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Editor: Prof.Dr.Umit Hacioglu
Description: This is the official journal of the SSBFNET
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Umit Hacioglu .
Series handle: RePEc:rbs:ijbrss
ISSN: 2147-4478
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Content
November 2023, Volume 12, Issue 8
October 2023, Volume 12, Issue 7
- 01-12 The effect of perceived influence on brand loyalty mediated by brand trust among automotive consumers in YouTube
by Zam Arzaqi & Sumiati & Surachman
- 13-23 The effect of brand experience and service quality on customer loyalty mediated by customer satisfaction
by Shafira Nadhifa & Sunaryo & Surachman
- 24-37 The role of service innovation in mediating entrepreneurial orientation, organizational learning capability, and organizational performance relationship: a study on Directorate General of State Assets Management, Indonesia
by Rima Pusparani & Wahdiyat Moko & Sri Palupi Prabandari
- 38-47 Task technology fit and corporate entrepreneurship in Islamic banking: post-merger perspective
by Desi Tri Kurniawati & Ana Sofia Aryati & Masyhuri
- 48-60 Transfer pricing in Indonesia: Do managers still utilize it as an effective strategy?
by Nadifa Vicri Larasati & Dianwicaksih Arieftiara
- 61-73 Market system strategies: Antecedents to financial uptake among women-owned MSMEs in informal settlements in Kenya
by Regina Kagiri & Stephen Muathe
- 74-84 Monitoring and evaluation as critical approach to enhance the performance of local government: South Africa
by Hlengiwe Mabizela & Zwelithini Zwane
- 85-93 Role of government as moderator: Porter’s diamond firm strategy, structure, and rivalry attribute and industry’s performance
by Muhammad Ahmed Butt & Paul Katuse
- 94-104 Public cybersecurity awareness good practices on government-led websites
by Pranisha Rama & Monique Keevy
- 105-113 Influence of Porter’s diamond firm strategy, structure and rivalry construct on Pakistan automotive sector
by Muhammad Ahmed Butt & Paul Katuse
- 114-125 Market share improvement strategy formulation through application digital platform in Sharia Bank of Indonesia
by Andri Hartanto & Ratri Wahyuningtyas
- 126-135 The impact of corporate image and relationship marketing on customer loyalty in mediated customer satisfaction at SMEs
by Vina Ulfatus Sa'adah & Mugiono & Christin Susilowati
- 136-152 Strategic positioning and is it a useful construct in improving performance of microfinance institutions in Kenya
by Jackline Kapukha & Muathe Stephen Makau
- 153-167 The state of and prospects for the application of blockchain technology in e-commerce
by Mohamed Karani & Samwel Dick Mwapwele
- 168-178 Evaluating employee engagement drivers in Nigeria's downstream electricity sub-sector
by Oluyemi Theophilu Adeosun & Waliu Mulero Adegbite
- 179-189 Towards a world-class bureaucracy: Corporate University’s contribution to state civil apparatus talent development
by Aries Agung Paewai & Budiyanto Budiyanto & Ikhsan Budi Riharjo
- 190-198 Pondering over the nexus between internship programme and skills development: insights from past and present interns
by Selaelo John Mabeba & Mokoko Piet Sebola & Khensani Richard Chauke & John Mamokhere
- 199-207 The impacts of perceived leadership integrity, psychological safety, and organizational culture in sustaining employee voice
by Foluso Adekanmbi & Wilfred Ukpere
- 208-223 Exploration leadership that advancing creative collaboration for teachers: A thematic analysis of a case study in a college of fine arts in China
by Lei Pan & Evelyn A. Songco
- 224-234 Ethnic leadership in the age of disruption: implications for South African municipalities
by Rozenda Hendrickse
- 235-243 The challenges hampering South African economic growth integration process in the sub-region
by Andrew Enaifoghe
- 244-253 The role of the fourth industrial revolution in achieving economic development: challenges and opportunities
