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TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ

Year 2023, , 51 - 64, 15.06.2023
https://doi.org/10.58702/teyd.1279405

Abstract

İslami finans ismiyle faizsiz bankacılık faaliyeti, Türkiye’de katılım bankacılığı ismi ile yapılmaktadır. Genel kabul gören bankacılık hizmetlerinden farkı, faizsiz işlem yapmak olan katılım bankacılığı, 2023 yılı itibari ile Türkiye’de altı katılım bankacılığı ile hizmet vermektedir. Türkiye’de İslami bankacılık diğer adıyla katılım bankacılığı, son yıllarda hızla büyüyen ve gelişen bir yapısı bulunmaktadır. Bilhassa son yıllarda karlılık performansları hızla artış göstermektedir. Bu çalışmada 2016:1-2021:3 dönemlerinde faaliyet gösteren beş katılım bankasının karlılık performansları Sistem GMM yöntemi ile analiz edilerek değerlendirmelerde bulunulmuştur. Yapmış olduğumuz analizler, katılım bankacılığının karlılık performansını, içsel bankaya özgü değişkenlerin etkilerini ölçerek, katılım bankacılığı sektörünün bankacılık sistemi içerisindeki payının artmasını sağlamaktır. Yapılan analiz sonucunda toplam kredi miktarının artması aktif karlılığı artırırken, özkaynak karlılığı üzerinde etki yaratmamaktadır. Takipteki kredilerdeki meydana gelecek bir artış ise özkaynak karlılığını olumsuz etkileyerek azaltmaktadır. Toplam aktifler içerisindeki toplanan fonlar özkaynak karlılığı artırırken, verilen krediler ise aktif karlılığı azaltmaktadır. Özkaynak miktarının artması özkaynak karlılığını artırırken, aktif karlılığı ise azaltmaktadır.

