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    VOLUME NO.4(2014),ISSUE NO.09 (SEPTEMBER) ISSN2231-5756

    A Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

    Indexed & Listed at:

    Ulrich's Periodicals Directory, ProQuest, U.S.A., EBSCO Publishing, U.S.A., Cabells Directories of Publishing Opportunities, U.S.A.,

    Open J-Gage, India [link of the same is duly available at Inflibnet of University Grants Commission (U.G.C.)],

    Index Copernicus Publishers Panel, Poland with IC Value of 5.09 & number of libraries all around the world.

    Circulated all over the world & Google has verified that scholars of more than 3480 Cities in 174 countries/territories are visiting our journal on regular basis.

    #round $loor% Buildin& 'o *+-,-% Devi Bh!w!n B!!r% JA#AD.R 01 **0% 2!3un!n!&!r% .!ry!n!% 'DA

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    VOLUME NO.4(2014),ISSUE NO.09 (SEPTEMBER) ISSN2231-5756

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

    http4//i5rc3or&in/

    ii

    ONTENTS

    Sr.No.

    TITLE & NAME OF THE AUTHOR (S) PageNo.

    1 A COMPARATIVE STUDY OF SERVICE QUALITY OF SELECTED INDIAN BANKS: A STUDY IN INDORE REGIONDR. HARISH B. BAPAT, DR. VISHAL SONI & DR. VINAYAK KHARE

    1

    2 EFFECTIVENESS OF RURAL MARKETING STRATEGIES ON BRANDED FMCGs: A CASE STUDY INKANYAKUMARI DISTRICT

    DR. V. SREEDEVI & M. SULAIPHER

    ! PO"ER SECTOR REFORMS DURING GLOBALI#ED ERA: SOME EVIDENCES FROM INDIAN ECONOMYM. ANANDAN & S. RAMASWAMY

    1$

    % NGO APPROACHES TO RURAL DEVELOPMENT IN BANGLADESHDR. MD. HAFIZ UDDIN BHUIYAN & DR. MD. RABIUL ISLAM

    1%

    INFLUENCES OF SOCIO'ECONOMIC FACTORS ON JOB SATISFACTION OF READY'MADE GARMENTS"ORKERS

    MUHAMMAD ZIAUL HOQUE & DR. MD. SAFIUL ISLAM AFRAD

    1(

    ) CORPORATE GOVERNANCE PRACTICES: A STUDY OF SELECTED LEADING HOTELS IN INDIABASAVARAJESHWARI DIDDIMANI & DR. ISHWARA P

    22

    ( GENDER DIVERSITY AND INCLUSION IN STRATEGIC HUMAN RESOURCE MANAGEMENT: SUSTAINABLEPEOPLE MANAGEMENT IN THE ASIA'PACIFIC

    DR. PRADNYA CHITRAO, AYESHA KANWAR, AISHA NORONHA & SOMYA SHARMA

    2(

    A STUDY ON THE PROFITABILITY RATIO OF THE DISTRICT CENTRAL COOPERATIVE BANKS IN TIRUNELVELIREGION, TAMILNADU

    DR. A. MAHENDRAN & DR. V. NATARAJAN

    !

    * AN ANALYSIS ON CUSTOMER PERCEPTION AMONG INSURANCE SECTORDR. RAJESH KUMAR

    %$

    1$ GLOBALISATION, SKILL'BASED EDUCATION AND UNEMPLOYMENT IN RURAL ASSAM: AN ECONOMICANALYSIS

    DR. GOBIN CHANDRA BORUAH

    $

    11 FDI IN INDIA: TREND, ISSUES AND CHALLENGESSEEMA RANI & ADITI MOR

    %

    12 PERSONAL INCOME TA+ STRUCTURE IN INDIA: AN EVALUATIONARTI KUMARI

    )$

    1! IMPACT OF STOCK SPLIT ANNOUNCEMENT ON MARKET PERFORMANCE OF STOCKS: A STUDY "ITHREFERENCE TO MANUFACTURING INDUSTRIES IN INDIA

