“Governance, Regulatory Challenges, and Pension Fund Mismanagement in Nigeria’s Contributory Pension Scheme: Implications for Retirees’ Welfare”. TRANSNATIONAL JOURNAL OF ARTS, HUMANITIES AND SCIENCES 1, no. 4 (October 31, 2025): 88–108. Accessed April 30, 2026. https://wordastrajournals.com/index.php/tjahs/article/view/169.