FARHANA FERDOUSI Assistant Professor Department of Business Administration East West University Dhaka, Bangladesh AMIR AHMED Faculty Department of Business Administration International Islamic University of Chittagong

PROFESSOR R D SHARMA Dean Academic Affairs and Coordinator, SAP in Commerce University of Jammu, Jammu MS SHIFFU ABROL Ph D Scholar Department of Commerce University of Jammu, Jammu

R.RENJITH KUMAR Assistant Professor and Head of the Department Ilahia School of Management Studies Ilahia College of Engineering and Technology Mulavoor, Muvattupuzha, Kerala State, India.

SHELLY SINGHAL Maharaja Agrasen Institute of Management and Technology, Jagadhri, Haryana, India SHILPA MEHTA Geeta Institute of Management and Technology, Panipat, Haryana, India GAURAV KAMBOJ Maharaja Agrasen Institute of Management and Technology, Jagadhri, Haryana, India

SHELLY SINGHAL Maharaja Agrasen Institute of Management and Technology, Jagadhri, Haryana, India SHILPA MEHTA Geeta Institute of Management and Technology, Panipat, Haryana, India GAURAV KAMBOJ Maharaja Agrasen Institute of Management and Technology, Jagadhri, Haryana, India

DR. S. VASANTHI Associate Professor in Commerce, Providence College for Women, Coonoor, The Nilgiris. DR.M.V.SUBHA Assistant Professor(SG), Anna University of Technology, Coimbatore, Jyothipuram, Coimbatore 641 047, MR.S.THIRUPPARKADAL NAMBI Associate Professor, Guruvayurappan Institute of Management, Navakkarai, Palakkad Main Road, Coimbatore 641 105.

DR. AMISHA GUPTA Assistant Professor The Business School University of Jammu Jammu. NEHA AGGARWAL Research Scholar The Business School University of Jammu Jammu.