To Measure Socio-Economic Impact on Living Standards of Individual Beneficiaries Of Credit

272 Pages·2017·2.71 MB·English

To Measure Socio-Economic Impact on
Living Standards of Individual Beneficiaries
Of
Credit Societies

A thesis submitted to Gujarat Technological University
for the Award of

Doctor of Philosophy
In
Management

By
Dipak Shantilal Gaywala
Enrollment No.: 119997392008

Under Supervision of

Dr. P.G.K.Murthy

Gujarat Technological University
AHMEDABAD
June - 2018
Annexure-II

©Dipak Shantilal Gaywala

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Annexure-III
DECLARATION

I declare that the thesis entitled To Measure Socio-Economic Impact on Living
Standards of Individual Beneficiaries of Credit Societies is my own work for
the degree of Doctor of Philosophy in Management is the record of research work
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carried out during the period from 10 July, 2013 – 4 September, 2017 under the
supervision of Dr.P.G.K.Murthy and this has not formed the basis for the award of
any degree/ diploma, associate ship, fellowship, titles in this or any other
University or other institution of higher learning.

I further declare that the material obtained from other sources has been duly
acknowledged in the thesis. I shall be solely responsible for any plagiarism or
other irregularities, if noticed in the thesis.

…………………………………….
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Signature of the Research Scholar Date: 15 June 2018
Name of Research Scholar: Dipak Shantilal Gaywala
Place: Vadodara

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Annexure-IV
CERTIFICATE

I certify that the work incorporated in the thesis titled To Measure Socio-Economic
Impact on Living Standards of Individual Beneficiaries of Credit Societies
submitted by Shri Dipak Shantilal Gaywala was carried out by the candidate under
my supervision and guidance.

To the best of my knowledge: (i) the candidate has not submitted the same research
work to any other institution for any degree / diploma, associate ship, Fellowship or
other similar titles (ii) the thesis submitted is a record of original research work done
by the Research Scholar during the period of study under my supervision, and (iii) the
thesis represents independent research work on the part of the Research Scholar.

…………………………………….
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Signature of Supervisor Date: 15 June 2018
Name of Supervisor: Dr.P.G.K.Murthy
Place: Limda, Tal.Waghodia, Dist.Vadodara

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Annexure-IV (A)
Course-work Completion Certificate
This is to certify that Mr.Dipak Shantilal Gaywala, enrolment no. 119997392008 is a
PhD Scholar enrolled for PhD program in the branch Management of Gujarat
/Technological University, Ahmedabad.
(Please tick the relevant option(s))
He has been exempted from the course-work (successfully completed during
M.Phil Course)
He has been exempted from Research Methodology Course only (successfully
completed during M.Phil Course)
He has successfully completed the PhD course work for the partial
requirement for the award of PhD Degree. His performance in the course
work is as follows-

Grade Obtained in Research Grade Obtained in Self Study
Methodology Course(Core Subject)
(PH001)
B BC

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Supervisor’s Signature Date: 15 June 2018

Name of Supervisor Dr. P.G.K.Murthy

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Annexure-V

Originality Report Certificate

It is certified that PhD Thesis titled To Measure S0cio Economic Impact on Living
Standards of Individual Beneficiaries of Credit Societies by Dipak Shantilal
Gaywala has been examined by us. We undertake the following:

a. Thesis has significant new work / knowledge as compared already published or is
under consideration to be published elsewhere. No sentence, equation, diagram,
table, paragraph or section has been copied verbatim from previous work unless it
is placed under quotation marks and duly referenced.
b. The work presented is original and own work of the author (i.e. there is no
plagiarism). No ideas, processes, results or words of others have been presented as
Author own work.
c. There is no fabrication of data or results which have been compiled / analyzed.
d. There is no falsification by manipulating research materials, equipment or
processes, or changing or omitting data or results such that the research is not
accurately represented in the research record.
e. The thesis has been checked using Turnitin (copy of originality report attached)
and found within limits as per GTU Plagiarism Policy and instructions issued
from time to time (i.e. permitted similarity index ≤ 25%).

…………………………………….
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Signature of the Research Scholar Date: 15 June 2018
Name of Research Scholar: Dipak Shantilal Gaywala
Place: Vadodara

…………………………………….
th
Signature of Supervisor Date: 15 June 2018
Name of Supervisor: Dr.P.G.K.Murthy
Place: Vadodara
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