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gujaf-264	www.gujaf.com.ng	http://www.gujaf.com.ng
gujaf-264	www.gujaf.com.ng	http://www.gujaf.com.ng
gujaf-264	orcid.org	https://orcid.org/0009-0009-6699-307x
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gujaf-264	doi.org	https://doi.org/10.57233/gujaf.v4i2.9
gujaf-264	doi.org	https://doi.org/10.1108/ribs-02-2021-0032
gujaf-264	doi.org	https://doi.org/10.24912/jm.v23i3.569
gujaf-264	doi.org	https://doi.org/10.1108/par08-2020-0111
gujaf-264	doi.org	https://doi.org/10.1177/0972150918824953
gujaf-264	doi.org	https://doi.org/10.2139/ssrn.1670397
gujaf-264	doi.org	https://doi.org/10.1037/a0028087
gujaf-264	doi.org	https://doi.org/10.1108/md-08-2014-0519
gujaf-264	doi.org	https://doi.org/10.2753/ree1540-496x460306
gujaf-264	doi.org	https://doi.org/10.1108/ribs-02-2021-0032
gujaf-264	doi.org	https://doi.org/10.24912/jm.v23i3.569
gujaf-264	doi.org	https://doi.org/10.1108/parhttps://doi.org/10.1177/0972150918824953
gujaf-264	doi.org	https://doi.org/10.2139/ssrn.1670397
gujaf-264	doi.org	https://doi.org/10.1037/a0028087
gujaf-264	doi.org	https://doi.org/10.1108/md-08-2014-0519
gujaf-264	doi.org	https://doi.org/10.2753/ree1540-496x460306
gujaf-264	doi.org	https://doi.org/10.1108/qrfm-122014-0031
gujaf-264	doi.org	https://doi.org/10.15224/978-1-63248-141-2-44
gujaf-264	www.jstor.org	http://www.jstor.org/stable/1809766
gujaf-264	doi.org	https://doi.org/10.1177/0972150919894395
gujaf-264	doi.org	https://doi.org/10.4102/ac.v21i1.965
gujaf-264	doi.org	https://doi.org/10.37745/ejaafr.2013/vol11n26283
gujaf-264	doi.org	https://doi.org/10.9790/083719179096
gujaf-264	doi.org	https://doi.org/10.1108/qrfm-12-2014-0031
gujaf-264	doi.org	https://doi.org/10.1108/qrfm-12-2014-0031
gujaf-264	doi.org	https://doi.org/10.15224/978-1-63248-141-2-44
gujaf-264	www.jstor.org	http://www.jstor.org/stable/1809766
gujaf-264	doi.org	https://doi.org/10.1177/0972150919894395
gujaf-264	doi.org	https://doi.org/10.4102/ac.v21i1.965
gujaf-264	doi.org	https://doi.org/10.37745/ejaafr.2013/vol11n26283
gujaf-264	doi.org	https://doi.org/10.9790/0837-19179096
gujaf-264	doi.org	https://doi.org/10.9790/0837-19179096
gujaf-264	doi.org	https://doi.org/10.33005/jasf.v3i2.65
gujaf-264	doi.org	https://doi.org/10.1016/j.jbankfin.2010.10.028
gujaf-264	doi.org	https://doi.org/10.1108/jabs-05-2015-0053
gujaf-264	doi.org	https://doi.org/10.1111/14678551.12237
gujaf-264	doi.org	https://doi.org/10.33005/jasf.v3i2.65
gujaf-264	doi.org	https://doi.org/10.1016/j.jbankfin.2010.10.028
gujaf-264	doi.org	https://doi.org/10.1108/jabs-05-2015-0053
gujaf-264	doi.org	https://doi.org/10.1111/1467-8551.12237
gujaf-264	doi.org	https://doi.org/10.1111/1467-8551.12237