The Effect of Supply Chain Management on the Performance of Commercial Bank Organization in Ethiopia's Case of Jimma City

Published: Dec 5, 2022

Abstract:

Purpose: the main purpose of this research was to examine the impact of supply chain management (SCM) practice on performance in bank organizations in Ethiopia.

Research methodology: Cross-sectional descriptive survey design was employed and three purposively selected government banks were studied using a census sampling approach, the data was collected through pretested questionnaire. The main quantitative analysis was employed using STATA 14.

Results: status of SCM practice was at a high level. Spearman correlation analysis revealed that ease of access system support, efficient ordering, lean program, lead time, and customer relationship uniting SCM best practice with profitability have a positive relationship, however ordinal logistic regression analysis revealed that SCM practice dimensions customer relationship with SCM best practice and lean program have a positive significant impact on the profitability of bank organization.

Limitations: The study performed at Jimma city may not represent all business process office employees of the bank and further longitudinal study required

Contribution: This study offers practical and vital means for supply chain managers to appraise and measure supply chain performance practices. For instance, SCM practices can be employed to assess the degree to of firms' performance practices have been achieved and their impact on enhancing satisfaction.

Keywords:
1. Commercial bank
2. Performance
3. Profitability
4. SCM practice
5. Ethiopia
Authors:
Sultan Jemal
How to Cite
Jemal, S. (2022). The Effect of Supply Chain Management on the Performance of Commercial Bank Organization in Ethiopia’s Case of Jimma City. International Journal of Financial, Accounting, and Management, 4(3), 285–302. https://doi.org/10.35912/ijfam.v4i3.925

Downloads

Download data is not yet available.
Issue & Section
References

    Abera, Y. (2012). Organizational Culture of Commercial Bank of Ethiopia In Addis Ababa.

    Abi, D. (2017). School of Commerece Department of Logistics and Supply Chain Mangement. Addis Ababa University.

    Adaku, E., Famiyeh, S., Anderson, C., & Amoako-Gyampah, K. Supply chain practices and firm performance: Evidence from some selected commercial banks in Ghana.

    Agnihotri, M., & Bhavani, M. (2015). Impact of the customer relationship management practices on the profitability of UAE public and private sector banks: A comparative study. Journal of Contemporary Management Sciences, 4(2), 55-71.

    Agresti, A., & Franklin, C. A. (2007). Statistics: The Art and Science of Learning from Data: Pearson Prentice Hall.

    Ahmed, F. (2017). Factors affecting the implementation of enterprise resource planning at commercial bank of Ethiopia: Addis Ababa University. Addis Ababa, Ethiopia.

    Alghusin, N. A. S., Alsmadi, A. A., Alqtish, A. M., & Al-Qirem, R. (2017). The Relationship between E-Banking Services and Profitability Jordanian Banks as a Case. International Journal of Economics and Finance, 9(5), 114-120.

    Alshurideh, M., Alsharari, N. M., & Al Kurdi, B. (2019). Supply chain integration and customer relationship management in the airline logistics. Theoretical Economics Letters, 9(02), 392.

    Anggraini, D., Hamiza, A., Doktoralina, C. M., & Anah, S. (2018). Application of supply chain management practices in banks: Evidence from Indonesia. International Journal of Supply Chain Management, 7(5), 418-427.

    Annan, J., Otchere, A., F., & Daniel, A., A. (2013). Assessing Supply Chain Management Practices on Organizational Performance; a Case Study of the West African Examinations Council (Waec), Ghana National Office, Accra. American Based Research Journal, 2(6).

    Anyanful, T. K., & Nartey, E. D. (2015). Critical Success Factors in Supply Chain Management in the Banking Sector in Ghana. Int J Bus Manag, 5(1), 1-14.

    Awad, D. (2010). Supply chain integration: definition and challenges. Management and Technology (IJIMT), 1(1).

    Azadegan, A., Syed, T. A., Blome, C., & Tajeddini, K. (2020). Supply chain involvement in business continuity management: effects on reputational and operational damage containment from supply chain disruptions. Supply Chain Management: An International Journal.

    Baag, P. K., Kavitha, P., & Sarkar, A. (2019). Application of lean tool for process improvement of bank branches. IIM Kozhikode Society & Management Review, 8(2), 131-142.

