Dr.K.Martina Rani Presently, working as Associate Professor and as Director- foreign relations in the Department of Business Management at St. Joseph’s Degree & PG College, Abids, Hyderabad, Telangana.   She has more than 25 years’ of experience in Industry, Teaching, Research and Administration and has international exposure as a Professor in an Ethiopian University, and a regular presenter of papers in Microfinance forum, Europe, with a project done in microfinance, and is  an  awardee of Best Professor in Financial Management and also awarded by Institute of Scholars (InSc)  and  obtained a few Best Paper awards. She was an invitee for a  presentation of inputs for Indias  Financial Inclusion 2012-2017.  Also, serving as Honorary Professor in JNIAS, and and she is a  Ph.D guide from JNIAS. Hyderabad.