Customer satisfaction and the influence of quality service aspects: A case study of a cooperative union in Cape Coast, Ghana's Central Region

Published: Apr 22, 2022

Abstract:

Purpose: This is to determine the association between quality service aspects and customer satisfaction in non-interest-based financial services.

Research Methodology: The study used a quantitative approach and a descriptive design, as well as a simple random sampling technique, closed-ended questionnaire, multiple linear regression, and SPSS 20.0 versions for data translation and analysis.

Result: The study concludes that customer satisfaction is influenced by quality service dimensions such as empathy, tangibility, assurance, responsiveness, and reliability.

Limitation: Time limits, assumptions about the underlying theory, and the use of a single credit union were all possible stumbling blocks.

Limitations: Time limits, assumptions about the underlying theory, and the use of a single credit union were all possible stumbling blocks

Contribution: The contribution is that in a highly active, dynamic, and competitive business environment, organizations must ensure employee effectiveness and efficiency because their efforts will execute quality service dimensions. Customers' disconfirmation or confirmation is heavily influenced by the organization, employees, and environment created to meet their expectations.

Keywords:
1. Customer satisfaction
2. Quality
3. Quality service
4. Service
Authors:
1 . Godson Kwame Amegayibor
2 . Clara Operabea Korankye
How to Cite
Amegayibor, G. K., & Korankye, C. O. (2022). Customer satisfaction and the influence of quality service aspects: A case study of a cooperative union in Cape Coast, Ghana’s Central Region. Annals of Management and Organization Research, 2(4), 253–269. https://doi.org/10.35912/amor.v2i4.906

Downloads

Download data is not yet available.
Issue & Section
Author Biography

Clara Operabea Korankye, Cooperative Credit Union, University of Cape Coast, Cape Coast, Ghana

Head of Deparrtment of Human Resource management.

References

    Agbor, J. M. (2011). The Relationship between customer satisfaction and service quality. Umeå University, Sweden.

    Agnihotri, R., Dingus, R., Hu, M. Y., & Krush, M. T. (2016). Social media: Influencing customer satisfaction in B2B sales. Industrial marketing management, 53, 172-180.

    Ali, M., Metz, I., & Kulik, C. T. (2015). The impact of work–family programs on the relationship between gender diversity and performance. Human Resource Management, 54(4), 553-576.

    Amegayibor, G. K. (2021). The effect of demographic factors on employees’ performance: A case of an owner-manager manufacturing firm. Annals of Human Resource Management Research, 1(2), 127-143.

    Andaleeb, S. S., & Basu, A. K. (1994). Technical complexity and consumer knowledge as moderators of service quality evaluation in the automobile service industry. Journal of retailing, 70(4), 367-381.

    Anderson, E. W., Fornell, C., & Lehmann, D. R. (1994). Customer satisfaction, market share, and profitability: Findings from Sweden. Journal of marketing, 58(3), 53-66.

    Arslan, M., Iftikhar, M., & Zaman, R. (2014). Effect of service quality dimensions on customer satisfaction: A comparative analysis of Pakistan Telecom sector. Revista de Management Comparat International, 15(4), 440.

    Avery, D. R., McKay, P. F., & Wilson, D. C. (2007). Engaging the aging workforce: The relationship between perceived age similarity, satisfaction with coworkers, and employee engagement. Journal of applied psychology, 92(6), 1542.

    Awoyemi, M. (2002). Research Methodology in Education. Accra: K 'N' A.B. Ltd.

    Barsky, J. D. (1992). Customer satisfaction in the hotel industry: Meaning and measurement. Hospitality Research Journal, 16(1), 51-73.

    Bearden, W. O., & Teel, J. E. (1983). Selected determinants of consumer satisfaction and complaint reports. Journal of marketing Research, 20(1), 21-28.

    Bitner, M. J. (1990). Evaluating service encounters: the effects of physical surroundings and employee responses. Journal of marketing, 54(2), 69-82.

    Bolton, R. N., & Drew, J. H. (1991). A multistage model of customers' assessments of service quality and value. Journal of consumer research, 17(4), 375-384.

    Bovée, C. L., & Thill, J. V. (1992). Marketing: McGraw-Hill.

    Burns, N., & Grove, S. K. (2003). Understanding Nursing Research: Saunders.

    Cadotte, E. R., Woodruff, R. B., & Jenkins, R. L. (1987). Expectations and norms in models of consumer satisfaction. Journal of marketing Research, 24(3), 305-314.