    Binuyo, A. O., & Aregbeshola, R. A. (2014). The impact of information and communication technology (ICT) on commercial bank performance: evidence from South Africa. Problems and perspectives in management, 12(3), 59-68.

    Boubakary, B., & Moskolaï, D. D. (2016). The influence of the implementation of CSR on business strategy: An empirical approach based on Cameroonian enterprises. Retrieved from

    Chen, H., Daugherty, P. J., & Landry, T. D. (2009). Supply chain process integration: a theoretical framework. Journal of business logistics, 30(2), 27-46.

    Chow, W., S,, Madu, C., N,, Kuei, C.-H., Lu, M., H,, Lin, C., & Tseng, H. (2008). Supply chain management in the US and Taiwan: An empirical study. Omega, 36(5).

    Chowdhury, A. Y., Alam, M. Z., & Habib, M. M. (2017). Supply Chain Management Practices in Services Industry: An Empirical Investigation on Some Selected Services Sector of Bangladesh. International Journal of Supply Chain Management, 6, 152-162.

    Dechow, P. M., Sloan, R. G., & Sweeney, A. P. (1995). Detecting earnings management. Accounting review, 193-225.

    Dehgani, R., & Navimipour, N. J. (2019). The impact of information technology and communication systems on the agility of supply chain management systems. Kybernetes.

    dos Santos, J. X., & Cabrita, M. (2016). Lean Banking: Application of lean concepts and tools to the banking industry. Paper presented at the The 2016 International Conference on Systematic Innovation.

    Eklof, J., Podkorytova, O., & Malova, A. (2020). Linking customer satisfaction with financial performance: an empirical study of Scandinavian banks. Total Quality Management & Business Excellence, 31(15-16), 1684-1702.

    Elamir, E., & Sadeq, H. (2010). Ordinal Regression To Analyze Employees Attitudes Towards The Application Of Total Quality Management. Journal of applied quantitative methods, 5(4).

    Elgazzar, S., & Elzarka, S. (2017). Supply chain management in the service sector: an applied framework. The Business & Management Review, 8(5), 118-130.

    Etale, L. M., Bingilar, P. F., & Ifurueze, M. S. (2016). Market share and profitability relationship: A study of the banking sector in Nigeria. International Journal of Business, Economics and Management, 3(8), 103-112.

    Fernando, Y., & Wulansari, P. (2020). Perceived understanding of supply chain integration, communication and teamwork competency in the global manufacturing companies. European Journal of Management and Business Economics.

    Flynn, B. B., Huo, B., & Zhao, X. (2010). The impact of supply chain integration on performance: A contingency and configuration approach. Journal of operations management, 28(1), 58-71.

    Githeu, C. N. (2014). Supply chain management practices and Performance of commercial banks in Kenya. University of Nairobi.

    Hosseini, M. H., & Hosseini, V. S. (2013). The impact of co-production on customer loyalty in banking services: A case of Saman Bank.

    Kanakana, M. (2013). Lean is service industry. SAIIE24 proceedings.

    Kariuki, P. W. (2014). E-procurement and supply chain management the case of standard chartered bank of Kenya.

    Kedir, Z. (2017). Assessment on the Logistic Outsourcing Practice of Commercial Bank of Ethiopia. (Master), Addis Ababa University, Ethiopia.

    Khan, Z. A., Ahmad, M., & Butt, S. (2019). Implementation of lean practices in banks: a qualitative research. Independent Journal of Management & Production, 10(2), 489-498.

    Kim, D.-Y. (2013). Relationship between supply chain integration and performance. Operations Management Research, 6(1), 74-90.

    Kimani, P., W. (2016). Supply Chain Integration and Performance of Commercial Banks in Kenya. Nairobi University, Kenya.

    Kiprop, K., & Njeru, A. (2015). Effects of supply chain management practices on the performance of Banks in Kenya: A Case of Postbank. International Journal of Computer Applications Technology and Research, 4(7), 556-565.

    Kumar, A., & Kushwaha, G. (2018). Supply chain management practices and operational performance of fair price shops in India: an empirical study. LogForum, 14(1).

    Lambert, D. M., & Cooper, M. C. (2000). Issues in supply chain management. Industrial marketing management, 29(1), 65-83.

    Lee, C.-F., Mundy, L. G., Stone, J. M., & Ostriker, E. C. (2002). CO outflows from young stellar objects. The Astrophysical Journal, 576(1), 294.

