“…Olubiyi, Egwakhe, and Akinlabi (2019), Olubiyi, Egwakhe, and Egwuonwu, (2019), Olubiyi, Egwakhe, Amos, and Ajayi (2019), . Olubiyi (2019), , Olubiyi, (2022a), Olubiyi, (2022b), Olubiyi, Jubril, Sojinu, and Ngari, (2022), Ukabi, Uba, Ewum, & Olubiyi, (2023) and Uwem, Oyedele, and Olubiyi, (2021). Olubiyi, Jubril, Sojinu, andNgari, (2022), Olubiyi, (2022), Uwem, Oyedele, and Olubiyi, (2021) with cross-sectional have adopted this method in their respective studies and found it useful.…”