School of Physical Sciences - Kessben University College, University of Ghana, affiliation not provided to SSRN, Kwame Nkrumah University of Science and Technology, Ghana, Garden City University College, Pennsylvania State University, affiliation not provided to SSRN, Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development (AAMUSTED) - Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development, affiliation not provided to SSRN, Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development (AAMUSTED), University of Cincinnati and Kwame Nkrumah University of Science and Technology, Ghana