Özet:

The classical economic approach and its politics built upon the conjecture of rationality gave different results to the world realities, which led to the emergence of new studies containing expectations over time. Models that include expectations are moving from the point of being an emotional being. For this reason, they express that economic and psychological fields should be taken together and that the behavior of economic units can only be evaluated in such a meaningful way. From this point of view, the relationship between confidence-expectations and funds and credits have been questioned in both Islamic and conventional banks. General economic situation expectation, inflation expectation and household saving expectation have taken as expectations indexes. All data collected from Turkstat and CBRT. Zivot-Andrews (1992) and Lee-Strazicich (2003) structural break test analysis were conducted to the series which covers January 2012-August 2017. Subsequently, the causality relationship between the series was questioned by the asymmetric causality test developed by Hatemi-J and E. Roca (2014). The obtained findings; structural break dates of banks are different and it indicates that bank customers have different sensitivities and patterns. Moreover, it is noteworthy that the series of participation banks have more delayed structural breaks than the other ones. When the causality relations are examined, it is found that participation banks have more meaningful causal relationships. In addition, it has been found that there is a relationship between expectation and credit, but that there is no meaningful relationship between expectation and fund amount. Keywords: Consumer Confidence, Expectations, Participation Banks Funds and Loans

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