Year of Publication : 2025Author: Cyiza, E., Ngoga, E., Uwase, I., Uwanyirigira, I., Kayijuka, I., & Muremyi, R. College: College of Business and Economics(CBE)Research Discipline: EconomicsPublication type: ArticlePublisher: ajaronline.comVolume: 11Issue: 2Journal Name: AFRICAN JOURNAL OF APPLIED RESEARCH,