Jordan Journal of Business Administration

Impact of Microcredit on the Performance of Micro and Small Enterprises (MSEs) in Yemen: With the Mediating Role of the Beneficiaries' Satisfaction

Osamah Ahmed AL-Maamari — 2025-11-17

This study examined the impact of microcredit on the performance of Micro and Small Enterprises (MSEs) in Yemen, with the mediating role of the beneficiaries' satisfaction. To accomplish the goal of this study, descriptive and analytical research methods are adopted. The study focused on the owners of MSEs in Yemen who have access to microcredit. The total number of active clients who get credit from MFIs was 90,946 active clients, and the sample size was 398. Data was examined by using SPSS to provide quantitative descriptive statistics measures, and to evaluate the theoretical model of this study. PLS-SEM route modeling was utilized using Smart PLS 3.2.9 software, because it replicates the standard regression approach. PLS path modeling was judged the most acceptable technique in this study. Further, the results show that microcredit has a significant impact on profitability, sales growth, and employment growth, while it has no significant impact on the increase in assets. Beneficiaries' satisfaction mediates the relationship only with profitability, sales growth, and increase in assets, while having no significant impact on employment growth.

The Impact of Workaholism on Employees’ Work-Life Imbalance

Christian Wiradendi Wolor — 2025-11-17

This study examines the impact of workaholism on employees’ work-life imbalance and its relationship with their job satisfaction and stress, especially during COVID-19. The study uses a quantitative approach with structural equation modeling (SEM) to analyze data. The population of this study consisted of Jakarta employees engaged in the financial sector with a total sample of 203 people. The data was collected throughout April-August 2022. The results showed that workaholism does not affect work-life imbalance (b = 0,00, p = 0.00), work stress
(b = -0.33, p = -0.03), or job satisfaction (b = -0.19, p = -0.20). The work-life imbalance affects work stress
(b = 0.77, p = 0.77), does not affect job satisfaction (b = 0.20, p = 0.00), whereas work stress affects job satisfaction (b = 0.20, p = 0.00). The study's findings revealed that employees are not overburdened with work, because work-life imbalance, work stress, and job satisfaction remain unaffected. The study recommends that organizations create programs to transform this sense of imbalance into work-life balance, reduce stress, and increase job satisfaction.

Managers’ Motives behind the Quality of Segment Disclosure

Ahmad Abbas — 2025-11-17

This research underlines two perspectives to scrutinize the managers’ motives on the quality of segment disclosure. From the agency perspective, this research aims to find the effect of cost made by managers as the part of agency motive in disclosing information related to the business segment, while from the signaling perspective, this research also seeks to find the effect of business diversification as a signal to determine the disclosure quality of the segment. The sample included public firms listed in Indonesia. The nexus between variables was analyzed using fixed effect model with generalized least squares including cross-section weights and checked using robustness tests. The findings of this research disclose that the effect of cost made by managers is positive on the level of segment disclosure quality. They indicate that managers use the agency motive to improve the quality of the disclosure. The costs made by them through the transfer of funds across segments intend to manage the inefficient segment performances. This research also discloses that managers use business diversification as a signaling motive to spur the quality. In addition, the interplay function between quantity and quality is found. It means that the improved quality of segment disclosure reflects a larger quantity.

Small Business Maneuvering: The Efficacy of Synergized Innovation, Talent Management, and Impeding Culture for Improved Performance

Melia Dianingrum — 2025-11-17

The purposes of this study are: examining the effect of talent management on organizational performance being mediated by a synergized innovation climate and investigating the moderating power of organizational culture in the relationship between talent management and organizational performance. This study reports the responses of 292 owners of SMEs in Indonesia. The structural equation modeling (SEM) technique was used to test the hypotheses. Our findings fail to support the view that talent management has a positive effect on organizational performance. Synergized innovation climate appears to mediate the relationship between talent management and small business performance. In addition, organizational culture strengthened the relationship between talent management and organizational performance. Our research extends the application of cognitive social theory, whereby talent management functions as a value-adding activity within small business firms.

