{"id":4393,"date":"2025-07-31T07:17:21","date_gmt":"2025-07-31T07:17:21","guid":{"rendered":"https:\/\/journal.ziu-university.net\/?p=4393"},"modified":"2025-07-31T07:18:13","modified_gmt":"2025-07-31T07:18:13","slug":"islami-uygulamalar-acisindan-katilim-bankalari-kuveyt-turk-ornegi","status":"publish","type":"post","link":"https:\/\/journal.ziu-university.net\/islami-uygulamalar-acisindan-katilim-bankalari-kuveyt-turk-ornegi\/","title":{"rendered":"\u0130slami Uygulamalar A\u00e7\u0131s\u0131ndan Kat\u0131l\u0131m Bankalar\u0131\u00a0 &#8221; Kuveyt T\u00fcrk \u00d6rne\u011fi&#8221;"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>\u00d6z:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\">&nbsp;Bu \u00e7al\u0131\u015fma, \u0130slami finans ilkeleri \u00e7er\u00e7evesinde faaliyet g\u00f6steren kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sistemini teorik ve uygulamal\u0131 y\u00f6nleriyle ele almakta; T\u00fcrkiye\u2019deki en k\u00f6kl\u00fc kat\u0131l\u0131m bankalar\u0131ndan biri olan Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131 \u00f6rnek olay olarak incelemektedir. Faizsiz finans modeli, k\u00e2r-zarar ortakl\u0131\u011f\u0131na dayal\u0131 yap\u0131s\u0131, etik yat\u0131r\u0131m anlay\u0131\u015f\u0131 ve reel sekt\u00f6rle olan do\u011frudan ili\u015fkisiyle \u0130slam hukukuna uygun bir alternatif sunmaktad\u0131r. Kuveyt T\u00fcrk\u2019\u00fcn murabaha, ic\u00e2re, mudaraba ve sukuk gibi finansman y\u00f6ntemlerinde AAOIFI (\u0130slami Finans Kurumlar\u0131 i\u00e7in Muhasebe ve Denetim Organizasyonu) standartlar\u0131na g\u00f6sterdi\u011fi ba\u011fl\u0131l\u0131k, kurumun sadece bi\u00e7imsel de\u011fil, i\u00e7eriksel olarak da \u015fer\u2019i uygunluk ta\u015f\u0131d\u0131\u011f\u0131n\u0131 ortaya koymaktad\u0131r. Banka, \u015fer\u2019i dan\u0131\u015fma kurulu ve i\u00e7 denetim mekanizmalar\u0131 ile \u0130slami finans ilkelerine dayal\u0131 operasyonel g\u00fcvenilirli\u011fini peki\u015ftirmektedir. Bu ba\u011flamda, \u00e7al\u0131\u015fman\u0131n temel amac\u0131 kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sisteminin \u0130slam hukukuyla uyumunu ve uygulamadaki kar\u015f\u0131l\u0131\u011f\u0131n\u0131 Kuveyt T\u00fcrk \u00f6rne\u011fi \u00fczerinden analiz etmektir. Elde edilen bulgular, kat\u0131l\u0131m bankalar\u0131n\u0131n hem etik finans anlay\u0131\u015f\u0131na hem de s\u00fcrd\u00fcr\u00fclebilir kalk\u0131nma hedeflerine katk\u0131 sundu\u011funu g\u00f6stermektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\">Ayr\u0131ca sperman ikili korelasyon y\u00f6ntemiyle veri setleri olarak her bir y\u00f6ntemdeki firma s\u0131ralamalar\u0131 al\u0131nm\u0131\u015f ve y\u00f6ntemler ikili olarak kar\u015f\u0131la\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r. Sonu\u00e7 olarak, karar vericiye ba\u011fl\u0131 y\u00f6ntemler (AHP ve DEMATEL) ve veriye ba\u011fl\u0131 y\u00f6ntemler (TOPSIS ve Entropi) genel olarak birbirleriyle y\u00fcksek korelasyonlar g\u00f6stermektedir. Ancak, TOPSIS y\u00f6ntemi, di\u011fer y\u00f6ntemlere g\u00f6re biraz daha farkl\u0131 sonu\u00e7lar \u00fcretebilmektedir. Genel anlamda, y\u00f6ntemlerin \u00e7o\u011fu aras\u0131nda g\u00fc\u00e7l\u00fc pozitif korelasyonlar oldu\u011fu g\u00f6zlemlenmi\u015ftir, bu da y\u00f6ntemlerin genellikle benzer s\u0131ralamalar \u00fcretti\u011fini g\u00f6stermektedir<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>Anahtar Kelimeler: Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131, faizsiz finans, \u0130slami bankac\u0131l\u0131k, Kuveyt T\u00fcrk, AAOIFI, murabaha, \u015fer\u2019i denetim<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\">.<strong>Abstract:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>&nbsp;<\/strong>This study examines the participation banking system, which operates in accordance with Islamic finance principles, both theoretically and in practice. It focuses on <em>Kuveyt T\u00fcrk Participation Bank<\/em>, one of the leading and long-established institutions in Turkey, as a case study. The interest-free financial model offers an alternative that aligns with Islamic law through profit-and-loss sharing, ethical investment practices, and a strong connection with the real economy. Kuveyt T\u00fcrk&#8217;s adherence to AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) standards in instruments such as <em>murabaha<\/em>, <em>ij\u0101rah<\/em>, <em>mudarabah<\/em>, and <em>sukuk<\/em> demonstrates its commitment to not only formal but also substantive Shariah compliance. The bank\u2019s Shariah Supervisory Board and internal audit mechanisms reinforce its operational credibility in the Islamic finance sector. Accordingly, the main objective