To identify a research problem effectively, it is important to follow certain logical steps which aid in accurately defining the scope and focus of the research. Let's examine the given statements in detail to understand which among them are crucial for identifying a research problem:

1. Selection of the academic area (Option a): It is essential to determine the broader field of study where the research will be focused. This sets the background and provides a broad context for the research.
2. Demarcation of the study area (Option b): After selecting the academic area, it is important to narrow down the scope to a specific study area. This helps in focusing the research on a particular aspect of the field.
3. Rejection of personal and collective choices (Option c): While objectivity is crucial, this step is more about avoiding biases rather than defining a research problem.
4. Specific topics within the area (Option d): Identifying specific topics within the chosen study area is crucial. This step involves pinpointing the exact problem or question that the research will address.
5. Management of financial sources (Option e): Though important for conducting and sustaining research, financial management does not directly relate to the identification of a research problem.

Based on this analysis, the steps that are directly involved in identifying a research problem are:

• Selection of the academic area (a)
• Demarcation of the study area (b)
• Specific topics within the area (d)

Therefore, the correct answer is: (a), (b), and (d).

This approach ensures that the research problem is well-defined, relevant to the chosen academic field, and focused enough to be addressed effectively through research efforts.