Emmanuel Samuel Udo Department of Banking and Finance, University of Nigeria Enugu Campus, Nigeria   31 Aggrey Road Ikot Ekpene Akwa Ibom State Ikot Ekpene, Nigeria 234 Nigeria   emmanuelsamueludo@gmail.com             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) G1 : General Financial Markets: General (includes Measurement and Data)