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Group sustainability in the context of credit and finance, particularly for Self-Help Groups (SHGs), Joint Liability Groups (JLGs), or Microfinance Institutions (MFIs), refers to the capacity of the group to maintain long-term functionality, financial discipline, and mutual trust while continuing to access and repay credit. Ensuring sustainability requires a combination of institutional, financial, and social guidelines that foster accountability, collective decision-making, and resilience to economic and social disruptions. One of the primary guidelines is the establishment of a clear group formation process. A sustainable group should consist of members with homogenous socio-economic backgrounds, similar income levels, and mutual trust. Regular training and orientation programs must be conducted to educate members about group norms, credit discipline, and record-keeping. These help in building the capacity __________ ____ _______ ________ ______ ____ ____ ______ ___ ___.
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