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| Urmi Pattanayak |
| North Orissa University |
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| Doctoral Scholar in Economics |
| North Orissa University |
| Baripada, Mayurbhanj |
| Takatpur, Odisha 757003 |
| India |
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| urmi14989@gmail.com |
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JEL Areas:
Q1 : Agriculture: General
G2 : Financial Institutions and Services: General |
