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Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi

Abdulmuttalip PİLATİN (Recep Tayyip Erdoğan Üniversitesi, Fındıklı Uygulamalı Bilimler Yüksekokulu, Finans ve Bankacılık Bölümü, Rize, Türkiye)
Verimlilik Dergisi
17 0
Yıl: 2023 Cilt: 57 Sayı: 2 Sayfa Aralığı: 343 - 364 Metin Dili: Türkçe DOI: 10.51551/verimlilik.1145552 İndeks Tarihi: 04-05-2023

Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi

Öz:
Amaç: Bu çalışmanın amacı, Türk mevduat bankalarının cinsiyet çeşitliliğinin finansal performans üzerindeki etkisini incelemektir. Bu amaçla çalışmada kredi riski göstergesi olarak takipteki krediler (NPL) ile kredi zarar karşılıkları (LLP), iflas riski göstergesi olarak Z-Skor, kârlılık göstergesi olarak ise aktif kârlılık (RAO) ile öz sermaye kârlılığı (ROE) kullanılmıştır. Yöntem: Yöntem olarak dirençli tahminciler kullanılarak sabit etkiler modeli uygulanmıştır. Bulgular: Sonuçlar, bankaların cinsiyet çeşitliliğinin sektördeki bankaların kredi risk göstergesi olan NPL, LLP ve kârlılık göstergeleri olan ROA, ROE ile negatif ve anlamlı şekilde ilişkili olduğunu göstermektedir. Bankaların cinsiyet çeşitliliğinin bankaların kredi riskini önemli ölçüde azalttığı görülmüştür. Kârlılıklar bakımından ise cinsiyet çeşitliliği ile kârlılık arasında hipotezlerin aksine negatif ve anlamlı ilişki olduğu ortaya çıkmasına rağmen sağlamlık analizlerinde bankacılık sektöründe daha büyük paya sahip bankaların cinsiyet çeşitliliği ile kârlılıkları arasında pozitif ve anlamlı ilişkiler olduğu belirlenmiştir. Cinsiyet çeşitliliği ile kârlılık arasında doğrusal olmayan U şeklinde bir ilişki olduğunu anlaşılmıştır. Özgünlük: Bu çalışma, bankaların farklı kademelerdeki cinsiyet çeşitliliğiyle ilgili olarak literatürde yapılmış olan ilk çalışmalardan biridir.
Anahtar Kelime: Cinsiyet Çeşitliliği Kredi Riski Kârlılık Takipteki Krediler Verimlilik.

The Effect of Gender Diversity on Credit Risk and Profitability in the Turkish Banking Sector

Öz:
Purpose: The aim of this study is to examine the effect of gender diversity of Turkish deposit banks on credit risk and profitability. For this purpose, a data set consisting of 21 banks covering 98% of the total assets of the banking system and approximately 99% of the number of employees was used. The study covers the period of 2003-2019 Methodology: For this purpose, non-performing loans (NPL) and loan loss provisions (LLP) are used as credit risk indicators, Z-Score as bankruptcy risk indicator, return on assets (ROA) and return on equity (ROE) are used as profitability indicators. Fixed and random effects model and panel test methods were applied using resistant estimators. Findings: The results show that the gender diversity of banks is negatively and significantly related to NPL, LLP, which is the credit risk indicator of the banks in the sector, and ROA and ROE, which are the profitability indicators. It has been observed that the gender diversity of banks significantly reduces the credit risk of banks. In terms of profitability, contrary to the hypotheses, there is a negative and significant relationship between gender diversity and profitability. These results were also reinforced by sensitivity analysis and it was determined that there are positive and significant relationships between gender diversity and profitability of banks that have a larger share in the banking sector. Originality: This study is one of the first and comprehensive studies in the literature on gender diversity at different levels apart from the boards of directors of banks.
Anahtar Kelime: Gender Diversity Credit Risk Profitability Non-Performing Loans Efficiency.

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APA Pilatin A (2023). Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. , 343 - 364. 10.51551/verimlilik.1145552
Chicago Pilatin Abdulmuttalip Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. (2023): 343 - 364. 10.51551/verimlilik.1145552
MLA Pilatin Abdulmuttalip Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. , 2023, ss.343 - 364. 10.51551/verimlilik.1145552
AMA Pilatin A Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. . 2023; 343 - 364. 10.51551/verimlilik.1145552
Vancouver Pilatin A Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. . 2023; 343 - 364. 10.51551/verimlilik.1145552
IEEE Pilatin A "Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi." , ss.343 - 364, 2023. 10.51551/verimlilik.1145552
ISNAD Pilatin, Abdulmuttalip. "Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi". (2023), 343-364. https://doi.org/10.51551/verimlilik.1145552
APA Pilatin A (2023). Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. Verimlilik Dergisi, 57(2), 343 - 364. 10.51551/verimlilik.1145552
Chicago Pilatin Abdulmuttalip Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. Verimlilik Dergisi 57, no.2 (2023): 343 - 364. 10.51551/verimlilik.1145552
MLA Pilatin Abdulmuttalip Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. Verimlilik Dergisi, vol.57, no.2, 2023, ss.343 - 364. 10.51551/verimlilik.1145552
AMA Pilatin A Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. Verimlilik Dergisi. 2023; 57(2): 343 - 364. 10.51551/verimlilik.1145552
Vancouver Pilatin A Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi. Verimlilik Dergisi. 2023; 57(2): 343 - 364. 10.51551/verimlilik.1145552
IEEE Pilatin A "Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi." Verimlilik Dergisi, 57, ss.343 - 364, 2023. 10.51551/verimlilik.1145552
ISNAD Pilatin, Abdulmuttalip. "Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi". Verimlilik Dergisi 57/2 (2023), 343-364. https://doi.org/10.51551/verimlilik.1145552
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