References

  • Adekola, O. (2016). “The Effect of Banks Profitability on Economic Growth in Nigeria”. Journal of Business and Management, 18 (3), 1–9.
  • Ahmad, N.H. ve S.N. Ahmad (2004). “Key Factor Influencing Credit Risk of Islamic Bank: A Malaysian”. Journal of Muamalat Islamic Finance Research, 1 (1), 65–80.
  • Alkassim, F. (2005). “The Profitability of Islamic and Conventional Banking in the GCC Countries: A Comparative Study”. Journal of Review Islamic Economics, 13 (1), 5–30.
  • Al-Khatib, F., K. Al-Sulaiti, ve A. Al-Khalifi (1999). “Banking Performance and Economic Growth in Qatar: An Empirical Investigation”. Journal of Administrative Sciences and Economics., 10 (1), 5–27.
  • Asma, I., A. Fadli, ve T. Noor (2011). “Determinant of Islamic Banking Institutions’ Profitability in Malaysia”. World Applied Sciences Journal, 12 (1). 1-7.
  • Athanasoglou, P. P., S. N. Brissimis ve M. D. Delis (2008). “Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability”. Journal of International Financial Markets, Institutions and Money, 18 (2), 121-136.
  • Baltagi, B. H. (2008). Econometric Analysis of Panel Data. 4.Edition. Chichester: Wiley.
  • Bashir, A.H.M. (2003). “Determinants of Profitability in Islamic Banks: Some Evidence from the Middle East”. Islamic Economic Studies, 11 (1), 31–57.
  • Beck, T., A. Demirgüc ve O. Merrouche (2013). “Islamic vs. Conventional Banking: Business Model, Efficiency and Stability”. Journal of Banking and Finance, 37 (2), 433-447.
  • Blundell, R. ve S. Bond (2000). “GMM Estimation with Persistent Panel Data: An Application to Production Functions”. Econometric Reviews, 19 (3), 331-339.
  • Bougatef, K. (2017). “Determinants of Bank Profitability in Tunisia: Does Corruption Matter?”. Journal of Money Laundering Control, 20 (1), 70–78.
  • Chloe, D. (2018), Islamic Finance: Just for Muslim-Majority Nations? Global Finance, https://www.gfmag.com/topics/blogs/islamic-finance-just-muslim-majority-nations. (15.08.2022).
  • Chong, B. S., ve M. H. Liu (2009). “Islamic Banking: Interest-Free or Interest-Based?”. Pacific-Basin Finance Journal, 17 (1), 125-144.
  • Dağılgan, G. (2022). “Ekonomik Büyüme ve Hukukun Üstünlüğünün Kayıt Dışı Ekonomi Üzerindeki Etkisi: Gelişmekte Olan Ülkeler Örneği”. International Social Mentality and Researcher Thinkers Journal, 8 (66): 2554-2561.
  • Dietrich, A., ve G. Wanzenried (2014). “The Determinants Of Commercial Banking Profitability in Low‐, Middle‐, and High‐Income Countries”. The Quarterly Review of Economics and Finance, 54 (3), 337–354.
  • Garcia, M. T. M., ve J. S. M. Guerreiro (2016). “Internal and External Determinants of Banks' Profitability the Portuguese Case”. Journal of Economic Studies, 43(1), 90–107.
  • Gull, S., F. Irshad ve K. Zaman (2011). “Factors Affecting Bank Profitability in Pakistan”. Romanian Economic Journal, 14 (39), 61–87.
  • https://tkbb.org.tr/uploads/presentations/Turk_Finans_Sistemi_ve_Katilim_Bankaciligi-Haziran-Turkce-V2.pdf (22.09.2022).
  • https://www.ifsb.org/download.php?id=5231&lang=English&pg=/index.php, (10.08.2022).
  • Ijaz, F., A. Akmal ve S.H.B. Gillani (2015). “The Determinants of the Pakistan Islamic Banking Industry Profitability: Panel Evidence”. Islamic Banking and Finance Review, 2 (1), 77-91.
  • Izhar, H. ve M. Asutay (2007). “Estimating the Profitability of Islamic Banking: Evidence From Bank Muamalat Indonesia”. Review of Islamic Economics. 11 (2), 17–29.
  • Khan, F. (2010). “How ‘Islamic’is Islamic Banking?”. Journal of Economic Behavior and Organization, 76 (3), 805-820.
  • Khan, M., M. Ijaz ve E. Aslam (2014). “Determinants of Profitability of Islamic Banking Industry: Evidence From Pakistan”. Business Economic Review, 6 (2), 27–46.
  • Marijana, Ć., K. Poposki ve S. Pepur (2012). “Profitability Determinants of the Macedonian Banking Sector in Changing Environment”. Procedia ‐ Social and Behavioral Sciences, 44 (44), 406–416.
  • Masood, O. ve M. Ashraf (2012). “Bank‐Specific and Macroeconomic Profitability Determinants of Islamic Banks”. Qualitative Research in Financial Markets, 2 (3), 255–268.
  • Matowa, T. (2016). 8 in 10 Muslims Don’t Use Conventional Banks, Says World Bank VP, https://www.thecable.ng/8-in-10-muslims-dont-use-conventional-banks-says-world-bank-vp. (15.08.2022).
  • Menicucci, E. ve G. Paolucci (2016). “The Determinants of Bank Profitability: Empirical Evidence From European Banking Sector”. Journal of Financial Reporting and Accounting, 14 (1), 86–115.
  • Naceur, S.B. ve M. Goaied (2015). The Determinants of Commercial Bank Interest Margin and Profitability: Evidence From Tunisia, http://www.papers.ssrn.com/sol3/papers.cfm. (20.08.2022).
  • Rani, D. M. S., ve L. N. Zergaw (2017). “Bank Specific, Industry Specific and Macroeconomic Determinants of Bank Profitability in Ethiopia”. International Journal of Advanced Research in Management and Social Sciences, 6 (3), 74–96.
  • Rjoub, H., I. Civcir ve N. G. Resatoglu (2017). “Micro and Macroeconomic Determinants of Stock Prices: The Case of Turkish Banking Sector”. Romanian Journal of Economic Forecasting 20 (1), 150–166.
  • Roodman, D. (2009). “How to Do xtabond2: An Introduction to Difference and System GMM in Stata”. The Stata Journal, 9 (1), 86-136.
  • Saona, P. (2016). “Intra‐ and Extra‐Bank Determinants of Latin American Banks' Profitability”. International Review of Economics and Finance, 45, 197–214.
  • Shawtari, F. A. M. (2018). “Ownership Type, Bank Models, and Bank Performance: The Case of the Yemeni Banking Sector”. International Journal of Productivity and Performance Management, 67 (8), 1271-1289.
  • Yavuz, İ. (2022). “Türkiye’deki Katılım Bankalarına Entegre Raporlama Modeli Önerisi: Güney Afrika Örneği”. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, 74, 226-246.
  • Yavuz, İ ve S. Öncü (2022). “Yıllık Faaliyet Raporlarının Uluslararası Entegre Raporlama Çerçevesi İlkelerine Uygunluğunun Değerlendirilmesi: Faizsiz Bankacılık Sektörü Üzerine Bir Araştırma”. Manisa Celal Bayar Üniversitesi Sosyal Bilimler Dergisi, 20 (4), 349-374.
  • Yavuz, İ. ve F. Özbay (2020). Katılım Bankalarının TL’ye Verdikleri Aylık Kar Payı Oranlarının Katılım Bankacılığı Sektörünün Aktif Karlılığı Üzerine Etkisi: Var Analizi. Çivi Yazısından Dijital Kodlamaya İktisadi ve İdari Bilimlerde Güncel Akademik Çalışmalar. (Ed. S. Aybarç ve M. Kırlı). Bursa: Ekin Yayınevi.
  • Yazdani, M. (2011). “Role of Performance of Privately Owned Banks in Economic Growth of Iran”. Australian Journal of Basic and Applied Sciences, 5 (1), 695–700.
  • Zampara, K., M. Giannopoulos ve D. N. Koufopoulos (2017). “Macroeconomic and Industry‐Specific Determinants of Greek Bank Profitability”. International Journal of Business and Economic Sciences Applied Research, 10 (1), 3-22.

