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The emergence of Self Help Groups (SHGs) in India is an outcome of neo-liberal paradigm of development where poor take charge of their lives and fashion, a new improved future through self reliant and socially sustainable efforts. SHGs are fully democratic, autonomous and thrift based voluntary organizations. Increased availability of micro-credit to poor through SHGs will enable rural households to take up larger productive activities, empower poor women and decrease dependence on exploitative local money lenders and increase savings. Women SHGs are an effective strategy for poverty...