12. (A)
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The concept of self-help groups is to
2. Arrange collateral for the poor
b. Approach the informal sources of credit for loans
c. Keep a record of the credit facilities for the poor
d. Help the rural poor (especially women) to become financially self-reliant.
OR
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SHG is a mutual help group of people who provide support among themselves.
1:In a SHG (Self Help Group) important decisions in regard to loan and savings are taken by group members.
2:Self Help Groups issue loans (credit) at reasonable rate of interest.
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