    Ch, G. (2000). Relationship Marketing: the Nordic School Perspective [in] Handbook of Relationship Marketing, Sheth, JN, Parvatiyar, A: Thousand Oaks: Sage Publications.

    Chambo, S., Mwangi, M., & Oloo, O. (2008). An analysis of the socio-economic impact of cooperatives in africa and their institutional context. Nairobi, International Co-operative Alliance and the Canadian Cooperative Association.

    Churchill Jr, G. A., & Surprenant, C. (1982). An investigation into the determinants of customer satisfaction. Journal of marketing Research, 19(4), 491-504.

    Creswell, J. W. (2014). Research design: qualitative, quantitative, and mixed methods approaches. 4th edition / John W. Creswell.

    Cronin Jr, J. J., & Taylor, S. A. (1994). SERVPERF versus SERVQUAL: reconciling performance-based and perceptions-minus-expectations measurement of service quality. Journal of marketing, 58(1), 125-131.

    Day, R. L. (1977). Extending the concept of consumer satisfaction. ACR North American Advances.

    El Saghier, N., & Nathan, D. (2013). Service quality dimensions and customers’ satisfactions of banks in Egypt. Paper presented at the Proceedings of 20th international business research conference.

    Feigenbaum, A. V. (1986). Total Quality Control: McGraw-Hill.

    Felix, R. (2017). Service quality and customer satisfaction in selected banks in Rwanda. Journal of Business & Financial Affairs, 6(1), 246-256.

    Fisher, R. T. (2001). Role stress, the type A behavior pattern, and external auditor job satisfaction and performance. Behavioral research in accounting, 13(1), 143-170.

    Fornell, C. (1992). A national customer satisfaction barometer: The Swedish experience. Journal of marketing, 56(1), 6-21.

    Fornell, C., & Johnson, M. D. (1993). Differentiation as a basis for explaining customer satisfaction across industries. Journal of economic psychology, 14(4), 681-696.

    Fornell, C., Johnson, M. D., Anderson, E. W., Cha, J., & Bryant, B. E. (1996). The American customer satisfaction index: nature, purpose, and findings. Journal of marketing, 60(4), 7-18.

    Fornell, C., Mithas, S., Morgeson III, F. V., & Krishnan, M. S. (2006). Customer satisfaction and stock prices: High returns, low risk. Journal of marketing, 70(1), 3-14.

    Fox, W., & Bayat, M. (2007). A Guide To Managing Research; Cape Town: Juta and Co: Ltd.

    Fried, H. O., Lovell, C. K., & Eeckaut, P. V. (1993). Evaluating the performance of US credit unions. Journal of Banking & Finance, 17(2-3), 251-265.

    Fried, H. O., Schmidt, S. S., & Yaisawarng, S. (1999). Incorporating the operating environment into a nonparametric measure of technical efficiency. Journal of productivity Analysis, 12(3), 249-267.

    Garden, K. A., & Ralston, D. E. (1999). The x-efficiency and allocative efficiency effects of credit union mergers. Journal of International Financial Markets, Institutions and Money, 9(3), 285-301.

    Ghauri, P., Grønhaug, K., & Strange, R. (2010). Research Methods in Business Studies, 4 uppl. Harlow, Storbritannien: Pearson Education Limited.

    Giese, J., & Cote, J. A. (2000). Defining consumer satisfaction. Academy of marketing science review.

    Glass, J. C., McKillop, D. G., & Quinn, B. (2014). Modelling the performance of Irish credit unions, 2002 to 2010. Financial accountability & management, 30(4), 430-453.

    Grigoroudis, E., & Siskos, Y. (2009). Customer Satisfaction Evaluation: Methods for Measuring and Implementing Service Quality: Springer US.

    Grönroos, C. (1982). Strategic management and marketing in the service sector. Swedish School of Economics and Business Administration. Helsingfors. Res. Rep, 83-104.

    Handfield, R. B., & Bechtel, C. (2002). The role of trust and relationship structure in improving supply chain responsiveness. Industrial marketing management, 31(4), 367-382.

    Hasson, D., & Arnetz, B. B. (2005). Validation and findings comparing VAS vs. Likert scales for psychosocial measurements. International Electronic Journal of Health Education, 8, 178-192.

    Hong, T. L. (2014). RELATIONSHIP BETWEEN SERVICE QUALITY AND CUSTOMER SATISFACTION: A STUDY OF MALAYSIAN BANKING INDUSTRY. Vol. 2 No. 2 (2014).

