Ramadhani, Abswaidi. “Ownership and Uses of Smart Phones in Accessing Online Materials By University Students: A Comprehensive Study from Moshi Co-Operative University”. Journal of Co-operative and Business Studies (JCBS) 4, no. 1 (April 1, 2021). Accessed November 21, 2024. https://journals.mocu.ac.tz/index.php/jcbs/article/view/89.