“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”, njcem, vol. 13, no. 1, pp. 1–10, Dec. 2021, Accessed: Apr. 20, 2025. [Online]. Available: https://journals.unizik.edu.ng/njcem/article/view/2793