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Self-Help Groups (SHGs) have emerged as a significant tool for poverty alleviation by promoting collective action, financial inclusion, and empowerment of marginalized communities. They are small, voluntary associations, usually consisting of 10–20 members, who come together to save regularly, pool resources, and provide loans to each other from the collected savings. This grassroots-based approach addresses the twin challenges of credit access and social empowerment, which are often interlinked in the context of poverty reduction. The core principle of SHGs is mutual trust and cooperation among members, which enables them to bypass traditional banking hurdles such as collateral requirements and complex documentation. Many SHGs operate under the guidance of non-governmental organizations (NGOs), government schemes, or microfinance institutions. The National Bank for Agriculture and Rural Development (NABARD) __________ ___ _________ _________ _____ _______.
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