    Letonja, M., Duh, M., & Ženko, Z. (2021). Knowledge transfer for innovativeness in family businesses. Serbian Journal of Management, 16(1), 181-199.

    Li, S., Ragu-Nathan, B., Ragu-Nathan, T., & Rao, S. S. (2006). The impact of supply chain management practices on competitive advantage and organizational performance. Omega, 34(2), 107-124.

    Magenda, J. (2014). Determinants of supply chain performance among commercial banks in Kenya. University Of Nairobi.

    Majeed, S. (2011). The impact of competitive advantage on organizational performance. European Journal of Business and Management, 3(4), 191-196.

    Matore, E. M., & Khairani, A. Z. (2020). The pattern of skewness and kurtosis using mean score and logit in measuring adversity quotient (AQ) for normality testing. Int J Future Gener Commun Netw, 13(1), 688-702.

    Mayaka, R. K. (2015). Effect of supply chain management practices on performance of Barclays Bank of Kenya Limited. University of Nairobi.

    Metzinger, A., & Latif, N. (2003). Lean manufacturing techniques reduce lead time for implant production. Paper presented at the 2003 Annual Conference.

    Mishra, S. S., & Pradhan, B. B. (2020). SUPPLY CHAIN MANAGEMENT AND INTEGRATION CONTROL. PalArch's Journal of Archaeology of Egypt/Egyptology, 17(6), 5401-5409.

    Mosadeghrad, A. M., Ferlie, E., & Rosenberg, D. (2008). A study of the relationship between job satisfaction, organizational commitment and turnover intention among hospital employees. Health services management research, 21(4), 211-227.

    Muluadam, A. (2014). Internal Supply Chain Performance Analysis Of Ethio Telecom. ST. MARY’S UNIVERSTY.

    Mutinda, A. M. (2013). Value chain and competitive advantage in Commercial banks in Kenya. University of Nairobi.

    Nawanir, G., Teong, L. K., & Othman, S. N. (2013). Impact of lean practices on operations performance and business performance: some evidence from Indonesian manufacturing companies. Journal of manufacturing technology management.

    Ndedi, A., & Ekeme, A. (2017). Implementation of Lean Banking and Continuous Improvement in an African Global Bank: The United Bank for Africa Humanistic Management Association. Humanistic Management Association.

    Ngango, A., Mbabazize, M., & Shukla, J. (2015). E-banking and performance of Commercial Banks in Rwanda. A Case of Bank of Kigali. European Journal of Accounting Auditing and Finance Research, 3(4), 25-57.

    Nievas Soriano, B. J., García Duarte, S., Fernández Alonso, A. M., Bonillo Perales, A., & Parrón Carreño, T. (2020). Validation of a questionnaire developed to evaluate a pediatric ehealth website for parents. International journal of environmental research and public health, 17(8), 2671.

    Njagi, J., M., & Muli, S., M. (2020). Influence of Supply Chain Integration Practices on the Performance of Manufacturing Firms in Kenya a Case of Kenya Breweries Limited. International Journal of Business and Social Research, 10(1).

    Nunnally, J., & Bernstein, I. (1994). Psychometric Theory 3rd edition (MacGraw-Hill, New York).

    Nure, G. (2018). Customer relationship management in banking system (Case of Kosovo). Journal of Internet Banking and Commerce, 23(1), 1-7.

    Nyenwa, J. (2005). Managing Procurement and Logistics of HIV/AIDS Drugs and Related Supplies. World Bank Training Program.

    Okyere, S., Annan, J., & Anning, K. S. (2015). Evaluating the effect of lead time on quality service delivery in the banking industry in Kumasi Metropolis of Ghana. Journal of Arts and Humanities, 4(7), 29-44.

    Pakurár, M., Haddad, H., Nagy, J., Popp, J., & Oláh, J. (2019). The impact of supply chain integration and internal control on financial performance in the Jordanian banking sector. Sustainability, 11(5), 1248.

    Pandian, R. (2013). An analysis of effective financial supply chain management. International Journal of Advanced Research in Management and Social Sciences, 2(8).

    Pasutham, A. (2012). Supply chain performance measurement framework: Case studies on the Thai manufacturers. Aston University.

