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. Dr.G.Shoba has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 1, Issue- 5, June 2016, pp. 9-20." Paper Title:- " AN ANALYSIS ON THE LENDING PRACTICES WITH SPECIAL REFERENCE TO COOPERATIVE BANK, VANIYAMBADI BRANCH " Chief Editor