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Journals / Finans Ekonomi ve Sosyal Araştırmalar Dergisi / 2026 / Cilt: 11 Sayı: 3

THE IMPACT OF PERCEPTIONS OF ISLAMIC FAITH ON THE PREFERENCE FOR ISLAMIC BANKING: THE MEDIATING ROLE OF ISLAMIC FINANCIAL LITERACY (BİTLİS-TATVAN CASE)

İSLAMİ İNANÇ ALGISININ İSLAMİ BANKACILIK TERCİHİNE ETKİSİ: İSLAMİ FİNANSAL OKURYAZARLIĞIN ARACILIK ROLÜ (BİTLİS-TATVAN ÖRNEĞİ)

Ferhat Sayınta(BİTLİS EREN ÜNİVERSİTESİ)0009-0007-0859-1588
Metin Işık(BİTLİS EREN ÜNİVERSİTESİ)0000-0003-4577-0095
Pages
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Publication Date
2026-08-05
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

Furthermore, it has been determined that Islamic financial literacy plays a full mediating role in the relationship between belief perception and bank preference.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:In today’s increasingly complex global financial system, Islamic finance is gaining importance as a unique alternative built on fundamental principles such as the prohibition of interest, risk sharing, and asset-based financing.
📊
Key Findings & Data:The obtained data were analyzed using SPSS PROCESS Macro (Model 4).
💡
Conclusion & Impact:Furthermore, it has been determined that Islamic financial literacy plays a full mediating role in the relationship between belief perception and bank preference.
🔬Design:Survey & Empirical Study
📍Scope:Comprehensive Sample
⚙️Variables:İslami İnanç Algısı · Katılım Bankacılığı · İslami Finansal Okuryazarlık

Abstract

In today’s increasingly complex global financial system, Islamic finance is gaining importance as a unique alternative built on fundamental principles such as the prohibition of interest, risk sharing, and asset-based financing. This study aims to examine the effect of Islamic belief perception on Islamic financial literacy, the effect of Islamic financial literacy on Islamic participation banking preference, and the mediating role of Islamic financial literacy between these two variables. Within the scope of the research, data were collected through a survey method from participation bank customers in the Tatvan district of Bitlis province. The obtained data were analyzed using SPSS PROCESS Macro (Model 4). The findings show that Islamic belief perception positively affects Islamic financial literacy, and Islamic financial literacy positively affects participation banking preference. Furthermore, it has been determined that Islamic financial literacy plays a full mediating role in the relationship between belief perception and bank preference.

Özet

Küresel finansal sistemin giderek daha karmaşık bir yapı kazandığı günümüzde, İslami finans; faiz yasağı, risk paylaşımı ve varlık temelli finansman gibi temel ilkeler üzerine inşa edilmiş özgün bir alternatif olarak önem kazanmaktadır. Bu çalışma; İslami inanç algısının İslami finansal okuryazarlık üzerindeki etkisini, İslami finansal okuryazarlığın İslami katılım bankacılığı tercihi üzerindeki etkisini ve İslami finansal okuryazarlığın bu iki değişken arasındaki aracılık rolünü incelemeyi amaçlamaktadır. Araştırma kapsamında Bitlis ilinin Tatvan ilçesindeki katılım bankası müşterilerinden anket yöntemiyle veriler toplanmıştır. Elde edilen veriler SPSS PROCESS Makro (Model 4) kullanılarak analiz edilmiştir. Bulgular, İslami inanç algısının İslami finansal okuryazarlığı, İslami finansal okuryazarlığın ise katılım bankacılığı tercihini pozitif yönde etkilediğini göstermektedir. Ayrıca, İslami finansal okuryazarlığın, inanç algısı ile banka tercihi arasındaki ilişkide tam aracılık rolü üstlendiği tespit edilmiştir.

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Cite This Article

Sayınta, F., Işık, M. (2026). THE IMPACT OF PERCEPTIONS OF ISLAMIC FAITH ON THE PREFERENCE FOR ISLAMIC BANKING: THE MEDIATING ROLE OF ISLAMIC FINANCIAL LITERACY (BİTLİS-TATVAN CASE). Finans Ekonomi ve Sosyal Araştırmalar Dergisi, Cilt: 11 Sayı: 3. https://doi.org/10.29106/fesa.1941452

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