Asen, Isaiah Sughnen, and Joel Terkura Uto. “An Ethical Evaluation of Savings and Cooperative Societies in Ukum and Katsina-Ala Local Government Areas of Benue State”. African Journal of Humanities and Contemporary Education Research, vol. 15, no. 1, June 2024, pp. 87-105, https://doi.org/10.62154/e2dz9x16.