Araştırma Makalesi
BibTex RIS Kaynak Göster

Future Projection of Islamic Banking in Turkey: Dream or Utopia?

Yıl 2023, Cilt: 37 Sayı: 4, 281 - 291, 15.10.2023

Öz

This study explores how Turkish Islamic banking professionals project and interpret the future of the Islamic banking sector in Turkey. The study adopted a case study methodology, included field- work in Turkey, and drew on semi-structured in depth-interviews in 2017. Also, it got help from documentary analysis based on documents such as banking legislations, magazines, booklets, and related other documents. Thirty-one Islamic bankers volunteered to participate in the study. Results showed that half of the participants are optimistic about the future of the Islamic banking sector in Turkey. They asserted that the share of Islamic banking in Turkey will increase from 5% to 15% or even more by 2025. Three major themes appeared in this group’s discourses: the Erdogan effect, Islamism, and the emergence of public participation banks. However, the other half was critical of a 15% market share goal. They found the goal of 15% market share by 2025 unrealistic and very difficult to attain under current economic conditions. Prominent discourses revealed in the pessimist group were the geopolitics of Turkey, fatwa-shopping, lack of legislation, and prod- uct diversity. Both groups of participants supported their arguments with various rationales.

Kaynakça

  • Ahmed, E. A. (1990). Islamic banking: Distribution of profit (case study). University of Hull.
  • Aktemur, A. M. (2005). Osmanlı Bankası’nın Tarihçe ve Mimarisi. Güzel Sanatlar Enstitüsü Dergisi, 15, 1–20.
  • A'la Mawdudi, S. A. (2013). First principles of Islamic economics. Kube Pub- lishing Ltd.
  • Asutay, M. (2013). The development of Islamic banking in Turkey: Regula- tion, performance and political economy. In Islamic finance in Europe (pp. 213–227). Edward Elgar Publishing.
  • Aysan, A. F., Disli, M., & Ozturk, H. (2018). Bank lending channel in a dual banking system: Why are Islamic banks so responsive? World Econ- omy, 41(3), 674–698. [CrossRef]
  • Baldwin, D. (2012). Turkey: Islamic banking in a secularist context. In Islamic financial markets (pp. 33–58). Routledge.
  • Banking Regulation and Supervision Agency of Turkey (2022). Banking sector data. https://www.bddk.org.tr/BultenAylik/en
  • Canbaz, M. (2016). Katılım bankacılığı. Beta Yayınları.
  • Çizarça, M. (1995). Cash waqfs of Bursa, 1555–1823. Journal of the Eco- nomic and Social History of the Orient, 38(3), 313–354. [CrossRef]
  • Dawood, N. J. (1990). The Koran: With a parallel Arabic text. Penguin.
  • Durmuş, G. (2021). “What Is Your Difference?” A look from inside to Islamic banking in Turkey. University of Leicester.
  • Kuran, T. (2018). Islam and economic performance: Historical and con- temporary links. Journal of Economic Literature, 56(4), 1292–1359. [CrossRef]
  • London Stock Exchange (2022). Sukuk. https://www.londonstockexchang e.com/raise-finance/debt/our-products/sukuk
  • Malik, M. S., Malik, A., & Mustafa, W. (2011). Controversies that make Islamic banking controversial: An analysis of issues and challenges. American Journal of Social and Management Sciences, 2(1), 41–46. [CrossRef]
  • Mandaville, J. E. (1979). Usurious piety: The cash waqf controversy in the Ottoman Empire. International Journal of Middle East Studies, 10(3), 289–308. [CrossRef]
  • Mayer, A. E. (1985). Islamic banking and credit policies in the Sadat era: The social origins of Islamic banking in Egypt. Arab Law Quarterly, 1(1), 32–50. [CrossRef]
  • Nasser, S. A. S. A., & Muhammed, D. D. J. (2013). ‘Introduction to history of Islamic banking in Malaysia’, Humanomics; Patrington, 29(2), 80–87. [CrossRef]
  • Noorzoy, M. S. (1982). Islamic laws on Riba (interest) and their economic implications. International Journal of Middle East Studies, 14(1), 3–17. [CrossRef]
  • Pamuk, Ş. (2004). Institutional change and the longevity of the Ottoman Empire, 1500–1800. Journal of Interdisciplinary History, 35(2), 225–247. [CrossRef]
  • Participation Banks Association of Turkey (2021). Faaliyet Raporu. https://tkbb.org.tr/Documents/Yonetmelikler/00_2020_2021_Faaliyet_ Raporu.pdf
  • Participation Banks Association of Turkey (2022a). Banka Mukayese Raporu. https://tkbb.org.tr/veri/bankamukayese
  • Participation Banks Association of Turkey (2022b). Strategy Update Report. https://tkbb.org.tr/Documents/Yonetmelikler/EY_TKBB_Rap or_TR_v16_WEB_2021-2025.pdf
  • Presidency of the Republic of Türkiye Finance Office. (2022). https://ww w.cbfo.gov.tr/en/participation-finance
  • Sakarya Chamber of Commerce and Industry (2023). Adapazarı’nda Ticaret ve Adapazarı İslam Ticaret Bankası. http://satso.org.tr/bilgiicerik/417/adapazarinda-ticaret-ve-adapazari-islam-ticaret-bankas i.aspx
  • Saunders, M., Lewis, P., & Thornhill, A. (2012a). Research Methods for Busi- ness Students. Pearson Education.
  • Saunders, M., Lewis, P., & Thornhill, A. (2012b). Research Methods For Busi- ness Students. Essex: Prentice Hall, Financial Times.
  • Turkish Commercial Bank. (2023). History of the Bank. https://www.tur kticaretbankasi.com.tr/Icerik/hakkimizda Wagner-Tsukamoto, S. (2008). Contrasting the behavioural business eth- ics approach and the institutional economic approach to business ethics: Insights from the study of Quaker employers: Philosophical foundations/economics & business ethics. Journal of Business Eth- ics, 82(4), 835–850. [CrossRef]
  • Ziraat Bank (2022). Faaliyet Raporu. https://www.ziraatbank.com.tr/tr/ya tirimci-iliskileri-ZB/finansal-bilgiler/Documents/FaaliyetRaporu2 017.pdf

