Öz
Geçmişten bugüne bankacılık faaliyetlerindeki değişiklikler, ekonomik, sosyolojik, dini gibi sebeplere dayanmaktadır. Finansal piyasalar içinde yer alan bankacılık sektörü toplumun ihtiyaçlarına en iyi şekilde hizmet etmek için çabalamaktadır. Müslüman kesimi de bu piyasa içine dahil edebilmek için İslami bankacılık hizmetleri sunan bankalar bulunmaktadır. İslami bankacılık sistemi özellikle yaşanan küresel krizlerin ardından gösterdiği finansal performansla dikkatleri üzerine çekmeyi başarmıştır. İslami bankacılık faaliyetleri Müslüman nüfusunun yoğun olduğu yerlerde yoğunlaşmaktadır. Ancak son dönemlerde Müslüman nüfusunun az olduğu yerlerde de ilgi çekmeye başlamıştır. Çalışmada seçili ülkelerin islami bankacılık alanındaki performansları ve bu performansların ilgili ülkedeki Müslüman nüfusu ile ilişkisi incelenmiştir. Çalışmada seçili ülkelerin İslami bankacılık alanındaki finansal performansları incelenmiştir. Seçili ülkelerde faaliyet gösteren İslami bankaların finansal performansları altı kriter çerçevesinde değerlendirilmiştir. Bu kriterler, sermaye yeterliliği, takipteki alacaklar, öz sermaye karlılığı, aktif karlılığı, sermaye varlığı ve likit varlıklardır. Analiz için Çok Kriterli Karar Verme Yöntemi kullanılmıştır. ÇKKV yöntemlerinden SD ve WEDBA yöntemi tercih edilmiştir. Kriterlere SD yöntemi kullanılarak önem ağırlıkları atanmıştır. Hesaplanan kriter ağırlıkları WEDBA yöntemine atanarak ülkelerin performansları sıralanmıştır. Elde edilen bulgulara bakıldığında en iyi performans gösteren ülkeler başında Irak, Sudan ve Mısır gelmiştir. Ülkelerin islami bankacılık finansal performansı ile Müslüman nüfus yoğunluğu arasında pozitif ve aynı yönlü orta derecede doğrusal bir ilişki tespit edilmiştir.
Anahtar Kelimeler
İslami Bankacılık Etnik Köken Performans WEDBA Çok Kriterli Karar Verme
Kaynakça
- Abdullah, A. A., Sidek, R., & Adnan, A. A. (2012). Perception of non-muslims customers towards islamic banks in Malaysia. International Journal of Business and Social Science, 3(11), 151-163.
- Akbulut, O. Y., & Şenol, Z. (2021). Bütünleşik SD ve PROMETHEE ÇKKV yöntemleri ile portföy optimizasyonu: bist gıda, içecek ve tütün sektöründe ampirik bir uygulama. Muhasebe ve Finansman Dergisi, (92),161-182. Doi:10.25095/mufad.935545.
- Amuda, Y.J., & Al-Nasser, S.A. (2024). Exploring encounters and prodigies of islamic banks in non-muslim states: towards enhancing regulatory frameworks of islamic banking system. International Journal of Law and Management, https://doi.org/10.1108/IJLMA-11-2023-0250.
- Bley, J., & Kuehn, K. (2004). Conventional versus islamic finance: student knowledge and perception in the United Arab Emirates. International Journal of Islamic Financial Services, 5(4).
- Çanakcı, M., & Tunalı, H. (2018). İslami bankacılık sektöründe likidite riski unsurlarını belirleyen esaslar. Akademik Araştırmalar ve Çalışmalar Dergisi (AKAD), 10(18), 90-119. Doi: 10.20990/kilisiibfakademik.428617.
- Demir, G., (2021). Vakıf üniversitelerinde akademik performans analizi: CRITIC-WEDBA bütünleşik model uygulaması. Uluslararası İktisadi ve İdari Akademik Araştırmalar Dergisi, 1(1), 39-50.
- Diakoulaki, D., Mavrotas, G., & Papayannakis, L. (1995). Determining objective weights in multiple criteria problems: the critic method. Computers & Operations Research, 22(7), 763-770.
- Farooq, M., Al-Jabri, Q., Khan, M. T., Humayon, A. A., & Ullah, S. (2025). The relationship between corporate governance and financial performance in the islamic and conventional banking industries: a Malaysian evidence. Journal of Islamic Accounting and Business Research, 16(2), 411-443.
- Haron, S., Ahmad, N., & Planisek, S. L. (1994). Bank patronage factors of muslim and non-muslim customers. International Journal of Bank Marketing, 12(1), 22-40.
- Jahan, A., Mustapha, F., Sapuan, S. M, Ismail, Md. Y., & Bahraminasab, M. (2012). A Framework for weighting of criteria in ranking stage of material selection process. The International Journal of Advanced Manufacturing Technology, 58(1-4), 411-420.
- Jain, V., & Ajmera, P. (2019). Application of MADM methods as MOORA and WEDBA for ranking of FMS flexibility. International Journal of Data and Network Science, 3(2), 119-136.
