Author(s): Serkan AYCÄ°L

Participation banking is a banking method that has increased in recent conditions and is an alternative to deposit banks. In participation banking, interest is replaced by profit and loss as a financial input. Participation banks are not required in economic use with the principle of interest-free relationship, and the values expressed in money or money, which are called as under-pillow (claim) in economics, which remain idle for various reasons, and are intended to be used as a fund for those in need. Islamic belief describes interest as an unfair gain that does not correspond. These entry participation banks can be preferred for the binding of the officials who are sensitive to interest. In this research, participation banking function has been added to PTT services and an attempt has been made to analyze the possible scenario. In the literature of the research, the Postal Telegraph Organization, which operates agency banking through mail branches and plans to take its place among participation banks with its vision of postal participation banking. Strengths and Weaknesses, Opportunities and Threats of Mail Participation Banking application were evaluated by SWOT analysis. It turns out that the benefits of transforming PTTBank into a participation bank to be socio-economic efficient are high and there are possible scenarios.


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