    DR. KUSHALAPPA. S & PALLAVI. N

    )

    1% DETERMINANTS OF CAPITAL STRUCTURE IN TRANSPORT AND TE+TILE SECTORS IN INDIA: ACOMPARATIVE STUDY

    LALIT ASIJA

    )*

    1 CUSTOMERS PERCEPTION TO"ARDS VALUE'ADDED SERVICES OF PUBLIC SECTOR BANKS IN NAMAKKALTO"N STATE OF TAMIL NADU

    SWATHI.V

    (

    1) SOCIO'ECONOMIC STATUS OF MICRO, SMALL AND MEDIUM ENTERPRISES IN HIMACHAL PRADESH: ACASE STUDY OF DISTRICT HAMIRPUR

    SARWAN KUMAR

    !

    1( AN OVERVIE" OF CHILLIES MARKETINGM.SRI RAMA JAYAM

    1 IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON AGRICULTURAL SECTOR INKARNATAKA

    NANDEESHA H K

    *$

    1* EFFECTIVE STRATEGY FOR AGRICULTURAL DEVELOPMENT: "ITH REFERENCE TO KAUTILYASARTHASHASTRA

    SUNITA DEVI

    *%

    2$ IMPACT OF INVESTORS ATTRIBUTES ON INVESTMENT DECISIONSSUSHILA KUMARI & ANIL

    *(

    REQUEST FOR FEEDBACK & DISCLAIMER **

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    VOLUME NO.4(2014),ISSUE NO.09 (SEPTEMBER) ISSN2231-5756

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    iii

    HIEF PATRON

    PROF K K AGGAR"AL,h!ir3!n% M!l!viy! '!tion!l nstitute of 6echnolo&y% J!ipur

    (An n!""#"$ % N'"%n' I)*%+"'n$ & #- #n$ /- Mn!"+- % H#)'n R$!%#+$ D$0$%*)$n", G%0$+n)$n" % In'1

    ,h!ncellor% 7 R M!n&!l!3 8niversity% #ur&!on

    ,h!ncellor% 9in&!y!:s 8niversity% $!rid!b!d

    $ounder ;ice-,h!ncellor (

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    VOLUME NO.4(2014),ISSUE NO.09 (SEPTEMBER) ISSN2231-5756

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    iv

    DR SAMBHAVNA$!culty% 6M% Delhi

    DR MOHENDER KUMAR GUPTAAssoci!te Professor% P J 9 ' #overn3ent ,olle&e% $!rid!b!d

    DR SHIVAKUMAR DEENEAsst Professor% Dept of ,o33erce% "chool of Business "tudies% ,entr!l 8niversity of 7!rn!t!!% #ulb!r&!

    ASSO IATE EDITORS

    PROF NA"AB ALI KHANDep!rt3ent of ,o33erce% Ali&!rh Musli3 8niversity% Ali&!rh% 8P

    PROF ABHAY BANSAL.e!d% Dep!rt3ent of nfor3!tion 6echnolo&y% A3ity "chool of ?n&ineerin& 6echnolo&y% A3ity

    8niversity% 'oid!

    PROF A SURYANARAYANADep!rt3ent of Business M!n!&e3ent% Os3!ni! 8niversity% .yder!b!d

    DR SAMBHAV GARG$!culty% "hree R!3 nstitute of Business M!n!&e3ent% 8r5!ni

    PROF V SELVAM""9% ;6 8niversity% ;ellore

    DR PARDEEP AHLA"ATAssoci!te Professor% nstitute of M!n!&e3ent "tudies Rese!rch% M!h!rshi D!y!n!nd 8niversity% Roht!

    DR S TABASSUM SULTANAAssoci!te Professor% Dep!rt3ent of Business M!n!&e3ent% M!trusri nstitute of P# "tudies% .yder!b!d

    SURJEET SINGH

    Asst Professor% Dep!rt3ent of ,o3puter "cience% # M ' (P#) ,olle&e% A3b!l! ,!ntt

    TE HNI AL ADVISOR

    AMITA$!culty% #overn3ent M "% Moh!li

    FINAN IAL ADVISORS

    DICKIN GOYALAdvoc!te 6!@ Adviser% P!nchul!

