[[1]] and ____ do not require collateral and hence small farmers can get loans very easily.

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Self Help Groups and Cooperative Banks do not require collateral, and hence small farmers can get loans very easily.
Cooperative banks and self-help groups are the alternative sources of loans. Small, impoverished groups of individuals form Self Help Groups. SHGs members deal with comparable issues. They assist one another in resolving their credit-related issues. Small-scale savings are encouraged by SHGs among its members; these savings are held in the group and can be utilised to lend money to a member in need. Financial institutions founded on a cooperative foundation and owned by their members are known as cooperative banks. In other words, a cooperative bank's clients are also its shareholders. In comparison to other lending sources, both industries offer credit at extremely low-interest rates.

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