Araştırma Makalesi
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An Empirical Investigation of the Reasons of Financial Needs and Preference of Islamic Banking Customers in Türkiye

Yıl 2023, , 105 - 120, 28.03.2023
https://doi.org/10.32709/akusosbil.1010465

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.

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.
  • Arıs, N. A., OthmaN, R., and Azlı, R. M. (2013). Pyramid of Maslahah for social and economic welfare: the case of Bank Islam Malaysia Berhad. Journal of Energy Technologies and Policy, 3(11), 457-470.
  • Awan, H. M., and Bukharı, K. S. (2011). Customer's criteria for selecting an Islamic bank: evidence from Pakistan. Journal of Islamic marketing.
  • Baysa, E., and Karaca, S. S. (2016). Finansal Okuryazarlık ve Banka Müşteri Segmentasyonları Üzerine Bir Uygulama. Muhasebe ve Finansman Dergisi, (71), 109-126.
  • Batır, E. T. and Güngör, B. (2016). Bank Efficiency in TURKEY: Participation Banks Versus Conventional Banks. International Journal Of Business And Management Studies, 9-22.
  • Berthon, P. R., Money, A. H. and Caruana, A. (2000). Service quality and satisfaction – the moderating role of value. European Journal of Marketing, 34(11/12), 1338–1353. doi: 10.1108/03090560010764432
  • Bilir, A., and Özgen, H. (2010). Katılım Bankalarında Müşteri Memnuniyetinin Belirlenmesi Üzerine Hatay İlinde Bir Araştırma. Çukurova Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 19(3), 39-62.
  • Bucharı, I., RafıkI, A., and Al Qassab, M. A. H. (2015). Awareness and attitudes of employees towards islamic banking products in Bahrain. Procedia Economics and Finance, 30, 68-78.
  • Coleman, A. (2006). The life-cycle model, savings and growth. In Reserve Bank workshop on Housing, savings, and the household balance sheet,14.
  • Cronin, J. J. and Taylor, S. A. (1992). Measuring Quality : A Reexamination and Extension. Journal of Marketing, 56(3), 55–68. doi: 10.2307/1252296
  • Çıkrıkçı, M., and Karakaya, A. (2004). Finansal ürünlerin kullanımı ve memnuniyeti: Türkiye’deki banka müşterileri üzerine bir çalışma. Bankacılar Dergisi, 51, 37-49.
  • Çöllü, D. A., and Sevim, U. (2017). Müşterilerin banka seçimini etkileyen kriterlerin belirlenmesi: Giresun ili örneği. Uluslararası İktisadi ve İdari İncelemeler Dergisi, (18), 201-220.
  • Durak, İ., Bayat, M., and Arslan, H. M. M. (2017). Banka Seçiminde Müşteri Tercihleri: Katılım Bankaları Üzerine Amprik Bir İnceleme. The Journal of Social Science, 1(2), 60-70.
  • Duramaz, S., and Erol, İ. (2018). Banka Müşterilerinin Katılım Bankası Tercihlerine Yönelik Bir Araştırma: Ege Bölgesi Örneği. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 25(1), 251-267.
  • Durmus, B., Yurtkoru, E. S., and Çinko, M. (2011). Sosyal Bilimlerde SPSS’ le Veri Analizi. 4. Baskı, Beta Yayıncılık, İstanbul.
  • Dusukı, A. W., and Abdullah, N. I. (2007). Maqasid al-Shariah, Maslahah, and corporate social responsibility. American Journal of Islamic Social Sciences, 24(1), 25.
  • Echchabı, A., Azouzı, D., and Azız, H. A. (2016). The future prospects of Islamic banking in Tunisia: an empirical survey. EuroMed Journal of Business.
  • Erol, C., and El‐Bdour, R. (1989). Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks. International Journal of Bank Marketing.
  • Ezeh, P. C., and NkamnebE, A. D. (2019). Islamic bank selection criteria in Nigeria: a model development. Journal of Islamic Marketing.
  • Haron, S., Ahmad, N., and Planısek, S. L. (1994). Bank patronage factors of Muslim and non‐Muslim customers. International Journal of Bank Marketing.
  • Gül, M. E., Torun, T., and Dumrul, C. (2017). Türk Katılım Bankalarının Fon Kaynaklarını Etkileyen Faktörler Ve Bu Bankaların Klasik Bankalarla İlişkileri Üzerine Bir Uygulama. Erciyes Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, (50), 141-166.
  • Khan, M. S. N., Hassan, M. K., and Shahıd, A. I. (2007). Banking behavior of Islamic bank customers in Bangladesh. Journal of Islamic Economics, Banking and Finance, 3(2), 159-194.
  • Kaabachı, S., and Obeıd, H. (2016). Determinants of Islamic banking adoption in Tunisia: empirical analysis. International Journal of Bank Marketing.
