Research Article
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Year 2022, Volume: 51 Issue: 1, 95 - 122, 01.05.2022
https://doi.org/10.26650/ibr.2022.51.901498

Abstract

References

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Behavioural Aspects of Customers’ Preference for Participation Banks: Evidence with Turkish Data

Year 2022, Volume: 51 Issue: 1, 95 - 122, 01.05.2022
https://doi.org/10.26650/ibr.2022.51.901498

Abstract

Participation banks (PBs) are distinct from other banks in that they operate on an interest-free principle. This study aims to investigate the behavioural aspects of individual customers who prefer PBs when choosing a bank. The study covers 12 regional levels throughout Turkey determined by the Turkish Statistical Institute (TURKSTAT). A multidimensional measurement model has been created that can measure the behavioural aspects of PB customers. In line with the maximum likelihood calculation technique due to normal distribution of collected data, the question of whether or not the measurement model is compatible with the data set has been tested using methods of Exploratory Factor Analysis and Confirmatory Factor Analysis. As a data collection tool, the survey form is used and survey form data for a total of 440 customers are analysed. According to the results of the study, it is determined that attitude, social influence, religious sensitivity, experience, accuracy, awareness, trust, benevolence and cost factors are determinant in the transformation of behavioural intentions into actual behaviour when customers choose PBs. Among these factors, the factors that best explain intention are benevolence, attitude, social influence and accuracy, whereas with the cost incurred in banking transactions, traditional and social media ads directed at PBs have a relatively lower ability to explain behaviour.

References

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  • Ali, M., Raza, S.S., & Puah, C.H. (2015). Factor affecting intention to use Islamic personal financing in Pakistan: Evidence from the modified TRA model. MPRA Paper, 1-28. Alrifai, T. (2017). İslami finans ve yeni finansal sistem (1.bs). Ankara: Buzdağı.
  • Al-Sharif, B. M., Qwader, A., & Al-Slehat, Z. A. F. (2017). The effect of promotion strategy in the Jordanian Islamic bank on a number of customers. International Journal of Economics and Finance, 9(2), 81-88. doi: 10.5539/ijef.v9n2p81
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  • Durmuş, B., Yurtkoru, S., & Çinko, M. (2018). Sosyal bilimlerde SPSS ile veri analizi (7.bs). İstanbul: Beta.
  • Dusuki, A.W., & Abdullah, N.I. (2007). Why do Malaysian customers patronise Islamic banks. International Journal of Bank Marketing, 25(3), 142-160. doi: 10.1108/02652320710739850
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  • Ford, J. K., MacCallum, R. C., & Tait, M. (1986). The application of exploratory analysis in applied psychology: A critical review and analysis. Personnel Psychology, 39(2), 291-314. doi:10.1111/j.1744-6570.1986.tb00583.x
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Details

Primary Language English
Subjects Business Administration
Journal Section Articles
Authors

Tolga Ergün

Hüseyin Dagli 0000-0002-2416-9340

Publication Date May 1, 2022
Submission Date March 22, 2021
Published in Issue Year 2022 Volume: 51 Issue: 1

Cite

APA Ergün, T., & Dagli, H. (2022). Behavioural Aspects of Customers’ Preference for Participation Banks: Evidence with Turkish Data. Istanbul Business Research, 51(1), 95-122. https://doi.org/10.26650/ibr.2022.51.901498

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