The basic idea behind Self-Help Groups (SHGs) for the poor is to provide a platform where marginalized individuals, especially women, can come together. These groups pool their resources, access credit, engage in income-generating activities, and enhance their overall well-being. SHGs help overcome the problem of lack of collateral faced by poor borrowers. They offer timely loans for various purposes at reasonable interest rates, fostering self-employment opportunities and financial empowerment