[1] HNB Garhwal Univ, Dept Econ, Srinagar, Uttarakhand, India
[2] HNB Garhwal Univ, Dept Sociol & Social Work, Srinagar, Uttarakhand, India
[3] Univ Jammu, Dept Econ, Udhampur Campus, Udhampur, Jammu & Kashmir, India
[4] PO Pallanwala, Tehsil Khour 181204, India