{"id":18001,"date":"2026-10-01T09:31:46","date_gmt":"2026-10-01T09:31:46","guid":{"rendered":"https:\/\/www.hnjournal.net\/7-10-28\/"},"modified":"2026-10-01T09:31:46","modified_gmt":"2026-10-01T09:31:46","slug":"7-10-28","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/en\/7-10-28\/","title":{"rendered":"Article 28"},"content":{"rendered":"<div class=\"journal-article\" style=\"margin-bottom: 20px;\"><h3 style='text-align: right; font-family:Simplified Arabic;'>\u0645\u0639\u0648\u0642\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0645\u0627\u0644\u0643\u064a\u0647\u0627: \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0641\u064a \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628<\/h3><p style='text-align:right; font-weight:bold; direction:rtl;'>\u062f. \u0639\u0628\u062f \u0627\u0644\u0644\u0647 \u0645\u0628\u062e\u0648\u062a \u0623\u0628\u0648\u0646\u0633\u0631\u0627\u0646<sup>1<\/sup>\u060c \u0623.\u0645. \u062f \u0641\u0647\u0645\u064a \u0634\u0639\u0628\u0627\u0646 \u0641\u0631\u0627\u0631\u0647<sup>2<\/sup><\/p><div style='direction:rtl; text-align:right; font-size:12px; line-height:1.5;'><p><sup>1<\/sup> \u0623\u0633\u062a\u0627\u0630 \u0645\u0633\u0627\u0639\u062f\u060c \u0627\u0644\u0623\u0643\u0627\u062f\u064a\u0645\u064a\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0644\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0645\u0623\u0631\u0628\u060c \u0627\u0644\u064a\u0645\u0646.<\/p><p><sup>2<\/sup> \u0623\u0633\u062a\u0627\u0630 \u0645\u0634\u0627\u0631\u0643\u060c \u062c\u0627\u0645\u0639\u0629 \u0633\u064a\u0626\u0648\u0646\u060c \u0639\u0645\u064a\u062f \u0643\u0644\u064a\u0629 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0633\u064a\u0626\u0648\u0646\u060c \u0627\u0644\u064a\u0645\u0646.<\/p><\/div><h4 style='text-align:left; direction:ltr; unicode-bidi:embed; font-family:Times New Roman;'>Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate<\/h4><p style='text-align:left; font-weight:bold; direction:ltr; margin-top:12px;'>Dr. Abdullah Mabkhout Abunusran\u00b9, Assoc. Prof. Dr. Fahmi Shaaban Fararah\u00b2<\/p><div style='direction:ltr; text-align:left; font-size:12px; line-height:1.7; margin-bottom:10px;'><p style='margin:0 0 8px 0;'><sup>1<\/sup> Assistant Professor, Arab Academy for Administrative, Financial and Banking Sciences, Marib, Yemen.<br><span style=\"font-size:12px;\">Email:<\/span> nasra504@gmail.com<\/p><p style='margin:0 0 8px 0;'><sup>2<\/sup> Associate Professor, Seiyun University; Dean of Community College, Seiyun, Yemen.<\/p><\/div><p style='text-align:left;'><strong>DOI:<\/strong> <a href='https:\/\/doi.org\/https:\/\/doi.org\/10.53796\/hnsj710\/28' target='_blank' rel='noopener'>https:\/\/doi.org\/10.53796\/hnsj710\/28<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u0639\u0631\u0641 \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u0639\u0631\u0628\u064a \u0644\u0644\u0623\u0628\u062d\u0627\u062b:<\/strong> <a href='https:\/\/arsri.org\/10000\/710\/28' target='_blank' rel='noopener'>https:\/\/arsri.org\/10000\/710\/28<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u062c\u0644\u062f (7) \u0627\u0644\u0639\u062f\u062f (10). \u0627\u0644\u0635\u0641\u062d\u0627\u062a:<\/strong> 505 - 536<\/p><p style='text-align: right;'><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644:<\/strong> 2026-09-10 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644:<\/strong> 2026-09-20 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631:<\/strong> 2026-10-01<\/p><p><a href='\/volume7\/issue10\/7-10-28.pdf' target='_blank' rel='noopener' style='background-color:green;color:white;padding:10px 15px;text-decoration:none;border-radius:5px;'>Download PDF<\/a><\/p>\r\n<style>\r\n.hnsj-cite-btn{\r\n  display:inline-flex; 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Prof. Dr. Fahmi Shaaban Fararah\u00b2&quot;,&quot;authors_ar&quot;:&quot;\u062f. \u0639\u0628\u062f \u0627\u0644\u0644\u0647 \u0645\u0628\u062e\u0648\u062a \u0623\u0628\u0648\u0646\u0633\u0631\u0627\u0646\u060c \u0623.\u0645. \u062f \u0641\u0647\u0645\u064a \u0634\u0639\u0628\u0627\u0646 \u0641\u0631\u0627\u0631\u0647&quot;,&quot;title_en&quot;:&quot;Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate&quot;,&quot;title_ar&quot;:&quot;\u0645\u0639\u0648\u0642\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0645\u0627\u0644\u0643\u064a\u0647\u0627: \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0641\u064a \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628&quot;,&quot;journal_en&quot;:&quot;Humanities &amp; Natural Sciences Journal&quot;,&quot;journal_ar&quot;:&quot;\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629&quot;,&quot;year&quot;:&quot;2026&quot;,&quot;volume&quot;:&quot;7&quot;,&quot;issue&quot;:&quot;10&quot;,&quot;doi&quot;:&quot;https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;url&quot;:&quot;https:\\\/\\\/www.hnjournal.net\\\/ar\\\/7-10-28\\\/&quot;,&quot;published_at&quot;:&quot;2026-10-01&quot;}' data-cit-en='{&quot;APA&quot;:&quot;Abunusran A. M, Fararah F. S. (2026). Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate. Humanities &amp; Natural Sciences Journal, 7(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;Chicago&quot;:&quot;Abunusran Abdullah Mabkhout, Fararah Fahmi Shaaban. 2026. \\&quot;Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate.\\&quot; Humanities &amp; Natural Sciences Journal 7, no. 10. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;Harvard&quot;:&quot;Abunusran A. M, Fararah F. S. 2026. Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate. Humanities &amp; Natural Sciences Journal. [Internet] 2026-10-01. [Cited 2026-10-01]. 