First Author:   Shiferaw Gurmu Georgia State University sgurmu@gsu.edu   Department of Economics, Andrew Young School of Policy Studies, Georgia State University, P.O.Box 3992 Atlanta, 30302, U.S.A   (404) 413-0161(Phone) (404) 413-0161(Fax) http://www.gsu.edu/~ecosgg Second Author: Mohammad Yunus Bangladesh Institute of Development Studies myunus@sdnbd.org