About the Author

Manojit Dasgupta is an Assistant Professor in the department of Commerce at Kalimpong College, Darjeeling, India, and his areas of study are Microfinance, Banking and Rural studies. Dr. Dulal Chandra Roy is the Head and Associate Professor in the department of Economics at Kalimpong College, Darjeeling, India, and has multiple publications in journals, magazines, newspapers, seminars and books.