Chilokwu, O., N. P. Nwakoby, and E. I. Egor. “SAVINGS DIVERSIFICATION FOR ECONOMIC GROWTH AND DEVELOPMENT IN NIGERIA: THE CO-OPERATIVE MODEL”. Journal of Global Accounting, vol. 6, no. 2, July 2023, pp. 79-101, https://journals.unizik.edu.ng/joga/article/view/2330.