INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH REVIEW (IJMDRR) (www.ijmdrr.com) Bangalore-560083, INDIA. Print ISSN: 2395-1877 Online ISSN: 2395-1885 Impact Factor: 7.352 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Prof. Gurwinder Kaur has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 1, Issue- 37, March 2018, pp. 11-17." Paper Title:- " MICROFINANCE: A WAY OUT FOR THE RURAL DEVELOPMENT. " Chief Editor Managing Editor