by Adelaide Selemela & Michael Nkosinathi Khwela & Mohale Ernest Selelo
- 254-262 The impact of corporate social responsibility, corporate value, and profitability on the share prices of Sri Kehati Index Companies from 2016 to 2020
by Pusvita Yuana
- 263-270 Stokvel saving and banking sector liquidity in South Africa: cointegration and short-run dynamics
by Lindiwe Ngcobo & Joseph Chisasa Joseph & Mantepu Tshepo MaseTshaba
- 271-282 Institutional development as a tool to facilitate economic access for South Africa’s SMEs: the case of the Development Bank of Southern Africa
by Zeph Nhleko & Watson Ladzani & Solly Seeletse
- 283-291 Assessing the role of entrepreneurship industry and SMEs to economic growth in South Africa
by Trisha Ramsuraj
- 292-302 Exploring the moderating role of parental income on the link between parental financial communication and financial literacy of young adults
by Adam Ndou
- 303-311 Corporate Social Responsibility from an Islamic Perspective: An Overview
by Riyad Moosa
- 312-322 Optimization of receiving tax and retribution in Ternate, North Maluku, Indonesia
by Abdullah W Jabid & Suwito Suwito & Herman Darwis
- 323-331 Policy review of government regulation no. 55 of 2022 regarding regulations adjustment of income tax in the micro small medium enterprises (MSMEs)
by Wayan Hesadijaya Utthavi & I Nyoman Abdi & Kadek Nita Sumiari & I Made Adhi Wirayana
- 332-344 The state of forensic accounting: South Africa versus the United States of America
by Varaidzo Denhere
- 345-357 Determinants of going-concern audit opinion
by Neni Meidawati Didied & Difa Sukma Dwitama
- 358-370 A more than 21-year odyssey of developmental local government in South Africa: Are we on the right track?
by Xolisile Ngumbela
- 371-382 Analysis of factors contributing to road fatalities in the Emfuleni local Municipality, South Africa
by Nthabiseng Mirriam Tlali & Nozipho Nkosikhona Simelane & Jacob Mofokeng
- 383-393 Examining the barriers to the adoption and integration of information communication technologies as e-Government in Africa
by Andrew Enaifoghe & Nduduzo Ndebele
- 394-404 Investigating the adoption of indigenous knowledge in mitigating climate-linked challenges: a case study of Vhembe District in South Africa
by Paulina Phoobane & Muthoni Masinde
- 405-412 Empowerment and access to opportunities in South Africa: can gender equality be achieved?
by Malesela Jim Masenya
- 413-418 Making public service delivery more accessible to people with disabilities: The South African government narrative
by Mandisi Matyana & Xolani Thusi
- 419-426 Identifying National Identities in Jabulani Mngadi’s Inaugural Novel, Imiyalezo
by Dumisani Sibiya
- 427-442 Challenges during installation and maintenance of water delivery infrastructure: a citizen perspective
by Matlou Lesley Mokgobu & Roger B Mason & Thomas Dobbelstein
- 443-451 Gender inequality facing women in leadership as the hindrance to achieving sustainable development in Africa
by Andrew Enaifoghe & Anuoluwapo Durokifa
- 452-459 The challenges facing widows in African contexts: A literature review
by Misheck Dube
- 460-468 The influence of culture and gender differences in communication: society’s perception
by Andrew Enaifoghe
- 469-481 Grade 3 teachers’ understanding of the implemented mathematics curriculum content
by Charlotte Myriam Moshala Galane & Simon Bhekumuzi Khoza
- 482-491 The impact of mental health promotion on coping mechanism among Grade 11 physical sciences learners in Nkandla Circuit
by Nondumiso Princess Mzobe & Taurayi Willard Chinaka
- 492-503 Currere on the rescue: exploring teachers voices that shape teachers’ actions and identities
by Boy Bongani Dlamini
- 504-510 Contribution of higher education in the development of village-owned enterprises (BUMDes) Jejama Village Suak Sidomulyo District Selatan Lampung District
by Feni Rosalia & Dian Kagungan
- 511-522 Neutralising the digital divide: is blended learning a viable solution?