The Impact of Business Cycle on the Relationship between Working Capital Management and Profitability: A Moderation Analysis

Haneen Mohammed Aref AlAwamleh — 2025-11-17

The present study aims to examine the impact of the business cycle on the relationship between working capital management (WCM) and profitability in Jordanian manufacturing firms listed in the Amman Stock Exchange (ASE). The present research endeavors to analyze the effect of the business cycle on the association between WCM and the profitability of 38 manufacturing companies listed in the Amman Stock Exchange (ASE) during the period from 2009 to 2020. The dependent variable, return on Assets (ROA), is examined in conjunction with the independent variable, working capital management (WCM), while controlling for the variables of Firm Size and Leverage. Descriptive statistics, correlation analysis, and multiple regression are employed to test the hypotheses.

The findings indicate that the Cash Conversion Cycle (CCC) has a significant and negative impact on firm profitability, implying that reducing the cycle size can enhance profitability. Moreover, the results suggest that the business cycle has a slightly moderate, but statistically significant, relationship with the Cash Conversion Cycle and profitability. The results further reveal that Leverage has a detrimental effect on profitability, whereas Firm Size has a positive impact. This study provides valuable insights for stakeholders, such as creditors, investors, and managers, to make informed investment decisions and efficiently manage working capital.

The Influence of Internal Bank Financial Ratios on Murabaha Financing: Evidence from Indonesian Islamic Commercial Banks

Dirvi Surya Abbas — 2025-11-17

The main objective of this study is to investigate how internal bank financial ratios impact Murabaha financing in Indonesian Islamic banks. We examine the effects of the financing bank ratios as assessed by the financing to deposit ratio, capital adequacy ratio, Non-performing financing, and return on assets on Murabaha finance in Indonesian Shariah banks. A sample of 14 from 48 Indonesian commercial Islamic banks was used in this study. The sampling method employed a random-sampling technique. This study showed that Indonesian Islamic commercial banks' financing-to-deposit ratio significantly affected the financing of Murabaha. However, the Indonesian Islamic commercial banks that provide Murabaha financing have been severely impacted by the capital adequacy ratio, Non-performing financing, and return on assets. This study suggests that the assessment of the capital adequacy ratio be improved by appropriately adjusting the inclusion of violations in accordance with the circumstances of each country. With the use of the study's findings, it is hoped that potential investors will be inspired to take the amount of money being offered into account when choosing their investments. It is also anticipated that these factors will be considered as input for how Shariah commercial banks can affect Murabaha financing, so that Shariah commercial banks can be more cautious when applying Shariah accounting principles, particularly Murabaha financing, in a way that Shariah accounting standards are not improperly violated.

A Study on the Positive and Negative Effects of Conflict in Financial Performance of Channel Partners with Work Relationship As A Mediator

Ameer Hussain A — 2025-11-17

Conflict in the workplace is usually viewed with a negative connotation. Though there are different classifications of conflict depending on its nature, managers generalize that conflict hampers the working relationship and financial performance of the organization. This research paper focuses on grouping various types of conflict and their relative impacts on financial performance in B2B channel environment. The study also focused on assessing the role of work relationship as a mediating variable using SPSS process macros. A sample of 262 respondents was recruited via online and field visits among industrial pump distributors across India. Industrial pump distributors have been considered in this study, as they have their vested interest which is different from the manufacturer's objective, leaving a potential conflict environment. The findings of the study conclude that cognitive conflict results in positive financial outcomes, whereas affective conflict results in a negative financial outcome. Process conflict on its own does not have either positive or negative impacts. Moreover, work relationship acts as a full mediator between cognitive conflict and financial performance, whereas it acts as a partial mediator between affective conflict and financial performance. Hence, managers of channel partners need to encourage cognitive conflict and discourage affective conflict in their workplaces to have a constructive financial output. They also need to give special attention to the work relationship between the channel partners to have healthier conflict.