  • Kantardzıc, M. (2011). Data Mining Concepts, Models, Methods, and Algorithms. A John Wiley & Sons, International Journal of Advanced Research in Computer and Communication Engineering. IJARCCE, 4(12), 255-257, https://www.ijarcce.com/upload/2015/december-15/ IJARCCE%2059.pdf (19.01.2020).
  • Kılıç, Y., Ata, H. A., and Seyrek, İ. H. (2015). Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma. Journal of Accounting & Finance.
  • Kumar, S. V. K., and Kiruthika, P. (2015). An Overview of Classification Algorithm in Data Mining. International Journal of Advanced Research in Computer and Communication Engineering, 4(12), 255-257.
  • Ltıfı, M., Hıkkerova, L., Alıouat, B., and Gharbı, J. (2016). The determinants of the choice of Islamic banks in Tunisia. International Journal of Bank Marketing.
  • Maryam, S. Z., Mehmood, M. S., and Khalıq, C. A. (2019). Factors influencing the community behavioral intention for adoption of Islamic banking. International Journal of Islamic and Middle Eastern Finance and Management.
  • Mbawunı, J., and Nımako, S. G. (2017). Determinants of Islamic banking adoption in Ghana. International Journal of Islamic and Middle Eastern Finance and Management.
  • Metawa, S. A., and Almossawı, M. (1998). Banking behavior of Islamic bank customers: perspectives and implications. International journal of bank marketing.
  • Metawa, S. A., and Almossawı, M. (1998). Banking behavior of Islamic bank customers: perspectives and implications. International journal of bank marketing.
  • Modıglıanı, F., and Brumberg, R. (1954). Utility analysis and the consumption function: An interpretation of cross-section data. Franco Modigliani, 1(1), 388-436.
  • Okumus, H. (2005). Interest-free banking in Turkey: a study of customer satisfaction and bank selection criteria. Journal of Economic Cooperation, 26(4), 51-86.
  • Özsoy, İ., Görmez, B., and Mekik, S. (2013). Türkiye’de katılım bankalarının tercih edilme sebepleri: Ampirik bir tetkik. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 20(1), 187-206.
  • Özkan Y. (2016). Veri Madenciliği Yöntemleri. Papatya Yayıncılık, İstanbul.
  • Research and Markets. (2019). Global Islamic Finance Market Growth, Trends, and Forecast (2018-2024). https://www.globenewswire.com/news-release/2019/03/20/1758003/0/en/Global-Islamic-Finance-Markets-Report-2019-Islamic-Banking-is-the-Largest-Sector-Contributing-to-71-or-USD-1-72-Trillion.html Erişim Tarihi: 11.02.2020.
  • Robson, C. (2002). Real World Research. Oxford: Blackwell Publishers.
  • Sayım, F. (2015). The participation banking as a distinctive method and the its growing in the turkish finance market-period: 2007-2013. Emerging Markets Journal, 5(1), 93-111.
  • Islam, J. U., and Rahman, Z. (2017). The impact of online brand community characteristics on customer engagement: An application of Stimulus-Organism-Response paradigm. Telematics and Informatics, 34(4), 96-109.
  • Islamic Finance Bulletin. (2018). World Bank Group, 35.
  • Iqbal, M., Molyneux, P., and Conermann, S. (2006). Thirty years of Islamic banking: History, Performance and Prospects. Bankhistorisches Archiv, 32(2), 155.
  • The Banks Association of Turkey (2005). Türkiye’de Yabancı Bankalar. Bankacılar Dergisi, (52), 3-9.
  • The Participation Banks Association of Turkey. (2012). Finansal Yenilik ve Açılımları ile Katılım Bankacılığı. İstanbul: TKBB Yayınları.
  • The Participation Banks Association of Turkey. (2015). Türkiye Katılım Bankacılığı Strateji Belgesi 2015-2025. TKBB Yayını, 5.
  • The Participation Banks Association of Turkey. (2018). Katılım Finans, 2(9), 32-33.
  • The Participation Banks Association of Turkey. (2018a). Kobi'ler için Adım Adım Katılım Bankacılığı. İstanbul: TKBB.
  • Uddın, A., Chowdhury, M. A. F., and ISLAM, M. N. (2017). Resiliency between Islamic and conventional banks in Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management.
  • Ulgen K. (2020). Makine Öğrenimi Bölüm 5-Karar Ağaçları (https://medium.com/@k.ulgen90/makine-%C3%B6%C4%9Frenimi-b%C3%B6l%C3%BCm-5-karar-a%C4%9Fa%C3%A7lar%C4%B1-c90bd7593010).
  • Yumna, A. (2019). Examining financial needs of banking customers for product development in Islamic banking in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management.
  • Warde, I. (2000). Islamic finance in the global economy. Edinburgh University Press.

