“DETERMINANTS OF HUMAN RESOURCE MANAGEMENT (HRM) ADOPTION AMONG SMALL AND MEDIUM SCALE ENTERPRISES (SMEs) IN KADUNA STATE, NIGERIA” (2023) Malete Journal of Accounting and Finance, 1(1), pp. 36–52. Available at: https://majaf.com.ng/index.php/majaf/article/view/15 (Accessed: 13 August 2026).