First Author:   Job Agba Opue Covenant University, Ota job.opue@covenantuniversity.edu.ng   Department of Economics and Development Studies, College of management and Social Sciences, Covenant University Ota, 112104, Nigeria   07062522700(Phone) 07062522700(Fax) Second Author: Ebenezer Bowale Covenant University Ebenezer.Bowale@covenantuniversity.edu.ng         http:// Third Author: Abang Barth Mbia Department of Economics, University of Calabar abang.mbia@unical.edu.ng         http:// Fourth Author: Brian Obue Eyang Department of Social Work, University of Calaba brian.eyang@unica.edu.ng         http://