Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers
This study investigates the structure of financial risk tolerances and risk perceptions of participation and conventional bank customers. Our results show that conventional bank clients have a higher average in both overall risk tolerance and financial risk tolerance. This means that participation b...
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| Format: | Article |
| Language: | English |
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Selcuk University Press
2022-10-01
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| Series: | Sosyal Ekonomik Araştırmalar Dergisi |
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| Online Access: | https://dergipark.org.tr/tr/download/article-file/2617709 |
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| _version_ | 1832544236188205056 |
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| author | Hüseyin Burgazoğlu Salih Ülev Mervan Selçuk |
| author_facet | Hüseyin Burgazoğlu Salih Ülev Mervan Selçuk |
| author_sort | Hüseyin Burgazoğlu |
| collection | DOAJ |
| description | This study investigates the structure of financial risk tolerances and risk perceptions of participation and conventional bank customers. Our results show that conventional bank clients have a higher average in both overall risk tolerance and financial risk tolerance. This means that participation bank clients are more risk-averse. However, the basis of the participation account includes profit-loss sharing, namely, risk sharing. Therefore, participation account holders were expected to be more risk-taking investors. The results show the opposite and support the managers and employees of participation banks who claim that their customer portfolios are not ready to invest in riskier products such as mudaraba and musharakah. |
| format | Article |
| id | doaj-art-eaf127a201b44ce39c695096f657bf24 |
| institution | Kabale University |
| issn | 2148-3043 |
| language | English |
| publishDate | 2022-10-01 |
| publisher | Selcuk University Press |
| record_format | Article |
| series | Sosyal Ekonomik Araştırmalar Dergisi |
| spelling | doaj-art-eaf127a201b44ce39c695096f657bf242025-02-03T10:54:00ZengSelcuk University PressSosyal Ekonomik Araştırmalar Dergisi2148-30432022-10-0122215015810.30976/susead.1167436154Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank CustomersHüseyin Burgazoğlu0Salih Ülev1Mervan Selçuk2SAKARYA ÜNİVERSİTESİSAKARYA ÜNİVERSİTESİSAKARYA ÜNİVERSİTESİThis study investigates the structure of financial risk tolerances and risk perceptions of participation and conventional bank customers. Our results show that conventional bank clients have a higher average in both overall risk tolerance and financial risk tolerance. This means that participation bank clients are more risk-averse. However, the basis of the participation account includes profit-loss sharing, namely, risk sharing. Therefore, participation account holders were expected to be more risk-taking investors. The results show the opposite and support the managers and employees of participation banks who claim that their customer portfolios are not ready to invest in riskier products such as mudaraba and musharakah.https://dergipark.org.tr/tr/download/article-file/2617709participation bankconventional bankrisk toleranceinvestment decisionsturkey.katılım bankasıkonvansiyonel bankarisk toleransıyatırım kararlarıtürkiye. |
| spellingShingle | Hüseyin Burgazoğlu Salih Ülev Mervan Selçuk Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers Sosyal Ekonomik Araştırmalar Dergisi participation bank conventional bank risk tolerance investment decisions turkey. katılım bankası konvansiyonel banka risk toleransı yatırım kararları türkiye. |
| title | Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers |
| title_full | Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers |
| title_fullStr | Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers |
| title_full_unstemmed | Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers |
| title_short | Comparison of Risk Tolerances and Investment Decisions of Participation Bank Customers and Conventional Bank Customers |
| title_sort | comparison of risk tolerances and investment decisions of participation bank customers and conventional bank customers |
| topic | participation bank conventional bank risk tolerance investment decisions turkey. katılım bankası konvansiyonel banka risk toleransı yatırım kararları türkiye. |
| url | https://dergipark.org.tr/tr/download/article-file/2617709 |
| work_keys_str_mv | AT huseyinburgazoglu comparisonofrisktolerancesandinvestmentdecisionsofparticipationbankcustomersandconventionalbankcustomers AT salihulev comparisonofrisktolerancesandinvestmentdecisionsofparticipationbankcustomersandconventionalbankcustomers AT mervanselcuk comparisonofrisktolerancesandinvestmentdecisionsofparticipationbankcustomersandconventionalbankcustomers |