- Kader, R. A., Zakaria, R. H., Razali, N., & Abdullah, N. (2014). Why this bank? Understanding customers’ preference for an islamic bank in a competitive market. https://ibtra.com/pdf/journal/v10_n2_article8.pdf
- Loo, M. (2010). Attitudes and perceptions towards islamic banking among muslims and non-muslims in malaysia: implications for marketing to baby boomers and x-generation. International Journal of Arts and Sciences, 3(13), 453-485.
- Lipka, M. (2017). Muslims and Islam: Key Findings In the U.S. and Around the World. https://www.pewresearch.org/fact-tank/2017/08/09/muslims-and-islam-key-findings-in-the-u-s-and-around-the-world/
- Pew Research Center. (n.d). https://www.pewresearch.org/religion/2014/04/04/religious-diversity-index-scores-by-country/ , (Accessed July 15, 2023).
- Pratiwi, İ.E., & Affandy, F. (2020). Knowledge and perception of muslim and non-muslim customers towards islamic banking. International Journal of Islamic Economics and Finance Studies, 6(3), 336-356.
- Safdar, R., Fatima, A., & Sajid, M. (2024). Efficiency, liquidity risk and asset quality: a comparative analysis of islamic and conventional banks in Pakistan. Journal of Islamic Accounting and Business Research, https://doi.org/10.1108/JIABR-03-2023-0079
- Suandi, E., Wahyudi, H., Yoda, T. C., & Reswita, Y. (2025). The influence of islamic corporate social responsibility implementation and marketing on islamic bank performance moderated by community religious commitment. Journal of Islamic Marketing, 16(4), 1209-1228.
- Shufaa, M. A., & Mehboob, S. (2024). Comparative financial performance of islamic and conventional banks in a non-muslim country. Journal of Islamic Finance, 13(1), 1-12.
- TKBB, (n.d). 2021-2025 Katılım Bankacılığı Strateji Güncelleme Raporu. https://tkbb.org.tr/upload/TU%CC%88RKI%CC%87YE%20KATILIM%20BANKACILIG%CC%86I%20STRATEJI%CC%87%20GU%CC%88NCELLEME%20RAPORU%202021-2025.pdf , (Accessed April 11, 2023).
- TKBB, (2023). Katılım Bankaları 2023 Faaliyet Raporu. https://tkbb.org.tr/faaliyetler/yayinlar/yillik-sektor-raporlari
- Toraman, C., Ata, H. A., & Buğan, M. F. (2015). İslami bankacılık faaliyetlerine yönelik müşteri algısı üzerine bir araştırma. Gaziantep Üniversitesi Sosyal Bilimler Dergisi, 14(4), 761-779. https://doi.org/10.21547/jss.256749
Öz
Changes in banking activities from past to present are based on economic, sociological and religious reasons. To include the Muslim population in this market, there are banks that offer Islamic banking services. The Islamic banking system has managed to attract attention, especially after the global financial crises, due to its financial performance. Islamic banking activities are concentrated in regions with a dense Muslim population. However, in recent years, it has also started to gain attention in areas with a smaller Muslim population. This study examines the performance of selected countries in the field of Islamic banking and its relationship with the Muslim population in the respective countries. In the study, the financial performances of selected countries in the field of Islamic banking were examined. The financial performance of Islamic banks operating in selected countries was evaluated with six criteria. The criteria are capital adequacy, non-performing loans, return on equity, return on assets, capital assets and liquid assets. Multi-Criteria Decision Making Method was used for analysis. SD and WEDBA methods were preferred among MCDM methods. The weights of the criteria were calculated by the SD method. Calculated criterion weights are included in the WEDBA method. The performances of the countries are listed. Considering the findings, Iraq, Sudan and Egypt were among the top performing countries. The relationship between the Islamic banking financial performance of the countries and the Muslim population density was found to be positive, in the same direction and moderately linear.
Anahtar Kelimeler
Islamic Banking Ethnicity Performance WEDBA Multi-Criteria Decision Making
Kaynakça
- Abdullah, A. A., Sidek, R., & Adnan, A. A. (2012). Perception of non-muslims customers towards islamic banks in Malaysia. International Journal of Business and Social Science, 3(11), 151-163.
- Akbulut, O. Y., & Şenol, Z. (2021). Bütünleşik SD ve PROMETHEE ÇKKV yöntemleri ile portföy optimizasyonu: bist gıda, içecek ve tütün sektöründe ampirik bir uygulama. Muhasebe ve Finansman Dergisi, (92),161-182. Doi:10.25095/mufad.935545.
- Amuda, Y.J., & Al-Nasser, S.A. (2024). Exploring encounters and prodigies of islamic banks in non-muslim states: towards enhancing regulatory frameworks of islamic banking system. International Journal of Law and Management, https://doi.org/10.1108/IJLMA-11-2023-0250.
