D. MURALEEDHARAN, Ph.D., former Head, Department of Commerce, Sree Narayana College, Kollam, Kerala. He was also Co-ordinator, Institute of Management in Kerala, Alappuzha and senior research guide and member of PG Board of Studies, University of Kerala. He has several years of teaching and research experience. Dr. Muraleedharan has published many research papers in reputed journals and has authored the book Mobilisation of Savings in the Household Sector.