Abstract
Self-help groups (SHGs) have played a crucial role in empowering women in India. They have provided a platform for women to come together, share experiences, and support each other in improving their social and economic conditions. This review traverses through the history of microfinance initiatives in India through SHGs, analyses the theoretical framework of SHGs, and integrates multiple perspectives to understand their formation, functioning, and impact on the role of microfinance initiatives on women's economic status and empowerment in rural India. The existing models of microcredit and microfinance are compared, along with the analysis of dynamic risk default and an overview of their mathematical models.
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