Vol 11 Issue 3 July 2023-September 2023

Abstract: A successful and dependable money system is essential today to manage the growing complexity of financial transactions and guarantee the complete and efficient settlement of obligations. The Central Bank of Nigeria's (CBN) cashless approach strives to reduce costs, providing mobile payment services, removing existing barriers to financial empowerment for many Nigerians, and providing convenient banking services for urban, semi-urban, and rural people across the country. These platforms supply users with a variety of convenience, speed, and security for anything from mobile wallets to Internet banking. Nevertheless, in addition to its benefits come obstacles and worries. To guarantee the balanced effective utilization of cashless payment policies, challenges including data privacy, cybersecurity, infrastructure needs, and accessibility must be carefully considered. Although e-payment system acceptance can improve financial inclusion, it is crucial to make certain communities with limited resources (rural communities) not be left behind. By making smartphones accessible and inexpensive, increasing digital literacy & skills training, and creating user-friendly interfaces that are favorable to people with low levels of technology literacy, actions ought to be undertaken to close the digital gap.

Keywords: Cashless Policy, Cybersecurity, Electronic Payments, Mobile Payments, Technology.

Title: Cashless Policy and E-payment Systems in Nigeria: A Synthesis of Literature

Author: Moradeyo Adebanjo OTITOJU,  Aisha Ozioma ALIYU,  Anuolu Queensly OLAIYA, Stephanie Kyangtuk GAMBO

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 145-151

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Website: www.researchpublish.com

Published Date: 18-August-2023

Abstract: This study examined the international community sanctions resulting from the Russia-Ukraine conflict and how these sanctions have impacted the economy of Europe. The study clarified the concept of sanction and conflict. The Ex- Post Facto research design was used for the study. Accordingly, data was sourced through secondary sources like, textbooks, newspaper, journal articles, and internet. Qualitative analysis was used to analyse the data, although tables were presented where required. Evidences drawn from these sources were prudently examined in order to establish a reasonable trend from which conclusions were drawn. The study found out that Germany halted accreditation of the Nord Stream 2 gas pipeline, which was meant to carry natural gas from Russia straight to Europe. The finding also showed that combination of factors is expected to make Estonian economy to go into recession in 2022 as well as making the inflation to reach 10.2 percent, 2.4 percent, and 1.7 percent in 2022, 2023, and 2024, respectively. However, it was concluded that the sanctions that was given to Russia was expected to make Russia to end its war in Ukraine but the sanctions have not ended the war but has affected the economy of most countries in Europe.

Keywords: Economy, government, global, military, inflation, energy.

Title: THE INTERNATIONAL COMMUNITY SANCTIONS, ARISING FROM RUSSIA-UKRAINE CONFLICT AND ITS IMPACT ON EUROPEAN ECONOMY

Author: Tamunopubo Big-Alabo, Adokiye Big-Alabo

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 134-144

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Website: www.researchpublish.com

Published Date: 18-August-2023

Abstract: The investment decision is a concept that has gained much interest and has been a challenge among employees in the current world. Given that there is an age of working, one needs to plan for the future and life after work which is the retirement period. Employees in Daadab camp operates on temporary terms due to reduced donor funding and government decisions to close the camp and thus the majority of Daadab employees are engaged in the contract due to the nature of the basis. This has an effect on long-term investment decisions in comparison with employees engaged on permanent terms. Thus, the current study examined the effect of debt management on investment decisions among employees of non-governmental organizations in the Daadab refugee camp, in Kenya. A cross-sectional study design was employed in the research. A total of 907 employees of the 17 NGOs in the Daadab refugee camp formed the target population. At the same time, the respondents were all employees working in non-governmental organizations of the Daadab refugee camp. The stratified sampling technique was employed, and the sample size is calculated at 10% recommended by Mugenda and Mugenda (2013). The sample of the study was 91 respondents. Closed-ended questionnaires aided in the data collection process. The validity of the instrument was established using the Content analysis technique and the supervisor and research expert opinion. At the same time, reliability was ascertained through a pilot test where a calculation of Cronbach's alpha was done. The Cronbach's alpha value of 0.7 was considered to be reliable. The dropping and picking method was used in questionnaire distribution for data collection. Results from the multiple regression analysis revealed that debt management have positive influence on investment decisions among employees of non-governmental organizations of the Daadab refugee camp. The study concluded that debt management is a key determinants of investment decisions among employees of NGOs in Daadab refugee camp. The research recommended that for improved and proper Investment decisions through debt management should be adopted by employees to make positive and sound investment decisions.

