DR. PAWAN KUMAR DHIMAN* *Associate Professor – EDP, Sant Longowal Institute of Engineering and Technology Longowal, Punjab.
FINANCIAL INSTITUTIONS PROBLEMS, PROSPECTS AND CHALLENGES – AN ANALYSIS OF HIMACHAL PRADESH FINANCIAL CORPORATION

DR. PAWAN KUMAR DHIMAN* *Associate Professor – EDP, Sant Longowal Institute of Engineering and Technology Longowal, Punjab.
DR.K.APARNA* *Department of Business Management, Telangana University, Nizamabad, A.P.
DR. MANAS PANDEY* *Department of Business Economics, Faculty of Management Studies, VBS Purvanchal University, Jaunpur (UP).India.
RAKESH GARG*; PRIYA GUPTA** *Assistant Professor, Faculty of Commerce, S. D. (PG) College, Panipat. **Assistant Professor, Faculty of Commerce, S. D. (PG) College, Panipat.
SHASHI SHARMA*; DR RAJESH SHARMA** *Faculty of Management, ICFAI University, Tripura. **Department of Mathematics, Mil;itary School, Bangalore.
SURESH CH. DAS*; SUSHIL K. PATTANAIK** *Assistant Professor, Department of Business Management, C. V. Raman College of Engineering, Bhubaneswar. **Lecturer, Department of Commerce, KBDAV (A) College, Nirakarpur, Khurda, Orissa-752019.
ABDUL KAMAL MOHIDEEN* *Assistant Professor, Visaka Engineering College, Visakhapatnam.
DR. T. SATYANARAYANA CHARY*; SHAIK MASOOD** *Associate Professor and Head, Department of Commerce, Telangana University, Nizamabad -503322. **Assistant Professor, Department of Business Management, Alluri Institute of Management Sciences (AIMS), Warangal -506002.
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