@article{luckyshindume2022203,
  title = {Improving competitiveness and profitability in the Namibian retail-banking sector},
  author = {Lucky Shindume and E.I Edoun and S. Pooe},
  journal = {International Journal of Business and Economic Development},
  volume = {Volume 10},
  number = {Issue 02},
  year = {2022},
  url = {https://www.ijbed.org/details&cid=203},
}

@article{rishiramaryal2022204,
  title = {The Empirical Study of the Effect of Corporate Governance on earnings management based on FTSE350, UK},
  author = {Rishiram Aryal and Gurjeet Dhesi},
  journal = {International Journal of Business and Economic Development},
  volume = {Volume 10},
  number = {Issue 02},
  year = {2022},
  url = {https://www.ijbed.org/details&cid=204},
}