EKSU Journal of Management Research (EJMR) . JOURNALS OF EKITI STATE UNIVERSITY, ADO EKITI, EKITI STATE, [S. l.], v. 4, n. 1, 2025. Disponível em: https://eksujournal.eksu.edu.ng/ojs/index.php/njbfi/article/view/108.. Acesso em: 12 oct. 2025.