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. BhavanaUmanath, A.N.Santosh Kumar has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 3, Issue- 21, January 2018, pp. 12-15." Paper Title:- " ENTERPRISE RISK MANAGEMENT IN SMALL AND MEDIUM ENTERPRISES -- A REVIEW. " Chief Editor Managing Editor