Prof. Rowland E. Worlu, Editor-in-Chief:, and Managing Editor: Edwin O. Agbaike. “Complete Version”. Covenant Journal of Business and Social Sciences 11, no. 1 (June 20, 2020). Accessed April 30, 2024. https://journals.covenantuniversity.edu.ng/index.php/cjbss/article/view/2155.