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Katılım Bankaları ve İslami Mikrofinans: Türkiye’deki Mevcut Durum ve Öneriler

Year 2019, Volume: 13 Issue: 2, 121 - 160, 01.12.2019

Abstract

Düşük gelir grubundaki kişiler fiziki teminat eksikliği, kredi geçmişlerinin bulunmaması, operasyonel açıdan maliyetli olmaları gibi nedenlerle İslami bankaların finansman faaliyetlerinin dışında bırakılmaktadır. Bu kişilerin de çeşitli sözleşme türleri karz-ı hasen, müşâreke vb. ile ihtiyaç duydukları sermayeye ulaşmalarını sağlayan İslami mikrofinans son yıllarda Bangladeş, Pakistan, Endonezya gibi ülkelerde farklı kuruluş yapıları ile yaygınlaşmaya başlamıştır. Bu kuruluşların gösterdikleri başarılar bazı İslami bankaların da mikrofinans sektörüne yönelmesini sağlamıştır. Bu çalışmada, Türkiye’deki katılım bankalarının mikrofinans ile ilişkisi dünyadaki uygulamalar ve mevcut literatür çerçevesinde ele alınmış ve katılım bankalarının hem finansal hizmetler konusundaki uzmanlığı ve sahip olduğu altyapı hem de dayandığı değerler açısından İslami mikrofinans hizmeti sunması gerektiği ortaya konulmuştur. Bu alana katılım bankalarının yönelmesinin ayrıca İslami finansın toplumun genelinde yaygınlaşmasına katkı sunacağı belirtilmiştir

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Participation Banks and Islamic Microfinance: Current State in Turkey and Recommendations

Year 2019, Volume: 13 Issue: 2, 121 - 160, 01.12.2019

Abstract

Participation Banks and Islamic Microfinance: Current State in Turkey and RecommendationsLow-income people have been excluded from the financing activities of Islamic banks because they seem high risky due to their lack of physical collateral and credit history, and operational cost. However, Islamic microfinance, which enables these people to reach the capital that they need through various Islamic contract types qard al-hassan, musharakah, etc. , has become widespread in different countries such as Bangladesh, Pakistan and Indonesia in recent years. The success of these institutions has led some Islamic banks to tap into the microfinance sector. In this study, the relationship between microfinance and Participation Islamic Banks in Turkey were discussed by examining Islamic microfinance practices in worldwide applications and the available academic literature, and the study reveals that Participation Banks can offer Islamic microfinance services effectively by considering their comprehensive financial infrastructure and the Islamic values that they are based on. Also, Participation Banks can contribute to the spread of Islamic finance throughout the different strata of the society by implementing Islamic microfinance in their operations

References

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  • Abedifar, P., Ebrahim, S. M., Molyneux, P. ve Tarazi, A. (2015). Islamic Ban- king and Finance: Recent Empirical Literature and Directions for Future Rese- arch. Journal of Economic Surveys, 29(4), 637–670. doi:10.1111/joes.12113
  • Abunnaja, M. (2016). Microfinance: A New Reach for Islamic Banks in Tur- key. European Journal of Business and Management, 8(14), 104–116.
  • Ahmad, K. (2004). The Challenge of Global Capitalism: An Islamic Perspec- tive. Policy Perspectives, 1(1), 1–29. http://www.jstor.org/stable/42909126 adresinden erişildi.
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  • Ahmed, H. (2013). Financial Inclusion and Islamic Finance: Organizational Formats, Products, Outreach, and Sustainability. Z. Iqbal ve A. Mirakhor (Ed.), Economic Development and Islamic Finance içinde (ss. 203–229). Washing- ton, D.C.: The World Bank.
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  • Arshad, R., Othman, S. ve Othman, R. (2012). Islamic Corporate Social Res- ponsibility, Corporate Reputation and Performance. International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Enginee- ring, 6(4), 643–647.
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  • Asutay, M. (2007b). Conceptualization of the Second Best Solution in Over- coming the Social Failure of Islamic Banking and Finance: Examining the Overpowering of HomoIslamicus by Homoeconomicus. IIUM Journal of Eco- nomics and Management, 15(2), 167–195.
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  • Asutay, M., Aysan, A. F. ve Karahan, C. C. (2013). Reflecting on the Tra- jectory of Islamic Finance: From Mit Ghamr to the Globalisation of Islamic Finance. Afro Eurasian Studies, 2(1–2), 5–14.
  • Bahçe, A. B. ve Gümüş, Ö. (2016). Kamu Maliyesi Açısından İslamiyet’te Yok- sulluğun Görünümü ve İslami Mikrofinansın Kullanılabilirliği. Sosyal ve Beşeri Bilimler Dergisi, 8(1), 1–18.
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  • Belal, A. R., Abdelsalam, O. ve Nizamee, S. S. (2015). Ethical Reporting in Isla- mi Bank Bangladesh Limited (1983–2010). Journal of Business Ethics, 129(4), 769–784. doi:10.1007/s10551-014-2133-8
  • Bichta, C. (2003). Corporate Social Responsibility a Role in Government Policy and Regulation? The University of Bath.
  • Çak, D. (2007). Kalkınmanın Finansmanının Sağlanmasında Mikrokredi Yön- temi. İstanbul Üniversitesi.
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  • Dusuki, A. W. (2008). Banking for the Poor: The Role of Islamic Banking in Microfinance Initiatives. Humanomics, 24(1), 49–66. doi:10.1108/08288660810851469
  • El-Gamal, M. A. (2006). Islamic Finance: Law, Economics and Practise. Camb- ridge: Cambridge University Press. http://www.kantakji.com/media/8198/ fg4.pdf adresinden erişildi.
  • Farooq, M. O. (2009). The Challenge of Poverty and Mapping out Solutions: Requisite Paradigm Shift from a Problem-Solving and Islamic Perspective. Jo- urnal of Islamic Economics, Banking and Finance, 5(2), 45–76.
  • Feroz, E. H. ve Goud, B. (2009). Grameen La Riba Model: A Strategy for Glo- bal Poverty Alleviation. Journal of Islamic Economics, Banking and Finance, 5(2), 77–100.
  • Ferro, N. (2005). Value Through Diversity: Microfinance and Islamic Finance and Global Banking (No: 87). Milano.
  • Friedman, M. (1967). Capitalism and Freedom. Chicago: The University of Chicago Press.
  • Goodwin-Groen, R. (1998). The Role of Commercial Banks in Microfinan- ce Asia-Pacific Region. Avustralya. http://fdc.org.au/wp-content/uplo- ads/2015/04/The-Role-of-Commercial-Banks-in-Microfinance.pdf adresinden erişildi.
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  • Haniffa, R. ve Hudaib, M. (2007). Exploring the Ethical Identity of Islamic Banks via Communication in Annual Reports. Journal of Business Ethics, 76, 97–116. doi:10.1007/s10551-006-9272-5
  • Hermes, N., Lensink, R. ve Meesters, A. (2011). Outreach and Efficiency of Mic- rofinance Institutions. World Development, 39(6), 938–948. doi:10.1016/j. worlddev.2009.10.018
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There are 83 citations in total.

Details

Primary Language Turkish
Journal Section Research Article
Authors

Mücahit Özdemir

Publication Date December 1, 2019
Published in Issue Year 2019 Volume: 13 Issue: 2

Cite

APA Özdemir, M. (2019). Katılım Bankaları ve İslami Mikrofinans: Türkiye’deki Mevcut Durum ve Öneriler. BDDK Bankacılık Ve Finansal Piyasalar Dergisi, 13(2), 121-160.