    NEENAnvest3ent ,onsult!nt% ,h!3b!&h!t% "ol!n% .i3!ch!l Pr!desh

    LEGAL AD VISORS

    JITENDER S CHAHALAdvoc!te% Pun5!b .!ry!n! .i&h ,ourt% ,h!ndi&!rh 86

    CHANDER BHUSHAN SHARMAAdvoc!te ,onsult!nt% District ,ourts% 2!3un!n!&!r !t J!&!dhri

    SUPERINTENDENTSURENDER KUMAR POONIA

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    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    v

    ALL FOR MANUS RIPTS

    Ce invite unpublished novel% ori&in!l% e3piric!l !nd hi&h u!lity rese!rch wor pert!inin& to recent develop3ents pr!ctices in the !re!s of

    ,o3puter "cience Applic!tionsE ,o33erceE BusinessE $in!nceE M!retin&E .u3!n Resource M!n!&e3entE #ener!l M!n!&e3entE B!nin&E

    ?cono3icsE 6ouris3 Ad3inistr!tion M!n!&e3entE ?duc!tionE 9!wE 9ibr!ry nfor3!tion "cienceE Defence "tr!te&ic "tudiesE ?lectronic "cienceE

    ,orpor!te #overn!nceE ndustri!l Rel!tionsE !nd e3er&in& p!r!di&3s in !llied sub5ects lie Accountin&E Accountin& nfor3!tion "yste3sE Accountin&

    6heory Pr!cticeE Auditin&E Beh!vior!l Accountin&E Beh!vior!l ?cono3icsE ,orpor!te $in!nceE ,ost Accountin&E ?cono3etricsE ?cono3ic

    Develop3entE ?cono3ic .istoryE $in!nci!l nstitutions M!retsE $in!nci!l "ervicesE $isc!l PolicyE #overn3ent 'on Profit Accountin&E ndustri!l

    Or&!ni!tionE ntern!tion!l ?cono3ics 6r!deE ntern!tion!l $in!nceE M!cro ?cono3icsE Micro ?cono3icsE Rur!l ?cono3icsE ,o-oper!tionE

    De3o&r!phy4 Develop3ent Pl!nnin&E Develop3ent "tudiesE Applied ?cono3icsE Develop3ent ?cono3icsE Business ?cono3icsE Monet!ry PolicyE PublicPolicy ?cono3icsE Re!l ?st!teE Re&ion!l ?cono3icsE Politic!l "cienceE ,ontinuin& ?duc!tionE 9!bour Celf!reE PhilosophyE Psycholo&yE "ociolo&yE 6!@

    Accountin&E Advertisin& Pro3otion M!n!&e3entE M!n!&e3ent nfor3!tion "yste3s (M")E Business 9!wE Public Responsibility ?thicsE

    ,o33unic!tionE Direct M!retin&E ?-,o33erceE #lob!l BusinessE .e!lth ,!re Ad3inistr!tionE 9!bour Rel!tions .u3!n Resource M!n!&e3entE

    M!retin& Rese!rchE M!retin& 6heory Applic!tionsE 'on-Profit Or&!ni!tionsE Office Ad3inistr!tion/M!n!&e3entE Oper!tions Rese!rch/"t!tisticsE

    Or&!ni!tion!l Beh!vior 6heoryE Or&!ni!tion!l Develop3entE Production/Oper!tionsE ntern!tion!l Rel!tionsE .u3!n Ri&hts DutiesE Public

    Ad3inistr!tionE Popul!tion "tudiesE Purch!sin&/M!teri!ls M!n!&e3entE Ret!ilin&E "!les/"ellin&E "ervicesE "3!ll Business ?ntrepreneurshipE "tr!te&ic

