Abstract:

Participation banking is a financial system where goods and services are closely linked to money, where money-related transactions are firmly based on a good or service, and where the earnings are shared in the form of cash and loss partnerships.  This study examined the reasons why customers in Turkey prefer participating banks. In order to determine the reasons why customers prefer participating banks in 23 different provinces, 516 customers from 5 different participating banks have been surveyed. As a result of the work, the 5 factors that influenced the customer’s participation banks were, respectively, “Stimate and helpful staff”, “Human respect and respect”, “Customer service quality”, “My close relations with branch staff”, “Related religious sensitivities”. The five factors that influence the customer’s preference of participating banks are, respectively, defined as: “Advertisements in public communication means”, “Nispeten’s higher profit share distribution”, “Home and workplace proximity”, “Social contributions (connection scholarship, support for social projects, etc.)”, “Comfort, convenient accessibility(car parking facilities, comfort, etc.)”.