Türkiye'deki İslami Banka Müşterilerinin Mali İhtiyaçlarının ve Tercihlerinin Ampirik Araştırılması

Yıl 2023, , 105 - 120, 28.03.2023
https://doi.org/10.32709/akusosbil.1010465

Öz

Birçok faizsiz finans kurumu, başta Müslüman ülkeler olmak üzere tüm dünyada benzer bir sistem içinde faaliyet göstermektedir. İslami bankalar, finans sektöründe faaliyet gösteren, reel ekonomiyi destekleyen ve bankacılık hizmetleri sunan bankalardır. İslami bankalar tasarruf sahiplerinden fon toplar, bunları faizsiz finansman etiğine göre sanayi ve ticaret sektörlerinde kullanılabilir hale getirir ve kâr veya zararı tasarruf sahipleriyle paylaşır. Alternatif finansman sistemleri, özellikle son dönemde yaşanan krizlerle birlikte tartışmalı hale gelen geleneksel bankacılık sisteminden kaynaklanan sorunları azaltmak için son yıllarda tartışılan konulardan biridir. Bu alternatiflerden biri de İslami finans uygulamalarıdır. Tüm dünyada olduğu gibi Türkiye'de de artan pazar payı bankaya olan ilgiyi artırıyor. Bu çalışma, bir hizmet işletmesi olması açısından İslami bankacılıkta veri madenciliği tekniklerini kullanarak ürün geliştirmede bankalara rehberlik etmeyi amaçlamaktadır. Bu amaçla, İslami bir bankanın 5 şubesinde kayıtlı 212 müşteri ile yüz yüze anket yapılmıştır. Karar ağacı metodolojisinin uygulandığı çalışmada, müşterilerin farklı özelliklerine (sosyo-ekonomik faktörler, finansal ve İslami okuryazarlık düzeyleri vb.) göre bankanın memnuniyet, ihtiyaç ve beklentileri belirlenmektedir. Bu açıdan İslami bankalara müşteri özelliklerine göre ürün ve politika geliştirme önerileri getirilmiştir.

