Geleneksel Bankalarin Kredi̇leri̇ Katilim Bankalarinin Kredi̇leri̇ni̇ Dişliyor Mu?

Abstract

A dual banking system has emerged in Turkey with the participation banks starting to operate since the mid-1980s. Therefore, it is important in terms of financial policies whether the two types of banking models are compatible or incompatible with each other. The aim of this study is to investigate how credits of conventional banks affect participation banks in the context of Turkey. Monthly observations of participation and conventional banks credit during the period between 01/2005 - 02/2022 are used in study. Kalman filter method with simple regression analysis was preferred as a model. The findings implied that the conventional banking model did not hinder participation banks in the credit market.

Türki̇ye’de Katilim Bankalari Ve Konvansi̇yonel Bankalar Arasindaki̇ Rekabet Üzeri̇ne Ni̇cel Araştrma

“…The first type of study analyzes participation banks and conventional banks empirically (Alpay & Hassan, 2007;Cihak & Hesse, 2008;Dilber & Hatipoğlu, 2022;Ghassan & Taher, 2012;Musa et al 2020;Surjaatmadja & Adriansyah, 2016;Alandejani & Asutay, 2017;Sun et al, 2017). The second type of study focused on customer satisfaction in terms of service quality, compliance with Islamic laws and reliability (Amin & Isa, 2008;Ahmed et al 2017;Ahmed et al 2021;Khattak & Rehman, 2010;Zouari & Abdelhedi, 2021).…”

“…They concluded that Islamic banks do not have a competitive advantage in terms of innovation, absorptive capacity and organisational culture. However, the only competitive advantage of Islamic banks is capital Dilber & Hatipoğlu (2022). investigated the relationship between convenitional bank loans and participation bank loans with the Kalman filter model, using the monthly frequency loans for the period 01/2005-02/2022.…”