References
Aja, O., Asiabaka, C., Ani, A., & Matthews-Njoku, E. (2024). Comparative study of the socioeconomic characteristics and digital literacy level of agricultural extension personnel in Imo and Ebonyi States, South-East, Nigeria. Agricultural Sciences, 15(2), 230–245. Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. Ajzen, I., & Schmidt, P. (2020). Changing behavior using the theory of planned behavior. The handbook of behavior change , 17-31 Akpabio, I. A, Cyril, J. E. Inyang, E. B. and Etuk, U. R. (2018). Dimensions of computer-based Internet Technology Technophohia among Agricultural Extension Personnel in Akwa Ibom State, Nigeria. International Journal of Innovation Research and Development 7(5): 232-240 . Akpabio, I. A., Etuk, U. R., and Akpheokhai, L. I. (2020) The Fourth Industrial Revolution and Agricultural Development in Nigeria, in: Udom, N. G., Akpabio, I. A., Akpheokhai, L. I., Etuk, U. R., Ebong, V. O., Ekot, M. O (Eds). Agricultural and Allied Variables for Sustainable Development in Nigeria. Publication of Faculty of Agriculture, University of Uyo Pp 1-21 Antoni, X., Saayman, M., & Vosloo, N. (2020). The relationship between financial literacy and retirement planning, Nelson Mandela Bay. 1309–8047. Busse, P., & Miranda, J. J. (2018). Perceived behavioral control as a potential precursor of walking three times a week: Patients' perspectives. PLOS ONE, 13(2), e0192915. Di Prima, S., Wright, E. P., Sharma, I. K., Syurina, E., & Broerse, J. E. W. (2022). Implementation and scale-up of nutrition-sensitive agriculture in low- and middle-income countries: A systematic review of what works, what doesn’t work and why. Global Food Security, 32, Etuk, E. (2022). Unending reforms of the Nigerian pensions act: The dilemma of the pensioners .Beijing Law Review, 13(2), 264–277. Etuk, U. R & Umoh, I. (2014) Adoption of Pro-Vitamin A Cassava Technology among cassava farmers in Akwa Ibom State, Nigeria. Nigerian Journal of Agriculture, Food and Environment. 10(4) :135- 138 Etuk, U. R., Etok, E. U & Uko, I. A (2024) Constraints Affecting Farm Accounting Practices Among Rural Farmers in Akwa Ibom State, Nigeria. International Journal of Agriculture and Earth Science (IJAES) 10 (6) 42 -55 Friedline, T., Chen, Z., & Morrow, S. (2021). Families' financial stress and well-being: The importance of the economy and economic environments. Journal of Family and Economic Issues, 42(S1), 34–51. Ganguly, A., & Prakash, P. (2023). Investment and retirement planning – A conceptual analysis. International Journal of Professional Business Review, 8, e03645. Ghadwan, A. S., Wan Ahmad, W. M., & Hisham Hanifa, M. (2023). Financial planning for retirement: The moderating role of government policy. Sage Open, 13(2). Harahap, S., Thoyib, A., Sumiati, S., & Djazuli, A. (2022). The impact of financial literacy on retirement planning with serial mediation of financial risk tolerance and saving behavior: Evidence of medium entrepreneurs in Indonesia. International Journal of Financial Studies, 10(3), 66. Hurtado, M. D., & Topa, G. (2019). Quality of life and health: Influence of preparation for retirement behaviors through the serial mediation of losses and gains. International Journal of Environmental Research and Public Health, 16(9), 1539. Indapurkar, K., Pal, A., Tiwari, C., & Mavuri, S. (2024). Exploring financial well-being’s impact on retirement planning: The mediating role of financial attitude. FIIB Business Review. Jonah, K. E. ( 2018) Attitude of agricultural extension personnel towards retirement in Akwa Ibom State, Nigeria. Unpublished M.sc Dissertation, University of Uyo, Uyo, Akwa Ibom State, Nigeria Kerry, M. J. (2018). Psychological antecedents of retirement planning: A systematic review. Frontiers in Psychology, 9, 1870. https://doi.org/10.3389/fpsyg.2018.01870 Kumar, S., Shukla, G., & Sharma, R. (2019). Analysis of key barriers in retirement planning: An approach based on interpretive structural modeling. Journal of Modelling in Management, 14, 972–986. Mtemeri, J. (2020). Peer pressure as a predictor of career decision-making among high school students in Midlands Province, Zimbabwe. Global Journal of Guidance and Counseling in Schools: Current Perspectives, 10(3), 120–131. Mohidin, R., Abdul Jamal, A. A., Geetha, C., Lim, T. S., & Karim, M. (2013). Revisiting the relationship between attitudes and retirement planning behavior: A study on personal financial planning. International Journal of Multidisciplinary Thought, 3, 449–461. Mustafa, W. M. W., Islam, M. A., Hassan, M. S., Royhan, P., & Rahman, S. (2023). The effects of financial attitudes, financial literacy, and health literacy on sustainable financial retirement planning: The moderating role of the financial advisor. Sustainability, 15(3), 2677. Muthia, F., Ghasarma, R., & Andaiyani, S. (2021). Factors affecting retirement planning ability. Sriwijaya International Journal of Dynamic Economics and Business, 1(1), 41. Ogunyemi, S. & Oderinde, O. D (2018). Problems of retirement planning in Nigeria. Abuja journal of sociological studies 5(4) 59–77. Okorie, N. U., Kesit, K. N., & Uwemedimo, O. (2024). Enhancing agricultural productivity in Akwa Ibom State through human capacity strengthening for effective extension service delivery. Journal of Community & Communication Research, 9(1), 129. Ramli, S., Husain, N., & Rosnan, H. (2023). Integrating the theory of planned behavior to explore young private sector employees’ retirement planning behavior. The Asian Journal of Professional & Business Studies, 4. (2) 13 : 1-11 Rehman, K., & Mia, M. A. (2024). Determinants of financial literacy: A systematic review and future research directions. Future Business Journal, 10, 75. Shukla, S., Murari, K., & Adhikari, B. (2021). Do psychological, social, and financial perceptions of post-retirement life and demography influence retirement planning behavior? International Journal of Social Economics, 48(11):1545-1566. Suleiman, Y., Aminu, T., Kaka, Y., Agbomakha, F., Auwal, A., & Yakubu, D. (2022). Socio- economic factors influencing extension workers’ effective use of knowledge management in agricultural extension services. Equity Journal of Science and Technology, 8, 116–122. Topa, G., Lunceford, G., & Boyatzis, R. E. (2018). Financial planning for retirement: A psychosocial perspective. Frontiers in Psychology, 8, 2338. Ugwu, L. E., & Idemudia, E. S. (2023). Retirement planning and financial anxiety among Nigerian civil servants: Insights from social comparison theory. Behavioral Sciences, 13(5), 425. Umeh, O. J., Igwe, K. C., & Anyim, A. (2018). Farmers’ knowledge of the role of extension services in Akwa-Ibom State, Nigeria. Journal of Agricultural Extension, 22(3), 87–96. Watson, J., & McNaughton, M. (2007). Gender differences in risk aversion and expected retirement benefits. Financial Analysts Journal, 63(4)52-62.
