Govender CM, Adegbite WM. Measuring Human Capital Development (HCD) Return on Investment (ROI), Risk, and Knowledge Gaps across selected Occupations in South Africa. JMR [Internet]. 2023 Jun. 27 [cited 2026 Jun. 14];10(1):58-83. Available from: https://ojs.umt.edu.pk/index.php/jmr/article/view/1357