Document is current

Journal Name

: Indian Journal of Economics and Finance (IJEF): https://www.ijef.latticescipub.com/

Conflicts of Interest

: Based on my understanding, this article has no conflicts of interest.

Funding Support

: This article has not been funded by any organizations or agencies. This independence ensures that the research is conducted with objectivity and without any external influence.

Ethical Approval and Consent to Participate

: The content of this article does not necessitate ethical approval or consent to participate with supporting documentation.

Data Access Statement and Material Availability

: The adequate resources of this article are publicly accessible.

Authors Contributions

: Each author has individually contributed to the article. ABERE: main author SAKA: data analyst BANJO: literature review