TÜRKİYE'DE İSLAMİ VE GELENEKSEL BANKALARIN MÜŞTERİ FARKINDALIĞI VE SEÇİM KRİTERLERİNİN DEĞERLENDİRİLMESİ
Yıl 2016,
Cilt: 17 Sayı: 2, 255 - 271, 01.07.2016
Okşan Kibritci Artar
Şaduman Okumuş
Elif Güneren Genç
Öz
Bu çalışmanın amacı Türkiye'de Katılım Bankaları ve Ticari Bankalar tarafından İslami ilkelere yönelik sunulan bankacılık ürünlerini / hizmetlerini, müşteri seçim kriterleri ve müşteri bilincini incelemektir.Çalışmada, Türkiye'nin çeşitli illerinden 1082 katılımcıdan oluşan bir örneklem kullanılarak 3 Temmuz – 23 Eylül 2015 dönemi arasında anket yoluyla veri toplanmıştır.Tanımlayıcı istatistikler ve ki-kare istatistikleri rapor edilmiştir. Tarafımızca bu çalışma, bugüne kadar Türkiye'de Ticari Bankalar ve Katılım Bankalarının karşılaştırmalı analizi açısından kullanılan en detaylı ve kapsamlı verilere dayalı olarak yapılmıştır
Kaynakça
- Ahmad, A., K. Rehman, and Saif I. (2010). Islamic banking experience of Pakistan: Comparison between islamic and conventional banks. International Journal of Business and Management, 5(1), 37-144.
- Ali L., Ali A. and Khwaja H. (2013). Comparison of islamic and conventional banking on the basis of riba and services. International Review of Management of Business Research, 2(3), 837-846.
- Asutay, M. E. and Ergec H. (2013). Searching fort he nexus between money, deposits, and loans (financing) in Malaysian and Turkish islamic and conventional banking: A comparative analysis (2007-2013). Afro Eurosian Studies, 2(1-2), 72-90.
- Banking Regulation and Supervision Agency, (2006). Retrieved from http://www.bddk.org.tr
- Cattelan, V. (2013). Islamic finance in Europe: Towards a plural financial system. Italy, Edward Elgar Publishing.
- Dusiki, A.W. and Irwani N. A. (2007). Why do Malaysian customers patronise islamic banks? International Journal of Bank Marketing, 24(3), 42-160.
- Ernst & Young Global Limited (2014). World Islamic Banking Competitiveness Report 2014- 2105 Participation Banking 2.0.United Kingdom.
- Erol C., Baklacı H. F., Aydog B. and Tunc G. (2014). Performance comparison of islamic (participation) banks and commercial banks in Turkish banking sector. EuroMed Journal of Business, 9(2), 114-128.
- Farooq, S. U., Ahmad, G. and Jamil S. H. (2010). A profile analysis of the customers of islamic banking in Peshawar, Pukhtunkhwa. International Journal of Business and Management, 5(11), 106-117.
- Gaith, A. and Worthington A. (2008). An empirical survey of individual consumer, business firm and financial institution attitudes towards islamic methods of finance. International Journal of Social Economics, 35(11), 783-808.
- Hanif, M. (2011). Differences and similarities in islamic and conventional banking. International journal of Business of Social Science, 2(2), 166-175.
- Hegazy, I. A. (1995). An empirical comparative study between islamic and commercial banks selection criteria in Egypt. International Journal of Commerce and Management, 5(3), 46-61.
- Hossain, M. and Leo, S. (2009). Customer perception on service quality in retail banking in Middle East: The case of qatar. International Journal of Islamic and Middle Eastern Finance and Management, 2(4), 338-350.
- Ibrahim, W.H.W. and Ismail A.G. (2015). Conventional bank and islamic banking as institutions: Similarities and differences. Humanomics, 31(3), 272-298.
- Lee, K., and Ullah, S. (2011). Customers' attitude toward islamic banking in Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 4(2), 131-145.
- Metawa, S. A. and Almossawi M. (1998). Banking behaviour of islamic bank customers: Perspectives and implications. International Journal of Bank Marketing, 6(7), 299-313.
- Miah, Md D. and Kashfia S. (2015). Relationship between capital, risk and efficiency a comparative study between islamic and conventional banks of Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 8(2), 203-221.
- Mokni R. B. S. and Rachdi H. (2014). Assessing the bank profitability in the Mena Region a comparative analysis between conventional and islamic bank. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 305-332.
- Naser, K., A. Jamal, and Al-Khatib K. (1999). Islamic banking: A study of customer satisfaction and preferences in Jordan. International Journal of Bank Marketing, 17(3), 135-150.
- Okumus, H. S. (2003). Performance of Turkish banking and measure of value added. Marmara University Institute of Social Sciences Journal, 5(19), 3-18.
- Okumus, H.S. (2005). Interest free banking in Turkey: A study of customer satisfaction and bank selection criteria. Journal of Economic Cooperation, 26(4), 51-86.
- Okumus, H.S. and Guneren Genc, E. (2013). Interest free banking in Turkey: A study of customer satisfaction and bank selection. The Europen Scientific Journal, 9(16), 144-166.
- Ringim, K. J. (2014). Perception of Nigerian muslim account holders in conventional banks toward islamic banking products. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 285-305.