Keywords: Debt Management, Financial Planning, Investment Decision.

Title: EFFECT OF DEBT MANAGEMENT ON INVESTMENT DECISION AMONG EMPLOYEES OF NON-GOVERNMENTAL ORGANIZATIONS IN DAADAB REFUGEE CAMP, KENYA

Author: Mohamed Ibrahim Hussein, Dr. Charity Njoka

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 126-133

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Website: www.researchpublish.com

Published Date: 18-August-2023

Abstract: The study was carried out to assess the electronic records management skills required by Office Technology and Management students in the contemporary office. Two research questions guided the study. The design of the study was descriptive research design. The population of the study comprised of 203, HND 1 & HND11, ND11 students from Federal Polytechnic Bali and ND 1 and ND 11 from Taraba State Polytechnic Suntai respectively. There was no sampling techniques adopted since the population is of a manageable size. A structured questionnaire tagged ‘’Electronic Records Management Skills Required of Office Technology and Management Students Questionnaire’’ (ERMSROTMSQ) with 5-point scale and 20 constructs was used to elicit data from the respondents. The instrument was duly validated by three experts in the department of Office Technology and Management in Federal Polytechnic Bali. The reliability of the instrument was determined using Cronbach Alpha method and it yielded a coefficient index of 0.79. The 203 questionnaires were distributed by the researchers and with the aid of four research assistance. Mean and Standard Deviation were used to answer the research questions. The study revealed that word processing and database management skills were crucial for office technology and management students to have in the contemporary office. It was recommended among others that Office management and technology Students should pay more attention to the learning of word processing and database management skills required for contemporary office as this would help in proper record management.

Keywords: Electronic records management, Skill, Office Technology and Management, Contemporary, Office.

Title: ELECTRONIC RECORDS MANAGEMENT SKILLS REQUIRED OF OFFICE TECHNOLOGY AND MANAGEMENT STUDENTS IN THE CONTEMPORARY OFFICE

Author: John, Celestina Dibbari, Lawrence Patience

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 119-125

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Website: www.researchpublish.com

Published Date: 14-August-2023

Abstract: Recently, the world faces the economic challenges triggered by the shocks in the industrial sectors. The resilience of the industrial system after shocks, is a complex process. This work examine the role of dynamic patterns on industrial ecosystem resilience and collapse. Using the dynamic mode decomposition approach and the data of input-output for industrial transaction of OECD countries from 1995-2015 were simulated and the results unveiled. The empirical outcomes show that the amount of transaction between industrial sectors, dominant industries and transaction growth rate are the potential parameters that drive the system economy towards growth (resilience) or collapse, furthermore, the US followed by China is the most resilient country while South Africa, Brazil and Spain experience the least industrial ecosystem resilience. The study provides a good direction for policy making in industrial growth and economy as well.

Keywords: Industrial ecosystem resilience, economic collapse, Dynamic patterns, Dynamic Mode Decomposition. 

Title: Dynamic patterns towards industrial ecosystem resilience and collapse: Dynamic Mode Decomposition Approach

Author: Sherehe Semba, Huijie Yang

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 109-118

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Website: www.researchpublish.com

Published Date: 12-August-2023

Abstract: Disaster Management (DM) is a crucial issue for populated countries like Bangladesh, particularly the capital city, which is overcrowded and exacerbates the Covid-19 pandemic's severity. The study focuses on the pandemic administration of the COVID-19 situation in Bangladesh, focusing on emergency response periods. It identifies various strategies prescribed by the government and non-government institutions, such as partial lockdown, full lockdown, limited movement, and conditional zone identification. Mobile purification amenities, isolation zones, and key health facilities can help mitigate the impact of the pandemic at the periphery and local levels.

Despite challenges in controlling travel restrictions, mass COVID-19 testing facilities, and social distancing, prompt international support and cooperation among government, health specialists, and the public can help mitigate the adverse consequences of the disease. Administrative and bureaucratic officials are pioneers in controlling the COVID-19 pandemic, with a special focus on health workers working for the people of Bangladesh. It is essential to capture and prepare for future disasters, whether man-made or natural, to ensure a smooth transition to a more stable and resilient society.

Keywords: Disaster Management, COVID-19, Policy Framework, Emergency Response.

