ICIDR. International Journal of Finance and Management in Practice (IJFMP) : ISSN: 2360-7459(Print) | 2795-3084(Online). International Centre for Integrated Development Research, [S. l.], 2023. Disponível em: http://icidr.org.ng/index.php/home/article/view/100. Acesso em: 19 sep. 2024.