First Author:   Isiaka Akande Raifu Department of Economics, Faculty of Economics, University of Ibadan, Ibadan, Nigeria heritagetiamiyu@gmail.com   Faculty of Economics, Department of Economics, Faculty of Economics, Department of Economics Ibadan, 900001   +2348069829396(Phone) +2348069829396(Fax) Second Author: Alarudeen Aminu Department of Economics, Faculty of Economics, University of Ibadan, Ibadan, Nigeria alarudeen@yahoo.com   Faculty of Economics, Department of Economics Ibadan, 900001   +2348034061234(Phone)