    Ponduri, S. (2016). Quality of human resource information systems at commercial bank of Ethiopia (a case study of dessie district at dessie, Ethiopia). Int. J. Res, 4, 31-41.

    Popa, V. (2013). The financial supply chain management: a new solution for supply chain resilience. Amfiteatru Economic Journal, 15(33), 140-153.

    Power, D. (2005). Supply chain management integration and implementation: a literature review. Supply Chain Management: An International Journal.

    Seman, N. A. A., Hatta, Z. N. M., Kamaruddi, N. K., Mustaffa, F. Y., & Ahmad, N. (2020). The Relationship between Lean Management Practices and Operational Performance in Service Sector. Solid State Technology, 63(3), 1879-1890.

    Shode, K. T. (2017). Determinants and outcome of customer satisfaction at the commercial bank of Ethiopia: Evidence from Addis Ababa. African Journal of Marketing Management, 9(7), 107-119.

    Silvestro, R., & Lustrato, P. (2014). Integrating financial and physical supply chains: the role of banks in enabling supply chain integration. International journal of operations & production management.

    Singh, R. K., & Kumar, R. (2020). Strategic issues in supply chain management of Indian SMEs due to globalization: an empirical study. Benchmarking: An International Journal.

    Storey, J., Emberson, C., Godsell, J., & Harrison, A. (2006). Supply chain management: theory, practice and future challenges. International journal of operations & production management.

    Sukati, I., Sanyal, S., & Awaain, A. M. B. (2020). Supply Chain Management Practices and Organizational Performance: An Investigation from Service Industry. Int. J Sup. Chain. Mgt Vol, 9(3), 207.

    Uchehara, F., O. (2019). Effect of Micro, Small and Medium Enterprises (MSMEs) in Sustainable Rural Development in Nigeria. Small and Medium Enterprises (MSMEs) in Sustainable Rural Development in Nigeria (June 30, 2019).

    Urbano, R. C. (2013). Using Secondary Datasets to Understand Persons with Developmental Disabilities and their Families: Elsevier Science.

    Vadivel, S. M., Sequeira, A. H., Sakkariyas, R. R., & Boobalan, K. (2021). Impact of lean service, workplace environment, and social practices on the operational performance of India post service industry. Annals of Operations Research, 1-26.

    Wachira, E. M. (2011). Supply chain relationships in Kenyan banks: a case study of Barclays bank of Kenya.

    Wachira, J., & Were, S. (2016). Effect of customer relationship management on perceived organizational performance: A case study of family bank limited. The Strategic Journal of Business and Change Management, 3(2/15), 321-343.

    Williams, C. (2007). Research Methods, Journal of Business & Economic Research–March 2007 Volume 5, Number 3: New York: Grand Canyon University.

    Yuliansyah, Y., & Jermias, J. (2018). Strategic performance measurement system, organizational learning and service strategic alignment.

