INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Nisa. S, Dr.M. M. Sulphey has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 2, Issue- 15, October 2016, pp. 54-61." Paper Title:- " A COMPARATIVE STUDY ON SAVINGS PATTERN AMONG THE WOMEN SELF-HELP GROUPS IN KOZHIKODE AND KOLLAM DISTRICTS OF KERALA. " Chief Editor Managing Editor