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Cited by 10Microfinance and Financial InclusionFinancial Literacy and BehaviorBanking stability, regulation, efficiency

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 access
AL-Maamari, Osamah Ahmed, Aljonaid, Nadeem, Alrefaei, Noufal·2025·Cogent Economics & Finance
DOI 10.1080/23322039.2025.2460083
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Abstract

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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Citations

Cites

Research works printed but not linked: 16

  1. Arora S. & Meenu. (2011). Rural microfinancing in Punjab. Department of Commerce and Business Managment Guru Nanak Dev University. http://hdl.handle.net/10603/18623
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  14. Sayed, G., & Trevedi, P. (2015). Role of micro finance institutions in development of micro-enterprises (MSMEs) in Mumbai-an empirical study. IOSR Journal of Economics and Finance, 1(2), 51–61. https://www.iosrjournals.org/iosr-jef/papers/SIFICO/Version-2/6.51-61.pdf
  15. Waliula, R. (2013). Relationship between microcredit and the growth of small and medium enterprises in Kenya (vol. 2). University of Nairobi.
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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
ORCID
Venue
Cogent Economics & Finance
Publisher
Informa UK Limited
Published
2025-02-06
Volume
13
Issue
1
ISSN
2332-2039 (ISSN-L)
DOI
10.1080/23322039.2025.2460083
OpenAlex
W4407261785
Cited by
10
References
75
Citations by year
2026: 6 · 2025: 4
FWCI
6.76
Type
journal article
Language
en
Open access
Licence
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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Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.