REASONS FOR NOT PREFERENCE OF PARTICIPATION BANKS IN TERMS OF CREDIT USERS: AN APPLICATION ON ATATüRK UNIVERSITY ACADEMICIANS

The aim of this study is to investigate the reasons why customers applying to banks to meet their funding needs do not choose participation banks. The academicians working at Ataturk University were selected as the sample of this research. The data obtained with survey were analyzed by using Chi-square and frequency analysis. As a result of the findings, it was tried to examine the relationship among the variables of banking costs, trust and perception of customers' participation in banking. This study will contribute to the literature on why customers using credits do not prefer participation banks. High costs, direct credit unavailability, insufficient product variety, branches and ATMs are the reasons why Islamic banks are not preferred