of this study is to analyze the compliance and practical implementation of Islamic legal principles in participation banking through the example of Kuveyt T\u00fcrk. The findings indicate that participation banks contribute not only to ethical finance but also to broader goals of sustainable development<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>Keywords: Participation banking, interest-free finance, Islamic banking, Kuveyt T\u00fcrk, AAOIFI, murabaha, Shariah governance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>Haz\u0131rlayan: <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>AHMED SALEM ABEID<\/strong><\/td><\/tr><tr><td><strong>\u0623\u062d\u0645\u062f \u0633\u0627\u0644\u0645 \u0627\u0639\u0628\u064a\u062f<\/strong><\/td><\/tr><tr><td>MARMARA \u00dcN\u0130VERS\u0130TES\u0130 \/ SOSYAL B\u0130L\u0130MLER ENST\u0130T\u00dcS\u00dc \/ \u0130SLAM HUKUKU (DR)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n\t\t<div class=\"review_wrap\">\r\n\t\t\t<div id=\"review-box\" class=\"review-box review-bottom review-stars\">\r\n\t\t\t\t<div class=\"review-summary\">\r\n\t\t\t\t\t<div class=\"review-final-score\">\r\n\t\t\t\t\t\t<span title=\"\" class=\"post-large-rate stars-large\"><span style=\"width:0%\"><\/span><\/span>\r\n\t\t\t\t\t\t<h4><\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"review-short-summary\"><a href=\"https:\/\/drive.google.com\/file\/d\/1UBiW4sDxPu4vBjBhvJY5SXjhEleKZtbr\/view?usp=drive_link\" class=\"taq-button taq-medium taq-square taq-flat\" style=\"background-color:#a0ce4e\" target=\"_blank\"><i class=\"fa fa-download\"><\/i><span class=\"button-text\">indirmek<\/span><\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"user-rate-wrap\">\r\n\t\t\t\t<span class=\"user-rating-text\">\r\n\t\t\t\t\t<strong>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646: <\/strong>\r\n\t\t\t\t\t<span class=\"taq-score\"><\/span>\r\n\t\t\t\t\t<small>\u0643\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u0635\u0648\u062a\u0648\u0646 !<\/small>\r\n\t\t\t\t<\/span>\r\n\r\n\t\t\t\t<div data-rate=\"0\" data-id=\"4393\" class=\"user-rate taq-user-rate-active\">\r\n\t\t\t\t\t<span class=\"user-rate-image post-large-rate stars-large\">\r\n\t\t\t\t\t\t<span style=\"width:0%\"><\/span>\r\n\t\t\t\t\t<\/span>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"taq-clear\"><\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00d6z: &nbsp;Bu \u00e7al\u0131\u015fma, \u0130slami finans ilkeleri \u00e7er\u00e7evesinde faaliyet g\u00f6steren kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sistemini teorik ve uygulamal\u0131 y\u00f6nleriyle ele almakta; T\u00fcrkiye\u2019deki en k\u00f6kl\u00fc kat\u0131l\u0131m bankalar\u0131ndan biri olan Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131 \u00f6rnek olay olarak incelemektedir. Faizsiz finans modeli, k\u00e2r-zarar ortakl\u0131\u011f\u0131na dayal\u0131 yap\u0131s\u0131, etik yat\u0131r\u0131m anlay\u0131\u015f\u0131 ve reel sekt\u00f6rle olan do\u011frudan ili\u015fkisiyle \u0130slam hukukuna uygun bir alternatif sunmaktad\u0131r. &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[145],"tags":[],"class_list":["post-4393","post","type-post","status-publish","format-standard","","category----1"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>\u0130slami Uygulamalar A\u00e7\u0131s\u0131ndan Kat\u0131l\u0131m Bankalar\u0131\u00a0 &quot; Kuveyt T\u00fcrk \u00d6rne\u011fi&quot; - \u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0632\u064a\u062a\u0648\u0646\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0644\u0646\u0634\u0631 \u0627\u0644\u0639\u0644\u0645\u064a<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/journal.ziu-university.net\/islami-uygulamalar-acisindan-katilim-bankalari-kuveyt-turk-ornegi\/\" \/>\r\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"\u0130slami Uygulamalar A\u00e7\u0131s\u0131ndan Kat\u0131l\u0131m Bankalar\u0131\u00a0 &quot; Kuveyt T\u00fcrk \u00d6rne\u011fi&quot; - \u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0632\u064a\u062a\u0648\u0646\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0644\u0646\u0634\u0631 \u0627\u0644\u0639\u0644\u0645\u064a\" \/>\r\n<meta property=\"og:description\" content=\"\u00d6z: &nbsp;Bu \u00e7al\u0131\u015fma, \u0130slami finans ilkeleri \u00e7er\u00e7evesinde faaliyet g\u00f6steren kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sistemini teorik ve uygulamal\u0131 y\u00f6nleriyle ele almakta; T\u00fcrkiye\u2019deki en k\u00f6kl\u00fc kat\u0131l\u0131m bankalar\u0131ndan biri olan Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131 \u00f6rnek olay olarak incelemektedir. 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