K. Batu Tunay, Hasan F. Yuceyılmaz, Ahmet Çilesiz DOI: 10.5782/2223-2621.2020.23.1.83 Full Article Abstract Crediting in the banking sector plays an important role in all developed and developing countries. For this reason, it is monitored continuously by public authorities and measures are taken to control credit supply in economic growth periods. On the other hand, in an…