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    <title>Bihar: SHG Plus model helping rural women build homes, educate children, secure futures</title>
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    <description>The SHG Plus model transforms self-help groups into a disciplined, transparent internal lending system: members pool weekly savings into a corpus (&#039;mohar&#039;), provide low-interest short-term loans repayable within a defined tenure, and conduct mandatory annual share-outs. Inclusive leadership, pictorial record-keeping, weekly meetings, and collective decision-making ensure accountability and accessibility, while capacity building and financial discipline enable investments in income-generating activities, asset creation, and reduced reliance on informal high-cost lenders.</description>
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