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  1. Suvankar Chakraborty

    Importance of micro-credit programmes in rural development are as follows –  

    Self-help groups (SHG’s) have emerged to fill the gap in the formal credit system in India as its delivery mechanism has not only proven inadequate but has also not been fully integrated into the overall rural social and community development. It came up as the micro finance program. Focus of SHGs is on those rural people, small and marginal farmers, agricultural and non agricultural laborers who do not have sustainable access to formal banking system.

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