    Hunt, H. K. (1977). Conceptualization and measurement of consumer satisfaction and dissatisfaction: Marketing Science Institute.

    Johnson, D. W., Johnson, R. T., & Smith, K. (2007). The state of cooperative learning in postsecondary and professional settings. Educational Psychology Review, 19(1), 15-29.

    Johnson, E., & Karley, J. (2018). Impact of Service Quality on Customer Satisfaction. Case study: Liberia Revenue Authority. Retrieved from http://hig.diva-portal.org/smash/record.jsf?pid=diva2%3A1246475&dswid=8140

    Jones, M. A., & Suh, J. (2000). Transaction‐specific satisfaction and overall satisfaction: an empirical analysis. Journal of services Marketing.

    Juwaheer, T. D., & Ross, D. L. (2003). A study of hotel guest perceptions in Mauritius. International Journal of Contemporary Hospitality Management.

    Karlay, E. C. J. J. S. (2018). Impact of service quality on customer satisfaction.

    Khan, M. M., & Fasih, M. (2014). Impact of service quality on customer satisfaction and customer loyalty: Evidence from banking sector. Pakistan Journal of Commerce and Social Sciences (PJCSS), 8(2), 331-354.

    Kondō, Y. (1995). Companywide quality control: its background and development: 3A Corporation.

    Kothari, C. R. (2004). Research methodology: Methods and techniques: New Age International.

    Kotler, P. (2003). Marketing insights from A to Z: 80 concepts every manager needs to know: John Wiley & Sons.

    Kotler, P., & Keller, K. (2009). 13. painos. Marketing management. Upper Saddle River, NJ: Pearson Prentice Hall.

    Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and psychological measurement, 30(3), 607-610.

    Kumar, V. (2008). Managing Customers for Profit: Strategies to Increase Profits and Build Loyalty: Wharton School Pub.

    Kyessi, A., & Furaha, G. (2010). Access to housing finance by the urban poor: The case of WAT‐SACCOS in Dar es Salaam, Tanzania. International Journal of Housing Markets and Analysis.

    Ladhari, R. (2008). Alternative measures of service quality: a review. Managing Service Quality: An International Journal.

    Langerak, F. (2003). The effect of market orientation on positional advantage and organizational performance. Journal of strategic marketing, 11(2), 93-115.

    Lee, H., Lee, Y., & Yoo, D. (2000). The determinants of perceived service quality and its relationship with satisfaction. Journal of services Marketing.

    Lehtinen, U., & Lehtinen, J. R. (1982). Service Quality: A Study of Quality Dimensions: Service Management Institute.

    Lewis, B. R. (1993). Service quality: definitions, determinants and measurement. Training for quality.

    Marković, S., & Raspor Janković, S. (2013). Exploring the relationship between service quality and customer satisfaction in Croatian hotel industry. Tourism and Hospitality Management, 19(2), 149-164.

    Mathe, H., & Shapiro, R. D. (1993). Integrating service strategy in the manufacturing company: Chapman & Hall.

    Mathieu, V. (2001). Product services: from a service supporting the product to a service supporting the client. Journal of Business & Industrial Marketing.

    Matthyssens, P., & Vandenbempt, K. (1998). Creating competitive advantage in industrial services. Journal of Business & Industrial Marketing.

    Mittal, B., & Lassar, W. M. (1996). The role of personalization in service encounters. Journal of retailing, 72(1), 95-109.

    Muala, A. A. (2016). The effect of service quality dimensions on customers' loyalty through customer satisfaction in Jordanian Islamic Bank. International Journal of Marketing Studies, 8(6), 141-146.

    Mwesigwa, D. (2020). Technical – politics dichotomy in Mid-Western Uganda: Interrelationship between municipal councillors and administrators in service delivery. (Vol 2 No 2 (2020): November). doi:https://doi.org/10.35912/amor.v2i2.856

    Naab, R., & Bans-Akutey, A. (2021). Assessing the use of e-business strategies by SMEs in Ghana during the Covid-19 pandemic. Annals of Management and Organization Research, 2(3), 145-160.

    Narteh, B. (2016). Service fairness and customer behavioural intention: Evidence from the Ghanaian banking industry. African Journal of Economic and Management Studies.

    Negi, R. (2009). Determining customer satisfaction through perceived service quality: A study of Ethiopian mobile users. International journal of mobile marketing, 4(1).

