• Book-keeping:- Book-keeping is most important activity in Financial Management, in this agency area lack of qualified book-keepers, the book-keeping not maintaining properly at VO level as well as MS level and most of the book-keepers are below SSC level at VO and MS level.
  • Lack of Financial Literacy:- Most of the book-keepers are in agency area are faced much more difficulties in maintaining of accounts through eFMS because book-keepers are not having technical skills like online accounting package and other computer knowledge.