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.
  • Arıs, N. A., OthmaN, R., and Azlı, R. M. (2013). Pyramid of Maslahah for social and economic welfare: the case of Bank Islam Malaysia Berhad. Journal of Energy Technologies and Policy, 3(11), 457-470.
  • Awan, H. M., and Bukharı, K. S. (2011). Customer's criteria for selecting an Islamic bank: evidence from Pakistan. Journal of Islamic marketing.
  • Baysa, E., and Karaca, S. S. (2016). Finansal Okuryazarlık ve Banka Müşteri Segmentasyonları Üzerine Bir Uygulama. Muhasebe ve Finansman Dergisi, (71), 109-126.
  • Batır, E. T. and Güngör, B. (2016). Bank Efficiency in TURKEY: Participation Banks Versus Conventional Banks. International Journal Of Business And Management Studies, 9-22.
  • Berthon, P. R., Money, A. H. and Caruana, A. (2000). Service quality and satisfaction – the moderating role of value. European Journal of Marketing, 34(11/12), 1338–1353. doi: 10.1108/03090560010764432
  • Bilir, A., and Özgen, H. (2010). Katılım Bankalarında Müşteri Memnuniyetinin Belirlenmesi Üzerine Hatay İlinde Bir Araştırma. Çukurova Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 19(3), 39-62.
  • Bucharı, I., RafıkI, A., and Al Qassab, M. A. H. (2015). Awareness and attitudes of employees towards islamic banking products in Bahrain. Procedia Economics and Finance, 30, 68-78.
  • Coleman, A. (2006). The life-cycle model, savings and growth. In Reserve Bank workshop on Housing, savings, and the household balance sheet,14.
  • Cronin, J. J. and Taylor, S. A. (1992). Measuring Quality : A Reexamination and Extension. Journal of Marketing, 56(3), 55–68. doi: 10.2307/1252296
  • Çıkrıkçı, M., and Karakaya, A. (2004). Finansal ürünlerin kullanımı ve memnuniyeti: Türkiye’deki banka müşterileri üzerine bir çalışma. Bankacılar Dergisi, 51, 37-49.
  • Çöllü, D. A., and Sevim, U. (2017). Müşterilerin banka seçimini etkileyen kriterlerin belirlenmesi: Giresun ili örneği. Uluslararası İktisadi ve İdari İncelemeler Dergisi, (18), 201-220.
  • Durak, İ., Bayat, M., and Arslan, H. M. M. (2017). Banka Seçiminde Müşteri Tercihleri: Katılım Bankaları Üzerine Amprik Bir İnceleme. The Journal of Social Science, 1(2), 60-70.
  • Duramaz, S., and Erol, İ. (2018). Banka Müşterilerinin Katılım Bankası Tercihlerine Yönelik Bir Araştırma: Ege Bölgesi Örneği. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 25(1), 251-267.
  • Durmus, B., Yurtkoru, E. S., and Çinko, M. (2011). Sosyal Bilimlerde SPSS’ le Veri Analizi. 4. Baskı, Beta Yayıncılık, İstanbul.
  • Dusukı, A. W., and Abdullah, N. I. (2007). Maqasid al-Shariah, Maslahah, and corporate social responsibility. American Journal of Islamic Social Sciences, 24(1), 25.
  • Echchabı, A., Azouzı, D., and Azız, H. A. (2016). The future prospects of Islamic banking in Tunisia: an empirical survey. EuroMed Journal of Business.
  • Erol, C., and El‐Bdour, R. (1989). Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks. International Journal of Bank Marketing.
  • Ezeh, P. C., and NkamnebE, A. D. (2019). Islamic bank selection criteria in Nigeria: a model development. Journal of Islamic Marketing.
  • Haron, S., Ahmad, N., and Planısek, S. L. (1994). Bank patronage factors of Muslim and non‐Muslim customers. International Journal of Bank Marketing.
  • Gül, M. E., Torun, T., and Dumrul, C. (2017). Türk Katılım Bankalarının Fon Kaynaklarını Etkileyen Faktörler Ve Bu Bankaların Klasik Bankalarla İlişkileri Üzerine Bir Uygulama. Erciyes Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, (50), 141-166.
  • Khan, M. S. N., Hassan, M. K., and Shahıd, A. I. (2007). Banking behavior of Islamic bank customers in Bangladesh. Journal of Islamic Economics, Banking and Finance, 3(2), 159-194.
  • Kaabachı, S., and Obeıd, H. (2016). Determinants of Islamic banking adoption in Tunisia: empirical analysis. International Journal of Bank Marketing.
  • Kantardzıc, M. (2011). Data Mining Concepts, Models, Methods, and Algorithms. A John Wiley & Sons, International Journal of Advanced Research in Computer and Communication Engineering. IJARCCE, 4(12), 255-257, https://www.ijarcce.com/upload/2015/december-15/ IJARCCE%2059.pdf (19.01.2020).
  • Kılıç, Y., Ata, H. A., and Seyrek, İ. H. (2015). Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma. Journal of Accounting & Finance.
  • Kumar, S. V. K., and Kiruthika, P. (2015). An Overview of Classification Algorithm in Data Mining. International Journal of Advanced Research in Computer and Communication Engineering, 4(12), 255-257.
