S,K Roy Chowdhry (b, 1949) is alumni of Elohinstone collage Bombay university, form where he also obtained his doctorate in Economics in 1979, his area of special Financial Institutions. He has industries in several national and international conferences and seminars and has also published over dozen articles in leading journals in india and abroad, He has worked. in various capacities in Electronic Corporation of Karnataka, Small industry Development Corporation, Maharashtra, Federation of Small Scale Organisations (Calcutta Chapter)and industrial Credit and investment Corporation of lndla, Currently he is engaged in a two-year assignment on infrastructure for Small Scale industries in Eighth Plan Period, sponsored by Centre for Study of industrial Economics, Madras,
P.R. Shukla (b. 1954) obtained his doctorate in Economics from Banaras Hindu University. After six years of teaching in colleges, he joined as partner in the consultants' firm in New Delhi, His area of expertise is feasibility reports and economic applications for entrepreneurs in Uttar Pradesh, Rajasthan, Haryana and Delhi.