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VOLUME 5,ISSUE 12,DECEMBER,2018

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Author Names : ALHAJI KAWUGANA FEDERAL POLYTECHNIC P.M.B 0231 BAUCHI, BAUCHI STATE NIGERIA alhajikawugana@gmail.com FARUNA SIMON FARUNA Sfaruna@gmail.com FIRST BANK OF NIGERIA PLC

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Author Names : Ravi Shankar Prasad

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Author Names : Sony Kumari

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Author Names : Prof. J.S.Mathur

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Author Names : Prof. Ghanshyam K. Jibhakate

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Author Names : डाॅ. गिरजा शंकर गुप्ता

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Author Names : Dr. Prasad Bhanage Director Madanbhai Sura Institute of Business Management, Khed, Ratnagiri

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Author Names : Dr. Maninder Pal Singh

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Author Names : Dr. Sitaram Dr. Bitthal Bissa

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Author Names : AKANSHA THAKUR1 AND DR. GAJRAJ SINGH2 DEPARTMENT OF COMMERCE

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Author Names : Dr. Nirmala Devi, Assistant Professor, GNDU Regional Campus, Jalandhar, and Ms. Supreet Kaur, Research Scholar, Department of Laws, GNDU, Amritsar

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Author Names : 1 Ruchika Bhaskar 2 Dr. Gajraj Singh Ahirwar 1Research Scholar, Department of Commerce, Sri Satya Sai University of Technology & Medical Sciences, Sehore (MP) 2 Research Guide, Department of Commerce, Sri Satya Sai University of Technology & Medical Sciences, Sehore (MP)

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Author Names : Tarun Kumar Kaushik

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Author Names : Ravinderjeet Kaur Research Scholar of Law, Punjabi University, Patiala.