Türkiye’de Katılım Bankacılığının Gelecek Seyri: Hayal mi Ütopya mı?

Yıl 2023, Cilt: 37 Sayı: 4, 281 - 291, 15.10.2023

Öz

Bu çalışma katılım bankacılığı çalışanlarının Türk katılım bankacılığı sektörünün geleceğini nasıl yorumlayıp tahmin ettiklerini incelemektedir. Araştırma, vaka çalışması metodolojisine dayanmaktadır. 2017 yılında Türkiye’de gerçekleştirilen bir saha çalışması kapsamında yarı- yapılandırılmış mülakatlardan faydalanmıştır. Buna ek olarak belge analizinden yardım alınmıştır. Bankacılık kanunları, sektörel dergiler, kurum broşürleri vb. dökümanları içermiştir. Çalışmaya 31 katılım bankası çalışanı gönüllü olarak katılmıştır. Toplanan veri tematik analiz yoluyla incelenmiştir. Sonuçlar, katılımcıların yarısının katılım bankacılığı sektörünün Türkiye’deki geleceği hakkında iyimser olduğunu göstermektedir. 2025 yılına kadar katılım bankacılığı sektörünün yüzde 5’ten yüzde 15’e kadar hatta daha fazla büyüyebileceğini tahmin etmişlerdir ve üç ana tema üstünde durmuşlardır. Bunlar; Erdoğan etkisi, İslamcılık ve kamu katılım bankalarınn çıkışıdır. Öte yandan, katılımcıların diğer yarısı yüzde 15 hedefi hakkında eleştireldir. Bu grup mevcut ekonomik şartlar altında yüzde 15 hedefini gerçekçi bulmadıklarını beyan etmiştir. Kötümser olarak nitelendirilen bu grupta öne çıkan söylemler; Türkiye’nin jeopolitiği, fetva-ticareti, kanuni yetersizlikler ve ürün çeşitliliğin azlığıdır. Her iki grup da söylemlerini farklı mantıklarla desteklemiştir.

