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Participation banking has a history of nearly forty years in Turkey, including its predecessors, special finance houses. Despite this relatively long history, the point reached by the sector is discussed and criticized in many ways. Participation banking, known in the world as Islamic banking, is an important sub-field of Islamic finance. Interest in this has increased especially after the 2008 world financial crisis. In this context, the aim of this article is to identify today's participation banking problems in Turkey, both through the literature that has emerged with increasing interest since the aforementioned period, and through the users and employees from whom information was obtained through interviews, and to propose solutions. Therefore, the main methods of the article are literature research and e-mail interviews. Within the scope of the interviews, 23 users and 5 employees from the cities of Istanbul and Kayseri were interviewed. According to the findings obtained from the literature review, there has been no change in most of the problems expressed in the literature in the last ten years. The prominent ones are; inadequacy of ATMs and branches, lack of knowledge and belief of employees, and lack of product. In the interview study conducted on 28 people in total, the most prominent problem was the lack of knowledge and belief of the employees. The article ends with suggestions for solutions to the main problems identified. [ABSTRACT FROM AUTHOR]