    M!n!&e3ent PolicyE 6echnolo&y/nnov!tionE 6ouris3 .ospit!lityE 6r!nsport!tion DistributionE Al&orith3sE Artifici!l ntelli&enceE ,o3pilers

    6r!nsl!tionE ,o3puter Aided Desi&n (,AD)E ,o3puter Aided M!nuf!cturin&E ,o3puter #r!phicsE ,o3puter Or&!ni!tion ArchitectureE D!t!b!se

    "tructures "yste3sE Discrete "tructuresE nternetE M!n!&e3ent nfor3!tion "yste3sE Modelin& "i3ul!tionE 'eur!l "yste3s/'eur!l 'etworsE

    'u3eric!l An!lysis/"cientific ,o3putin&E Ob5ect Oriented Pro&r!33in&E Oper!tin& "yste3sE Pro&r!33in& 9!n&u!&esE RoboticsE "y3bolic $or3!l

    9o&icE Ceb Desi&n !nd e3er&in& p!r!di&3s in !llied sub5ects

    Anybody c!n sub3it the s-./ 0-of unpublished novelE ori&in!lE e3piric!l !nd hi&h u!lity 34s45306 7-38/95;s03

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    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

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    vi

    1 KEY"ORDS:Abstr!ct 3ust be followed by ! list of eywords% sub5ect to the 3!@i3u3 of five 6hese should be !rr!n&ed in !lph!betic order sep!r!ted byco33!s !nd full stops !t the end

    I MANUSCRIPT:M!nuscript 3ust be in BRITISH ENLISHprep!red on ! st!nd!rd A+ sie !ORTR"IT SETTIN !"!ER t 3ust be prep!red on ! sin&le sp!ce !ndsin&le colu3n with 3!r&in set for top% botto3% left !nd ri&ht t should be typed in = point ,!libri $ont with p!&e nu3bers !t the botto3 !nd centre of every

    p!&e t should be free fro3 &r!33!tic!l% spellin& !nd punctu!tion errors !nd 3ust be thorou&hly edited

    K HEADINGS:All the he!din&s should be in ! * point ,!libri $ont 6hese 3ust be bold-f!ced% !li&ned left !nd fully c!pit!lised 9e!ve ! bl!n line before e!chhe!din&

    = SUB'HEADINGS:All the sub-he!din&s should be in ! = point ,!libri $ont 6hese 3ust be bold-f!ced% !li&ned left !nd fully c!pit!lised

    -4 /64 /5>=4.4 94/4=-7 /64 /5>=4. REFERENCES:6he list of !ll references should be !lph!betic!lly !rr!n&ed 6he !uthor (s) should 3ention only the !ctu!lly utilised references in the prep!r!tion

    of 3!nuscript !nd they !re supposed to follow H5353 S/=4 -. R4.4340*@@)% such !s !fter 7ohl (*)4 L,usto3er ;!lue4 A ,o3p!r!tive "tudy of Rur!l !nd 8rb!n ,usto3ers%L 6hesis% 7urushetr! 8niversity% 7urushetr!ONLINE RESOURCES

    Alw!ys indic!te the d!te th!t the source w!s !ccessed% !s online resources !re freuently upd!ted or re3oved"EBSITES

    #!r&% Bh!vet (>*)4 6ow!rds ! 'ew '!tur!l #!s Policy% Politic!l Ceely% ;iewed on J!nu!ry *% >*> http4//epwin/user/view!bstr!ct5sp

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    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

    http4//i5rc3or&in/

    =

    EFFECTIVENESS OF RURAL MARKETING STRATEGIES ON BRANDED FMCGs: A CASE STUDY IN

    KANYAKUMARI DISTRICT

    DR. %. SREEDE%I

    !ROFESSOR &RETD.'

