Katılım bankalarının ekonomiye katıkıları: Türkiye ve seçili ülkeler karşılaştırılması
Küçük Resim Yok
Tarih
2023
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Niğde Ömer Halisdemir Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Dünya hızla yaygınlaşan katılım bankacılığı, son yıllarda kamu bankalarının da faizsiz finans sektörüne girişi ile birlikte Türkiye?de de gelişimini büyük bir hızla sürdürmektedir. Faizden uzak faaliyet gösteren katılım bankaları, İslami çerçevede finans sektöründe yer almakta ve diğer tüm bankalara bir alternatif niteliğinde bulunmaktadırlar. Ülke ekonomilerine ciddi katkıları olan bu kurumlar, insan yaşamından faizin olumsuz etkilerini ortadan kaldırmak ve faiz nedeniyle finans dünyasına katılmayan âtıl fonları sistem içerisine çekmeyi amaç edinmişlerdir. Bu tez çalışması, Türkiye ile seçilmiş ülkeler arasında karşılaştırmalı bir analize odaklanarak, katılım bankalarının ekonomik büyüme ve istikrarın sağlanmasında oynadığı önemli rolü incelemektedir. Ön bulgular, katılım bankalarının faize dayalı olmayan finansal modelinin, özellikle küresel finansal kriz dönemlerinde ekonomik istikrara önemli ölçüde katkı sağladığını ortaya koymaktadır. Bu bankalar, finansal kapsayıcılığı artırmada, sürdürülebilir kalkınmayı desteklemede ve ekonomik oynaklık karşısında dayanıklılığı artırmada çok önemli bir rol oynamaktadır. Ancak performans ve etki, farklı düzenleyici ortamlar, ekonomik gelişme düzeyleri ve kültürel faktörler nedeniyle ülkeler arasında farklılık gösterir. Bu çalışma, katılım bankacılığının ekonomik katkılarının kapsamlı bir şekilde incelenmesini sağlayarak mevcut bilgi birikimine katkıda bulunmakta ve böylece Türkiye ile diğer ülkeler arasındaki karşılaştırmalı çalışmalardaki boşluğu doldurmaktadır. Ayrıca, katılım bankalarının ekonomik büyümeyi ve istikrarı canlandırma potansiyelinin optimize edilmesine yönelik politika önerileri sunmaktadır. Anahtar Kelimeler: Katılım bankacılığı, finans sistemi, faiz, İslam
Participation banking, which has become widespread in the world, continues to develop rapidly in Turkey with the entry of public banks into the interest-free finance sector in recent years. Participation banks, which operate far from interest, take place in the finance sector within the Islamic framework and are an alternative to all other banks. These institutions, which have made serious contributions to the country?s economies, aim to eliminate the negative effects of interest from human life and to attract idle funds that do not participate in the financial world due to interest into the system. Participation banking, which has become widespread in the world, continues to develop rapidly in Turkey with the entry of public banks into the interest- free finance sector in recent years. Participation banks, which operate far from interest, take place in the finance sector within the Islamic framework and are an alternative to all other banks. These institutions, which have made serious contributions to the country's economies, aim to eliminate the negative effects of interest from human life and to attract idle funds that do not participate in the financial world due to interest into the system. This thesis examines the important role played by participation banks in ensuring economic growth and stability, focusing on a comparative analysis between Turkey and selected countries. Preliminary findings reveal that the non-interest-based financial model of participation banks contributes significantly to economic stability, especially during the global financial crisis. These banks play a crucial role in increasing financial inclusion, supporting sustainable development and building resilience in the face of economic volatility. However, performance and impact differ between countries due to different regulatory environments, levels of economic development and cultural factors. This study contributes to the existing knowledge by providing a comprehensive analysis of the economic contributions of participation banking and thus fills the gap in comparative studies between Turkey and other countries. It also provides policy recommendations for optimizing the potential of participation banks to stimulate economic growth and stability. Keywords: Participation banking, financial system, interest rate, Islam
Participation banking, which has become widespread in the world, continues to develop rapidly in Turkey with the entry of public banks into the interest-free finance sector in recent years. Participation banks, which operate far from interest, take place in the finance sector within the Islamic framework and are an alternative to all other banks. These institutions, which have made serious contributions to the country?s economies, aim to eliminate the negative effects of interest from human life and to attract idle funds that do not participate in the financial world due to interest into the system. Participation banking, which has become widespread in the world, continues to develop rapidly in Turkey with the entry of public banks into the interest- free finance sector in recent years. Participation banks, which operate far from interest, take place in the finance sector within the Islamic framework and are an alternative to all other banks. These institutions, which have made serious contributions to the country's economies, aim to eliminate the negative effects of interest from human life and to attract idle funds that do not participate in the financial world due to interest into the system. This thesis examines the important role played by participation banks in ensuring economic growth and stability, focusing on a comparative analysis between Turkey and selected countries. Preliminary findings reveal that the non-interest-based financial model of participation banks contributes significantly to economic stability, especially during the global financial crisis. These banks play a crucial role in increasing financial inclusion, supporting sustainable development and building resilience in the face of economic volatility. However, performance and impact differ between countries due to different regulatory environments, levels of economic development and cultural factors. This study contributes to the existing knowledge by providing a comprehensive analysis of the economic contributions of participation banking and thus fills the gap in comparative studies between Turkey and other countries. It also provides policy recommendations for optimizing the potential of participation banks to stimulate economic growth and stability. Keywords: Participation banking, financial system, interest rate, Islam
Açıklama
Sosyal Bilimler Enstitüsü, Bankacılık ve Finans Ana Bilim Dalı
Anahtar Kelimeler
Bankacılık, Banking
