1993 - 1995     Ph.D.; Major: Finance
                         University of Massachusetts, Amherst, MA, USA.

1990 - 1993     Ph.D. Student; Major: Accounting
                           University of Massachusetts, Amherst, MA, USA.

1988 -1990     M.B.A.; Major: Accounting
                           Morgan State University, Baltimore, MD, USA.

1986 - 1988     M.A.; Major: Business Economics
                           University of Delhi, New Delhi,  India.

1983 - 1986     B.Com. (Honors)
                           University of Delhi, New Delhi,  India

Academic Honors

Teaching Excellence Award, School of Business Administration, Philadelphia University (2006)

Research Assistantship, Ph.D. Program, University of Massachusetts, 1990-1995

Academic Achievement Award, MBA Program, Morgan State University, 1990

Graduate Assistantship, MBA Program, Morgan State University, 1989-1990

Frank A. De Costa Scholarship for Academic Excellence, Morgan State University, 1988

Distinguished Student Award, BBA (Honors), University of Delhi, 1984

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