“IMPACT OF SELECTED FIRM-SPECIFIC CHARACTERISTICS ON FINANCIAL PERFORMANCE OF NIGERIAN LISTED INSURANCE USING CARAMELS FRAMEWORK”, MAJAF, vol. 3, no. 2, pp. 206–234, Dec. 2022, Accessed: Oct. 26, 2025. [Online]. Available: https://majaf.com.ng/index.php/majaf/article/view/11