  1. Abera, Y. (2012). Organizational Culture of Commercial Bank of Ethiopia In Addis Ababa.
  2. Abi, D. (2017). School of Commerece Department of Logistics and Supply Chain Mangement. Addis Ababa University.
  3. Adaku, E., Famiyeh, S., Anderson, C., & Amoako-Gyampah, K. Supply chain practices and firm performance: Evidence from some selected commercial banks in Ghana.
  4. Agnihotri, M., & Bhavani, M. (2015). Impact of the customer relationship management practices on the profitability of UAE public and private sector banks: A comparative study. Journal of Contemporary Management Sciences, 4(2), 55-71.
  5. Agresti, A., & Franklin, C. A. (2007). Statistics: The Art and Science of Learning from Data: Pearson Prentice Hall.
  6. Ahmed, F. (2017). Factors affecting the implementation of enterprise resource planning at commercial bank of Ethiopia: Addis Ababa University. Addis Ababa, Ethiopia.
  7. Alghusin, N. A. S., Alsmadi, A. A., Alqtish, A. M., & Al-Qirem, R. (2017). The Relationship between E-Banking Services and Profitability Jordanian Banks as a Case. International Journal of Economics and Finance, 9(5), 114-120.
  8. Alshurideh, M., Alsharari, N. M., & Al Kurdi, B. (2019). Supply chain integration and customer relationship management in the airline logistics. Theoretical Economics Letters, 9(02), 392.
  9. Anggraini, D., Hamiza, A., Doktoralina, C. M., & Anah, S. (2018). Application of supply chain management practices in banks: Evidence from Indonesia. International Journal of Supply Chain Management, 7(5), 418-427.
  10. Annan, J., Otchere, A., F., & Daniel, A., A. (2013). Assessing Supply Chain Management Practices on Organizational Performance; a Case Study of the West African Examinations Council (Waec), Ghana National Office, Accra. American Based Research Journal, 2(6).
  11. Anyanful, T. K., & Nartey, E. D. (2015). Critical Success Factors in Supply Chain Management in the Banking Sector in Ghana. Int J Bus Manag, 5(1), 1-14.
  12. Awad, D. (2010). Supply chain integration: definition and challenges. Management and Technology (IJIMT), 1(1).
  13. Azadegan, A., Syed, T. A., Blome, C., & Tajeddini, K. (2020). Supply chain involvement in business continuity management: effects on reputational and operational damage containment from supply chain disruptions. Supply Chain Management: An International Journal.
  14. Baag, P. K., Kavitha, P., & Sarkar, A. (2019). Application of lean tool for process improvement of bank branches. IIM Kozhikode Society & Management Review, 8(2), 131-142.
  15. Binuyo, A. O., & Aregbeshola, R. A. (2014). The impact of information and communication technology (ICT) on commercial bank performance: evidence from South Africa. Problems and perspectives in management, 12(3), 59-68.
  16. Boubakary, B., & Moskolaï, D. D. (2016). The influence of the implementation of CSR on business strategy: An empirical approach based on Cameroonian enterprises. Retrieved from
  17. Chen, H., Daugherty, P. J., & Landry, T. D. (2009). Supply chain process integration: a theoretical framework. Journal of business logistics, 30(2), 27-46.
  18. Chow, W., S,, Madu, C., N,, Kuei, C.-H., Lu, M., H,, Lin, C., & Tseng, H. (2008). Supply chain management in the US and Taiwan: An empirical study. Omega, 36(5).
  19. Chowdhury, A. Y., Alam, M. Z., & Habib, M. M. (2017). Supply Chain Management Practices in Services Industry: An Empirical Investigation on Some Selected Services Sector of Bangladesh. International Journal of Supply Chain Management, 6, 152-162.
  20. Dechow, P. M., Sloan, R. G., & Sweeney, A. P. (1995). Detecting earnings management. Accounting review, 193-225.
  21. Dehgani, R., & Navimipour, N. J. (2019). The impact of information technology and communication systems on the agility of supply chain management systems. Kybernetes.
  22. dos Santos, J. X., & Cabrita, M. (2016). Lean Banking: Application of lean concepts and tools to the banking industry. Paper presented at the The 2016 International Conference on Systematic Innovation.
  23. Eklof, J., Podkorytova, O., & Malova, A. (2020). Linking customer satisfaction with financial performance: an empirical study of Scandinavian banks. Total Quality Management & Business Excellence, 31(15-16), 1684-1702.
  24. Elamir, E., & Sadeq, H. (2010). Ordinal Regression To Analyze Employees Attitudes Towards The Application Of Total Quality Management. Journal of applied quantitative methods, 5(4).
  25. Elgazzar, S., & Elzarka, S. (2017). Supply chain management in the service sector: an applied framework. The Business & Management Review, 8(5), 118-130.
