Describe various characteristics of SHGs and their relationship with microfinance.

The characteristics of Self-Help Group (SHG) are :

(i) People form their personal groups for the purpose of savings and also lend money among themselves.
(ii) Rate of interest is lower than imformal service providers.
(iii) They can also avail loans from banks if their savings are regular.
(iv) Decisions regarding the savings and loan activities are taken by group members.

The SHG model in India evolved from early microfinance experiences of the Grameen Bank in Bangladesh, and developmental program(s) in South India in the early 1970-80s .These formative schemes showed the benefits of providing small loans to disadvantaged women, who then reported higher loan repayment rates but also higher utilisation of loans towards household wellbeing . At its core, the SHG model comprises 10–15 poor adult women (clients) organised into groups with members mostly from a similar background or socio-economic status . Targeting clients for inclusion into SHGs is mostly ______ __________ _______ ___ _________ __________.
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