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This research examined bankers’ perceptions of environmental sources of financial risks and its impact on commercial banks in Ghana. Primary data was collected from a purposive sample of ninety-six (96) middle–level bank managers using structured questionnaires. Time series secondary data on banking performance (denoted as ROA and ROE) and stability (denoted as CAR and NPLR) and growth of five major industrial businesses (including agriculture, mining, construction, manufacturing, and trade) as the environmental sources of financial risks, for a period of 13 years (2006-2018) was further obtained for analysis. Data was analyzed using the sample t-test and the multivariate dynamic panel regression model. The results show that, in bank lending, mining was perceived to be the topmost source of indirect environmental risk (credit and reputational risks), while agriculture was perceived to be the leading source of direct environmental risk (business risk). We found that perceptions of environmental sources of financial risk by mangers of locally owned banks differed from that of foreign owned banks. Growth of mining, trade and manufacturing positively influenced banking performance while the growth of construction and agriculture negatively influence banking stability. The study thus provides supportive evidence that commercial banks require set standards that guide clients’ business towards environmental sustainability

This article investigates the impact of Supply Chain Relationship Management (SCRM) on operational efficiency, with a specific focus on the mediating role of information sharing. SCRM has been widely recognized for promoting collaboration and improving operational outcomes in supply chains. However, the effectiveness of SCRM practices is significantly enhanced when accompanied by robust information-sharing mechanisms. The study utilizes Structural Equation Modeling (SEM) to analyze data collected from 108 supply chain professionals in the Sunyani Municipality, Ghana. The results show that information sharing plays a critical role in mediating the relationship between SCRM and operational efficiency, highlighting its importance as a mechanism for facilitating better coordination, reducing operational costs, and improving lead times. These findings offer valuable insights into how inter-organizational collaboration and effective information exchange contribute to operational improvements in supply chains, particularly within the pharmaceutical sector in developing economies. The study contributes both theoretical and practical perspectives on supply chain management.  

This article investigates the impact of Supply Chain Relationship Management (SCRM) on operational efficiency, with a specific focus on the mediating role of information sharing. SCRM has been widely recognized for promoting collaboration and improving operational outcomes in supply chains. However, the effectiveness of SCRM practices is significantly enhanced when accompanied by robust information-sharing mechanisms. The study utilizes Structural Equation Modeling (SEM) to analyze data collected from 108 supply chain professionals in the Sunyani Municipality, Ghana. The results show that information sharing plays a critical role in mediating the relationship between SCRM and operational efficiency, highlighting its importance as a mechanism for facilitating better coordination, reducing operational costs, and improving lead times. These findings offer valuable insights into how inter-organizational collaboration and effective information exchange contribute to operational improvements in supply chains, particularly within the pharmaceutical sector in developing economies. The study contributes both theoretical and practical perspectives on supply chain management.  

This research examined bankers’ perceptions of environmental sources of financial risks and its impact on commercial banks in Ghana. Primary data was collected from a purposive sample of ninety-six (96) middle–level bank managers using structured questionnaires. Time series secondary data on banking performance (denoted as ROA and ROE) and stability (denoted as CAR and NPLR) and growth of five major industrial businesses (including agriculture, mining, construction, manufacturing, and trade) as the environmental sources of financial risks, for a period of 13 years (2006-2018) was further obtained for analysis. Data was analyzed using the sample t-test and the multivariate dynamic panel regression model. The results show that, in bank lending, mining was perceived to be the topmost source of indirect environmental risk (credit and reputational risks), while agriculture was perceived to be the leading source of direct environmental risk (business risk). We found that perceptions of environmental sources of financial risk by mangers of locally owned banks differed from that of foreign owned banks. Growth of mining, trade and manufacturing positively influenced banking performance while the growth of construction and agriculture negatively influence banking stability. The study thus provides supportive evidence that commercial banks require set standards that guide clients’ business towards environmental sustainability