A Study on Customer Perception towards the Islamic Banking Operations

Abstract

Günümüzde gerek Türkiye'de gerekse tüm dünyada İslami finansa ilgi artmış olmasına rağmen, İslami bankacılık uygulamalarının yeterli bir gelişme göstermediği anlaşılmaktadır. Tasarrufların ekonomiye kazandırılmasında ve kaynak aktarım sürecinin hızlı ve etkili bir biçimde gerçekleştirilmesinde, İslami bankacılık önemli bir role sahiptir. Bu nedenle bankacılık hizmetlerinden yararlanan tarafların İslami bankacılık faaliyetlerine yönelik tutum ve davranışlarının tespit edilmesi, finansal sistemin gelişimi açısından gerekli olmaktadır. Bu çalışmada, mevcut ve potansiyel banka müşterilerinin İslami bankacılık faaliyetlerine yönelik müşteri algısı anket yöntemiyle belirlenmeye çalışılmıştır. Anket sonuçlarına göre, İslami bir banka ile çalışmayı tercih eden, etmeyen ve kararsız olan katılımcıların tüm sorulara vermiş oldukları cevaplar arasında anlamlı farklılıklar tespit edilmiştir. Geleneksel bankacılık sistemine alternatif olarak değerlendirilen İslami bankacılık faaliyetlerinin müşteriler tarafından yeterince bilinmediği ve potansiyel banka müşterilerinin İslami finans algısının çok zayıf olduğu anlaşılmaktadır.

The Turkish and Syrian Customers' Attitudes and Behaviors Towards Islamic Banking in Turkey

“…However, they found that, in general, there is a high level of awareness customers have regarding the usage of the participation banks' products and services. Toraman et al (2015) tried to determine the preference and behavior of existing and potential customers towards Islamic banking activities. In their survey, the questionnaire form, using Szczepanowicz (2011) as a data collection tool, was applied Gaziantep.…”

Perspectives of SMEs on Islamic Banking Practices: A Study on the Assessment of Investment Financing and Business Savings

“…This study reports that Islamic bank customers prefer this system as they can perform transactions in a short time, as these banks are reliable, as they offer high quality and affordable services, as their employees are respectful and courteous, as they are innovative and due to religious reasons. Toroman et al (2015) have concluded that the participants of the survey did not have enough information about interest-free banking and that the majority of the participants believe that they are religiously obligated to work with the Islamic banks. Çobankaya (2014) explored the perception of Islamic banking in terms of its place in the banking sector.…”

“…Among the studies carried out to investigate the level of awareness of the consumer on Islamic banks are Gençtürk and Çobankaya (2015), Toroman et al (2015), Cobankaya (2014), Naser et al (2013), Khattak and Rehman (2010), Metawa and Almossawi (1998), studies investigating the reasons for preference of Islamic banks; Özsoy et al (2013Özsoy et al ( ), Ramada (2013, Lee and Ullah (2011), Marimuthu et al (2010); and among the studies designed to identify the customer satisfaction in Islamic banks are Kaytancı et al (2013), Bilir (2010), andYilmaz (2010).…”

“…The models and hypotheses to be tested for their validity are shown in Figure1. This study, conducted in order to identify the factors behind SMEs' preference of Islamic banking, builds on the research by Özsoy et al (2013), Ramada (2013), Lee and Ullah (2011), Marimuthu et al (2010) for Service Quality scale; builds on Gençtürk and Çobankaya (2015), Toroman et al (2015), Çobankaya (2014), Naser et al (2013), Khattak and Rehman, (2010) for Religious Sensitivities scale; builds on Gençtürk and Çobankaya (2015), Toroman et al (2015) for Recognition scale; and builds on Lee and Ullah (2011), Marimuthu et al (2010) for Transparency and Reliability scale.…”

“…Interest-Free Financial Acceptance ModelResearch hypotheses developed based on the research model are as follows:H1: A customer's perception of service quality has a positive effect on the intention to use Islamic banking.H2: A customer's perception of religious sensitivities has a positive effect on the intention to use Islamic banking.H3: A customer's perception of recognition has a positive effect on the intention to use Islamic banking. customer's perception of transparency and reliability has a positive effect on the intention to use Islamic banking.This study, conducted in order to identify the factors behind SMEs' preference of Islamic banking, builds on the research byÖzsoy et al (2013), Ramada (2013),Lee and Ullah (2011),Marimuthu et al (2010) for Service Quality scale; builds onGençtürk and Çobankaya (2015),Toroman et al (2015),Çobankaya (2014),Naser et al (2013),Khattak and Rehman, (2010) for Religious Sensitivities scale; builds onGençtürk and Çobankaya (2015),Toroman et al (2015) for Recognition scale; and builds onLee and Ullah (2011),Marimuthu et al (2010) for Transparency and Reliability scale.…”