iv

ACKNOWLEDGEMENT

I take this opportunity to extend my heartfelt thanks to all those who have

contributed to make this Ph.D. thesis a success. I give glory and honor to Almighty

God for his blessings, wisdom and guidance for enabling me to complete my thesis.

It’s really fortunate that I have benefited with such a good academic

company and full family support for which I will always be thankful. In this

acknowledgement I would like to thanks many people and institutions whose

contribution has made it possible.

First of all I would like to express my deepest gratitude towards my guide Dr.

R.N. Wakchaure, Assit. Professor, Pravara Rural Education Society’s, Arts,

Commerce and Science College, Rahata, for the kind co-operation and help which

he extended wholeheartedly during the research work. Unless his thorough

supervision, the work would have never taken shape. I humbly present my

wholehearted thanks to him.

I am also thankful to Nehru Institute of Social Sciences, Tilak Maharashtra

Vidyapeeth. Pune, to enrolled me to complete my work for the degree of Doctor of

Philosophy in Economics.

I pay my sincere thanks to the Management and Authorities of B.P.H.E.

Society’s, Ahmednagar College, Ahmednagar. I will always be thankful to Principal

Dr. R.J.Barnabas and Secretary Mr. Philip Barnabas Sir for their valuable

guidance and moral support, thanks for the kind co-operation.

I express sincerely thanks goes to Dr.S.R.Dastane, Director, N. Wadia

Management Institute, Pune, for timely suggestions and encouragement.

I give my sincere thanks to the Library Staff of GIPE, NIBM, TMV,

YASHDA, VMNICOM, NABARD, Pune University, Aurangabad University and

Co-operative Training Centre, Ahmednagar for their full co-operation to fulfill the

data and material related to study.

I express sincere thanks to my friends Prof. N.S.Gaikwad, Registrar Arun

Balid, Prof .Vinay Rannaware, Mr. Joy Thomas, Prof. Unde, Prof. Brave, Prof.

More, Prof. S.Vegas, Prof. Bedarkar, Prof. Shaligram, Prof.M.H.Shinde and many

others whose names are not mentioned here.

I would like to thanks to my parents, my family members and especially to

my wife Mrs. Varsha P. Kadam, for their inspiration, active support and endurance.

Once again I simply and humbly say thanks to you all.

Date- 23rd

Dec, 2010. Mr. Kadam Parag Pramod