- Participation Banks Association of Turkey, (2016). Retrieved from htpp://www.tkbb.org.tr
- Savaşan, F., M. Saraç and Gürdal T. (2013). Exploring the demand side issues in particapition banking in turkey: Questionnaire survey on current issues and proposed solutions. Afro Eurosian Studies, 2(1-2), 111-125.
ASSESSING CUSTOMER AWARENESS AND SELECTION CRITERIA OF ISLAMIC AND CONVENTIONAL BANKS IN TURKEY
Yıl 2016,
Cilt: 17 Sayı: 2, 255 - 271, 01.07.2016
Okşan Kibritci Artar
Şaduman Okumuş
Elif Güneren Genç
Öz
The purpose of this study is to examine customers’selection criteria, banking products/services and customers’ awareness towards Islamic principles offered by CBs and PBs in Turkey. A sample of 1082 respondents from various cities in Turkey is used in the study by the means of questionnaire used to collect the data between the period of 3rd of July – 23rd of September, 2015. Descriptive statistics and chi-square statistics are reported. To our knowledge this study has been carried out based on the most detailed and comprehensive data ever used in terms of comparative analysis of the CBs and the PBs in Turkey.
Kaynakça
- Ahmad, A., K. Rehman, and Saif I. (2010). Islamic banking experience of Pakistan: Comparison between islamic and conventional banks. International Journal of Business and Management, 5(1), 37-144.
- Ali L., Ali A. and Khwaja H. (2013). Comparison of islamic and conventional banking on the basis of riba and services. International Review of Management of Business Research, 2(3), 837-846.
- Asutay, M. E. and Ergec H. (2013). Searching fort he nexus between money, deposits, and loans (financing) in Malaysian and Turkish islamic and conventional banking: A comparative analysis (2007-2013). Afro Eurosian Studies, 2(1-2), 72-90.
- Banking Regulation and Supervision Agency, (2006). Retrieved from http://www.bddk.org.tr
- Cattelan, V. (2013). Islamic finance in Europe: Towards a plural financial system. Italy, Edward Elgar Publishing.
- Dusiki, A.W. and Irwani N. A. (2007). Why do Malaysian customers patronise islamic banks? International Journal of Bank Marketing, 24(3), 42-160.
- Ernst & Young Global Limited (2014). World Islamic Banking Competitiveness Report 2014- 2105 Participation Banking 2.0.United Kingdom.
- Erol C., Baklacı H. F., Aydog B. and Tunc G. (2014). Performance comparison of islamic (participation) banks and commercial banks in Turkish banking sector. EuroMed Journal of Business, 9(2), 114-128.
- Farooq, S. U., Ahmad, G. and Jamil S. H. (2010). A profile analysis of the customers of islamic banking in Peshawar, Pukhtunkhwa. International Journal of Business and Management, 5(11), 106-117.
- Gaith, A. and Worthington A. (2008). An empirical survey of individual consumer, business firm and financial institution attitudes towards islamic methods of finance. International Journal of Social Economics, 35(11), 783-808.
- Hanif, M. (2011). Differences and similarities in islamic and conventional banking. International journal of Business of Social Science, 2(2), 166-175.
- Hegazy, I. A. (1995). An empirical comparative study between islamic and commercial banks selection criteria in Egypt. International Journal of Commerce and Management, 5(3), 46-61.
- Hossain, M. and Leo, S. (2009). Customer perception on service quality in retail banking in Middle East: The case of qatar. International Journal of Islamic and Middle Eastern Finance and Management, 2(4), 338-350.
- Ibrahim, W.H.W. and Ismail A.G. (2015). Conventional bank and islamic banking as institutions: Similarities and differences. Humanomics, 31(3), 272-298.
- Lee, K., and Ullah, S. (2011). Customers' attitude toward islamic banking in Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 4(2), 131-145.
- Metawa, S. A. and Almossawi M. (1998). Banking behaviour of islamic bank customers: Perspectives and implications. International Journal of Bank Marketing, 6(7), 299-313.
- Miah, Md D. and Kashfia S. (2015). Relationship between capital, risk and efficiency a comparative study between islamic and conventional banks of Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 8(2), 203-221.
- Mokni R. B. S. and Rachdi H. (2014). Assessing the bank profitability in the Mena Region a comparative analysis between conventional and islamic bank. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 305-332.
- Naser, K., A. Jamal, and Al-Khatib K. (1999). Islamic banking: A study of customer satisfaction and preferences in Jordan. International Journal of Bank Marketing, 17(3), 135-150.
- Okumus, H. S. (2003). Performance of Turkish banking and measure of value added. Marmara University Institute of Social Sciences Journal, 5(19), 3-18.
- Okumus, H.S. (2005). Interest free banking in Turkey: A study of customer satisfaction and bank selection criteria. Journal of Economic Cooperation, 26(4), 51-86.
- Okumus, H.S. and Guneren Genc, E. (2013). Interest free banking in Turkey: A study of customer satisfaction and bank selection. The Europen Scientific Journal, 9(16), 144-166.
- Ringim, K. J. (2014). Perception of Nigerian muslim account holders in conventional banks toward islamic banking products. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 285-305.
- Participation Banks Association of Turkey, (2016). Retrieved from htpp://www.tkbb.org.tr
- Savaşan, F., M. Saraç and Gürdal T. (2013). Exploring the demand side issues in particapition banking in turkey: Questionnaire survey on current issues and proposed solutions. Afro Eurosian Studies, 2(1-2), 111-125.