EFFECT OF CONTRIBUTORY PENSION SCHEME ON PENSION PAYMENT TO RETIREES OF JOSEPH SARWUAN TARKA UNIVERSITY MAKURDI, BENUE STATE, NIGERIA. iijp. 2025;1(issue 2):179-189. Accessed April 20, 2026. https://impactinternationaljournals.com/publications/index.php/ojs/article/view/27