Katılım Finansta fon kullandırma yöntemleri: Performanslarına göre değerlendirme
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Tarih
2023
Yazarlar
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Yayıncı
Aksaray Üniversitesi Sosyal Bilimler Enstitüsü
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Küresel sistemin ekonomik olarak buhrana girilmesiyle birlikte yeni arayışlar ve yeni söylemler gündeme gelmektedir. Böyle bir havada gelişimini tamamlamış ve krizlerden olumlu etkilenmiş katılım finansa olan ilgi artmıştır. Bu çalışmada katılım finansın ilk çıkışından başlanarak gelişim süreci hakkında bilgiler verilmiş ve bu ilginin nedenine değinilmiştir. Türkiye'deki katılım finans üzerine çalışan kurumlar hakkında bilgi verilmiş ve katılım finans kuruluşlarının kullandırdıkları fonlar ayrıntılı biçimde açıklanmıştır. Ardından çalışmanın uygulama kısmında Türkiye'de aktif olarak faaliyetlerini sürdüren altı katılım finans kurumunun fon kullandırma performansları kıyaslanmıştır. Bu kıyaslamayı yapabilmek için çok kriterli karar verme tekniklerinden olan LOPCOW ve MAUT yöntemleri kullanılmıştır. LOPCOW yöntemi sonucunda; fon kullandırma tekniklerinden en önemlisi krediler başlığı altında yer alan murabaha, müsaveme, selem, teverruk ve istisna yöntemleri olarak saptanmıştır. Son olarak ise katılım finans kurumların fon kullandırma performansları MAUT yöntemiyle ölçülmüş olup, bu ölçüm sonucunda belirlenen 2013-2022 yılları arası 10 yıllık zaman dilimi için performansı en yüksek finans kurumu, Kuveyt Türk olarak tespit edilmiştir.
With the economic crisis in the global system, new searches and new discourses come to the fore. In such an atmosphere, the interest in participation finance, which has completed its development and has been positively affected by the crises, has increased. In this study, starting from the first emergence of participation finance, information about the development process is given and the reason for this interest is mentioned. Information was given about the institutions working on participation finance in Turkey and the funds provided by the participation finance institutions were explained in detail. Then, in the application part of the study, the fund allocation performances of six participation banks actively operating in Turkey were compared. In order to make this comparison, LOPCOW and MAUT methods, which are multi-criteria decision making techniques, were used. As a result of the LOPCOW method, the most important of the fund allocation techniques were determined as murabaha, musaveme, salam, tawarruk and exception methods under the heading of loans. Finally, the fund allocation performances of participation banks were measured by the MAUT method, and the bank with the highest performance for the 10-year period between 2013-2022 determined as a result of this measurement was determined as the Kuveyt Türk bank.
With the economic crisis in the global system, new searches and new discourses come to the fore. In such an atmosphere, the interest in participation finance, which has completed its development and has been positively affected by the crises, has increased. In this study, starting from the first emergence of participation finance, information about the development process is given and the reason for this interest is mentioned. Information was given about the institutions working on participation finance in Turkey and the funds provided by the participation finance institutions were explained in detail. Then, in the application part of the study, the fund allocation performances of six participation banks actively operating in Turkey were compared. In order to make this comparison, LOPCOW and MAUT methods, which are multi-criteria decision making techniques, were used. As a result of the LOPCOW method, the most important of the fund allocation techniques were determined as murabaha, musaveme, salam, tawarruk and exception methods under the heading of loans. Finally, the fund allocation performances of participation banks were measured by the MAUT method, and the bank with the highest performance for the 10-year period between 2013-2022 determined as a result of this measurement was determined as the Kuveyt Türk bank.
Açıklama
Anahtar Kelimeler
Katılım Finans, Fon Kullandırma Yöntemleri, LOPCOW ve MAUT, Participation Finance, Funding Methods, LOPCOW and MAUT Methods
