Chilokwu, Okechukwu, Nkiru P. Nwakoby, and EHikarofem I. Egor. 2023. “SAVINGS DIVERSIFICATION FOR ECONOMIC GROWTH AND DEVELOPMENT IN NIGERIA: THE CO-OPERATIVE MODEL”. Journal of Global Accounting 6 (2):79-101. https://journals.unizik.edu.ng/joga/article/view/2330.