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Dr. Harish M. Chandaran is M.Com, M.Phil, Ph.D. At present he is Head of Commerce Department at Shri H.N. Doshi Arts & R.N. Doshi Commerce College, Wankaner (Gujarat). He has 15 years of teaching experiences at U.G. level and 8 years at P.G.level for dM.Com. he is also a visiting faculty at Department of Commerce & Business Adminictration, Saurashtra University, Rajkot. He is a member of Board of Studies in Commerce, Saurashtra University. He is Executive Member of Indian Accounting Association, Saurashtra Branch. He has contributed a number of research papers in several National and International conferences. His paper on 'Micro Insurance – Reducing the vulnerabilities of the poor" has been awarded the "out standing research paper" in International Conference on "Micro Finance" held by Pondicherry Univeristy on 21-23, January 2009. He has written two books i.e. Personality Development and Introduction to VAT. His areas of interest are Taxation, Insurance, Marketing Management and Finance.