Katılım Bankası Müşterileri ile Konvansiyonel Banka Müşterilerinin Risk Toleransları ve Yatırım Kararlarının Karşılaştırılması

Abstract

Bu çalışma, katılım ve geleneksel banka müşterilerinin finansal risk toleranslarının yapısını ve risk algılarını incelemektedir. Katılım bankası müşterilerinin demografik özellikleri ile genel risk algısı ve finansal risk algısı arasındaki ilişkiyi ortaya koymaktadır. Sonuçlarımız, geleneksel banka müşterilerinin hem genel risk toleransında hem de finansal risk toleransında daha yüksek bir ortalamaya sahip olduğunu göstermektedir. Bu da katılım bankası müşterilerinin daha fazla riskten kaçındığı anlamına gelmektedir. Ancak katılma hesabının temelinde kar-zarar paylaşımı yani risk paylaşımı yer alır. Bu nedenle katılma hesabı sahiplerinin daha fazla risk alan yatırımcılar olması beklenmektedir. Sonuçlar tam tersini göstermekte ve müşteri portföylerinin mudaraba ve muşaraka gibi daha riskli ürünlere yatırım yapmaya hazır olmadığını iddia eden katılım bankalarının yönetici ve çalışanlarını desteklemektedir.

Keywords

• Katılım Bankası
• Konvansiyonel Banka
• Risk Toleransı
• Yatırım Kararları
• Türkiye.

Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers

Abstract

This study investigates the structure of financial risk tolerances and risk perceptions of participation and conventional bank customers. Our results show that conventional bank clients have a higher average in both overall risk tolerance and financial risk tolerance. This means that participation bank clients are more risk-averse. However, the basis of the participation account includes profit-loss sharing, namely, risk sharing. Therefore, participation account holders were expected to be more risk-taking investors. The results show the opposite and support the managers and employees of participation banks who claim that their customer portfolios are not ready to invest in riskier products such as mudaraba and musharakah.

Keywords

• Participation Bank
• Conventional Bank
• Risk Tolerance
• Investment Decisions
• Turkey.

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