Bandırma Meslek Yüksekokulu organized a debate event titled “Demand Deposit Account vs. Participation Account” within the scope of the Financial Investment Instruments course conducted under the Department of Accounting and Tax Applications, coordinated by Assoc. Prof. Dr. Nevzat ÇALIŞ with the active participation of students.

During the event, students discussed demand deposit accounts and participation accounts, which hold an important place in the banking system, from different perspectives. The group defending demand deposit accounts emphasized their fixed and predictable return structure, low-risk profile, reliability for savers, and widespread use in the traditional banking system. The group defending participation accounts focused on their compliance with interest-free finance principles, profit-and-loss sharing structure, support for ethical finance understanding, and their contribution to investment models connected to the real economy.

Throughout the debate, students discussed topics such as the operational differences between demand deposit and participation accounts within the financial system, the risk-return balance, economic and religious sensitivities affecting investor preferences, saving habits, and their contributions to the Turkish banking sector. The event contributed to reinforcing students’ theoretical knowledge as well as improving their critical thinking, financial analysis, evidence-based argumentation, and public speaking skills.

Assoc. Prof. Dr. Nevzat ÇALIŞ stated in his evaluation at the end of the event that understanding financial literacy and different banking models is highly important in today’s economic structure, and emphasized that students’ ability to comparatively analyze financial products is valuable for their professional development.

The debate event concluded with mutual exchange of ideas among students and general evaluations. The event aimed to increase students’ awareness of the financial system and banking practices while supporting course content through practical activities.