“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”. 2021. NIGERIAN JOURNAL OF COOPERATIVE ECONOMICS AND MANAGEMENT 13 (1): 1-10. https://journals.unizik.edu.ng/njcem/article/view/2793.