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Self-help groups (SHGs) are small voluntary associations of people, typically from similar socio-economic backgrounds, who come together with the aim of solving their common financial issues through mutual help, especially in the domains of credit and savings. In the context of credit and finance, the principles of savings and credit within SHGs are foundational to their functioning and sustainability. One of the core principles is regular and small savings. SHG members are encouraged to save a fixed amount regularly, usually on a weekly or monthly basis. These savings may be modest, but they form the financial backbone of the group. The emphasis is on consistency rather than quantity, allowing even the poorest members to participate. These savings contribute to a common group fund, which is then used to provide credit _________ _____ _______ ____ ______ _________.
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