Akademik Veri Yönetim Sistemi
Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, cilt.34, sa.2, ss.293-314, 2020 (SSCI)
Türkiye’deki ismi ile katılım bankacılığı, İslami finans ilkeleri çerçevesinde faizsiz bankacılık faaliyetlerini gerçekleştiren banka türüdür. Geleneksel bankacılık hizmetlerinden temelde ayrımı faizsiz işlemler olan katılım bankacılığı, 2019 yılı sonu itibariyle Türkiye’de altı katılım bankası ile faaliyet göstermektedir. Katılım bankaları ülkemizde son yıllarda kalkınma planları çerçevesinde finans sektörünün ve bankacılık sisteminin hızla büyüyen ve gelişen bir parçası haline gelmiştir. Söz konusu bankalar mevcut yapı ve işleyişleri ile ülke ekonomisine önemli ölçüde katma değer sağlamaktadır. Bu çalışmada Türkiye’de 2011-2019 yıllarında faaliyet gösteren yedi katılım bankasının finansal performansları TOPSIS yöntemi ile analiz edilerek değerlendirmelerde bulunulmuştur. Bu tür analizler katılım bankalarının kriz, iflas, likidite sıkıntısı gibi muhtemel gelişmelere önceden hazırlıklı olmasına yardımcı olmaktadır. Katılım bankalarının finans sektörü içerisindeki rolünün arzu edilen seviyeye çıkması için güçlü bir finansal yapıya sahip olmaları zorunludur. Anahtar Kelimeler: Katılım Bankaları, Faizsiz Bankacılık, İslami Finans, Finansal Performans, TOPSIS Yöntemi
The type of banking, which is called participation banking in Turkey, implements interest-free banking in the framework of Islamic finance principles. Participation banking, whose basic difference from traditional banking services is interest-free transactions, has been operating with six participation banks in Turkey by the end of 2019. Participation banks have become a rapidly growing and developing part of the financial sector and the banking system within the framework of development plans in recent years in our country. The relevant banks provide significant added value to the country's economy with current structure and functioning. In this study, the financial performance of seven participation banks operating in Turkey between 20112019 have been analyzed by TOPSIS method and evaluations were made. Such analyzes enable the participation banks to be well prepared for possible developments such as crisis, bankruptcy and liquidity difficulties. For the role of participation banks in the financial sector to reach the desired level, it is imperative that they have a strong financial structure. Keywords: Participation Banks, Interest-Free Banking, Islamic Finance, Financial Performance, TOPSIS Method The type of banking, which is called participation banking in Turkey, implements interest-free banking in the framework of Islamic finance principles. Participation banking, whose basic difference from traditional banking services is interest-free transactions, has been operating with six participation banks in Turkey by the end of 2019. Participation banks have become a rapidly growing and developing part of the financial sector and the banking system within the framework of development plans in recent years in our country. The relevant banks provide significant added value to the country's economy with current structure and functioning. In this study, the financial performance of seven participation banks operating in Turkey between 20112019 have been analyzed by TOPSIS method and evaluations were made. Such analyzes enable the participation banks to be well prepared for possible developments such as crisis, bankruptcy and liquidity difficulties. For the role of participation banks in the financial sector to reach the desired level, it is imperative that they have a strong financial structure. Keywords: Participation Banks, Interest-Free Banking, Islamic Finance, Financial Performance, TOPSIS Method