The Demand for Alternative Finance: Evidence from the Turkish Savings Finance Sector
暫譯: 替代金融的需求：來自土耳其儲蓄金融部門的證據
Ustaoğlu, Murat, Yerdelen Tatoğlu, Ferda
- 出版商: Palgrave MacMillan
- 出版日期: 2025-10-11
- 售價: $2,040
- 貴賓價: 9.5 折 $1,938
- 語言: 英文
- 頁數: 30
- 裝訂: Hardcover - also called cloth, retail trade, or trade
- ISBN: 3032017645
- ISBN-13: 9783032017642
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相關分類:
Fintech
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商品描述
This book explores the Savings Finance model in Turkey, an interest-free financial system grounded in interest-free finance principles that came into being in the 1990s as an ethical alternative to conventional banking. The study examines the operational mechanisms of the model, particularly the collective savings pools for housing, vehicles, and workplaces. These pools circumvent the use of fixed interest rates by employing profit and loss sharing and managed fund pools. The book integrates theoretical analyses of interest-free finance and global models, such as ROSCAs, with empirical data from a nationwide survey of 662 participants. It assesses factors including public trust, theological sensitivities, and demographic influences on financial preferences.
The book discusses the sector's legal framework, operational mechanisms (including inflation-protected and lottery-based models), and its socio-economic impact, highlighting challenges like balancing religious norms with cost competitiveness. It also assesses awareness gaps and strategies to enhance institutional credibility. The book's comprehensive collection of cross-tabulated demographic data and quantitative analyses renders it a valuable resource for scholars of interest-free finance, economists, policymakers, and professionals interested in ethical financial systems. It offers critical insights for those exploring how cultural, religious, and regulatory dynamics shape alternative finance in emerging markets.商品描述(中文翻譯)
本書探討了土耳其的儲蓄金融模型，這是一種基於無利息金融原則的無利息金融系統，於1990年代作為傳統銀行的道德替代方案而誕生。研究考察了該模型的運作機制，特別是針對住房、車輛和工作場所的集體儲蓄池。這些儲蓄池通過採用利潤與損失分享及管理基金池的方式，繞過了固定利率的使用。本書將無利息金融的理論分析與全球模型（如ROSCA）相結合，並結合來自662名參與者的全國性調查的實證數據。它評估了包括公眾信任、神學敏感性和人口統計對金融偏好的影響等因素。
本書討論了該行業的法律框架、運作機制（包括通脹保護和基於彩票的模型）及其社會經濟影響，突顯了在宗教規範與成本競爭之間取得平衡的挑戰。它還評估了認知差距及增強機構可信度的策略。本書全面收集的交叉表人口統計數據和定量分析，使其成為無利息金融學者、經濟學家、政策制定者以及對道德金融系統感興趣的專業人士的寶貴資源。它為那些探索文化、宗教和監管動態如何塑造新興市場的替代金融提供了重要見解。
作者簡介
Murat Ustaoğlu is a Professor of Economics at Istanbul University, holding a Ph.D. (2013) and earlier degrees from Ramapo College and City University of New York. A former banker (Bank of New York and JP Morgan), he has held visiting positions at the London School of Economics, City University of New York, and the University of Toronto. His prolific research spans macroeconomics, finance, and AI in economics, with numerous books and journal publications.
Ferda Yerdelen Tatoğlu is a distinguished Econometrician and full Professor at Istanbul University, renowned for her expertise in panel data and spatial econometrics. Author of pivotal texts like Panel Data Econometrics and contributor to journals such as Renewable Energy, her interdisciplinary research spans energy, public policy, and health economics. A founder of Omega Analiz, she merges academic rigor with practical innovation in global econometric applications.
作者簡介(中文翻譯)
Murat Ustaoğlu 是伊斯坦堡大學的經濟學教授，擁有2013年的博士學位，以及來自拉馬波學院和紐約市立大學的學位。他曾是一名銀行家（紐約銀行和摩根大通），並在倫敦政治經濟學院、紐約市立大學和多倫多大學擔任過訪問職位。他的研究範圍廣泛，涵蓋宏觀經濟學、金融學和經濟學中的人工智慧，並發表了多本書籍和期刊文章。
Ferda Yerdelen Tatoğlu 是一位傑出的計量經濟學家，現任伊斯坦堡大學的全職教授，以其在面板數據和空間計量經濟學方面的專業知識而聞名。她是《面板數據計量經濟學》（Panel Data Econometrics）等重要著作的作者，並為《可再生能源》（Renewable Energy）等期刊貢獻文章。她的跨學科研究涵蓋能源、公共政策和健康經濟學。作為Omega Analiz的創始人，她將學術嚴謹性與全球計量經濟應用中的實踐創新相結合。
