Monika AggarwalDr. Monika Aggarwal, is presently working as Senior Lecturer in Commerce, Hans Raj Mahila Mahavidyalaya, Jalandhar, Punjab, India. She is M. Com. (1998), Ph.D. (2003) from Guru Nank Dev University, Amritsar. She has got 7 years of teaching and 1 year of industrial experience. Apart form teaching she has keen interest in research. She got 11 Research papers published in various referred national and international Journals and Edited Books and has presented papers in 10 in national seminars/conferences and 2 in international seminars/conferences. She has undertaken a minor research project (UGC sponsored Rs. 80,000) on "Relative Productivity of Commercial Banks in India" and is also acting as Associate Editor of Commerce Spectrum, a Journal of Commerce and Business Studies. Seven M. Phil. dissertations has been successfully completed under her guidance. She is member of British Accounting Association (2007-2008), and life member of Research Development Association, Jaipur, Indian Commerce Association, New Delhi. Read More Read Less