Kwame Nkrumah University of Science and Technology, Ghana, Kwame Nkrumah University of Science and Technology, Ghana, Kwame Nkrumah University of Science and Technology, Ghana, Kwame Nkrumah University of Science and Technology, Ghana, Kwame Nkrumah University of Science and Technology, Ghana, Kwame Nkrumah University of Science and Technology, Ghana, affiliation not provided to SSRN, Università degli Studi di Sassari, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, Università degli Studi di Sassari and Università degli Studi di Sassari