CUSTOMER PREFERENCES IN BANK SELECTION: AN EMPIRICAL ANALYSIS ON PARTICIPATION BANKS

Öz

Participation Banking has been developing and growing rapidly, especially in the last quarter century, and included in the 10th Development Plan in line with Turkey's Islamic Financial Center goal. Despite the fact that some studies have been carried out on a small scale to investigate why interest-free banks are preferred in the world and in Turkey, this number is both inadequate and the studies on why the participation banks are preferred for the regional and larger size are rarely found in the literature. In this study; it has been searched why the participation banks in the Western Black Sea region are preferred by the customers. In this frame, data were collected by survey from Bolu, Düzce and Zonguldak that is located in the Western Black Sea region and analyzed by SPSS 23 program. In the light of findings, the factors enabling the participation banks to be preferred in Western Black Sea Region have been obtained. In addition, as a result of the factor analysis, it was observed that two factors were important for customers when they preferred participation banks. According to these factors, it was tested by Anova analysis whether there is a preference difference in participation banks in the related cases. According to the analysis results, the most effective reason for the preference of participation banks is; it has been concluded that the branch is closely related to the staff. This research is expected to contribute to the literature and researchers.

Anahtar Kelimeler

• Participation Bank,Customer Preference,Empirical Study

BANKA SEÇİMİNDE MÜŞTERİ TERCİHLERİ: KATILIM BANKALARI ÜZERİNE AMPRİK BİR İNCELEME

Öz

Özellikle son çeyrek asırda hızla gelişip büyümekte olan katılım bankaları, Türkiye'nin İslami Finans Merkezi hedefi doğrultusunda Onuncu kalkınma planına dâhil olmuştur. Dünyada ve Türkiye’de faizsiz bankaların niçin tercih edildiğini araştıran küçük çapta belli başlı bazı çalışmalar yapılmış olmasına rağmen bu sayı hem yetersiz, hem de katılım bankalarının bölgesel ve daha büyük çapta niçin tercih edildiğine dair yapılan çalışmalar literatürde yok denecek kadar azdır. Bu araştırmada; Düzce, Bolu ve Zonguldak’ta katılım bankalarının müşteriler tarafından niçin tercih edildiği araştırılmıştır. Bu çerçevede, Bolu, Düzce ve Zonguldak’tan anket yoluyla veri toplanarak, SPSS 23 programıyla analiz edilmiştir. Bulgular ışığında, katılım bankalarının Düzce, Bolu ve Zonguldak illerinde tercih edilmesini sağlayan etkenler ortaya konmuştur. Ayrıca, faktör analizi sonucunda müşterilerin katılım bankalarını tercih etmesinde iki faktörün önemli olduğu gözlenmiştir. Bu faktörlere göre iller arasında katılım bankalarının tercih edilmesinde bir farklılık olup olmadığı Anova analizi ile test edilmiştir. Bu araştırma neticesinde, çalışmanın literatüre ve katılım bankalarına katkıda bulunması beklenmektedir.

Anahtar Kelimeler

• Katılım Bankası,Müşteri Tercihi,Amprik İnceleme

Kaynakça

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