ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE

Fahrettin Pala

doi:10.54863/jief.1801719

TR EN

KATILIM BANKALARINDA RİSK GÖSTERGELERİ İLE FİNANSAL PERFORMANS ARASINDAKİ İLİŞKİNİN ANALİZİ: TÜRKİYE ÖRNEĞİ

Öz

Bu çalışma, Türkiye’de faaliyet gösteren katılım bankalarında risk göstergelerinin finansal performans üzerindeki etkisini incelemektedir. Faizsiz bankacılık ilkeleriyle faaliyet gösteren katılım bankaları, kendine özgü risk yapısına sahiptir. Bu kapsamda kredi riski, likidite riski, operasyonel risk, kaldıraç riski ve piyasa riskinin finansal performans göstergeleri üzerindeki etkileri 2016–2023 dönemi verileriyle panel veri analizi kullanılarak araştırılmıştır. Analizde değişkenler arasındaki ilişki Driscoll–Kraay (1998) ve tesadüfi etkiler yöntemiyle yapılmıştır. Analiz sonuçları, katılım bankalarında kredi karşılık oranı (kredi riski) ve varlık volatilitesinin (piyasa riski) finansal performans üzerinde istatistiksel olarak anlamlı etkiler yarattığını göstermektedir. Operasyonel risk ve kaldıraç riski bazı modellerde anlamlı bulunurken, likidite riskinin etkisi tüm modellerde istatistiksel olarak zayıf kalmıştır. Genel olarak, risk göstergelerinin finansal performans üzerinde heterojen ve değişken bir etkisi olduğu gözlemlenmiştir. Çalışma, katılım bankacılığı literatürüne katkı sağlamakta ve politika yapıcılara risk yönetimi stratejilerinin geliştirilmesi konusunda öneriler sunmaktadır. Anahtar Kelimeler: Katılım Bankaları, Finansal Performans, Risk Göstergeleri, Kurumsal Risk Yönetimi, Panel Veri JEL Sınıflandırma: G21, G32, C23

Anahtar Kelimeler

Katılım Bankaları, Finansal Performans, Risk Göstergeleri, Kurumsal Risk Yönetimi, Panel Veri

ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE

Öz

This study examines the impact of risk indicators on financial performance in participation banks operating in Turkey. Participation banks, which operate according to interest-free banking principles, have their own unique risk structure. In this context, the effects of credit risk, liquidity risk, operational risk, leverage risk, and market risk on financial performance indicators were investigated using panel data analysis with data from the 2016–2023 period. The relationship between variables in the analysis was determined using the Driscoll–Kraay (1998) method and the random effects method. The analysis results show that the loan loss ratio (credit risk) and asset volatility (market risk) in participation banks have statistically significant effects on financial performance. Operational risk and leverage risk were found to be significant in some models, while the impact of liquidity risk remained statistically weak in all models. Generally, it has been observed that risk indicators have a heterogeneous and variable impact on financial performance. The study contributes to the literature on participation banking and offers suggestions to policymakers regarding the development of risk management strategies. Keywords: Participation Banks, Financial Performance, Risk Indicators, Enterprise Risk Management, Panel Data JEL Classification: G21, G32, C23

Anahtar Kelimeler

Participation Banks, Financial Performance, Risk Indicators, Enterprise Risk Management, Panel Data

Öz

Kaynakça

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Ayrıntılar

Birincil Dil

İngilizce

Konular

İslam Finansı

Bölüm

Araştırma Makalesi

Yazarlar

Fahrettin Pala ^*
0000-0001-9565-8638
Türkiye

Yayımlanma Tarihi

1 Temmuz 2026

Gönderilme Tarihi

13 Ekim 2025

Kabul Tarihi

22 Haziran 2026

Yayımlandığı Sayı

Yıl 2026 Cilt: 12 Sayı: 1

DOI

https://doi.org/10.54863/jief.1801719

IZ

https://izlik.org/JA76GZ38CL

APA

Pala, F. (2026). ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE. İslam Ekonomisi ve Finansı Dergisi (İEFD), 12(1), 280-337. https://doi.org/10.54863/jief.1801719

AMA

1.Pala F. ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE. JIEF. 2026;12(1):280-337. doi:10.54863/jief.1801719

Chicago

Pala, Fahrettin. 2026. “ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE”. İslam Ekonomisi ve Finansı Dergisi (İEFD) 12 (1): 280-337. https://doi.org/10.54863/jief.1801719.

EndNote

Pala F (01 Temmuz 2026) ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE. İslam Ekonomisi ve Finansı Dergisi (İEFD) 12 1 280–337.

IEEE

[1]F. Pala, “ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE”, JIEF, c. 12, sy 1, ss. 280–337, Tem. 2026, doi: 10.54863/jief.1801719.

ISNAD

Pala, Fahrettin. “ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE”. İslam Ekonomisi ve Finansı Dergisi (İEFD) 12/1 (01 Temmuz 2026): 280-337. https://doi.org/10.54863/jief.1801719.

JAMA

1.Pala F. ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE. JIEF. 2026;12:280–337.

MLA

Pala, Fahrettin. “ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE”. İslam Ekonomisi ve Finansı Dergisi (İEFD), c. 12, sy 1, Temmuz 2026, ss. 280-37, doi:10.54863/jief.1801719.

Vancouver

1.Fahrettin Pala. ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE. JIEF. 01 Temmuz 2026;12(1):280-337. doi:10.54863/jief.1801719

KATILIM BANKALARINDA RİSK GÖSTERGELERİ İLE FİNANSAL PERFORMANS ARASINDAKİ İLİŞKİNİN ANALİZİ: TÜRKİYE ÖRNEĞİ

Öz

Anahtar Kelimeler

ANALYSIS OF THE RELATIONSHIP BETWEEN RISK INDICATORS AND FINANCIAL PERFORMANCE IN PARTICIPATION BANKS: THE CASE OF TÜRKİYE

Öz

Anahtar Kelimeler

Öz

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

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IZ

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