  26. Etale, L. M., Bingilar, P. F., & Ifurueze, M. S. (2016). Market share and profitability relationship: A study of the banking sector in Nigeria. International Journal of Business, Economics and Management, 3(8), 103-112.
  27. Fernando, Y., & Wulansari, P. (2020). Perceived understanding of supply chain integration, communication and teamwork competency in the global manufacturing companies. European Journal of Management and Business Economics.
  28. Flynn, B. B., Huo, B., & Zhao, X. (2010). The impact of supply chain integration on performance: A contingency and configuration approach. Journal of operations management, 28(1), 58-71.
  29. Githeu, C. N. (2014). Supply chain management practices and Performance of commercial banks in Kenya. University of Nairobi.
  30. Hosseini, M. H., & Hosseini, V. S. (2013). The impact of co-production on customer loyalty in banking services: A case of Saman Bank.
  31. Kanakana, M. (2013). Lean is service industry. SAIIE24 proceedings.
  32. Kariuki, P. W. (2014). E-procurement and supply chain management the case of standard chartered bank of Kenya.
  33. Kedir, Z. (2017). Assessment on the Logistic Outsourcing Practice of Commercial Bank of Ethiopia. (Master), Addis Ababa University, Ethiopia.
  34. Khan, Z. A., Ahmad, M., & Butt, S. (2019). Implementation of lean practices in banks: a qualitative research. Independent Journal of Management & Production, 10(2), 489-498.
  35. Kim, D.-Y. (2013). Relationship between supply chain integration and performance. Operations Management Research, 6(1), 74-90.
  36. Kimani, P., W. (2016). Supply Chain Integration and Performance of Commercial Banks in Kenya. Nairobi University, Kenya.
  37. Kiprop, K., & Njeru, A. (2015). Effects of supply chain management practices on the performance of Banks in Kenya: A Case of Postbank. International Journal of Computer Applications Technology and Research, 4(7), 556-565.
  38. Kumar, A., & Kushwaha, G. (2018). Supply chain management practices and operational performance of fair price shops in India: an empirical study. LogForum, 14(1).
  39. Lambert, D. M., & Cooper, M. C. (2000). Issues in supply chain management. Industrial marketing management, 29(1), 65-83.
  40. Lee, C.-F., Mundy, L. G., Stone, J. M., & Ostriker, E. C. (2002). CO outflows from young stellar objects. The Astrophysical Journal, 576(1), 294.
  41. Letonja, M., Duh, M., & Ženko, Z. (2021). Knowledge transfer for innovativeness in family businesses. Serbian Journal of Management, 16(1), 181-199.
  42. Li, S., Ragu-Nathan, B., Ragu-Nathan, T., & Rao, S. S. (2006). The impact of supply chain management practices on competitive advantage and organizational performance. Omega, 34(2), 107-124.
  43. Magenda, J. (2014). Determinants of supply chain performance among commercial banks in Kenya. University Of Nairobi.
  44. Majeed, S. (2011). The impact of competitive advantage on organizational performance. European Journal of Business and Management, 3(4), 191-196.
  45. Matore, E. M., & Khairani, A. Z. (2020). The pattern of skewness and kurtosis using mean score and logit in measuring adversity quotient (AQ) for normality testing. Int J Future Gener Commun Netw, 13(1), 688-702.
  46. Mayaka, R. K. (2015). Effect of supply chain management practices on performance of Barclays Bank of Kenya Limited. University of Nairobi.
  47. Metzinger, A., & Latif, N. (2003). Lean manufacturing techniques reduce lead time for implant production. Paper presented at the 2003 Annual Conference.
  48. Mishra, S. S., & Pradhan, B. B. (2020). SUPPLY CHAIN MANAGEMENT AND INTEGRATION CONTROL. PalArch's Journal of Archaeology of Egypt/Egyptology, 17(6), 5401-5409.
  49. Mosadeghrad, A. M., Ferlie, E., & Rosenberg, D. (2008). A study of the relationship between job satisfaction, organizational commitment and turnover intention among hospital employees. Health services management research, 21(4), 211-227.
  50. Muluadam, A. (2014). Internal Supply Chain Performance Analysis Of Ethio Telecom. ST. MARY’S UNIVERSTY.
  51. Mutinda, A. M. (2013). Value chain and competitive advantage in Commercial banks in Kenya. University of Nairobi.
  52. Nawanir, G., Teong, L. K., & Othman, S. N. (2013). Impact of lean practices on operations performance and business performance: some evidence from Indonesian manufacturing companies. Journal of manufacturing technology management.
  53. Ndedi, A., & Ekeme, A. (2017). Implementation of Lean Banking and Continuous Improvement in an African Global Bank: The United Bank for Africa Humanistic Management Association. Humanistic Management Association.
  54. Ngango, A., Mbabazize, M., & Shukla, J. (2015). E-banking and performance of Commercial Banks in Rwanda. A Case of Bank of Kigali. European Journal of Accounting Auditing and Finance Research, 3(4), 25-57.