by Makhulu Makumane & Tawanda W. Mataka & Walter Sengai & S. Ngcobo
- 523-531 Promoting transdisciplinary teaching and learning and research in a world that is faced with multifaceted challenges
by Takalani Mashau
- 532-541 The utilization of children’s oral literature as a literacy tool: Northern Sotho rhymes and folktales
by Maishiko Doreen Mojapelo
- 542-548 Role of continuing professional teacher development (CPTD) on teachers’ and learners’ achievement in South Africa: A literature review
by Kemi O Adu & N Duku & Emmanuel Olusola Adu
- 549-560 Exploring Educators’ Perception on learner’s right affecting discipline in Secondry Schools
by Ngogi Emmanuel Mahaye
- 561-573 The importance of education innovation and degree of innovative practices by principals in rural secondary schools in South Africa
by Ntsieni Fitzgerald Ramasimu
- 574-582 An examination of supporting structures for postgraduate students’ completion of research projects at one of the universities in South Africa
by Takalani Samuel Mashau & Ravhuhali Fhatuwani
- 583-595 Digital transformation dimensions for evaluating SMEs' readiness for big data analytics and artificial intelligence: A review
by Ignitia Motjolopane & Martin Chanza
- 596-603 Big Data Technology Acceptance Model (TAM) in Indonesian state-owned financial services and banking
by Erlangga Andi Sukma & Farika Nikmah & Rizka Rahmawati & Izzatul Ulya
- 604-616 Through critical eyes of the public: Factors influencing professionalism in the detective service in the Gauteng Province
by Jacob T. Mofokeng & Pogiso Tshakane
- 617-625 The human capital and human capability models: Showing the connection between graduation and employment
by Sithobile Priscilla Dube
- 626-640 Demand for internet services before and during the Covid-19 pandemic: what lessons are we learning in South Africa?
by David Mhlanga & Hannah Dunga
- 641-656 The influence of the immediate environment on parolee rehabilitation: The parolees’ experiences in a low-resourced area in South Africa
by Olebogeng Wendy Letlape & Misheck Dube
- 657-663 A stylo-rhetoric critique of rhetorical questions in N.G. Sibiya’s selected essays in Amalangabi
by Sizwe Dlamini
- 664-668 Derivative Misconduct and the Employee’s Duty to Act Bona Fide
by Carlos Joel Tchawouo Mbiada & Livhuwani Sosanah Lavhengwa
- 669-684 An assessment of the effectiveness of road safety advocacy messages in Durban Metropole
by Ria Chetty & Nozipho Simelane & Jacob Mofokeng & Dee Khosa
- 670-679 Exploring the drivers and the utility of road tolling in Zimbabwe
by Alouis Chilunjika
- 680-689 Innovative strategies to enhance HIV service delivery among female sex workers during the COVID-19 pandemic in Zimbabwe
by Livhuwani Tshivhase & Idah Moyo
- 685-699 An assessment on factors contributing to road fatalities on R546 Route in Mpumalanga Province: A case of Govan Mbeki Municipal Area
by Nkosinathi Cowan Nkosi & Jacob Mofokeng & Livhuwani Levy Ndou
September 2023, Volume 12, Issue 6
July 2023, Volume 12, Issue 5
- 01-09 The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking
by Diah Ayu Paramita & Anas Hidayat
- 10-16 Exploring the predictive factors of gen Z readiness for entrepreneurship
by Lydiawati Soelaiman & Frangky Selamat & Ida Puspitowati
- 17-29 Analysis of the customer’s loyalty of the online transportation service Gojek
by Heni Nastiti & Jenji Gunaedi A & Dewi Cahyani Pangestuti
- 30-41 Predicting intention to adopt omnichannel retailing of SMEs in Indonesia using UTAUT: the moderating role of personal innovativeness
by Alvin Erzal Syahreza & Wahdiyat Moko & Mintarti Rahayu
- 42-52 The role of entrepreneurship education in mediating the effect of entrepreneurial orientation and self-efficacy on entrepreneurial intentions:Case of Santri at Assalam Islamic Boarding School
by Abdulloh Fahmi Salam & Pardiman & Eka Farida
- 53-61 Influence of customer experiences on the preference for online bus booking services in Dar es Salaam, Tanzania
by Gordian Bwemelo & Robert Mashenene
- 62-73 The effect of service quality and perceived value on customer loyalty in Tuban restaurants with customer satisfaction mediation
by M Irsyad Gulam B & Nanang Suryadi & Nur Prima Waluyowati
- 74-85 Entrepreneurial marketing: Exploring its place in social enterprises
by Cosmas Nwankwo & Macdonald Kanyangale
- 86-97 The influence of intensity of TikTok use, utilitarian value, and hedonic value on impulsive buying mediated by urge to buy impulsively