Title: Policy Framework on Disaster Management in Bangladesh: A Study on Emergency Response during COVID-19 Pandemic

Author: Dr. Jebunnessa, Dr. Mizanur Rahman

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 102-108

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Website: www.researchpublish.com

Published Date: 11-August-2023

Abstract: The petroleum product subsidies intended to serve as a means of resource allocation to support the less privilege in the society, turned out to be a disappointment as, with most developing economies, the subsidy programme, turned out to be only beneficial to the rich and the middle class. The paper noted that the subsidy was fraught with massive corruption through smuggling and improper and inaccurate declaration of the actual quantity of petroleum product was being imported and subsidized. This all added to the colossal cost of over $30 billion as subsidy payment in the past 18 years. The huge subsidy bills were financed through government budget and borrowed funds, resulting in debt service to revenue ratio of some 102% in 2022. The Petroleum Industry Act, PIA, of August 2021 abrogated the subsidy programme, which would have ceased since February 2022, but was extended to end June 2023 by the former Mohammadu Buhari Administration. The Asiwaju Bola Ahmed Tinubu’s government took the bull by the horn, and officially removed the petroleum subsidy during his inaugural speech on May 29, 2023. This was after several unsuccessful attempts by previous governments which were resisted with national protests. Just immediately, the prices of petroleum product, especially the gasoline, or premium motor spirit, PMS, or commonly called Petrol, shot up by more than 200% from N185 to N 617 per litre.  Prices of goods and services, especially road transportation, went spirally up also, with threats of protests across the country.  This paper observed that the Asiwaju Bola Ahmed Tinubu failed to adopt globally accepted subsidy removal plans through extensive citizen engagement, sensitization, and robust implementation plans on how to utilize and allocate the accrued benefits from the subsidy removal. Regardless, this paper recommended for government to draw up subsidy removal implementation programmes at all levels, that will spell out how the funds will be utilized and accounted for with monthly reports for the public to ensure transparency and accountability. Finally, the paper pointed out some key focus areas for government in their implementation plan such as providing mass transit, greener transportation, financing fiscal deficits, reducing the debt burden, and encouraging investments in the downstream sector of the industry.

Keywords: Subsidy, Petroleum Industry Act, Petroleum Products, Smuggling, Debt Service to Revenue Ration.

Title: Petroleum Subsidy Removal and equitable socio-economic allocation of the benefits: A prescription for Nigeria

Author: DR. AMIEYEOFORI VALENTINE FELIX

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 83-101

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Website: www.researchpublish.com

Published Date: 08-August-2023

Abstract: Changes in climate around the world have caused extreme weather events that continue to upset food production. The problem has assumed worrisome dimensions in Nigeria, especially in areas prone to flooding. This study therefore examined the impact of flooding and food security in Koton Karfe area of Kogi State. The study was premised on five (5) research objectives which included determining the factors responsible for flooding in Koton Karfe, highlight the challenges militating against efforts to address flooding for improved food security in Koton Karfe and proffer strategies to curb flooding for improved food in Koton Karfe. For this reason, the relevant literature were reviewed, the gap in literature was established and the Structural Functionalism Theory was adopted for the study. The study was guided by the survey method hinged on the positivism framework, with data collected from both primary and secondary sources analysed quantitatively and qualitatively. Findings from the study showed that flooding has remained alarming in Koton Karfe due to the confluence nature of Kogi State, abrupt construction of buildings, poor drainage systems, cheap cost of land around river banks and flood-prone areas as well as opening of Lagdo Dam by Cameroonian authorities.  The result has been reduction of food production evidenced by damaged transport system, submerged farmlands, water pollution and food shortages among others. It is therefore recommended that the Hausa Dam is completed and strong political commitment is shown by the government to tackle the menace of flooding which is having catastrophic effects on food production in Koton Karfe.

Keywords: Impact, Assessment, Flooding and Food Security.

