ROLF KUNSTEK* *Kreissparkasse Göppingen, Oberwälder Straße 3/3, D – 73117, Wangen.

SUBROTO CHOWDHURY* *Assistant Professor, Department of Commerce, Manipal University.

MS. ANU SAHI*; MS. SHAVETA GUPTA** *Assistant Professor, Apeejay Institute of Management, Jalandhar.

K. LAKSHMANA RAO* *Department of Commerce & Management Studies, Andhra University, Visakhapatnam – 530003, Andhra Pradesh, India.

SURESH CHANDRA CH*; JENDA RAMESH** *Ph.D Research Scholar, Department of Commerce & Business Management, Kakatiya University, Warangal. **Lecturer in Management, St. Joseph’s P.G. College, Rampur(v), Dharmasagar Mandal, Warangal District.

NEETU ANDOTRA*; DR. POOJA**; MS. ANKITA***; MS. RACHITA**** *HOD Commerce, University of Jammu, J & K, India. **Assistant Professor, Department of Commerce, Govt. Degree College, Udhampur. ***Assistant Professor, Department of Commerce, Udhampur Campus, Jammu University. ****Relationship Executive (IT), J & K Bank, Jammu.

CHARANJEEV SINGH*; R.K. SHARMA**; RAGHAV KHANNA***; SUDHIR SHARMA**** *Associate Professor, Department of Public Administration, Panjab University, Chandigarh. **Professor, University School of Open Learning, Department of Public Administration, Panjab University, Chandigarh. ***Research Scholar, Department of Public Administration, Panjab University, Chandigarh. ****Associate Professor, Department of Public Administration, Panjab University, Chandigarh.

S. SIVA*; P. NATARAJAN** *Project Fellow UGC – MRP, Department of Commerce, School of Management, Pondicherry University, Puducherry. **Professor of Commerce, Department of Commerce, School of Management, Pondicherry University, Puducherry.