  55. Nievas Soriano, B. J., García Duarte, S., Fernández Alonso, A. M., Bonillo Perales, A., & Parrón Carreño, T. (2020). Validation of a questionnaire developed to evaluate a pediatric ehealth website for parents. International journal of environmental research and public health, 17(8), 2671.
  56. Njagi, J., M., & Muli, S., M. (2020). Influence of Supply Chain Integration Practices on the Performance of Manufacturing Firms in Kenya a Case of Kenya Breweries Limited. International Journal of Business and Social Research, 10(1).
  57. Nunnally, J., & Bernstein, I. (1994). Psychometric Theory 3rd edition (MacGraw-Hill, New York).
  58. Nure, G. (2018). Customer relationship management in banking system (Case of Kosovo). Journal of Internet Banking and Commerce, 23(1), 1-7.
  59. Nyenwa, J. (2005). Managing Procurement and Logistics of HIV/AIDS Drugs and Related Supplies. World Bank Training Program.
  60. Okyere, S., Annan, J., & Anning, K. S. (2015). Evaluating the effect of lead time on quality service delivery in the banking industry in Kumasi Metropolis of Ghana. Journal of Arts and Humanities, 4(7), 29-44.
  61. Pakurár, M., Haddad, H., Nagy, J., Popp, J., & Oláh, J. (2019). The impact of supply chain integration and internal control on financial performance in the Jordanian banking sector. Sustainability, 11(5), 1248.
  62. Pandian, R. (2013). An analysis of effective financial supply chain management. International Journal of Advanced Research in Management and Social Sciences, 2(8).
  63. Pasutham, A. (2012). Supply chain performance measurement framework: Case studies on the Thai manufacturers. Aston University.
  64. Ponduri, S. (2016). Quality of human resource information systems at commercial bank of Ethiopia (a case study of dessie district at dessie, Ethiopia). Int. J. Res, 4, 31-41.
  65. Popa, V. (2013). The financial supply chain management: a new solution for supply chain resilience. Amfiteatru Economic Journal, 15(33), 140-153.
  66. Power, D. (2005). Supply chain management integration and implementation: a literature review. Supply Chain Management: An International Journal.
  67. Seman, N. A. A., Hatta, Z. N. M., Kamaruddi, N. K., Mustaffa, F. Y., & Ahmad, N. (2020). The Relationship between Lean Management Practices and Operational Performance in Service Sector. Solid State Technology, 63(3), 1879-1890.
  68. Shode, K. T. (2017). Determinants and outcome of customer satisfaction at the commercial bank of Ethiopia: Evidence from Addis Ababa. African Journal of Marketing Management, 9(7), 107-119.
  69. Silvestro, R., & Lustrato, P. (2014). Integrating financial and physical supply chains: the role of banks in enabling supply chain integration. International journal of operations & production management.
  70. Singh, R. K., & Kumar, R. (2020). Strategic issues in supply chain management of Indian SMEs due to globalization: an empirical study. Benchmarking: An International Journal.
  71. Storey, J., Emberson, C., Godsell, J., & Harrison, A. (2006). Supply chain management: theory, practice and future challenges. International journal of operations & production management.
  72. Sukati, I., Sanyal, S., & Awaain, A. M. B. (2020). Supply Chain Management Practices and Organizational Performance: An Investigation from Service Industry. Int. J Sup. Chain. Mgt Vol, 9(3), 207.
  73. Uchehara, F., O. (2019). Effect of Micro, Small and Medium Enterprises (MSMEs) in Sustainable Rural Development in Nigeria. Small and Medium Enterprises (MSMEs) in Sustainable Rural Development in Nigeria (June 30, 2019).
  74. Urbano, R. C. (2013). Using Secondary Datasets to Understand Persons with Developmental Disabilities and their Families: Elsevier Science.
  75. Vadivel, S. M., Sequeira, A. H., Sakkariyas, R. R., & Boobalan, K. (2021). Impact of lean service, workplace environment, and social practices on the operational performance of India post service industry. Annals of Operations Research, 1-26.
  76. Wachira, E. M. (2011). Supply chain relationships in Kenyan banks: a case study of Barclays bank of Kenya.
  77. Wachira, J., & Were, S. (2016). Effect of customer relationship management on perceived organizational performance: A case study of family bank limited. The Strategic Journal of Business and Change Management, 3(2/15), 321-343.
  78. Williams, C. (2007). Research Methods, Journal of Business & Economic Research–March 2007 Volume 5, Number 3: New York: Grand Canyon University.
  79. Yuliansyah, Y., & Jermias, J. (2018). Strategic performance measurement system, organizational learning and service strategic alignment.