by Vitria Zhuanita Rani & Ainur Rofiq & Himmiyatul Amanah Jiwa Juwita
- 98-113 Pro-activeness and its effect on the survival of family-owned manufacturing companies in Kigali City, Rwanda
by Victoire Muhayimana & Raphael Gwahula & Salvio Marcha
- 114-129 COVID-19: Experiences of women in the South African banking sector
by Olebogeng Pitsoe & Chris Schachtebeck & Nelesh Dhanpat
- 130-138 Islamic hospital nurse loyalty model: motivation, commitment and satisfaction
by Herni Justiana Astuti & Suryo Budi Santoso
- 139-150 Employee performance as mediated by organisational commitment between transactional leadership and role ambiguity
by Mochamat Arif Andriansyah & Achmad Sudiro & Himmiyatul Amanah Jiwa Juwita
- 151-163 The mediating role of employee engagement in the relationship between self-efficacy and organizational support on employee performance
by Dinda Lusiferina Amalia Utami & Achmad Sudiro & Noermijati
- 164-173 How workload impacts the employee performance and how work stress acts as a mediating variable in shoes manufacturing company
by Rizky Praditiya Herdiana & Fetty Poerwita Sary
- 174-184 The impact of overconfidence and herding bias on stock investment decisions mediated by risk perception
by Muchammad Arie Wibowo & Nur Khusniyah Indrawati & Siti Aisjah
- 185-196 Accounting practices in micro enterprises at Aba Islamic boarding business
by Sovie Dwi Maulida & Unti Ludigdo & Lilik Purwanti
- 197-203 The role of financial literacy on the growth outreach of South African microfinance institutions
by Emmanuel Kuchena & Patricia Lindelwa Makoni
- 204-216 Does corruption attract foreign direct investment inflows? Evidence from Tanzania
by Gwahula Raphael
- 217-222 The impact of inflation on firm value moderated by earnings quality in Indonesia
by Nisrin Naziha Isma & Sutrisno T & Aulia Fuad Rahman
- 223-236 The role of accountability in strengthening business sustainability: An Islamic perspective
by Zulhelmy M. Hatta & Abrar Nawas & Firdaus A.Rahman
- 237-247 Distribution pattern of households’ income inequality in Eastern Cape, South Africa
by Seyi Olalekan Olawuyi & Abbyssinia Mushunje
- 248-257 Critical success factors and performance of completed construction projects at National Social Security Fund, Nairobi City County, Kenya
by Inviolata Khisa & Morrisson Kaunda Mutuku
- 258-268 The state of crowdfunding in Africa and its potential impact: a literature review
by Bouba Ismaila
- 269-285 Examining the co-integrating relationship between financial development and economic growth
by Oscar Chiwira
- 286-294 It's like an uncontrollable demon in your body: The lived experiences of youth using crystal meth during the COVID-19 pandemic in Witbank, Mpumalanga
by Thembinkosi Peter Singwane & Dillo Justin Ramoshaba
- 295-305 The impact of gender-based violence on girls in the selected secondary schools in Limpopo, South Africa
by Mulatedzi Calvin Rammbuda
- 306-314 The retainment of South African indigenous languages: a systemic literature review
by Mlamli Diko
- 315-330 A conceptual framework of gender-based violence and femicide drivers in South Africa
by Matolwandile Mtotywa & Matsobane Ledwaba & Bekezela Mambo & Zenani Nkonzo & Rofhiwa Ntshagovhe & Azwihangwisi Negota
- 331-341 Gender-based violence as the outcome of maleness and egotism among Congolese male migrants located in the South African City of Durban
by Ndabuli Theophile Mugisho & Christine Kapita Umumararungu
- 342-353 Promoting the psychological health of married career women in the post-Covid-19 era: A psychological, social, organizational, and behavioral approach
by Foluso Adekanmbi & Wilfred Ukpere
- 354-361 Challenges faced by curriculum advisors when offering curriculum support to schools in rural South Africa
by Mulatedzi Calvin Rammbuda
- 362-371 Innovation hub a venture for students’ entrepreneurial talents: a case of college of business education
by Deus Kabelele & Shima Banele & William Gomera
- 372-380 Facilitating factors encouraging girl learners to choose science, technology, engineering, and mathematical subjects and related careers: A South African case study
by Zamandlovu Makola & Ramudunguane Tabane
- 381-394 Support from the government for SMEs in South Africa
by Ntsieni Ramasimu & Morengwa Jacobeth Majadibodu & Watson Ladzani
- 395-401 Does mob justice fit the conceptual theory of justice?
