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Micro-credit in India has gained promotion through a combination of policy support, institutional innovation, and community-based approaches that aim to enhance financial inclusion among the poor, particularly women and marginalized groups. One of the most significant drivers has been the Self-Help Group (SHG)-Bank Linkage Programme initiated by NABARD in the early 1990s. This model encourages small groups, especially of rural women, to pool their savings and access collateral-free loans from banks. Over time, this initiative expanded rapidly due to its participatory approach, peer monitoring, and high repayment rates, making it a cornerstone of micro-credit expansion in India. Government interventions have further accelerated the promotion of micro-credit. Schemes such as the National Rural Livelihood Mission (NRLM) and National Urban ________ _________ _____ __________ _____ _________ ___.
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