PERFORMANCE ASSESSMENT OF PARTICIPATION BANKING IN TURKEY: PANEL DATA ANALYSIS

Year 2023, , 51 - 64, 15.06.2023
https://doi.org/10.58702/teyd.1279405

Abstract

Interest-free banking activity is carried out under the names of Islamic finance and participation banking in Turkey. Participation banking, which differs from the generally accepted banking services, is to conduct interest-free transactions, and as of 2023, it provides services with six participation banks in Turkey. Islamic banking, also known as participation banking, has had a rapidly growing and developing structure in recent years. Especially in recent years, profitability performances have been increasing rapidly. In this study, the profitability performances of five participation banks operating in the 2016:1-2021:3 periods were analyzed with the System GMM method and evaluations were made. Our analyzes aim to increase the share of the participation banking sector in the banking system by measuring the profitability performance of participation banking and the effects of internal bank-specific variables. As a result of the analysis, while the increase in the total loan amount increases the return on assets, it does not have an effect on the return on equity. On the other hand, an increase in non-performing loans negatively affects the return on equity and reduces it. While the funds collected in total assets increase the return on equity, the loans given decrease the return on assets. While the increase in the amount of equity increases the return on equity, it decreases the return on assets.

References

  • Adekola, O. (2016). “The Effect of Banks Profitability on Economic Growth in Nigeria”. Journal of Business and Management, 18 (3), 1–9.
  • Ahmad, N.H. ve S.N. Ahmad (2004). “Key Factor Influencing Credit Risk of Islamic Bank: A Malaysian”. Journal of Muamalat Islamic Finance Research, 1 (1), 65–80.
  • Alkassim, F. (2005). “The Profitability of Islamic and Conventional Banking in the GCC Countries: A Comparative Study”. Journal of Review Islamic Economics, 13 (1), 5–30.
  • Al-Khatib, F., K. Al-Sulaiti, ve A. Al-Khalifi (1999). “Banking Performance and Economic Growth in Qatar: An Empirical Investigation”. Journal of Administrative Sciences and Economics., 10 (1), 5–27.
  • Asma, I., A. Fadli, ve T. Noor (2011). “Determinant of Islamic Banking Institutions’ Profitability in Malaysia”. World Applied Sciences Journal, 12 (1). 1-7.
  • Athanasoglou, P. P., S. N. Brissimis ve M. D. Delis (2008). “Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability”. Journal of International Financial Markets, Institutions and Money, 18 (2), 121-136.
  • Baltagi, B. H. (2008). Econometric Analysis of Panel Data. 4.Edition. Chichester: Wiley.
  • Bashir, A.H.M. (2003). “Determinants of Profitability in Islamic Banks: Some Evidence from the Middle East”. Islamic Economic Studies, 11 (1), 31–57.
  • Beck, T., A. Demirgüc ve O. Merrouche (2013). “Islamic vs. Conventional Banking: Business Model, Efficiency and Stability”. Journal of Banking and Finance, 37 (2), 433-447.
  • Blundell, R. ve S. Bond (2000). “GMM Estimation with Persistent Panel Data: An Application to Production Functions”. Econometric Reviews, 19 (3), 331-339.
  • Bougatef, K. (2017). “Determinants of Bank Profitability in Tunisia: Does Corruption Matter?”. Journal of Money Laundering Control, 20 (1), 70–78.
  • Chloe, D. (2018), Islamic Finance: Just for Muslim-Majority Nations? Global Finance, https://www.gfmag.com/topics/blogs/islamic-finance-just-muslim-majority-nations. (15.08.2022).
  • Chong, B. S., ve M. H. Liu (2009). “Islamic Banking: Interest-Free or Interest-Based?”. Pacific-Basin Finance Journal, 17 (1), 125-144.
  • Dağılgan, G. (2022). “Ekonomik Büyüme ve Hukukun Üstünlüğünün Kayıt Dışı Ekonomi Üzerindeki Etkisi: Gelişmekte Olan Ülkeler Örneği”. International Social Mentality and Researcher Thinkers Journal, 8 (66): 2554-2561.
  • Dietrich, A., ve G. Wanzenried (2014). “The Determinants Of Commercial Banking Profitability in Low‐, Middle‐, and High‐Income Countries”. The Quarterly Review of Economics and Finance, 54 (3), 337–354.
