Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Syeda Qurrat Ul Ain, Dr.G.Gunaseelan, Dr.M.Gurusamy has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 4, Issue- 12, August 2020, pp. 68-76." Paper Title:- " A COMPARATIVE STUDY ON RISK MANAGEMENT BETWEEN INDIVIDUALS AND MICRO FINANCIAL INSTITUTIONS IN INDIA " Chief Editor