ABOUT THE AUTHOR Vijay Kumar Sharma
Dr. Vijay Sharma (1968) is an Associate Professor in Department of Commerce in Himachal Pradesh University Shimla. He graduated and post graduated from Himachal Pradesh University Shimla and obtained his Doctorate in Commerce from the same university. During his teaching and research experience of 14 years he contributed a number of papers in various journals. He guided more than 20 students of M.Phil and Ph.D. in Commerce on the diverse studies related to industry, banking, indebtedness and tourism etc.
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