The perceptions of bank customers about participation (Islamic) banking in Kastamonu

Abstract: The purpose of this research, in the province of Kastamonu bank customers to determine their perceptions on Islamic banking and finance applications with a survey application. The data delivered by the 275 participants in the Internet environment within the scope of the survey sample was obtained. The demographic characteristics of the participants, Islamic finance and interest free banking products were analyzed statistically with the collected data. First, frequency tables were created. Then, data were subjected to various analysis methods and important findings were obtained. According to the findings, participants have low levels of knowledge about general Islamic finance. Murabaha and Mudaraba are the most well-known products by the participants. The most important factors affecting the choice of participants are; the bank's reputation, low transaction costs and the behavior of bank personnel. The religious sensitivity was close to the last rank. Customers also have doubts about Islamic banking.