摘要：The question of how bank customers choose the banks that they work with has been continuously examined by researchers from past to present. The search for answers to such questions helps banks identify the appropriate marketing strategies needed to win new customers and retain existing customers. Increasing competition in the banking sector and the similarity of the services offered by banks make it even more important to determine the key factors that affect the preferences of the customers. Participation Banking or Islamic Finance is one of the alternative financial institutions in the banking sector. With Participation Banking,an alternative option is offered for those who keep themselves out of the traditional banking system but who also need debt and to invest their funds. This study aimed to understand the level of knowledge,awareness and perception of participation banking terms and services of university students who could be evaluated as real and potentially bank customers,financial system participants or actors. This study also examined the effect of the students' perceptions and knowledge on the participation banking function,services and products in the education system of finance and banking. The students were selected from students who have completed a certain number of course credits and have taken at least 2 courses in economics,finance or banking. In the study,a total of 324 students were surveyed and 293 of them were found suitable for the analysis. Factor analysis,ANOVA analysis,independent groups t test,regression analysis,correlation analysis methods were used in the study. As a result of the study,it was observed that the level of knowledge and awareness of Islamic Banking and its applications was very low among the students of Çankırı Karatekin University. Religious factor is an effective factor in the choice of participation bank. There is also a positive relationship between the positive perception of Islamic banking and the level of preference.
其他摘要：Banka müşterilerinin çalıştıkları bankaları nasıl seçtikleri sorusu araştırmacılar tarafından geçmişten günümüze sürekli olarak incelenmiştir. Bu tür soruların cevaplarının araştırılması bankaların yeni müşteriler kazanmak ve mevcut müşterileri elde tutma