by Carlos Joel Tchawouo Mbiada & Ndivho Percy Sithuga
- 402-410 The artistic significance of vowel elision and ellipsis in Mqapheli Mngadi’s cartoons
by Sizwe Zwelakhe Dlamini
- 411-420 The contribution of cassava production and marketing on smallholder farmers’ livelihood in Dodoma Region, Tanzania
by Robert Mashenene & Petro Maziku & Lilian Otieno
- 421-428 A deductive reflection on the modus operandi used to commit bank-associated robbery in South Africa
by Mahlogonolo Thobane
- 429-436 The green experience effects on gen z customer loyalty mediated by perceived value and satisfaction
by Katherin Daniar & Fatchur Rohman & Sunaryo
- 437-445 The negative effects of application of increase taxes: a case of residents of Papua New Guinea University of Technology
by Viswanadham Nadiminti & Bomoteng Bapa & Tipeo Othlyn
- 446-455 Antecedents of big data adoption in financial institutions
by Chukuakadibia Eresia-Eke & Mahlogonolo Mojalefa & Taguma Nyanga
- 456-462 Motorcycles delivery innovation and performance of wholesale retail sector in Kenya
by Wanjau Christopher Kinyua & Gichuhi D. M & K. Kiambati
- 463-473 A scoping review of literature on the application of swarm intelligence in the object classification domain
by Nyaradzo Alice Tsedura & Colin Chibaya & Ernest Bhero
- 474-485 The moderating effect of road safety and compliance training on the relationship between motor cycle accessibility to market and performance wholesale retail sector in Kenya
by Gichuhi D. M & Wanjau Christopher Kinyua & K. Kiambati
- 486-493 Determinants of smartphones adoption and use at Kenya Airport Police Unit, Kenya
by Benedict M. Sila & Morrisson Kaunda Mutuku
June 2023, Volume 12, Issue 4
- 01-14 Examining organizational politics as the cause of the crisis in energy generation in developing countries: the instance of Zimbabwe
by Emmanuel Mutambara
- 15-32 The influence of brand innovativeness and quality affect consumer perceived value: the role of symbolic brand qualities as mediating
by Aisyah Shafira Maharani & Anas Hidayat
- 33-43 The authenticity and social media effect on revisit intention mediated by destination image
by Lintang Ayu Alya Maarif & Kusuma Ratnawati & Raditha Dwi Vata Hapsari
- 44-56 Entrepreneurial support: a theoretical framework and case study of Tunisia
by Nizar Mtibaa & Sami Boudabbous
- 57-65 Analysis of the influence of digital marketing, brand image, and price perception on purchase intention and brand loyalty in Uniqlo apparel products
by Natasha Bunga Arindaputri & Singgih Santoso
- 66-77 The role of green procurement, green supply chain management, green marketing strategy, and customers' environmental attitudes on green purchase intentions of plastic bag substitutes: a structural equation model on modern retail
by Muhammad Ainul Fahmi & Fadila Nurfauzia & Khairanis Yulita & Wina Nurfitriani
- 78-87 The effect of entrepreneurial orientation and knowledge management on organizational performance through innovation
by Ainur Rifqi Almahdani Rahmat & Rofiaty & Djumahir
- 88-95 The impact of interactive marketing on the marketing performance of micro, small, and medium-sized enterprises (MSEs) in the Nyanza region of Kenya
by Kenneth Kaunda & John Kuria Thuo & Evans Kwendo
- 96-105 Conceptualizing the role of entrepreneurship and SME in fostering South Africa's local economic development
by Andrew Enaifoghe & Makhosazana Faith Vezi-Magigaba
- 106-114 Social media marketing influence on the purchase interest of MS Glow Care Product
by Dian Nastiti Nurcahyani & Asmai Ishak
- 115-122 The influence of service quality, product quality, price, and innovation on customer loyalty at satay restaurant with the customer satisfaction as an intervening variable
by Rifda Mulady & Sumadi
- 123-135 Drivers and risk of business process outsourcing in South African mobile telecommunication industry
by Samson Mbanje & Orthodox Tefera
- 136-142 The influence of incentives, work culture, and supervision on the work ethics of agricultural extension agents in Maluku Utara Province
by Asrul Gailea & Mardi & Budi Susanto