Title: IMPACT ASSESSMENT OF FLOODING ON FOOD SECURITY: A CASE STUDY OF KOTON KARFE IN KOGI LOCAL GOVERNMENT AREA OF KOGI STATE

Author: Roselyn I Izuagbe, Gbenga Oba Fadare, Aminu Murtala Ibrahim, Kilani Oluwatobi Fatai

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 74-82

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Website: www.researchpublish.com

Published Date: 04-August-2023

Abstract: Maintaining a nutritious diet throughout one's life can help prevent malnutrition and various NCDs. However, eating patterns have shifted due to increased manufacturing of processed foods, urbanisation, and shifting lifestyles. A study involving KES Shroff college students in the Commerce stream aimed to evaluate the consumption pattern of fast food and its perceptions among the target undergraduate population. The research aimed to identify the demographic profile of college students, determine if brands have any relation to the age of college students, and understand the reasons for food preference behaviour. The study surveyed 212 college-aged young adults, with the majority being women. The majority of students reported a positive attitude towards fast food, with 71% reporting a positive attitude. Most students consume fast food at least once every other day, with the majority eating it three to four times per week. Branding meals in fast food is considered significant by 83% of students. Price is a factor in purchasing decisions, with 90% of students stating that it is a factor. Emotional factors such as sadness, happiness, anger, and tension also influence fast food consumption. The study found no correlation between age and brand loyalty, price to pay, nutrition, or age and disease due to fast food consumption. Taste is the most important reason for consuming fast food, followed by friendliness, company, and the variety of fast food options. The study's findings suggest that fast food consumption is influenced by personal preference and available funds rather than demographic factors like age or gender.

Keywords: Nutritious diet, fast food, college students, KES Shroff College, Convenience.

Title: Fast food consumption pattern amongst Commerce undergraduates at KES Shroff College in Kandivali

Author: DR. VANITHA ESAIMANI

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 66-73

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Website: www.researchpublish.com

Published Date: 03-August-2023

Abstract: Modern human history is replete with invasions of states by states, and such invasions have elicited diverse global reactions. From the 15^th century upward for instance, Europeans invaded precolonial African polities in their quest to chiefly satisfy their economic appetite. In 2022, Russia invaded a fellow European country – Ukraine, in her quest to wade off NATO expansionism and invariably, to promote her expansionist policy. While the latter has elicited global condemnations and severe sanctions on Russia and Russians; the former received justifications mainly from renowned and reverend European erudite scholars. As a theory in international relations, Realism views these invasions and the attendant discrepancies in global responses as inevitable due to the selfish nature of nation-states. To right historical wrongs and heal lingering historical wounds, this paper recommends that European countries who invaded, destroyed, and pillaged precolonial African states should, as a matter of urgency, establish an Afro-Euro Commission with special trust fund, aimed at reconciliation, restitution, reconstruction and development of affected African territories.

Keywords: War, Russian Invasion, European Invasion, Pre-colonial African Polities.

Title: FOREIGN INVASIONS AND GLOBAL REACTIONS: A COMPARATIVE ANALYSIS OF EUROPEAN INVASION OF PRE-COLONIAL AFRICAN POLITIES AND RUSSIAN INVASION OF UKRAINE

Author: ODEMWINGIE, OSAHON, EGHAREVBA, EDEBIRI STANLEY, OSAYANDE, OSAZE SUNNY

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 57-65

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Website: www.researchpublish.com

Published Date: 02-August-2023

Abstract: The Central Bank of Nigeria (CBN) announced the redesign of Nigeria currency in 2022, and the policy was implemented in February, 2023, with the objectives of improving the security features of the currency in order to reduce the rate of currency forgery, reduce the total amount of money in circulation to reduce inflation, increase the percentage of money availability in bank volts in order to increase the rate of financial inclusion. This policy has brought about hardship on Nigerians by forcing Nigerians into cashless phase economy by creating artificial cash scarcity. This paper seeks to review the impact of currency redesign on Nigeria Economy. Some factors contributed to the failure of the policy which are, politics, demographic and socio-ecological changes, banking superstructure and modernity, and the wages of illiteracy and poverty and the widening income divide. In conclusion, the paper provides possible solutions and recommendations that can guide monetary policy makers in making informed decisions on currency redesign in Nigeria.

Keywords: Currency redesign, Nigeria Economy.

Title: IMPACT OF CURRENCY RE-DESIGN ON NIGERIA ECONOMY 2022-2023

Author: Dr. M.A Otitoju, G.A. Sunday, I.B. Abiola, W.A. Abudu

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 50-56

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Website: www.researchpublish.com

