ACKNOWLEDGEMENT

My profound gratitude goes to the almighty God who is the source of all knowledge and his
guidance and protection upon my life throughout these years of study. My gratitude goes to
my supervisor Dr. Joseph Teryima Sev for his scholarly expertise and painstaking
supervision, constant guidance and candid evaluation may God bless you sir.
I cannot forget my lecturers in the department of business management, Benue state
University, Makurdi who were essential in guiding and encouraging. They include: Prof. T.T
Alabar, Prof. S. Orsaah, Prof. S. Nongo
My appreciation also goes to my parents, Mr Yio Julius Vangeryina and Mrs Yio Josephine
Hembadoon , my family and friends for support and guidance throughout the years of my
study.
Finally, I’m grateful to all my course mates, friends who have impacted my life positively
during my stay in the university. May God bless you all.