    Ofori, R., & Dampson, D. (2011). Research methods and statistics using SPSS. Amakom-Kumasi: Payless Publication Limited.

    Oliva, R., & Kallenberg, R. (2003). Managing the transition from products to services. International journal of service industry management.

    Oliver, R. L. (1980). A cognitive model of the antecedents and consequences of satisfaction decisions. Journal of marketing Research, 17(4), 460-469.

    Onwuegbuzie, A., & Leech, N. A call for qualitative power analyses: Considerations in qualitative research. Quality & Quantity: International Journal of Methodology.

    Osborne, J. W., & Costello, A. B. (2004). Sample size and subject to item ratio in principal components analysis. Practical Assessment, Research, and Evaluation, 9(1), 11.

    Parasuraman, A., Berry, L. L., & Zeithaml, V. A. (1991). Perceived service quality as a customer‐based performance measure: An empirical examination of organizational barriers using an extended service quality model. Human Resource Management, 30(3), 335-364.

    Parasuraman, A., Zeithaml, V. A., & Berry, L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. 1988, 64(1), 12-40.

    Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1985). A conceptual model of service quality and its implications for future research. Journal of marketing, 49(4), 41-50.

    Phina, O. N., Ogechukwuand, N. N., & Shallom, A. A. (2021). Organizational climate and employee engagement: A commercial bank perspective in Southeast Nigeria. Annals of Management and Organization Research, 2(3), 161-173.

    Pizam, A., & Milman, A. (1993). Predicting satisfaction among first time visitors to a destination by using the expectancy disconfirmation theory. International Journal of Hospitality Management, 12(2), 197-209.

    Ramya, N., Kowsalya, A., & Dharanipriya, K. (2019). Service quality and its dimensions. EPRA International Journal of Research & Development, 4, 38-41.

    Reichheld, F. F., & Kenny, D. W. (1990). The hidden advantages of customer retention. Journal of Retail Banking, 12(4), 19-24.

    Roth, A. V., & Van Der Velde, M. (1991). Operations as marketing: a competitive service strategy. Journal of Operations Management, 10(3), 303-328.

    Saravanan, R., & Rao, K. (2007). Measurement of service quality from the customer's perspective–an empirical study. Total Quality Management and Business Excellence, 18(4), 435-449.

    Seth, N., Deshmukh, S., & Vrat, P. (2005). Service quality models: a review. International journal of quality & reliability management.

    Spreng, R. A., & Dixon, A. L. (1992). Alternative comparison standards in the formation of consumer satisfaction/dissatisfaction. Enhancing Knowledge Developments in Marketing, 85-91.

    Sriyam, A. (2010). Customer satisfaction towards service quality of front office staff at the hotel. Master Paper Of Arts Degree In Business English For International Communication.

    Stafford, M. R. (1994). How customers perceive service quality. Journal of Retail Banking, 16(2), 29-38.

    Sultana, S., & Das, T. I. S. (2016). Measuring customer satisfaction through SERVQUAL model: A study on beauty parlors in Chittagong. European Journal of Business and Management, 8(35), 97-108.

    Swan, J. E., & Trawick, I. F. (1981). Disconfirmation of expectations and satisfaction with a retail service. Journal of retailing.

    Tchami, G. (2007). Handbook on Cooperatives for use by Workers€™ Organizations.

    Tse, D. K., & Wilton, P. C. (1988). Models of consumer satisfaction formation: An extension. Journal of marketing Research, 25(2), 204-212.

    Wangenheim, F., & Bayon, T. (2004). Satisfaction, loyalty and word of mouth within the customer base of a utility provider: Differences between stayers, switchers and referral switchers. Journal of Consumer Behaviour: An International Research Review, 3(3), 211-220.

    Westbrook, R., & Oliver, R. (1991). The dimensionality of and consumer consumption emotion satisfaction patterns. Journal of consumer Research, 18(1), 84-91.

    Wicks, A., & Roethlein, C. (2009). „A Satisfaction-Based Definition of Quality‟ Journal of Business & Economic Studies, vol. 15.

    Wilson, A., Zeithaml, V., Bitner, M. J., & Gremler, D. (2008). EBOOK: Services Marketing: Integrating Customer Focus Across the Firm: McGraw-Hill Education.

    Wirtz, C. H. L. J. (2011). Services Marketing: People, Technology, Strategy, 7th Edition.

    Yarimoglu, E. K. (2014). A review on dimensions of service quality models. Journal of marketing management, 2(2), 79-93.