- 143-153 Mediating affective organizational commitment and job satisfaction at SMEs family: the effect of transformational leadership style on employee performance
by Rizky Mardian Evitasari & Armanu Thoyib & Rofiaty
- 154-162 Green entrepreneurial orientation and environmental performance of SMEs in Johannesburg municipality in the Gauteng province: the role of green competitive advantage and green innovation
by Khutso Mankgele
- 163-174 Effect of deployment of strategic leadership in the horticulture industry: a case study of selected flower farms in Kenya
by Doreen Jebiwot Korir & James M Kilika
- 175-185 Designing a values-based performance management system towards promoting congruence of personal and organizational core values
by Maureen Gelle-Jimenez & Ferwin Jimenez & Hector Aguiling
- 186-195 What makes a good leader: the context of the retail industry in South Africa
by Johannes A Wiid & Michael C Cant
- 196-201 Towards achieving sustainable development Goal 7 (Affordable and Clean Energy) through a transition to decentralised energy systems in South Africa
by Shingirai Mugambiwa & Selelo Frank Rapholo
- 202-216 Why does the level of financial satisfaction high during the covid-19 pandemic? The role of income, financial knowledge, financial stress, Covid-19 omicron awareness, and financial behavior on the financial satisfaction of master of management students
by Charisna Adinda & Ubud Salim & Himmiyatul Amanah Jiwa Juwita
- 217-228 Does corporate social responsibility provide protection against systemic risks? Evidence from Taiwan during the US-China trade war
by Po-Jung Chen & Chih-Yu Yang
- 229-237 The ethics of resolving the nonperforming financing of Mudharaba Contracts in Indonesia Islamic Banks
by Gusti Oka Widana & Ahmad Fahrurozi & Muhammad Arif Ssetyawan
- 238-244 A research agenda on portfolio diversification, government regulations, and the financial performance of deposit-taking SACCOs in Nairobi County, Kenya
by Paul Ndonye & Jagongo Ambrose
- 295-303 An analysis of the Internal Audit Function in the South African Department of Defence
by Lutendo Patricia Nelufule & Tyanai Masiya & Stellah Lubinga
- 304-309 Analysis of dominant factors affecting regional tax revenue in regency, city of Jambi province
by Muhammad Asman & M. Rachmad R. & Zamzami Zamzami & Tona Aurora Lubis
- 310-319 A contemporary view of management accounting, its genesis and evolution: A literature review
by Banele Dlamini
- 320-328 The impact of the role of internal and external accountants on taxpayer compliance moderated by good corporate governance
by Wulan Rezky Amalya & Syaiful Iqbal & Abdul Ghofar
- 329-336 Communities at war: Labelling perspective on hostility between communities and illicit immigrants in South Africa
by Thabiso Malatji & Kholofelo Rakubu
- 337-345 Coping with informal fish vending constraints and resilience implications among urban-based women fish vendors in Dar es Salaam
by Grace Mushi
- 346-352 Xenophobic experiences of illegal migrant youths in Musina Town, South Africa
by Dillo Justin Ramoshaba & Frank Rapholo
- 353-362 The commercialisation of childhood? Materialism values of South African tweens
by Belinda Senooane
- 363-373 An investigation into the effectiveness of public participation mechanisms on service delivery within the Newcastle local municipality
by Xolani Thusi & Nzuzo Mayisela & Mandisi Matyana
- 374-382 Exploration of sexual harassment practices among women using bus rapid transport service in Dar Es Salaam Tanzania
by Amaniel Athumani
- 383-391 Fear of victimization among illicit immigrants in South Africa
by Kholofelo Annah Rakubu & Thabiso Malatji
- 392-399 Complexity of teen mothers and its implications on family wellbeing in Rwanda
by Christine Kapita Umumararungu & Appoline Kabera Bazubagira
- 400-409 Analysis of determinants of poverty in South Africa in the wake of Covid-19 pandemic
by Ismael Maloma & Hannah Dunga
- 410-421 South African rural students’ adoption and use of learning management systems
by Oluwafemi Sunday Afolabi & Oluwatoyin Ayodele Ajani