Basic Problems of Participation Banking in Turkey and Suggestions for Solutions: A Literature Review and Interview Study

Zeyneb Hafsa Orhan

Makale detayları

Basic Problems of Participation Banking in Turkey and Suggestions for Solutions: A Literature Review and Interview Study

Yazarlar:

Zeyneb Hafsa Orhan

Yayıncı:

Selcuk University

Dergi:

Tevilat Vol.4 Issue 1, pp.125-148

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294714

pISSN:

2687-4849

Anahtar kelimeler:

Özet:

 Participation banking has a history of nearly forty years in Turkey, including its predecessors, special finance houses. Despite this relatively long history, the point reached by the sector is discussed and criticized in many ways. Participation banking, known in the world as Islamic banking, is an important sub-field of Islamic finance. Interest in this has increased especially after the 2008 world financial crisis. In this context, the aim of this article is to identify todays participation banking problems in Turkey, both through the literature that has emerged with increasing interest since the aforementioned period, and through the users and employees from whom information was obtained through interviews, and to propose solutions. Therefore, the main methods of the article are literature research and e-mail interviews. Within the scope of the interviews, 23 users and 5 employees from the cities of Istanbul and Kayseri were interviewed. According to the findings obtained from the literature review, there has been no change in most of the problems expressed in the literature in the last ten years. The prominent ones are; inadequacy of ATMs and branches, lack of knowledge and belief of employees, and lack of product. In the interview study conducted on 28 people in total, the most prominent problem was the lack of knowledge and belief of the employees. The article ends with suggestions for solutions to the main problems identified.

 Participation banking has a history of nearly forty years in Turkey, including its predecessors, special finance houses. Despite this relatively long history, the point reached by the sector is discussed and criticized in many ways. Participation banking, known in the world as Islamic banking, is an important sub-field of Islamic finance. Interest in this has increased especially after the 2008 world financial crisis. In this context, the aim of this article is to identify todays participation banking problems in Turkey, both through the literature that has emerged with increasing interest since the aforementioned period, and through the users and employees from whom information was obtained through interviews, and to propose solutions. Therefore, the main methods of the article are literature research and e-mail interviews. Within the scope of the interviews, 23 users and 5 employees from the cities of Istanbul and Kayseri were interviewed. According to the findings obtained from the literature review, there has been no change in most of the problems expressed in the literature in the last ten years. The prominent ones are; inadequacy of ATMs and branches, lack of knowledge and belief of employees, and lack of product. In the interview study conducted on 28 people in total, the most prominent problem was the lack of knowledge and belief of the employees. The article ends with suggestions for solutions to the main problems identified.

 Participation banking has a history of nearly forty years in Turkey, including its predecessors, special finance houses. Despite this relatively long history, the point reached by the sector is discussed and criticized in many ways. Participation banking, known in the world as Islamic banking, is an important sub-field of Islamic finance. Interest in this has increased especially after the 2008 world financial crisis. In this context, the aim of this article is to identify todays participation banking problems in Turkey, both through the literature that has emerged with increasing interest since the aforementioned period, and through the users and employees from whom information was obtained through interviews, and to propose solutions. Therefore, the main methods of the article are literature research and e-mail interviews. Within the scope of the interviews, 23 users and 5 employees from the cities of Istanbul and Kayseri were interviewed. According to the findings obtained from the literature review, there has been no change in most of the problems expressed in the literature in the last ten years. The prominent ones are; inadequacy of ATMs and branches, lack of knowledge and belief of employees, and lack of product. In the interview study conducted on 28 people in total, the most prominent problem was the lack of knowledge and belief of the employees. The article ends with suggestions for solutions to the main problems identified.

 Katılım bankacılığı, öncülü olan özel finans kurumları da dahil olmak üzere Türkiyede yaklaşık kırk senelik bir geçmişe sahiptir. Görece uzun sayılabilecek bu geçmişe rağmen sektörün geldiği nokta pek çok açıdan tartışılmakta ve eleştirilmektedir. Katılım bankacılığı, dünyada bilinen ismiyle İslami bankacılık, İslami finansın önemli bir alt alanıdır. Buna yönelik ilgi özellikle 2008 dünya finansal krizinden sonra artmıştır. Bu kapsamda bu makalenin amacı, Türkiyedeki günümüz katılım bankacılığı sorunlarını hem bahsi geçen dönemden itibaren artan ilgiyle ortaya çıkan literatür üzerinden hem de mülakat yoluyla kendilerinden bilgi edinilen kullanıcı ve çalışanlar üzerinden tespit edip çözümler önermektir. Dolayısıyla makalenin temel yöntemleri literatür araştırması ve e-posta yollu mülakatlardır. Mülakatlar kapsamında İstanbul ve Kayseri şehirlerinden olmak üzere 23 kullanıcı ve 5 çalışan ile mülakat yapılmıştır. Literatür taramasından edinilen bulgulara göre son on sene içerisinde literatürde dile getirilen problemlerin pek çoğunda bugün için de bir değişiklik olmamıştır. Bunlardan öne çıkanları; ATM ve şube yetersizliği, çalışanların bilgi ve inanç eksikliği, ürün yetersizliği gibi problemlerdir. Toplamda 28 kişi üzerinden yapılan mülakat çalışmasında da en öne çıkan problem olarak çalışanların bilgi ve inanç yetersizliği tespit edilmiştir. Makale, tespit edilen temel problemlere dair çözüm önerileriyle son bulmaktadır.

Makale detayları

Basic Problems of Participation Banking in Turkey and Suggestions for Solutions: A Literature Review and Interview Study

Yazarlar:

Zeyneb Hafsa Orhan

Yayıncı:

Selcuk University

Dergi:

Tevilat Vol.4 Issue 1, pp.125-148

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294714

pISSN:

2687-4849

Islamic Economics

Participation Banking

Turkey

Problems

Literature Review

Interview

Problem Solutions.Türkiye

Katılım bankacılığı

problemler

literatür taraması

mülakat

çözüm önerileri

Sayı

Makale detayları

Yazarlar: Zeyneb Hafsa Orhan

Yayıncı: Selcuk University

Dergi: Tevilat Vol.4 Issue 1, pp.125-148

Belge Tipi: Makale

Yayın Tarihi: 6/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001294714

pISSN: 2687-4849

Sayı

Yazarlar:

Zeyneb Hafsa Orhan

Yayıncı:

Selcuk University

Dergi:

Tevilat Vol.4 Issue 1, pp.125-148

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001294714

pISSN:

2687-4849