    Yüksel, A., & Yüksel, F. (2008). Consumer satisfaction theories: a critical review. Tourist satisfaction and complaining behavior: Measurement and management issues in the tourism and hospitality industry, 65-88.

    Zeithaml, V. A., & Bitner, M. J. (1996). Services Marketing: McGraw Hill.

    Zeithaml, V. A., & Bitner, M. J. (2003). Services Marketing: Integrating Customer Focus Across the Firm: McGraw-Hill/Irwin.

    Zumbo, B. D., & Zimmerman, D. W. (1993). Is the selection of statistical methods governed by level of measurement? Canadian Psychology/Psychologie canadienne, 34(4), 390.

  1. Agbor, J. M. (2011). The Relationship between customer satisfaction and service quality. Umeå University, Sweden.
  2. Agnihotri, R., Dingus, R., Hu, M. Y., & Krush, M. T. (2016). Social media: Influencing customer satisfaction in B2B sales. Industrial marketing management, 53, 172-180.
  3. Ali, M., Metz, I., & Kulik, C. T. (2015). The impact of work–family programs on the relationship between gender diversity and performance. Human Resource Management, 54(4), 553-576.
  4. Amegayibor, G. K. (2021). The effect of demographic factors on employees’ performance: A case of an owner-manager manufacturing firm. Annals of Human Resource Management Research, 1(2), 127-143.
  5. Andaleeb, S. S., & Basu, A. K. (1994). Technical complexity and consumer knowledge as moderators of service quality evaluation in the automobile service industry. Journal of retailing, 70(4), 367-381.
  6. Anderson, E. W., Fornell, C., & Lehmann, D. R. (1994). Customer satisfaction, market share, and profitability: Findings from Sweden. Journal of marketing, 58(3), 53-66.
  7. Arslan, M., Iftikhar, M., & Zaman, R. (2014). Effect of service quality dimensions on customer satisfaction: A comparative analysis of Pakistan Telecom sector. Revista de Management Comparat International, 15(4), 440.
  8. Avery, D. R., McKay, P. F., & Wilson, D. C. (2007). Engaging the aging workforce: The relationship between perceived age similarity, satisfaction with coworkers, and employee engagement. Journal of applied psychology, 92(6), 1542.
  9. Awoyemi, M. (2002). Research Methodology in Education. Accra: K 'N' A.B. Ltd.
  10. Barsky, J. D. (1992). Customer satisfaction in the hotel industry: Meaning and measurement. Hospitality Research Journal, 16(1), 51-73.
  11. Bearden, W. O., & Teel, J. E. (1983). Selected determinants of consumer satisfaction and complaint reports. Journal of marketing Research, 20(1), 21-28.
  12. Bitner, M. J. (1990). Evaluating service encounters: the effects of physical surroundings and employee responses. Journal of marketing, 54(2), 69-82.
  13. Bolton, R. N., & Drew, J. H. (1991). A multistage model of customers' assessments of service quality and value. Journal of consumer research, 17(4), 375-384.
  14. Bovée, C. L., & Thill, J. V. (1992). Marketing: McGraw-Hill.
  15. Burns, N., & Grove, S. K. (2003). Understanding Nursing Research: Saunders.
  16. Cadotte, E. R., Woodruff, R. B., & Jenkins, R. L. (1987). Expectations and norms in models of consumer satisfaction. Journal of marketing Research, 24(3), 305-314.
  17. Ch, G. (2000). Relationship Marketing: the Nordic School Perspective [in] Handbook of Relationship Marketing, Sheth, JN, Parvatiyar, A: Thousand Oaks: Sage Publications.
  18. Chambo, S., Mwangi, M., & Oloo, O. (2008). An analysis of the socio-economic impact of cooperatives in africa and their institutional context. Nairobi, International Co-operative Alliance and the Canadian Cooperative Association.
  19. Churchill Jr, G. A., & Surprenant, C. (1982). An investigation into the determinants of customer satisfaction. Journal of marketing Research, 19(4), 491-504.
  20. Creswell, J. W. (2014). Research design: qualitative, quantitative, and mixed methods approaches. 4th edition / John W. Creswell.
  21. Cronin Jr, J. J., & Taylor, S. A. (1994). SERVPERF versus SERVQUAL: reconciling performance-based and perceptions-minus-expectations measurement of service quality. Journal of marketing, 58(1), 125-131.
  22. Day, R. L. (1977). Extending the concept of consumer satisfaction. ACR North American Advances.
