Kenneth Terngu Akpusugh, M.E. Umogbai, and N. Kwahar, “Effect of Organizational Change on Employee Productivity of Deposit Money Banks in Makurdi Metropolis, Benue State, Nigeria”, IOASD J Bus Manag Stud, vol. 3, no. 1, pp. 67–77, Mar. 2026, doi: 10.67224/ioasdjbms.2026.v03i01.008.