The DOI matches its Crossref record; 75 of the 75 references it cites were found in a registry or an index.
Impact of microcredit on the performance of micro and small enterprises (MSEs) in Yemen
Open accessAbstract
This study examines the impact of microcredit on the performance of Micro and Small Enterprises (MSEs) in Yemen, focusing on the mediating role of beneficiary satisfaction. Data was collected using a structured questionnaire from 398 MSE proprietors in Yemen who have accessed microcredit from Microfinance Institutions (MFIs). The study implemented a proportionate stratified random sampling technique to determine the sample size, and based on the sample size determination formula. The study employed descriptive analysis using SPSS and Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart PLS 3.2.9 software to analyze the relationships between microcredit, beneficiary satisfaction, and MSE performance. Findings indicate that microcredit significantly affects profitability, sales growth, and employment expansion among MSEs in Yemen. However, microcredit does not show a significant association with asset growth. Furthermore, beneficiary satisfaction mediates the relationship between microcredit and profitability, sales growth, and asset growth, highlighting its crucial role in maximizing the benefits of microfinance services. The study suggests policy recommendations to enhance microcredit effectiveness, including reducing interest rates, simplifying loan processes, enhancing beneficiary satisfaction, and integrating technology into MFI services.
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Metadata
- Authors
- AL-Maamari, O. A., Aljonaid, N., & Alrefaei, N.
- Affiliations
- Al-Razi University (YE)
- Qilu University of Technology (CN)
- Mangalore University (IN)
- Corresponding author
- Aljonaid, Nadeem
- Venue
- Cogent Economics & Finance
- Publisher
- Informa UK Limited
- Published
- 2025-02-06
- Volume
- 13
- Issue
- 1
- ISSN
- 2332-2039 (ISSN-L)
- OpenAlex
- W4407261785
- Cited by
- 10
- References
- 75
- Citations by year
- 2026: 6 · 2025: 4
- FWCI
- 6.76
- Type
- journal article
- Language
- en
- Open access
- gold
- doi.org
- Licence
- cc-by
- creativecommons.org/licenses/by/4.0/ (vor)
- doi.org/10.1080/policies-text-data-mining (tdm)
- Locations
- Cogent Economics & Finance (publishedVersion, cc-by)
- DOAJ (DOAJ: Directory of Open Access Journals) (submittedVersion, cc-by-sa)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
- Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy and Behavior
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
- Keywords
- microcredit, micro and small enterprises, microfinance institutions, beneficiary satisfaction, mediating effect, firm performance, profitability, sales growth, employment expansion, asset growth, Yemen
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- AL-Maamari, O. A., Aljonaid, N., & Alrefaei, N. (2025). Impact of microcredit on the performance of micro and small enterprises (MSEs) in Yemen. Cogent Economics & Finance. https://doi.org/10.1080/23322039.2025.2460083
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Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
