Do Interest-Free Financial Organizations Offer Fair Prices to Their Customers?

Öz

This study seeks to observe whether or not the financial instruments offered by the interest-free financial institutions cause a dilemma in generating fair prices for the consumers. Additionally, it also attempts to provide a comparative framework towards cost-free and accessible financial offers in terms of loaning by both conventional and participation banks. As part of the study, a 34-item questionnaire has been drafted to identify the consumer behaviors within the framework of a theory of fair consumer behavior. To test the validity and reliability of the scale, exploratory factor analysis and cronbach alfa tests were utilized. Based on the findings in the test, 28 items were included in the analysis. Subsequently, multiple regression analysis was performed between four factors identified in conjunction with the exploratory factor analysis. The results confirm the hypotheses offered for the theory of fair consumer behavior. In other words, the study concludes that the interest-free financial institutions, serving as alternatives to the interest-based financial system, attract the fair financial system perceptions of the consumers not just because they offer interest-free products and services, but also because of additional factors.

Anahtar Kelimeler

• Consumer behavior
• Islamic banking
• behavioral finance
• exploratory factor analysis
• Islamic finance

Faizsiz Finansal Kuruluşlar Müşterilerine Adil Fiyatlar Sunuyor mu?

Öz

Bu çalışmada faizsiz finans kuruluşlarının finansman enstrümanlarının tüketiciler nezdinde adil fiyatlı çözümler sağlamada ikilem oluşturup oluşturmadığının gözlemlenmesi amaçlanmaktadır. Bunun yanı sıra çalışma hem geleneksel hem de faizsiz bankalar tarafından sunulan ve herkes için ulaşılabilir ve maliyetsiz finansman tekliflerine yönelikkarşılaştırmalı bir çerçeve sunmayı hedeflemektedir. Çalışmada adil tüketici davranışı teorisine bağlı olarak tüketici davranışlarının tespit edilmesine yönelik 34 maddeden oluşan bir anket oluşturulmaktadır. Ölçeğin yapı geçerliliğini ve güvenilirliğini test etmek için keşfedici faktör analizi ve cronbach alfa testleri kullanılmıştır. Bu testler sonucu değerler dikkate alındığında 28 madde analize dahil edilmiştir. Ardından keşfedici faktör analizi sonucu belirlenen dört faktör arasında Çoklu Regresyon Analizi yapıldı. Sonuç itibariyle adil tüketici davranışı teorisi için oluşturulan hipotezlerin geçerli olduğu saptandı. Dolayısıyla faizli finans sistemine alternatif olarak işlemlerini yürüten faizsiz finans kuruluşlarının salt faizsiz seçeneklere sahip oluşunun tüketicilerin adil finansal sistem algılarını cezbetmede yeterli olmadığı gözlemlendi.

Anahtar Kelimeler

• Tüketici davranışı
• İslami bankacılık
• davranışsal finans
• keşfedici faktör analizi
• İslami finans

Kaynakça

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