About The Author:- Ambika Prasad Pati (b. 1969) is a Post Graduate in Commerce from Utkal University. Also completed his M.Phil., LLB and Ph.D. from the same University. He is an Associate Member of the Institute of Cost and Works Accountants of India, Calcutta and Diploma holder in Business Finance from ICFAI, Hyderabad. He is a scholar in the finance areas, particularly working on Banking and Micro Finance. He has published more than 30 articles in these areas in national and international journals of repute and presented equal number of research papers in seminars/conferences in India and abroad. He has completed two projects one each from UGC and ICSSR. Under his supervision three research scholars have completed their Ph.D. works. For the last 18 years he has been actively engaged in teaching and research and presently working as an Associate Professor in the Department of Commerce, North Eastern Hill University, Shillong.