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Dr. Benson Kunjukunju is reader, Post-graduate and research department of Commerce, St. Thomas College, Kozhencherry, kerala. He has more than 25 years of teaching experience at both under-graduate and post-graduate levels. He secured his M.Com. m.Phil. Ph.D. degrees from the university of kerala. He has already published one book dealing with institutional finance and rural development in India. He has also published a good number of articles in research journals and presented papers in national and international conferences/seminars.

Dr. S. Mohanan is a Reader in the Research and Post-graduate Department of Commerce in Mahatma Gandhi College, Thiruvanthapuram, kerala. He has more than twenty years of teaching experience at the under-graduate and post graduate levels. He secured his M.Com. and Ph.D. degrees from the University of kerala. A Number of Students are now doing research under his guidance. He has published a number of articles in reputed journals and has also presented papers in seminars at the national level.