US$150

For Dr. Mrs. Smita Totade, India for her article “Information Systems Audit”

US$150

For Mr. Esayas Solomon & Mr. Yohannes Teclemichael, Eritrea for their article“Compulsory Motor Vehicle Insurance and Settlement of Claims for Death and Bodily Injury: The Eritrean Experience”

US$100

For Mr. Gulam Muntaqa, India for his article “Crop Insurance - An Indian Experience”