First author: Professor Anna-Marie (A.M.F.) Pelser
iD orcid.org/0000-0001-8401-3893
Research Professor, North-West University, Faculty of Economic and Financial Sciences- Entity Director – GIFT, Mafikeng Campus.
Corresponding author: Professor A.M.F. Pelser: HED (Home Economics, PU for CHE), B Com (UNISA), B Com …