    DE!"RTMENT OF M"N"EMENT STUDIES

    !ON(ESL) COLLEE OF ENINEERIN

    N"ERCOIL

    M. SUL"I!HER

    RESE"RCH SCHOL"R

    BUSINESS "DMINISTR"TION

    M"NONM"NI"M SUND"R"N"R UNI%ERSIT)

    TIRUNEL%ELI

    ABSTRACTT2$ /%""%) % "2$ *-+') 3 %n"n#$ "% 4+%3 'n $)$+4$ '! ' 2#4$ *%"$n"' )'+5$" %+ )'n#'"#+$ 4%%! 'n !$+0$! n 'n #n*+$$$n"$ )'nn$+ n

    "2$ -$'+! "% %)$. T2! "+$n 3%# *+%0$ ' *$+$nn' *%*#'"%n 0$n %+ F'!" M%0n4 C%n!#)$+ G%%! %)*'n$!. .A%+n4 "% ' +$*%+" /- N$!$n, "2$

    In'n +#+' )'+5$" ! "**$ "% 4+%3 )%+$ "2'n "$n% "% USD 677 B%n /- 8789, *+$!$n"n4 ' 2#4$ %**%+"#n"- %+ F'!" M%0n4 C%n!#)$+ G%%! /+'n!. T2$

    F'!" M%0n4 C%n!#)$+ G%%! 4'n"! n In' 5$ Hn#!"'n UnL$0$+, ITC, B+"'nn', N$!"$, P+%"$+ 'n G')/$ $". 2'0$ '+$'- *+%0$ "2$+ !'$! *$+%+)'n$n +#+' )'+5$"! 'n %n"n#$ "% $:"$n "2$+ !'$!. T2$ F'!" M%0n4 C%n!#)$+ G%%! %)*'n$! %0$+ "2$ -$'+! 2'0$ $0$%*$ 'n )*$)$n"$ +#+'

    )'+5$"n4 !"+'"$4$! "% %0$+%)$ "2$ 2'$n4$! n +#+' )'+5$"!. T2$ )';%+ 2'$n4$! n +#+' )'+5$"! '+$ A3'+$n$!!, A%+'/"-, A0''/"- 'n

    A$*"'/"- % "2$+ /+'n!. T2$ F'!" M%0n4 C%n!#)$+ G%%! %)*'n$! n$$ "% "'+4$" 'n 4'n "2$+ *+%"'/"- "2+%#42 #!"%))%Afford!bility(N0) !nd Accept!bility(N+)

    T

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    VOLUME NO.4(2014),ISSUE NO.09 (SEPTEMBER) ISSN2231-5756

    INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENTA Monthly Double-Blind Peer Reviewed (Refereed/Juried) Open Access ntern!tion!l e-Journ!l - ncluded in the ntern!tion!l "eri!l Directories

    http4//i5rc3or&in/

    1

    percent of the v!ri!tion in ?ffectiveness of rur!l 3!retin& str!te&ies is e@pl!ined by the esti3!ted "RP th!t uses Aw!reness% Av!il!bility% Afford!bility !nd

    Accept!bility !s the independent v!ri!bles !nd R su!re v!lue is si&nific!nt !t level

    6he Multiple Re&ression ?u!tion is

    2 Q *IN **=KN> *1*N0 *+>N+

    6he !bove eu!tion shows th!t the ,oefficient of Nis **>I represents the p!rti!l effect of Aw!reness on effectiveness of rur!l 3!retin& str!te&iesE holdin&

    Av!il!bility% Afford!bility !nd Accept!bility const!nt 6he esti3!ted positive si&n i3plies th!t such effect is positive th!t effectiveness of rur!l 3!retin&

    str!te&ies would incre!se by **>I for every unit incre!se in Aw!reness !nd this coefficient v!lue is si&nific!nt !t percent level 6he ,oefficient of N>is ***=K

    represents the p!rti!l effect of Av!il!bility on effectiveness of rur!l 3!retin& str!te&iesE holdin& Aw!reness% Afford!bility !nd Accept!bility const!nt 6he

    esti3!ted positive si&n i3plies th!t such effect is positive th!t effectiveness of rur!l 3!retin& str!te&ies would incre!se by **=K for every unit incre!se in

