Katılım (İslami) Bankaları ve Ticari Bankalarda Müşteri Tercihleri: Türkiye Üzerine Bir Araştırma
Özet
After the oil crisis and the sharp rise in the oil prices in 1970’s, oil-rich Islamic countries felt a need to
invest their funds into the banking systems. As the concept of interest is unlawful in Islam, the capitals of
Muslim households remained idle. As a result, participation banking sector was born and developed
rapidly with a widespread recognition. This study aims to explore the potensial reasons behind the
customers' preference of participation banking services and tries to identify the level of knowledge about
the products and services of participation banking. The study also investigates the differences in terms of
levels of religious orientation and financial literacy scares between the customers of participation and
commercial banking services. A logistic model is derived from the variables (religious orientation,
financial literacy, level of knowledge about participation banking, age, gender, marital status) in
predicting the odds of using paticipation banking.
The sample of this study is composed of 207 banking service customers (79 participation banking users
and 128 commercial). The findings of this research reveal that “religious reasons”, “these institutions
being far away from the concept of interest” and “close attention of staff to customers” are ranked as the
top among the reasons for the preference of choosing participation banking. Independent sample t-test
indicate that while customers of participation and commercial banking differ significantly in religious
orientation, they are similar in financial literacy. According to the logistics regression model, religious
orientation, knowledge about participation banking and gender (being a male) are reported to have a
significant positive effect while financial literacy has a negative effect on the use of participation banking.
On the other hand, age and marital status have not been found to be significant in predicing the odds of
using of participation banking.