  23. El Saghier, N., & Nathan, D. (2013). Service quality dimensions and customers’ satisfactions of banks in Egypt. Paper presented at the Proceedings of 20th international business research conference.
  24. Feigenbaum, A. V. (1986). Total Quality Control: McGraw-Hill.
  25. Felix, R. (2017). Service quality and customer satisfaction in selected banks in Rwanda. Journal of Business & Financial Affairs, 6(1), 246-256.
  26. Fisher, R. T. (2001). Role stress, the type A behavior pattern, and external auditor job satisfaction and performance. Behavioral research in accounting, 13(1), 143-170.
  27. Fornell, C. (1992). A national customer satisfaction barometer: The Swedish experience. Journal of marketing, 56(1), 6-21.
  28. Fornell, C., & Johnson, M. D. (1993). Differentiation as a basis for explaining customer satisfaction across industries. Journal of economic psychology, 14(4), 681-696.
  29. Fornell, C., Johnson, M. D., Anderson, E. W., Cha, J., & Bryant, B. E. (1996). The American customer satisfaction index: nature, purpose, and findings. Journal of marketing, 60(4), 7-18.
  30. Fornell, C., Mithas, S., Morgeson III, F. V., & Krishnan, M. S. (2006). Customer satisfaction and stock prices: High returns, low risk. Journal of marketing, 70(1), 3-14.
  31. Fox, W., & Bayat, M. (2007). A Guide To Managing Research; Cape Town: Juta and Co: Ltd.
  32. Fried, H. O., Lovell, C. K., & Eeckaut, P. V. (1993). Evaluating the performance of US credit unions. Journal of Banking & Finance, 17(2-3), 251-265.
  33. Fried, H. O., Schmidt, S. S., & Yaisawarng, S. (1999). Incorporating the operating environment into a nonparametric measure of technical efficiency. Journal of productivity Analysis, 12(3), 249-267.
  34. Garden, K. A., & Ralston, D. E. (1999). The x-efficiency and allocative efficiency effects of credit union mergers. Journal of International Financial Markets, Institutions and Money, 9(3), 285-301.
  35. Ghauri, P., Grønhaug, K., & Strange, R. (2010). Research Methods in Business Studies, 4 uppl. Harlow, Storbritannien: Pearson Education Limited.
  36. Giese, J., & Cote, J. A. (2000). Defining consumer satisfaction. Academy of marketing science review.
  37. Glass, J. C., McKillop, D. G., & Quinn, B. (2014). Modelling the performance of Irish credit unions, 2002 to 2010. Financial accountability & management, 30(4), 430-453.
  38. Grigoroudis, E., & Siskos, Y. (2009). Customer Satisfaction Evaluation: Methods for Measuring and Implementing Service Quality: Springer US.
  39. Grönroos, C. (1982). Strategic management and marketing in the service sector. Swedish School of Economics and Business Administration. Helsingfors. Res. Rep, 83-104.
  40. Handfield, R. B., & Bechtel, C. (2002). The role of trust and relationship structure in improving supply chain responsiveness. Industrial marketing management, 31(4), 367-382.
  41. Hasson, D., & Arnetz, B. B. (2005). Validation and findings comparing VAS vs. Likert scales for psychosocial measurements. International Electronic Journal of Health Education, 8, 178-192.
  42. Hong, T. L. (2014). RELATIONSHIP BETWEEN SERVICE QUALITY AND CUSTOMER SATISFACTION: A STUDY OF MALAYSIAN BANKING INDUSTRY. Vol. 2 No. 2 (2014).
  43. Hunt, H. K. (1977). Conceptualization and measurement of consumer satisfaction and dissatisfaction: Marketing Science Institute.
  44. Johnson, D. W., Johnson, R. T., & Smith, K. (2007). The state of cooperative learning in postsecondary and professional settings. Educational Psychology Review, 19(1), 15-29.
  45. Johnson, E., & Karley, J. (2018). Impact of Service Quality on Customer Satisfaction. Case study: Liberia Revenue Authority. Retrieved from http://hig.diva-portal.org/smash/record.jsf?pid=diva2%3A1246475&dswid=8140
  46. Jones, M. A., & Suh, J. (2000). Transaction?specific satisfaction and overall satisfaction: an empirical analysis. Journal of services Marketing.
  47. Juwaheer, T. D., & Ross, D. L. (2003). A study of hotel guest perceptions in Mauritius. International Journal of Contemporary Hospitality Management.
  48. Karlay, E. C. J. J. S. (2018). Impact of service quality on customer satisfaction.
  49. Khan, M. M., & Fasih, M. (2014). Impact of service quality on customer satisfaction and customer loyalty: Evidence from banking sector. Pakistan Journal of Commerce and Social Sciences (PJCSS), 8(2), 331-354.