    Av!il!bility !nd this coefficient v!lue is not si&nific!nt !t 1 percent level 6he ,oefficient of N 0 is *1* represents the p!rti!l effect of Afford!bility on

    effectiveness of rur!l 3!retin& str!te&iesE holdin& Aw!reness% Av!il!bility !nd Accept!bility const!nt 6he esti3!ted positive si&n i3plies th!t such effect is

    positive th!t effectiveness of rur!l 3!retin& str!te&ies would incre!se by *1* for every unit incre!se in Afford!bility !nd this coefficient v!lue is not si&nific!nt

    !t 1 percent level 6he ,oefficient of N+is *+> represents the p!rti!l effect of Accept!bility on effectiveness of rur!l 3!retin& str!te&iesE holdin& Aw!reness%

    Av!il!bility !nd Afford!bility const!nt 6he esti3!ted positive si&n i3plies th!t such effect is positive th!t effectiveness of rur!l 3!retin& str!te&ies would

    incre!se by *+> for every unit incre!se in Accept!bility !nd this coefficient v!lue is si&nific!nt !t percent level

    ) FINDINGS 6he effectiveness of str!te&ies for Av!il!bility of Br!nded $M,#s in rur!l 3!ret is very low> 6he Afford!bility of Br!nds is r!ted hi&h in effectiveness of rur!l 3!retin& str!te&ies for those e!rnin& 3ore th!n Rs >%*** per 3onth

    0 6he effectiveness of rur!l 3!retin& str!te&ies depends hi&hly on how best the ch!llen&es in rur!l 3!retin& !re 3et by the co3p!nies

    ( SUGGESTIONS1 6he $M,# co3p!nies should 3!e !v!il!ble of their products in rur!l 3!rets for convenient purch!se by rur!l consu3ers 6he 3!nuf!ctures c!n use

    3otor bies !nd !utorish!s to supply their products in rur!l shops re&ul!rly bec!use the loc!l 3!nuf!ctures &ener!lly use 3otor bies to ensure re&ul!r

    stoc replenish3ent

    2 Only the hi&h inco3e (!bove Rs>*** per 3onth) e!rnin& consu3ers only find Br!nded $M,#s !fford!ble while 3ost of other consu3ers &o for low

    priced spurious products 6herefore% the co3p!nies 3ust &ive due consider!tion in price so !s to 3!e the products !fford!ble to !ll c!te&ories! 6he co3p!nies should &ive i3port!nce to !l l +A:s while for3ul!tin& rur!l 3!retin& str!te&ies

    CONCLUSION6he rur!l 3!ret h!s opened up hu&e opportunities to the 3!reters who need to fully underst!nd the dyn!3ics of rur!l 3!ret !nd convert their business

    intent into str!te&ies th!t c!n sust!in !s well !s incre!se their penetr!tion into rur!l 3!rets 6he $M,# co3p!nies in this re&!rd need to pl!n 3ore inclusive

    corpor!te str!te&ies with thrust on rur!l 3!rets 6he effectiveness of e@istin& 3!retin& str!te&ies h!s been 3ini3!l 6he 3!nuf!ctures% h!ve to therefore%

    need to focus on the Av!il!bility of their products in rur!l 3!rets for convenient purch!se by rur!l consu3ers !t !n !fford!ble price 6his re-orient!tion 3!y

    force the $M,# co3p!nies to re-ev!lu!te their 3!retin& str!te&ies

    REFERENCES An!nd "en&upt!(>*)% 9ure of Rur!l ndi!% JR?""% ;ol% ssue0% Dece3ber >*% pno >< ++

    > Ashf!ue Ah3ed (>*0)% SRur!l 3!retin& str!te&ies for sellin& products services4 ssues ,h!llen&es% Journ!l of Business M!n!&e3 "oci!l "cienceRese!rch%;ol>% 'o% pno11 I*

    0 Devi Pr!s!d 7otni (>*>)% SProspects !nd Proble3s of ndi!n rur!l 3!ret% T?'6. ntern!tion!l Journ!l of Business ?cono3ics M!n!&e3ent Rese!rch%

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