  • Ltıfı, M., Hıkkerova, L., Alıouat, B., and Gharbı, J. (2016). The determinants of the choice of Islamic banks in Tunisia. International Journal of Bank Marketing.
  • Maryam, S. Z., Mehmood, M. S., and Khalıq, C. A. (2019). Factors influencing the community behavioral intention for adoption of Islamic banking. International Journal of Islamic and Middle Eastern Finance and Management.
  • Mbawunı, J., and Nımako, S. G. (2017). Determinants of Islamic banking adoption in Ghana. International Journal of Islamic and Middle Eastern Finance and Management.
  • Metawa, S. A., and Almossawı, M. (1998). Banking behavior of Islamic bank customers: perspectives and implications. International journal of bank marketing.
  • Metawa, S. A., and Almossawı, M. (1998). Banking behavior of Islamic bank customers: perspectives and implications. International journal of bank marketing.
  • Modıglıanı, F., and Brumberg, R. (1954). Utility analysis and the consumption function: An interpretation of cross-section data. Franco Modigliani, 1(1), 388-436.
  • Okumus, H. (2005). Interest-free banking in Turkey: a study of customer satisfaction and bank selection criteria. Journal of Economic Cooperation, 26(4), 51-86.
  • Özsoy, İ., Görmez, B., and Mekik, S. (2013). Türkiye’de katılım bankalarının tercih edilme sebepleri: Ampirik bir tetkik. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 20(1), 187-206.
  • Özkan Y. (2016). Veri Madenciliği Yöntemleri. Papatya Yayıncılık, İstanbul.
  • Research and Markets. (2019). Global Islamic Finance Market Growth, Trends, and Forecast (2018-2024). https://www.globenewswire.com/news-release/2019/03/20/1758003/0/en/Global-Islamic-Finance-Markets-Report-2019-Islamic-Banking-is-the-Largest-Sector-Contributing-to-71-or-USD-1-72-Trillion.html Erişim Tarihi: 11.02.2020.
  • Robson, C. (2002). Real World Research. Oxford: Blackwell Publishers.
  • Sayım, F. (2015). The participation banking as a distinctive method and the its growing in the turkish finance market-period: 2007-2013. Emerging Markets Journal, 5(1), 93-111.
  • Islam, J. U., and Rahman, Z. (2017). The impact of online brand community characteristics on customer engagement: An application of Stimulus-Organism-Response paradigm. Telematics and Informatics, 34(4), 96-109.
  • Islamic Finance Bulletin. (2018). World Bank Group, 35.
  • Iqbal, M., Molyneux, P., and Conermann, S. (2006). Thirty years of Islamic banking: History, Performance and Prospects. Bankhistorisches Archiv, 32(2), 155.
  • The Banks Association of Turkey (2005). Türkiye’de Yabancı Bankalar. Bankacılar Dergisi, (52), 3-9.
  • The Participation Banks Association of Turkey. (2012). Finansal Yenilik ve Açılımları ile Katılım Bankacılığı. İstanbul: TKBB Yayınları.
  • The Participation Banks Association of Turkey. (2015). Türkiye Katılım Bankacılığı Strateji Belgesi 2015-2025. TKBB Yayını, 5.
  • The Participation Banks Association of Turkey. (2018). Katılım Finans, 2(9), 32-33.
  • The Participation Banks Association of Turkey. (2018a). Kobi'ler için Adım Adım Katılım Bankacılığı. İstanbul: TKBB.
  • Uddın, A., Chowdhury, M. A. F., and ISLAM, M. N. (2017). Resiliency between Islamic and conventional banks in Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management.
  • Ulgen K. (2020). Makine Öğrenimi Bölüm 5-Karar Ağaçları (https://medium.com/@k.ulgen90/makine-%C3%B6%C4%9Frenimi-b%C3%B6l%C3%BCm-5-karar-a%C4%9Fa%C3%A7lar%C4%B1-c90bd7593010).
  • Yumna, A. (2019). Examining financial needs of banking customers for product development in Islamic banking in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management.
  • Warde, I. (2000). Islamic finance in the global economy. Edinburgh University Press.
Toplam 59 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm İktisadi ve İdari Bilimler
Yazarlar

Berna Doğan Başar 0000-0001-7134-3930

Ömer Faruk Rençber 0000-0001-8020-2750

İbrahim Halil Ekşi 0000-0002-0239-3253

Yayımlanma Tarihi 28 Mart 2023
Gönderilme Tarihi 15 Ekim 2021
Yayımlandığı Sayı Yıl 2023

Kaynak Göster

APA Doğan Başar, B., Rençber, Ö. F., & Ekşi, İ. H. (2023). An Empirical Investigation of the Reasons of Financial Needs and Preference of Islamic Banking Customers in Türkiye. Afyon Kocatepe Üniversitesi Sosyal Bilimler Dergisi, 25(1), 105-120. https://doi.org/10.32709/akusosbil.1010465