Published Date: 01-August-2023

Abstract: Financial markets worldwide play a crucial role in a country's economic and financial status. They facilitate governments and companies in raising funds for development and investments through diverse financial instruments, such as securities, derivatives, and bonds, which offer profit opportunities to investors. This study's primary objective was to examine the factors influencing the financial performance of the Nairobi Securities Exchange, the main financial market in Kenya, during general elections. The factors considered were interest rates, cash flow volatility, and inflation. The research targeted 20 stockbrokers, 20 investors, and 10 NSE junior employees, using a stratified sampling method to gather both primary and secondary data. Quantitative and qualitative techniques were employed to analyze the primary data, presented through narratives, tables, and graphs. Secondary data was sourced from journals and the stock exchange database. Descriptive and inferential statistics were utilized to determine how the independent variables affected the dependent variable. The study findings revealed that inflation and cash flow volatility significantly impacted share prices and influenced the stock market. General elections led to inflation, affecting the stock exchange with considerable volatility spikes around Election Day. Affordable share prices attracted foreign investors who played a role in determining share prices. High-interest rates resulted in higher share pricing, while lower interest rates led to lower share pricing, subsequently influencing trading activity and the market's overall performance.

Keywords: inflation, cashflow volatility, interest rates, macroeconomic, financial performance.

Title: Effect of Macro-economic Factors on the Financial Performance of the Nairobi Securities Exchange during General Elections in Kenya

Author: Mbatiah M. John

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 42-49

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Website: www.researchpublish.com

Published Date: 27-July-2023

Abstract: This study assessed the problems and prospects of housing quality on the living condition of residents of Ikere-Ekiti, Nigeria. Data for this study were collected from primary and secondary sources.  Results from this study showed that, majority of the housing units in the study area are in need of major repairs and rehabilitation. Also, it was discovered that, drainage facilities within neighbourhood in the study area are comparatively good. However, there is need for the existing drainage facilities to be improved upon. This study therefore concludes that, existing government policies should be renewed and reinvigorated to address the issue of design, location and infrastructural facilities in the study area.

Keywords: Assessment, Dwelling, Housing, Problems and Prospects.

Title: Assessment of the Problems and Prospects of Housing Quality on the Living Condition of Residents of Ikere-Ekiti, Nigeria

Author: AKANLE, Gregory Olanrewaju, JEGEDE, Amen O.

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 32-41

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Website: www.researchpublish.com

Published Date: 20-July-2023

Abstract: This paper investigates whether son preference influences the male-female wage gap in the United States. I compare fertility rates of families who have had only daughters to those who have had only sons and analyze the correlation between this difference and the gender wage gap. Using data from the Current Population Survey (CPS) and American Community Survey (ACS), I construct a wage regression that reduces the commonly cited wage gap of twenty-three cents by over half, and show that inclusion of son preference can further reduce the wage gap by approximately five percent.

Keywords: gender bias, wage discrimination, son preference, prejudice.

Title: SON PREFERENCE AND WAGE DISCRIMINATION

Author: Brian Towell

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 26-31

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Website: www.researchpublish.com

Published Date: 15-July-2023

Abstract: Tax planning is one of the critical tools used by both government and firms to achieve optimum revenue. Tax laws are formulated by different government authorities to derive maximum benefit from tax provisions. Although tax preparation might boost profitability, it can also come at the expense, preventing businesses from optimizing revenue by tax planning. For example, when corporate structure is a requirement for getting the intended tax advantages, possible expenses can arise if tax planning is disputed by taxation, resulting in brand damage. Various studies have been carried out on board attributes and tax planning among different sectors and different nations all this having mixed results. Therefore, this study sought to investigate the effect of board size on tax planning amongst firms listed at the Nairobi Securities Exchange, Kenya. The sample for the investigation included 65 Nairobi Securities Exchange listed companies listed between 2014 and 2021, and secondary panel data was collected from these companies using a census sampling technique. The study adopted descriptive and panel regression techniques of analysis which has some diagnostic tests. Ethical standards were adhered to in the study. Revelation from the survey showed that board size significantly in a manner that is positive with effect on tax planning of listed firms. The report consequently suggests that board size be decreased to improve tax planning effectiveness for Kenyan listed companies at the Nairobi Securities Exchange. This would enable the board of directors of the companies to facilitate decision-making within the shortest time frame possible.

Keywords: Board Size, Tax Planning.

Title: EFFECT OF BOARD SIZE ON TAX PLANNING AMONGST FIRMS LISTED AT THE NAIROBI SECURITIES EXCHANGE, KENYA

Author: Mohamednur Ibrahim Guyo, Dr. Fredrick Warui Waweru

International Journal of Social Science and Humanities Research 

ISSN 2348-3156 (Print), ISSN 2348-3164 (online)

Vol. 11, Issue 3, July 2023 - September 2023

Page No: 17-25

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Website: www.researchpublish.com

Published Date: 11-July-2023