Dr. B. Vijaya![](AuthorImages/No_Image.jpg) Professor of Commerce, Department of Studies & Research in Commerce Gulbarga University, Kalaburagi Karnataka . ayisrj2011@gmail.com Author's Introduction :Dr. B. Vijaya is Working as Professor of Commerce at Department of Studies & Research in Commerce Gulbarga University, Kalaburagi Karnataka . Research Contribution in ISRJ :
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