Examination of Satisfaction Levels of Agricultural Credit Customers with Banking Services: The Case of Sivas Province

Reyhan Ayşe Akpınar; Yılmaz Günel

Makale detayları

Examination of Satisfaction Levels of Agricultural Credit Customers with Banking Services: The Case of Sivas Province

Yazarlar:

Reyhan Ayşe Akpınar | Yılmaz Günel

Yayıncı:

Burdur Mehmet Akif Ersoy University

Ana Başlıklar:

Finans | Tüketici Davranışı

Dergi:

Bucak İşletme Fakültesi Dergisi Vol.8 Issue 1, pp.14-26

Belge Tipi:

Makale

Yayın Tarihi:

4/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001346447

pISSN:

2687-3826

Anahtar kelimeler:

Özet:

 Agricultural financing is a critical component of all agricultural development operations aimed at increasing productivity in agriculture. In Türkiye, the necessary financing can be provided through agricultural loans offered by the banking sector and some organisations. Determining the satisfaction levels of customers in the provision of agricultural loans has an important place for both sector stakeholders and people in need of financing. In this study, it is aimed to determine the satisfaction levels of agricultural consumers with the current structure and services related to agricultural loans offered by banks in Türkiye. In addition, it was also analysed whether consumers opinions on agricultural credit services differ in terms of various independent variables. The population of the research consists of people aged 18 and over who are engaged in agriculture in Sivas province, and 390 people are included in the sample. In the research, the designed questionnaires were applied face to face using convenience sampling method. In the questionnaire, there are questions reflecting the demographic characteristics of the participants and the Scale for Determining the Satisfaction Levels of Agricultural Credit Customers with Banking Services created by the researchers by reviewing the relevant literature. Descriptive research method was used in the study. Kolmogorov-Smirnov, Mann Whitney U and Kruskal Wallis H Tests with Bonferroni Correction were used in the data analysis phase. In the explanatory factor analysis step of the study, a measurement structure comprising five factors -banking service, personalised service, bank employee behaviour, credit service, trust- and 28 items was identified. As a result of the study, it was found that the participants were generally satisfied with the factors of banking service, personalised service, bank employee behaviour and trust while they were generally dissatisfied with the credit service factor. The research also revealed statistically significant differences in the satisfaction levels of agricultural loan customers regarding banking services according to gender, age, education level, duration of agricultural experience and number of agricultural loan utilisation variables, while there were no statistically significant differences according to marital status and field of activity variables.

 Agricultural financing is a critical component of all agricultural development operations aimed at increasing productivity in agriculture. In Türkiye, the necessary financing can be provided through agricultural loans offered by the banking sector and some organisations. Determining the satisfaction levels of customers in the provision of agricultural loans has an important place for both sector stakeholders and people in need of financing. In this study, it is aimed to determine the satisfaction levels of agricultural consumers with the current structure and services related to agricultural loans offered by banks in Türkiye. In addition, it was also analysed whether consumers opinions on agricultural credit services differ in terms of various independent variables. The population of the research consists of people aged 18 and over who are engaged in agriculture in Sivas province, and 390 people are included in the sample. In the research, the designed questionnaires were applied face to face using convenience sampling method. In the questionnaire, there are questions reflecting the demographic characteristics of the participants and the Scale for Determining the Satisfaction Levels of Agricultural Credit Customers with Banking Services created by the researchers by reviewing the relevant literature. Descriptive research method was used in the study. Kolmogorov-Smirnov, Mann Whitney U and Kruskal Wallis H Tests with Bonferroni Correction were used in the data analysis phase. In the explanatory factor analysis step of the study, a measurement structure comprising five factors -banking service, personalised service, bank employee behaviour, credit service, trust- and 28 items was identified. As a result of the study, it was found that the participants were generally satisfied with the factors of banking service, personalised service, bank employee behaviour and trust while they were generally dissatisfied with the credit service factor. The research also revealed statistically significant differences in the satisfaction levels of agricultural loan customers regarding banking services according to gender, age, education level, duration of agricultural experience and number of agricultural loan utilisation variables, while there were no statistically significant differences according to marital status and field of activity variables.

 Agricultural financing is a critical component of all agricultural development operations aimed at increasing productivity in agriculture. In Türkiye, the necessary financing can be provided through agricultural loans offered by the banking sector and some organisations. Determining the satisfaction levels of customers in the provision of agricultural loans has an important place for both sector stakeholders and people in need of financing. In this study, it is aimed to determine the satisfaction levels of agricultural consumers with the current structure and services related to agricultural loans offered by banks in Türkiye. In addition, it was also analysed whether consumers opinions on agricultural credit services differ in terms of various independent variables. The population of the research consists of people aged 18 and over who are engaged in agriculture in Sivas province, and 390 people are included in the sample. In the research, the designed questionnaires were applied face to face using convenience sampling method. In the questionnaire, there are questions reflecting the demographic characteristics of the participants and the Scale for Determining the Satisfaction Levels of Agricultural Credit Customers with Banking Services created by the researchers by reviewing the relevant literature. Descriptive research method was used in the study. Kolmogorov-Smirnov, Mann Whitney U and Kruskal Wallis H Tests with Bonferroni Correction were used in the data analysis phase. In the explanatory factor analysis step of the study, a measurement structure comprising five factors -banking service, personalised service, bank employee behaviour, credit service, trust- and 28 items was identified. As a result of the study, it was found that the participants were generally satisfied with the factors of banking service, personalised service, bank employee behaviour and trust while they were generally dissatisfied with the credit service factor. The research also revealed statistically significant differences in the satisfaction levels of agricultural loan customers regarding banking services according to gender, age, education level, duration of agricultural experience and number of agricultural loan utilisation variables, while there were no statistically significant differences according to marital status and field of activity variables.

