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. Abebe Gerem Hailu has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 7, Issue- 2, May 2020, pp. 37-43." Paper Title:- " RETURN RATIO APPROACH TO FUNDS’ MANAGEMENT (COST-BENEFIT ANALYSIS): COOPERATIVE BANK OF OROMIA (CBO), HEAD OFFICE, ADDIS ABABA, ETHIOPIA. " Chief Editor Managing Editor