Microfinance and Public Sector Banks

Dr. Sanjay Kumar (b. 1963) passed his M.A. in Economics in first division from Magadh University in 1984. He was awarded Ph.D. degree in Economics by the Banaras Hindu University in 1990. A keen researcher, Dr. Kumar has several papers, published in National Journals and Dailies to his credit. His areas of interest are Indian economic problems and industrial economics.

The Junior author, after obtaining his Ph.D. degree from Banaras Hindu university, is currently Junior Pathologist cum Assistant professor at N.D.U.A. & T. Kumarganj, Faizabad, Uttar Pradesh. He has more than 15 years of research experience on Discomycetes and VAM Fungi. Now he is mainly concerned with diseases of rice.