An Empirical Investigation of the Reasons of Financial Needs and Preference of Islamic Banking Customers in Türkiye
Öz
Many interest-free financial organs are operating in a similar system all over the world, especially in Muslim countries. Islamic banks are banks that operate in the financial sector, support the real economy, and offer banking services. Islamic banks collect funds from savers, make them available in industry and trade sectors according to interest-free financing ethics and share profit or loss with savers. Alternative financing systems are one of the issues discussed in recent years to reduce the problems arising from the traditional banking system, which has become controversial especially with the recent crises. One of these alternatives is Islamic finance practices. As in all the world, the rising market share in Türkiye is increasing interest in the bank. This study aims to guide banks in product development by using data mining techniques in Islamic banking in terms of being a service enterprise. For this purpose, a face-to-face survey was conducted with 212 customers registered at 5 branches of an Islamic bank. In the study in which decision tree methodology is conducted, the satisfaction, needs, and expectations of the bank are determined according to the different characteristics of the customers (socio-economic factors, financial and Islamic literacy levels etc.). From this point of view, product and policy development suggestions were brought to Islamic banks according to customer characteristics.
Anahtar Kelimeler
Kaynakça
- Abdullrahim, N., and Robson, J. (2017). The importance of service quality in British Muslim’s choice of an Islamic or non-Islamic bank account. Journal of Financial Services Marketing, 22(2), 54-63.
- Aldarabseh, W. M. (2019). How popular is Islamic finance in the USA? Findings from Google Trends. International Journal of Finance & Banking Studies, (2147-4486), 8(3), 58-65.
- Alharbı, A. (2016). Development of Islamic Finance in Europe and North America: Opportunities and Challenges. Uluslararası İslam Ekonomisi ve Finansı Araştırmaları Dergisi, 2(3), 109-136.
- Ahmad, A. (2000). Economic development in Islamic perspective revisited. Review of Islamic Economics, 9, 83-102.
- Ahmed, H. (2011). Product development in Islamic banks. Edinburgh University Press.
- Akhtar, A., and Zaheer, A. (2014). Service Quality Dimensions Development Approach of Islamic Banks: A Scale Development Approach. Global Journal of Management and Business Research: A Administration and Management, 14(5), 11–19.
- Altunbas, S. T. (2019). İslami Finansal Okuryazarlık ve Helal Okuryazarlık İlişkisi. Istanbul Management Journal, (86), 57-73.
- Amın, M., and Isa, Z. (2008). An examination of the relationship between service quality perception and customer satisfaction. International Journal of Islamic and Middle Eastern Finance and Management.
- Anderson, E. W., Fornell, C., and Lehmann, D. R. (1994). Customer Satisfaction, Market Share, and Profitability: Findings from Sweden. Journal of Marketing, 58(3), 53. doi: 10.2307/1252310
- Aras, G., and Mutlu Yıldırım, F. (2019). Entegre raporlamada çoklu sermaye öğelerini temsil eden göstergelerin belirlenmesi: türk bankacılık sektörü örneği (determining ındicators representing multiple capitals in ıntegrated reporting: the case of Turkish banking sector). Mehmet Akif Ersoy Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 6(2), 408-422.
