Author Info
Dr. Janardhan Kundlik Pawar
M.COM, MBA (Mkt), NET, SET, GDC&A, B.ED, DIM, PGDIM, PGDMM, Ph.D.Assistant Professor in Commerce and Head, Department of Commerce
Tuljaram Chaturchand College of Arts, Science and Commerce, Baramati, Dist. Pune, Maharshtra, (Empowered Autonomous)
The author is currently serving as an Assistant Professor in Commerce and Head of the Department of Commerce at Tuljaram Chaturchand College of Arts, Science and Commerce, Baramati, Dist. Pune (Empowered Autonomous).
Prof. Dnyaneshwar Mohan Jagadale
M.COM, MBA (Mkt), SET, GDC&A Assistant Professor in Bachelor of Vocation and Head, Department of B.Voc. in Retail Management, Waghire College of Arts, Science and Commerce, Saswad, Dist. Pune.
The author is currently serving as an Assistant Professor in Bachelor of Vocation and Head of the B.Voc. in Retail Management at Waghire College of Arts, Science and Commerce, Saswad, Dist. Pune.
Dr. Santosh Madhavrao Biradar
M.Com., B.Ed. Ph.D.
Dr. Santosh Madhavrao Biradar is a seasoned academician and financial consultant with over 17 years of experience in education and Banking & Finance field. Currently serving as a Tutor in the Department of Commerce at Camp Education Society, Pune (India). Dr. Biradar has consistently contributed to academic excellence through teaching, research and mentorship.
He holds a Ph.D. in Banking and Finance, with a focus on The Role of SIDBI in MSME sector, credit risk management, financial inclusion, or digital banking trends. His research is widely recognized and has been published in reputed national and international journals.
Prof. Mahesh Subhash Phule
M.COM (Business Administration), MBA (Marketing Management),
Head, Department of Retail Management
Tuljaram Chaturchand College of Arts, Science and Commerce, Baramati, Dist. Pune
(Empowered Autonomous) The author is currently serving as a Head of the Department of Retail Management at Tuljaram Chaturchand College of Arts, Science and Commerce, Baramati, Dist. Pune (Empowered Autonomous).