  • Garcia, M. T. M., ve J. S. M. Guerreiro (2016). “Internal and External Determinants of Banks' Profitability the Portuguese Case”. Journal of Economic Studies, 43(1), 90–107.
  • Gull, S., F. Irshad ve K. Zaman (2011). “Factors Affecting Bank Profitability in Pakistan”. Romanian Economic Journal, 14 (39), 61–87.
  • https://tkbb.org.tr/uploads/presentations/Turk_Finans_Sistemi_ve_Katilim_Bankaciligi-Haziran-Turkce-V2.pdf (22.09.2022).
  • https://www.ifsb.org/download.php?id=5231&lang=English&pg=/index.php, (10.08.2022).
  • Ijaz, F., A. Akmal ve S.H.B. Gillani (2015). “The Determinants of the Pakistan Islamic Banking Industry Profitability: Panel Evidence”. Islamic Banking and Finance Review, 2 (1), 77-91.
  • Izhar, H. ve M. Asutay (2007). “Estimating the Profitability of Islamic Banking: Evidence From Bank Muamalat Indonesia”. Review of Islamic Economics. 11 (2), 17–29.
  • Khan, F. (2010). “How ‘Islamic’is Islamic Banking?”. Journal of Economic Behavior and Organization, 76 (3), 805-820.
  • Khan, M., M. Ijaz ve E. Aslam (2014). “Determinants of Profitability of Islamic Banking Industry: Evidence From Pakistan”. Business Economic Review, 6 (2), 27–46.
  • Marijana, Ć., K. Poposki ve S. Pepur (2012). “Profitability Determinants of the Macedonian Banking Sector in Changing Environment”. Procedia ‐ Social and Behavioral Sciences, 44 (44), 406–416.
  • Masood, O. ve M. Ashraf (2012). “Bank‐Specific and Macroeconomic Profitability Determinants of Islamic Banks”. Qualitative Research in Financial Markets, 2 (3), 255–268.
  • Matowa, T. (2016). 8 in 10 Muslims Don’t Use Conventional Banks, Says World Bank VP, https://www.thecable.ng/8-in-10-muslims-dont-use-conventional-banks-says-world-bank-vp. (15.08.2022).
  • Menicucci, E. ve G. Paolucci (2016). “The Determinants of Bank Profitability: Empirical Evidence From European Banking Sector”. Journal of Financial Reporting and Accounting, 14 (1), 86–115.
  • Naceur, S.B. ve M. Goaied (2015). The Determinants of Commercial Bank Interest Margin and Profitability: Evidence From Tunisia, http://www.papers.ssrn.com/sol3/papers.cfm. (20.08.2022).
  • Rani, D. M. S., ve L. N. Zergaw (2017). “Bank Specific, Industry Specific and Macroeconomic Determinants of Bank Profitability in Ethiopia”. International Journal of Advanced Research in Management and Social Sciences, 6 (3), 74–96.
  • Rjoub, H., I. Civcir ve N. G. Resatoglu (2017). “Micro and Macroeconomic Determinants of Stock Prices: The Case of Turkish Banking Sector”. Romanian Journal of Economic Forecasting 20 (1), 150–166.
  • Roodman, D. (2009). “How to Do xtabond2: An Introduction to Difference and System GMM in Stata”. The Stata Journal, 9 (1), 86-136.
  • Saona, P. (2016). “Intra‐ and Extra‐Bank Determinants of Latin American Banks' Profitability”. International Review of Economics and Finance, 45, 197–214.
  • Shawtari, F. A. M. (2018). “Ownership Type, Bank Models, and Bank Performance: The Case of the Yemeni Banking Sector”. International Journal of Productivity and Performance Management, 67 (8), 1271-1289.
  • Yavuz, İ. (2022). “Türkiye’deki Katılım Bankalarına Entegre Raporlama Modeli Önerisi: Güney Afrika Örneği”. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, 74, 226-246.
  • Yavuz, İ ve S. Öncü (2022). “Yıllık Faaliyet Raporlarının Uluslararası Entegre Raporlama Çerçevesi İlkelerine Uygunluğunun Değerlendirilmesi: Faizsiz Bankacılık Sektörü Üzerine Bir Araştırma”. Manisa Celal Bayar Üniversitesi Sosyal Bilimler Dergisi, 20 (4), 349-374.
  • Yavuz, İ. ve F. Özbay (2020). Katılım Bankalarının TL’ye Verdikleri Aylık Kar Payı Oranlarının Katılım Bankacılığı Sektörünün Aktif Karlılığı Üzerine Etkisi: Var Analizi. Çivi Yazısından Dijital Kodlamaya İktisadi ve İdari Bilimlerde Güncel Akademik Çalışmalar. (Ed. S. Aybarç ve M. Kırlı). Bursa: Ekin Yayınevi.
  • Yazdani, M. (2011). “Role of Performance of Privately Owned Banks in Economic Growth of Iran”. Australian Journal of Basic and Applied Sciences, 5 (1), 695–700.
  • Zampara, K., M. Giannopoulos ve D. N. Koufopoulos (2017). “Macroeconomic and Industry‐Specific Determinants of Greek Bank Profitability”. International Journal of Business and Economic Sciences Applied Research, 10 (1), 3-22.
There are 38 citations in total.

