1. The Yenepoya Institute of Arts, Science, Commerce & Management, Yenepoya (Deemed to Be University), Mangalore, India
2. College of Business Administration, Kingdom University, Bahrain
3. Research Scholar, Institute of Management and Commerce, Srinivas University, Mangalore, India
4. University Evening College Mangaluru, Mangalore, India
5. Department of Commerce, University College, Mangalore, India