Sagheer Khan Unversity of Azad JAmmu & Kashmir, Muzaffarabad Paskistan   khansagheer40@gmail.com m.jamil@ajku.edu.pk m.jamil@ajku.edu.pk Muzaffarabad, AJK 13100 Pakistan   khansagheer40@gmail.com             JEL Areas: I3 : Welfare and Poverty: General O : Economic Development, Technological Change, and Growth