Abstract:

Depending on the economic conditions, the financial and banking sectors are also changing. The banking sector, which is aimed at reflecting this change in its services, is also trying to implement new banking activities. This is why the participation banking has emerged in the recent years in the financial markets of Turkey and has increasingly increased its importance. This type of banking, also referred to as "Free-Free Banking", "Islamic Banking", has become a rapidly growing and continuously developing part of the banking system. This banking system, which operates in the banking activities taking into account the Islamic principles, is seen as an important system in ensuring the efficient use of the deposited funds in the economy due to its interest sensitivity. In addition to this, participating banking, which is also very effective in providing foreign resources to our country, contributes greatly to the country’s economy in this direction. Traditional banks carry out all their activities in participation banking involves profit and loss sharing in transactions between the bank and customers. Many individuals in society who are away from interest and with Islamic sensitivity do not deposit their funds in traditional banks. Depending on such reasons, participating banks collect funds using non-profit methods. Therefore, participating banking has gained importance as a banking system that aims to use interest-free methods again to the sections in need of funds. This is a role that supports both individuals and the economy. This study aims to investigate the reasons why participating banks that make a significant contribution to individuals and the economy are preferred/rejected and in this context public employees are included in the research. The data obtained in the study was obtained through the survey study included in quantitative analysis methods and analyzed through the SPSS 22.0 program. Keywords: banking, participating banking, interest, customer

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