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- 1, Issue- 16, December 2016, pp. 206-212." Paper Title:- " A STUDY ON SAVINGS PATTERN AMONG THE WOMEN SELF-HELP GROUPS IN KOLLAM DISTRICT OF KERALA. " Chief Editor Managing Editor