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...Self help groups shgs drishtiias com printpdf what are informal associations of people who choose to come together find ways improve their living conditions it can be defined as governed peer controlled information group with similar socio economic background and having a desire collectively perform common purpose villages face numerous problems related poverty illiteracy lack skills formal credit etc these cannot tackled at an individual level need collective efforts thus shg become vehicle change for the poor marginalized rely on notion encourage employment alleviation functions looks build functional capacity in field income generating activities resolves conflicts through leadership mutual discussion provides collateral free loan terms decided by market driven rates such work guarantee system members propose borrow from organised sources collect savings save banks return they receive easy access loans small rate interest start micro unit enterprise consequently have emerged most ef...