SCHOOL OF MANAGEMENT STUDIES No: SMS .

COCHIN UNIVERSITY OF Date.~.z7..,g.:-:;?,p..0.3

SCIENCE AND TECHNOLOGY
KOCHI - 682 022

CERTIFICATE

Certified that the thesis UA Stlldy of Chit Finance in Kerala

with Special Emphasis on Kerala State Finan,cial Enterprises Ltd." is
the record of bonafide research carried out by Smt. Sallyamma Job
under my guidance. The thesis is worth submitting for the Degree of
Doctor of Philosophy in social sciences.

Dr. James Manalel

KOCHI- 682 022, KERALA,INDIA ((): Office: 0484-555310. 542096, 550946

Grams: Cusat, Kochi - 22, Telex: 885-5019, CU IN, Fax: 91-484-532495
e-mail: sms@cusat.ac.in