CO-OPERATIVE BUSINESS MODEL: A SUSTAINABLE TOOL FOR PROMOTING THRIFT AND CREDIT CO-OPERATIVES FOR MICROFINANCING AMONG CO-OPERATIVE SOCIETIES IN NIGERIA. jfms [Internet]. 2023 Jun. 23 [cited 2025 May 9];60(1):292-301. Available from: https://journals.unizik.edu.ng/jfms/article/view/2577