  50. Kond?, Y. (1995). Companywide quality control: its background and development: 3A Corporation.
  51. Kothari, C. R. (2004). Research methodology: Methods and techniques: New Age International.
  52. Kotler, P. (2003). Marketing insights from A to Z: 80 concepts every manager needs to know: John Wiley & Sons.
  53. Kotler, P., & Keller, K. (2009). 13. painos. Marketing management. Upper Saddle River, NJ: Pearson Prentice Hall.
  54. Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and psychological measurement, 30(3), 607-610.
  55. Kumar, V. (2008). Managing Customers for Profit: Strategies to Increase Profits and Build Loyalty: Wharton School Pub.
  56. Kyessi, A., & Furaha, G. (2010). Access to housing finance by the urban poor: The case of WAT?SACCOS in Dar es Salaam, Tanzania. International Journal of Housing Markets and Analysis.
  57. Ladhari, R. (2008). Alternative measures of service quality: a review. Managing Service Quality: An International Journal.
  58. Langerak, F. (2003). The effect of market orientation on positional advantage and organizational performance. Journal of strategic marketing, 11(2), 93-115.
  59. Lee, H., Lee, Y., & Yoo, D. (2000). The determinants of perceived service quality and its relationship with satisfaction. Journal of services Marketing.
  60. Lehtinen, U., & Lehtinen, J. R. (1982). Service Quality: A Study of Quality Dimensions: Service Management Institute.
  61. Lewis, B. R. (1993). Service quality: definitions, determinants and measurement. Training for quality.
  62. Markovi?, S., & Raspor Jankovi?, S. (2013). Exploring the relationship between service quality and customer satisfaction in Croatian hotel industry. Tourism and Hospitality Management, 19(2), 149-164.
  63. Mathe, H., & Shapiro, R. D. (1993). Integrating service strategy in the manufacturing company: Chapman & Hall.
  64. Mathieu, V. (2001). Product services: from a service supporting the product to a service supporting the client. Journal of Business & Industrial Marketing.
  65. Matthyssens, P., & Vandenbempt, K. (1998). Creating competitive advantage in industrial services. Journal of Business & Industrial Marketing.
  66. Mittal, B., & Lassar, W. M. (1996). The role of personalization in service encounters. Journal of retailing, 72(1), 95-109.
  67. Muala, A. A. (2016). The effect of service quality dimensions on customers' loyalty through customer satisfaction in Jordanian Islamic Bank. International Journal of Marketing Studies, 8(6), 141-146.
  68. Mwesigwa, D. (2020). Technical – politics dichotomy in Mid-Western Uganda: Interrelationship between municipal councillors and administrators in service delivery. (Vol 2 No 2 (2020): November). doi:https://doi.org/10.35912/amor.v2i2.856
  69. Naab, R., & Bans-Akutey, A. (2021). Assessing the use of e-business strategies by SMEs in Ghana during the Covid-19 pandemic. Annals of Management and Organization Research, 2(3), 145-160.
  70. Narteh, B. (2016). Service fairness and customer behavioural intention: Evidence from the Ghanaian banking industry. African Journal of Economic and Management Studies.
  71. Negi, R. (2009). Determining customer satisfaction through perceived service quality: A study of Ethiopian mobile users. International journal of mobile marketing, 4(1).
  72. Ofori, R., & Dampson, D. (2011). Research methods and statistics using SPSS. Amakom-Kumasi: Payless Publication Limited.
  73. Oliva, R., & Kallenberg, R. (2003). Managing the transition from products to services. International journal of service industry management.
  74. Oliver, R. L. (1980). A cognitive model of the antecedents and consequences of satisfaction decisions. Journal of marketing Research, 17(4), 460-469.
  75. Onwuegbuzie, A., & Leech, N. A call for qualitative power analyses: Considerations in qualitative research. Quality & Quantity: International Journal of Methodology.
  76. Osborne, J. W., & Costello, A. B. (2004). Sample size and subject to item ratio in principal components analysis. Practical Assessment, Research, and Evaluation, 9(1), 11.
  77. Parasuraman, A., Berry, L. L., & Zeithaml, V. A. (1991). Perceived service quality as a customer?based performance measure: An empirical examination of organizational barriers using an extended service quality model. Human Resource Management, 30(3), 335-364.
