Description

This book is the result of research that has been made possible by the guidance, support and encouragement of so many well wishers. I take this opportunity to acknowledge their contribution to this study.
First and foremost, I would like to thank my research guide Dr. George Varghese, for accepting me as his student and for his constant encouragement, support, and readiness to help despite his busy schedule.
I am extremely grateful to Dr.James Manalel, Professor, SMS, CUSAT for being my research committee member and continuously monitoring the progress of the research and providing encouragement to complete this study.
I am extremely thankful to Dr.K.B.Pavithran, Director, School of Management Studies, for extending all facilities for enabling the completion of this study
I express my deep sense of reverence, respect,, and gratitude to Dr. K.C Shankaranarayanan, Director (Retired) School of Management Studies for his invaluable guidance, support and assistance in improving the final report.
I remember with respect the motivation and encouragement given to me in beginning the research work by Dr. K.K George, Director (Retired) School of Management Studies.
I wish to thank all faculty members and research scholars of the School of Management Studies of CUSAT for their comments and inputs during both formal and informal interactions, which have gone a great way in improving the quality of this thesis.

I express my gratitude to the Bank of Baroda, for giving me permission to sthe tudy, and to the respondents viz officers working in Bank of Baroda and the borrowers of CGTMSE for their sincecooperationion without which this study would not have been possible.
I express my deep sense of gratitude and appreciation to my wife and daughter, for all the support and prayers for completing this research.
Above all I thank GOD ALMIGHTY for all the blessings, without which this study would never have been possible.