Uluslararası Ticaret ve Finans Bölümü Koleksiyonu

Permanent URI for this collectionhttps://hdl.handle.net/20.500.12469/67

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Browsing Uluslararası Ticaret ve Finans Bölümü Koleksiyonu by Author "Danışman, Gamze Öztürk"

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    Article
    Citation - WoS: 42
    Citation - Scopus: 44
    Bank Credit in Uncertain Times: Islamic Vs. Conventional Banks
    (Elsevier Ltd, 2020) Bilgin, Mehmet Hüseyin; Danışman, Gamze Öztürk; Demir, Ender; Tarazi, Amine; International Trade and Finance; 03. Faculty of Economics, Administrative and Social Sciences; 01. Kadir Has University
    This paper explores whether the impact of economic uncertainty on credit growth differs for Islamic vs. conventional banks. Using a sample of 416 banks (58 Islamic and 358 conventional) in 12 countries, the findings indicate that an increase in economic uncertainty significantly decreases the credit growth of conventional banks but does not have any significant impact on Islamic banks’ credit growth. Our results are robust to alternative specifications and addressing endogeneity concerns using GMM estimators. We further observe that our findings are stronger for the following countries: (1) countries with explicit deposit insurance protection system for Islamic banks, (2) lower foreign dominance, and (3) countries with a higher share of deposits and assets in Islamic banks.
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    Citation - WoS: 71
    Citation - Scopus: 78
    Economic Policy Uncertainty and Bank Credit Growth: Evidence From European Banks
    (Elsevier B.V., 2020) Danışman, Gamze Öztürk; Ersan, Oğuz; Demir, Ender; International Trade and Finance; 03. Faculty of Economics, Administrative and Social Sciences; 01. Kadir Has University
    Using a sample of 2977 private and listed banks in the EU-5 countries (the United Kingdom, Germany, Spain, Italy, France) for the years 2009–2018, this paper explores the impact of Economic Policy Uncertainty (EPU) on credit growth. Using panel data fixed effects methodology and controlling for endogeneity using two-step difference GMM estimators, our findings indicate that uncertainty in economic policies hampers the credit growth of European banks. Our bank type-based analyses indicate that the effect is mainly valid for cooperative banks. Additional analyses imply that the negative impact of EPU on credit growth is more pronounced in civil law countries, increases with debt maturity, and weakens for banks with a larger number of employees and branches. Furthermore, the unfavorable effects are stronger in well-capitalized banks, banks with foreign subsidiaries, and banks with a higher share of wholesale funding. We also provide several policy implications for different economic actors.