Nigerian Journal of Banking and Financial Issues (NJBFI). JOURNALS OF EKITI STATE UNIVERSITY, ADO EKITI, EKITI STATE, [S. l.], v. 10, n. 1, 2024. Disponível em: https://eksujournal.eksu.edu.ng/ojs/index.php/njbfi/article/view/11.. Acesso em: 14 oct. 2025.