7(10). Available at: https:\\\/\\\/www.hnjournal.net\\\/ar\\\/7-10-28\\\/. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;Vancouver&quot;:&quot;Abunusran A. M, Fararah F. S. Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate. Humanities &amp; Natural Sciences Journal. [Internet]. 2026-10-01; 7(10). Available from: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;IEEE&quot;:&quot;Abunusran A. M, Fararah F. S, \\&quot;Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate,\\&quot; Humanities &amp; Natural Sciences Journal, vol. 7, no. 10, 2026. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;MLA&quot;:&quot;Abunusran Abdullah Mabkhout, Fararah Fahmi Shaaban. \\&quot;Financing Constraints Facing Small Enterprises from the Perspective of Their Owners: A Field Study in Marib Governorate.\\&quot; Humanities &amp; Natural Sciences Journal, vol. 7, no. 10, 2026-10-01, https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;}' data-cit-ar='{&quot;APA&quot;:&quot;\u0623\u0628\u0648\u0646\u0633\u0631\u0627\u0646 \u0639. \u0645\u060c \u0641\u0631\u0627\u0631\u0647 \u0641. \u0634. (2026). \u0645\u0639\u0648\u0642\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0645\u0627\u0644\u0643\u064a\u0647\u0627: \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0641\u064a \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 7(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;Chicago&quot;:&quot;\u0623\u0628\u0648\u0646\u0633\u0631\u0627\u0646 \u0639\u0628\u062f \u0627\u0644\u0644\u0647 \u0645\u0628\u062e\u0648\u062a\u060c \u0641\u0631\u0627\u0631\u0647 \u0641\u0647\u0645\u064a \u0634\u0639\u0628\u0627\u0646. 2026. \u00ab\u0645\u0639\u0648\u0642\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0645\u0627\u0644\u0643\u064a\u0647\u0627: \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0641\u064a \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 7(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj710\\\/28&quot;,&quot;Harvard&quot;:&quot;\u0623\u0628\u0648\u0646\u0633\u0631\u0627\u0646 \u0639. \u0645\u060c \u0641\u0631\u0627\u0631\u0647 \u0641. \u0634. \u0645\u0639\u0648\u0642\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0645\u0627\u0644\u0643\u064a\u0647\u0627: \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0641\u064a \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. 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\u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629.<\/p><p style='text-align:right;'><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong> \u0645\u0639\u0648\u0642\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u061b \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629\u061b \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u061b \u0645\u062d\u0627\u0641\u0638\u0629 \u0645\u0623\u0631\u0628.<\/p><p style='text-align:justify; direction:ltr;'><strong>Abstract: <\/strong> This study aimed to identify the level of financing constraints facing small enterprises in Marib Governorate from the perspective of their owners and to examine differences in their assessments according to age, educational qualification, years of experience, type of business activity, and type of financing. The study adopted a descriptive survey methodology. The population consisted of 1,126 owners of small enterprises registered with the Office of Industry and Commerce in Marib Governorate. A stratified random sample of 287 owners was selected, of whom 281 valid questionnaires were obtained, representing a response rate of 97.9%. Data were collected using a 40-item questionnaire covering five dimensions: financial, economic, administrative, legislative, and cultural constraints. The overall Cronbach\u2019s alpha coefficient was 0.924. Data were analyzed using arithmetic means, standard deviations, the t-test, one-way analysis of variance (ANOVA), and appropriate post-hoc tests. The results revealed a high level of financing constraints across all dimensions. Financial constraints ranked first, with a mean of 3.948, followed by economic constraints (3.798), legislative constraints (3.739), cultural constraints (3.641), and administrative constraints (3.606). No statistically significant differences were found in the overall level of financing constraints according to age, educational qualification, or years of experience, whereas significant differences were found according to business activity and type of financing. The study concluded that financing constraints extend beyond limited financial resources to include difficulties in accessing appropriate financing, credit conditions, availability of information, economic and institutional conditions, and financing culture. The study recommended expanding institutional financing, developing alternative guarantee mechanisms, simplifying financing procedures, and strengthening the financial and accounting capabilities of small enterprise owners.<\/p><p style='direction:ltr; text-align:left;'><strong>Keywords: <\/strong> Financing Constraints; Small Enterprises; Financing; Marib Governorate.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_joinchat":[],"footnotes":""},"class_list":["post-18001","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages\/18001","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/comments?post=18001"}],"version-history":[{"count":0,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages\/18001\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/media?parent=18001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}