Bernsah Damian Lawong*
Department of Economics
Ahmadu Bello University Business School
Ahmadu Bello University (ABU), Zaria, Nigeria
Email: lawongd@yahoo.com
Phone: +2348065694285

Diltokka. Gideon Kevin
Distance Learning Center
Ahmadu Bello University (ABU), Zaria, Nigeria
kdgi456@gmail.com
