Owan, T., Egor, H., Lebechukwu, U. and Chilokwu, O. 2021. ECONOMIC EFFECT OF COVID-19 PANDEMIC ON THRIFT AND CREDIT COOPERATIVES DURING PERIODS OF CRISIS IN NIGERIA: EVIDENCE FROM FCC (OJI RIVER) THRIFT AND CREDIT COOPERATIVE SOCIETY LIMITED. NIGERIAN JOURNAL OF COOPERATIVE ECONOMICS AND MANAGEMENT. 13, 1 (Dec. 2021), 1–10.