AUDU JIBRIN PH.D, A.; INE-TONBARAPA PH.D, M. M. FINANCIAL . BW Academic Journal, [S. l.], p. 12, 2023. Disponível em: https://www.bwjournal.org/index.php/bsjournal/article/view/1495. Acesso em: 26 jul. 2026.