Details

Primary Language Turkish
Subjects Economics
Journal Section Research Article
Authors

Gökhan Dağılgan 0000-0002-6916-6506

Early Pub Date June 4, 2023
Publication Date June 15, 2023
Published in Issue Year 2023

Cite

APA Dağılgan, G. (2023). TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ. Toplum Ekonomi Ve Yönetim Dergisi, 4(1), 51-64. https://doi.org/10.58702/teyd.1279405
AMA Dağılgan G. TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ. TEYD. June 2023;4(1):51-64. doi:10.58702/teyd.1279405
Chicago Dağılgan, Gökhan. “TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ”. Toplum Ekonomi Ve Yönetim Dergisi 4, no. 1 (June 2023): 51-64. https://doi.org/10.58702/teyd.1279405.
EndNote Dağılgan G (June 1, 2023) TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ. Toplum Ekonomi ve Yönetim Dergisi 4 1 51–64.
IEEE G. Dağılgan, “TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ”, TEYD, vol. 4, no. 1, pp. 51–64, 2023, doi: 10.58702/teyd.1279405.
ISNAD Dağılgan, Gökhan. “TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ”. Toplum Ekonomi ve Yönetim Dergisi 4/1 (June 2023), 51-64. https://doi.org/10.58702/teyd.1279405.
JAMA Dağılgan G. TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ. TEYD. 2023;4:51–64.
MLA Dağılgan, Gökhan. “TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ”. Toplum Ekonomi Ve Yönetim Dergisi, vol. 4, no. 1, 2023, pp. 51-64, doi:10.58702/teyd.1279405.
Vancouver Dağılgan G. TÜRKİYE’DE KATILIM BANKACILIĞININ PERFORMANS DEĞERLENDİRMESİ: PANEL VERİ ANALİZİ. TEYD. 2023;4(1):51-64.