 Tarımsal finansman, tarımda verimliliği artırmayı hedefleyen tüm tarımsal kalkınma operasyonları için kritik bir bileşendir. Ülkemizde, bankacılık sektörü ve bazı kuruluşların sunduğu tarımsal krediler ile gerekli finansman sağlanabilmektedir. Tarımsal kredilerin sağlanmasında müşterilerin memnuniyet düzeylerinin belirlenmesi hem sektör paydaşları hem de finansman ihtiyacı olan kişiler için önemli bir yere sahiptir. Araştırmada, tarımla uğraşan kişilerin, Türkiyede bankalarca sunulan tarımsal krediye ilişkin mevcut yapı ve hizmetlerden duydukları memnuniyet düzeylerinin belirlenmesi amaçlanmıştır. Ayrıca tüketicilerin tarımsal kredi hizmetlerine ilişkin düşüncelerinin çeşitli bağımsız değişkenler açısından farklılık gösterip göstermediğide incelenmiştir. Araştırmanın evrenini Sivas ilinde tarım ile uğraşan 18 yaş ve üzeri kişiler oluşturmakta, örnekleminde ise 390 kişi yer almaktadır. Araştırmada, tasarlanan anketler kolayda örnekleme yöntemi kullanılarak yüz yüze uygulanmıştır. Ankette, katılımcıların demografik özelliklerini yansıtan sorular ile birlikte ilgili literatür taranarak araştırmacılarca oluşturulan Tarımsal Kredi Müşterilerinin Bankacılık Hizmetlerinden Memnuniyet Düzeylerinin Belirlenmesi Ölçeği bulunmaktadır. Çalışmada Betimsel Araştırma Yöntemi kullanılmıştır. Verilerin analizi aşamasında Kolmogorov-Smirnov, Bonferroni Düzeltmeli Mann Whitney U ve Kruskal Wallis H Testleri kullanılmıştır. Çalışmanın açıklayıcı faktör analizi adımında beş faktör bankacılık hizmeti, kişiye özel hizmet, banka çalışan davranışı, kredi hizmeti, güven ve 28 maddeden oluşan bir ölçme yapısı elde edilmiştir. Araştırma sonucunda; katılımcıların bankacılık hizmeti, kişiye özel hizmet, banka çalışan davranışı ve güven faktörlerine ilişkin olarak genel anlamda memnun oldukları fakat kredi hizmeti faktörüne yönelik genel anlamda memnun olmadıkları belirlenmiştir. Araştırmada, cinsiyet, yaş, eğitim durumu, tarımsal tecrübe süresi ve tarımsal kredi kullanım sayısı değişkenlerine göre tarımsal kredi müşterilerinin bankacılık hizmetlerine ilişkin memnuniyet düzeyleri arasında istatistiksel açıdan anlamlı farklılıkların olduğu, medeni durum ve faaliyet alanı değişkenlerine göre ise istatistiksel açıdan anlamlı farklılıkların olmadığı sonucuna ulaşılmıştır.

Makale detayları

Examination of Satisfaction Levels of Agricultural Credit Customers with Banking Services: The Case of Sivas Province

Yazarlar:

Reyhan Ayşe Akpınar | Yılmaz Günel

Yayıncı:

Burdur Mehmet Akif Ersoy University

Ana Başlıklar:

Finans | Tüketici Davranışı

Dergi:

Bucak İşletme Fakültesi Dergisi Vol.8 Issue 1, pp.14-26

Belge Tipi:

Makale

Yayın Tarihi:

4/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001346447

pISSN:

2687-3826

Agricultural Finance

Banking Services

Factor Analysis

Non-Parametric Tests.Tarımsal Finansman

Bankacılık Hizmetleri

Faktör Analizi

Non-Parametrik Testler

Sayı

Makale detayları

Yazarlar: Reyhan Ayşe Akpınar | Yılmaz Günel

Yayıncı: Burdur Mehmet Akif Ersoy University

Ana Başlıklar: Finans | Tüketici Davranışı

Dergi: Bucak İşletme Fakültesi Dergisi Vol.8 Issue 1, pp.14-26

Belge Tipi: Makale

Yayın Tarihi: 4/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001346447

pISSN: 2687-3826

Sayı

Yazarlar:

Reyhan Ayşe Akpınar | Yılmaz Günel

Yayıncı:

Burdur Mehmet Akif Ersoy University

Ana Başlıklar:

Finans | Tüketici Davranışı

Dergi:

Bucak İşletme Fakültesi Dergisi Vol.8 Issue 1, pp.14-26

Belge Tipi:

Makale

Yayın Tarihi:

4/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001346447

pISSN:

2687-3826