First Author:   Suleiman O Mamman Graduate School of Economics and Management, Ural Federal University, Russia onimisism@gmail.com         Second Author: Jamilu Iliyasu Department of Economics, ABU Business School, Ahmadu Bello University, Nigeria jamnashuha@gmail.com         Third Author: Aliyu R Sanusi Department of Economics, ABU Business School, Ahmadu Bello University, Nigeria aliyurafindadiz@yahoo.com