Özet:

As known, banks play an important role in the development of a country by providing resources to the real sector. The development of countries is realized by offering the deposits collected by the banking sector to the economic units as loans. Especially by providing the resource needs of SME scale companies, the production of innovative products with added value is provided in the country, and the increase in national income is ensured with the increase in employment. In order to ensure their economic growth, countries can help to provide funds with different bank groups in the banking sector in order to encourage companies that have insufficient resources and high development potential to produce. In addition, with the entry of new banks into the banking sector, competition in providing financing to companies can be increased, and thus, it is possible to decrease the cost of credit and the opportunity for companies to obtain loans. In this context, participation banks, which operate according to the principles of interest-free banking, provide alternatives to companies in providing loans and create an option for interest sensitivity. Participation banks established by Turkish public banks recently entered the sector, and it is expected to be an important source of motivation for the development and growth of the participation banking sector. Depending on the scale, the level of benefiting from the banking transactions of the companies will differ. In addition, the experience and expertise of the owners and managers about banking, as well as the desire to make interest-free transactions, may differentiate the bank preference. Both deposit banks and participation banks try to attract the attention of potential customers with the banking products and services they provide and compete with each other. In the study, it is aimed to determine which bank the companies operating in Karabuk prefer for their banking transactions and which factors they consider when choosing. For this purpose, qualitative research method was preferred in the research. It can be said that the importance of the qualitative research method is that it provides the opportunity to reach more in-depth data compared to the quantitative methods. In this context, answers were sought for the purpose of the research with questions from general to specific in order to determine the factors affecting the bank preference or choice of companies operating in different sectors. Thus, it is expected to reveal guiding results in determining the factors affecting the bank preference or choice of companies.

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