Arab Journal of Management, Banking, and Financial Studies (AJMBFS) is a peer reviewed, open access scientific journal, published biannually by the Arab Academy for Management, Banking and Financial Sciences, Yemen.  AJMBFS publishes empirical and theoretical research articles in the fields of management, banking and financial sciences.  All accepted manuscripts will be published online. Originality, rigorous methodology, importance of the content, and adherence to ethical standards are essentially considered.