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Article History

Received: 1 September 2024

Accepted: 7 February 2025

First Online: 31 March 2025

Declarations

: We declare that this article is our original work and all sources of materials used for the paper are duly acknowledged. Its abstract has been presented in 26th RSEP International Conference on Economics, Finance & Business:

: The study was approved by the ethical review committee of the University of Gondar with a reference number of SoCI300/2014. Participants were informed with written consent forms after the objectives of the study were briefed. Participants involved in the study were in a condition to provide informed consent willingly and with full understanding of the study purposes. All methods were carried out in accordance with relevant guidelines and regulations.

: Not applicable because confidentiality was kept and participants were sufficiently anonymous. All authors have read the manuscript and agreed on its publication.

: The authors declare no competing interests.