Kaynakça

  • Ahmed, E. A. (1990). Islamic banking: Distribution of profit (case study). University of Hull.
  • Aktemur, A. M. (2005). Osmanlı Bankası’nın Tarihçe ve Mimarisi. Güzel Sanatlar Enstitüsü Dergisi, 15, 1–20.
  • A'la Mawdudi, S. A. (2013). First principles of Islamic economics. Kube Pub- lishing Ltd.
  • Asutay, M. (2013). The development of Islamic banking in Turkey: Regula- tion, performance and political economy. In Islamic finance in Europe (pp. 213–227). Edward Elgar Publishing.
  • Aysan, A. F., Disli, M., & Ozturk, H. (2018). Bank lending channel in a dual banking system: Why are Islamic banks so responsive? World Econ- omy, 41(3), 674–698. [CrossRef]
  • Baldwin, D. (2012). Turkey: Islamic banking in a secularist context. In Islamic financial markets (pp. 33–58). Routledge.
  • Banking Regulation and Supervision Agency of Turkey (2022). Banking sector data. https://www.bddk.org.tr/BultenAylik/en
  • Canbaz, M. (2016). Katılım bankacılığı. Beta Yayınları.
  • Çizarça, M. (1995). Cash waqfs of Bursa, 1555–1823. Journal of the Eco- nomic and Social History of the Orient, 38(3), 313–354. [CrossRef]
  • Dawood, N. J. (1990). The Koran: With a parallel Arabic text. Penguin.
  • Durmuş, G. (2021). “What Is Your Difference?” A look from inside to Islamic banking in Turkey. University of Leicester.
  • Kuran, T. (2018). Islam and economic performance: Historical and con- temporary links. Journal of Economic Literature, 56(4), 1292–1359. [CrossRef]
  • London Stock Exchange (2022). Sukuk. https://www.londonstockexchang e.com/raise-finance/debt/our-products/sukuk
  • Malik, M. S., Malik, A., & Mustafa, W. (2011). Controversies that make Islamic banking controversial: An analysis of issues and challenges. American Journal of Social and Management Sciences, 2(1), 41–46. [CrossRef]
  • Mandaville, J. E. (1979). Usurious piety: The cash waqf controversy in the Ottoman Empire. International Journal of Middle East Studies, 10(3), 289–308. [CrossRef]
  • Mayer, A. E. (1985). Islamic banking and credit policies in the Sadat era: The social origins of Islamic banking in Egypt. Arab Law Quarterly, 1(1), 32–50. [CrossRef]
  • Nasser, S. A. S. A., & Muhammed, D. D. J. (2013). ‘Introduction to history of Islamic banking in Malaysia’, Humanomics; Patrington, 29(2), 80–87. [CrossRef]
  • Noorzoy, M. S. (1982). Islamic laws on Riba (interest) and their economic implications. International Journal of Middle East Studies, 14(1), 3–17. [CrossRef]
  • Pamuk, Ş. (2004). Institutional change and the longevity of the Ottoman Empire, 1500–1800. Journal of Interdisciplinary History, 35(2), 225–247. [CrossRef]
  • Participation Banks Association of Turkey (2021). Faaliyet Raporu. https://tkbb.org.tr/Documents/Yonetmelikler/00_2020_2021_Faaliyet_ Raporu.pdf
  • Participation Banks Association of Turkey (2022a). Banka Mukayese Raporu. https://tkbb.org.tr/veri/bankamukayese
  • Participation Banks Association of Turkey (2022b). Strategy Update Report. https://tkbb.org.tr/Documents/Yonetmelikler/EY_TKBB_Rap or_TR_v16_WEB_2021-2025.pdf
  • Presidency of the Republic of Türkiye Finance Office. (2022). https://ww w.cbfo.gov.tr/en/participation-finance
  • Sakarya Chamber of Commerce and Industry (2023). Adapazarı’nda Ticaret ve Adapazarı İslam Ticaret Bankası. http://satso.org.tr/bilgiicerik/417/adapazarinda-ticaret-ve-adapazari-islam-ticaret-bankas i.aspx
  • Saunders, M., Lewis, P., & Thornhill, A. (2012a). Research Methods for Busi- ness Students. Pearson Education.
  • Saunders, M., Lewis, P., & Thornhill, A. (2012b). Research Methods For Busi- ness Students. Essex: Prentice Hall, Financial Times.
  • Turkish Commercial Bank. (2023). History of the Bank. https://www.tur kticaretbankasi.com.tr/Icerik/hakkimizda Wagner-Tsukamoto, S. (2008). Contrasting the behavioural business eth- ics approach and the institutional economic approach to business ethics: Insights from the study of Quaker employers: Philosophical foundations/economics & business ethics. Journal of Business Eth- ics, 82(4), 835–850. [CrossRef]
  • Ziraat Bank (2022). Faaliyet Raporu. https://www.ziraatbank.com.tr/tr/ya tirimci-iliskileri-ZB/finansal-bilgiler/Documents/FaaliyetRaporu2 017.pdf
Toplam 28 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular İş Sistemleri (Diğer)
Bölüm Araştırma Makaleleri
Yazarlar

Gökmen Durmuş 0000-0001-5809-8459

Erken Görünüm Tarihi 19 Eylül 2023
Yayımlanma Tarihi 15 Ekim 2023
Yayımlandığı Sayı Yıl 2023 Cilt: 37 Sayı: 4

Kaynak Göster

APA Durmuş, G. (2023). Future Projection of Islamic Banking in Turkey: Dream or Utopia?. Trends in Business and Economics, 37(4), 281-291.

Content of this journal is licensed under a Creative Commons Attribution 4.0 International License

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