¹Department of Adult and Primary Education, Faculty of Education, University of Ilorin, Kwara State, Nigeria mohammed.rmo@unilorin.edu.ng

²Department of Management Studies, College of Management and Information Technology, American International University, West Africa, The Gambia w.olanipekun@aiu.edu.gm

³Department of Computer Science and Technology, College of Management & Information Technology, American International University, West Africa, The Gambia.

⁴Department of Business Administration, Faculty of Management Sciences, Al-Hikmah University, Ilorin, Nigeria rukayatty27@gmail.com

⁵Department of Management sciences, School of Business and Public Administration, University of the Gambia.