- Bley, J., & Kuehn, K. (2004). Conventional versus islamic finance: student knowledge and perception in the United Arab Emirates. International Journal of Islamic Financial Services, 5(4).
- Çanakcı, M., & Tunalı, H. (2018). İslami bankacılık sektöründe likidite riski unsurlarını belirleyen esaslar. Akademik Araştırmalar ve Çalışmalar Dergisi (AKAD), 10(18), 90-119. Doi: 10.20990/kilisiibfakademik.428617.
- Demir, G., (2021). Vakıf üniversitelerinde akademik performans analizi: CRITIC-WEDBA bütünleşik model uygulaması. Uluslararası İktisadi ve İdari Akademik Araştırmalar Dergisi, 1(1), 39-50.
- Diakoulaki, D., Mavrotas, G., & Papayannakis, L. (1995). Determining objective weights in multiple criteria problems: the critic method. Computers & Operations Research, 22(7), 763-770.
- Farooq, M., Al-Jabri, Q., Khan, M. T., Humayon, A. A., & Ullah, S. (2025). The relationship between corporate governance and financial performance in the islamic and conventional banking industries: a Malaysian evidence. Journal of Islamic Accounting and Business Research, 16(2), 411-443.
- Haron, S., Ahmad, N., & Planisek, S. L. (1994). Bank patronage factors of muslim and non-muslim customers. International Journal of Bank Marketing, 12(1), 22-40.
- Jahan, A., Mustapha, F., Sapuan, S. M, Ismail, Md. Y., & Bahraminasab, M. (2012). A Framework for weighting of criteria in ranking stage of material selection process. The International Journal of Advanced Manufacturing Technology, 58(1-4), 411-420.
- Jain, V., & Ajmera, P. (2019). Application of MADM methods as MOORA and WEDBA for ranking of FMS flexibility. International Journal of Data and Network Science, 3(2), 119-136.
- Kader, R. A., Zakaria, R. H., Razali, N., & Abdullah, N. (2014). Why this bank? Understanding customers’ preference for an islamic bank in a competitive market. https://ibtra.com/pdf/journal/v10_n2_article8.pdf
- Loo, M. (2010). Attitudes and perceptions towards islamic banking among muslims and non-muslims in malaysia: implications for marketing to baby boomers and x-generation. International Journal of Arts and Sciences, 3(13), 453-485.
- Lipka, M. (2017). Muslims and Islam: Key Findings In the U.S. and Around the World. https://www.pewresearch.org/fact-tank/2017/08/09/muslims-and-islam-key-findings-in-the-u-s-and-around-the-world/
- Pew Research Center. (n.d). https://www.pewresearch.org/religion/2014/04/04/religious-diversity-index-scores-by-country/ , (Accessed July 15, 2023).
- Pratiwi, İ.E., & Affandy, F. (2020). Knowledge and perception of muslim and non-muslim customers towards islamic banking. International Journal of Islamic Economics and Finance Studies, 6(3), 336-356.
- Safdar, R., Fatima, A., & Sajid, M. (2024). Efficiency, liquidity risk and asset quality: a comparative analysis of islamic and conventional banks in Pakistan. Journal of Islamic Accounting and Business Research, https://doi.org/10.1108/JIABR-03-2023-0079
- Suandi, E., Wahyudi, H., Yoda, T. C., & Reswita, Y. (2025). The influence of islamic corporate social responsibility implementation and marketing on islamic bank performance moderated by community religious commitment. Journal of Islamic Marketing, 16(4), 1209-1228.
- Shufaa, M. A., & Mehboob, S. (2024). Comparative financial performance of islamic and conventional banks in a non-muslim country. Journal of Islamic Finance, 13(1), 1-12.
- TKBB, (n.d). 2021-2025 Katılım Bankacılığı Strateji Güncelleme Raporu. https://tkbb.org.tr/upload/TU%CC%88RKI%CC%87YE%20KATILIM%20BANKACILIG%CC%86I%20STRATEJI%CC%87%20GU%CC%88NCELLEME%20RAPORU%202021-2025.pdf , (Accessed April 11, 2023).
- TKBB, (2023). Katılım Bankaları 2023 Faaliyet Raporu. https://tkbb.org.tr/faaliyetler/yayinlar/yillik-sektor-raporlari
- Toraman, C., Ata, H. A., & Buğan, M. F. (2015). İslami bankacılık faaliyetlerine yönelik müşteri algısı üzerine bir araştırma. Gaziantep Üniversitesi Sosyal Bilimler Dergisi, 14(4), 761-779. https://doi.org/10.21547/jss.256749
Ayrıntılar
| Birincil Dil | İngilizce |
|---|---|
| Konular | Ekonometrik ve İstatistiksel Yöntemler |
| Bölüm | Makaleler |
| Yazarlar | |
| Yayımlanma Tarihi | 30 Mayıs 2025 |
| Gönderilme Tarihi | 22 Ocak 2025 |
| Kabul Tarihi | 10 Nisan 2025 |
| Yayımlandığı Sayı | Yıl 2025 Cilt: 9 Sayı: 2 |