Template-Type: ReDIF-Article 1.0
Author-Name: Ali, Omer Mohamed
Author-Name-First: Omer Mohamed
Author-Name-Last: Ali
Author-Email: amaralomar226@gmail.com
Author-Workplace-Name: University of Sharia Science, Libya,
Author-Name: Yakhlf, Mahmoud Abdualaziz Y.
Author-Name-First: Mahmoud Abdualaziz Y.
Author-Name-Last: Yakhlf
Author-Email: m.yakhlf@azu.edu.ly
Author-Workplace-Name: Department of Accounting, Faculty of Commerce, Azzaytuna University, Tarhunah, Libya,
Author-Name: Aghel, Mohamed
Author-Name-First: Mohamed
Author-Name-Last: Aghel
Author-Email: mohmmed.3geel@gmail.com
Author-Workplace-Name: Management and Science University, Shah Alam, Malaysia.
Author-Name: Drhoub, Abdulhadi Mohamed Alhadi
Author-Name-First: Abdulhadi Mohamed Alhadi
Author-Name-Last: Drhoub
Author-Email: abuanastanger@gmail.com
Author-Workplace-Name: Azzaytuna University, Tarhunah, Libya.
Title: The role of Training Skills on the Relationship between Financial Services and Organization Performance among Small and Medium Enterprises in Libya
Abstract: This study investigates the impact of financial services on SME performance in Libya, examining training skills as a mediating mechanism. Using a quantitative research design, data were collected via a structured questionnaire distributed to 530 SMEs, with 392 valid responses obtained, representing a 74% response rate. The study employs PLS-SEM to assess direct and indirect relationships among constructs. The results indicate that financial services positively and significantly influence both SME performance and training skills. Training skills, in turn, positively affect SME performance and mediate the relationship between financial services and performance. These findings underscore that access to financial resources alone is insufficient; SMEs must possess internal capabilities, particularly through training, to effectively utilize financial services for enhanced outcomes. The study contributes to human capital and capability-based perspectives in fragile economies and provides practical insights for policymakers, financial institutions, and SME managers, emphasizing the importance of integrating financial support with targeted skill development initiatives to achieve sustainable SME growth.
Keywords: SME Performance, Financial Services, Training Skills, PLS-SEM, Libya, Human Capital
Journal: International Review of Management and Marketing
Pages: 184-192
Volume: 16
Issue: 3
Year: 2026
Month: 03
DOI: 10.32479/irmm.22587
File-URL: https://econjournals.com/index.php/irmm/article/download/22587/9921
File-Format: application/pdf
Handle: RePEc:eco:journ3:v:16:y:2026:i:3:id:22587