Using participation banking to access finance: A research on the province of Diyarbakır

Islamic banking is a financial system that abides by the orders of Islam, avoids the prohibitions, and is based on profit-loss sharing that does not contradict the Qur'an and hadiths. The excessive borrowing due tointerest paves the way for major economic crisesin the world. Since the basis of Islamic financial systemsis production and trade, it can protect the system to some extent in economic crises caused by interest. This, in turn, can protect the Sistem to some extent in economic crises caused by interest. For this reason, Islamic Banking has shown a very rapid in it self development in the world. In the light of this development, Islamic banking activities are both increasing and diversifying. In the study, the financial relations of these institutions operating as participation banks in our country with productionoriented companies and the roleof participation banking in access to finance of companies operating in Diyarbakır Organized Industrial Zone were investigated. In the study, the data, which financing methods the participation banks use, the financial problems they encounter, the perception of the participation banks of the companies and the reasons for the preference of the participation banks were investigated with the face-to-face survey method. It was obtained and analyzed with SPSS 26.0 analys is program. Keywords: Participation banking, Islamic Finance, Diyarbakir Organized Industrial Zone, Financial Participation Tools, Small and Medium Enterprises