  78. Parasuraman, A., Zeithaml, V. A., & Berry, L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. 1988, 64(1), 12-40.
  79. Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1985). A conceptual model of service quality and its implications for future research. Journal of marketing, 49(4), 41-50.
  80. Phina, O. N., Ogechukwuand, N. N., & Shallom, A. A. (2021). Organizational climate and employee engagement: A commercial bank perspective in Southeast Nigeria. Annals of Management and Organization Research, 2(3), 161-173.
  81. Pizam, A., & Milman, A. (1993). Predicting satisfaction among first time visitors to a destination by using the expectancy disconfirmation theory. International Journal of Hospitality Management, 12(2), 197-209.
  82. Ramya, N., Kowsalya, A., & Dharanipriya, K. (2019). Service quality and its dimensions. EPRA International Journal of Research & Development, 4, 38-41.
  83. Reichheld, F. F., & Kenny, D. W. (1990). The hidden advantages of customer retention. Journal of Retail Banking, 12(4), 19-24.
  84. Roth, A. V., & Van Der Velde, M. (1991). Operations as marketing: a competitive service strategy. Journal of Operations Management, 10(3), 303-328.
  85. Saravanan, R., & Rao, K. (2007). Measurement of service quality from the customer's perspective–an empirical study. Total Quality Management and Business Excellence, 18(4), 435-449.
  86. Seth, N., Deshmukh, S., & Vrat, P. (2005). Service quality models: a review. International journal of quality & reliability management.
  87. Spreng, R. A., & Dixon, A. L. (1992). Alternative comparison standards in the formation of consumer satisfaction/dissatisfaction. Enhancing Knowledge Developments in Marketing, 85-91.
  88. Sriyam, A. (2010). Customer satisfaction towards service quality of front office staff at the hotel. Master Paper Of Arts Degree In Business English For International Communication.
  89. Stafford, M. R. (1994). How customers perceive service quality. Journal of Retail Banking, 16(2), 29-38.
  90. Sultana, S., & Das, T. I. S. (2016). Measuring customer satisfaction through SERVQUAL model: A study on beauty parlors in Chittagong. European Journal of Business and Management, 8(35), 97-108.
  91. Swan, J. E., & Trawick, I. F. (1981). Disconfirmation of expectations and satisfaction with a retail service. Journal of retailing.
  92. Tchami, G. (2007). Handbook on Cooperatives for use by Workers€™ Organizations.
  93. Tse, D. K., & Wilton, P. C. (1988). Models of consumer satisfaction formation: An extension. Journal of marketing Research, 25(2), 204-212.
  94. Wangenheim, F., & Bayon, T. (2004). Satisfaction, loyalty and word of mouth within the customer base of a utility provider: Differences between stayers, switchers and referral switchers. Journal of Consumer Behaviour: An International Research Review, 3(3), 211-220.
  95. Westbrook, R., & Oliver, R. (1991). The dimensionality of and consumer consumption emotion satisfaction patterns. Journal of consumer Research, 18(1), 84-91.
  96. Wicks, A., & Roethlein, C. (2009). „A Satisfaction-Based Definition of Quality? Journal of Business & Economic Studies, vol. 15.
  97. Wilson, A., Zeithaml, V., Bitner, M. J., & Gremler, D. (2008). EBOOK: Services Marketing: Integrating Customer Focus Across the Firm: McGraw-Hill Education.
  98. Wirtz, C. H. L. J. (2011). Services Marketing: People, Technology, Strategy, 7th Edition.
  99. Yarimoglu, E. K. (2014). A review on dimensions of service quality models. Journal of marketing management, 2(2), 79-93.
  100. Yüksel, A., & Yüksel, F. (2008). Consumer satisfaction theories: a critical review. Tourist satisfaction and complaining behavior: Measurement and management issues in the tourism and hospitality industry, 65-88.
  101. Zeithaml, V. A., & Bitner, M. J. (1996). Services Marketing: McGraw Hill.
  102. Zeithaml, V. A., & Bitner, M. J. (2003). Services Marketing: Integrating Customer Focus Across the Firm: McGraw-Hill/Irwin.
  103. Zumbo, B. D., & Zimmerman, D. W. (1993). Is the selection of statistical methods governed by level of measurement? Canadian Psychology/Psychologie canadienne, 34(4), 390.