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Social Science · 2025 · 5 marks
CBSE 2025 · Region 4 · Set 1 · Q33
(A) Imagine you are a part of a 'Self Help Group' (SHG). Explain the working system of the Self Help Group (SHG) to the new member. ( 4 × 5 = 2 0 )
(A)
Imagine you are a part of a 'Self Help Group' (SHG). Explain the working system of the Self Help Group (SHG) to the new member. $\displaystyle \boldsymbol{(} \mathbf{4} \boldsymbol{\times} \mathbf{5} \boldsymbol{=} \mathbf{2 0} \boldsymbol{)}$
OR
(B)
Imagine that you are the Village Development Officer of a village. Explain the usefulness of formal sources of credit for the farmers.
Marking-scheme solution
(i) SHG is an organization which works with the rural poor especially women.
(ii) It usually consists of $\displaystyle 15$-$\displaystyle 20$ members belonging to one neighbourhood.
(iii) They meet and save regularly.
(iv) Saving per member varies from Rupees $\displaystyle 25$ to $\displaystyle 100$ or more depending on the ability of the people to save.
(v) Members can take small loans from the group to meet their needs at a very low rate of interest.
(vi) If the group is regular in savings, it becomes eligible for availing loans from the bank.
(vii) Loan is sanctioned in the name of the group to create self- employment opportunities for the members.
(viii) The decisions regarding savings and loan activities are taken by the group members.
(ix) The group is responsible for the repayment of the loan.
(x) Any case of non-repayment of loan by anyone-member, other members follow it up seriously.
(xi) They get loans even without collateral from the banks.
(xii) SHG is also a platform to discuss and act on various social issues such as health, nutrition, domestic violence etc.
(B) Imagine that you are the Village Development Officer of your village. Explain the usefulness of formal sources of credit for the farmers.
(i) Formal source of credit includes banks and cooperatives.
(ii) Loans given to small cultivators.
(iii) Reasonable rates of interest charged.
(iv) The cost to the borrower is much lower.
(v) Borrowers have more income left for themselves.
(vi) Supervised by RBI.
(vii) Encourages people who wish to start an enterprise by borrowing.
(viii) Cheap and affordable credit is crucial for the country’s development.
(ix) Less chances of rural indebtedness.
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CBSE Class 10 Social Science past-paper question from the 2025 board exam, with the answer as CBSE’s own marking scheme gives it. Where our answers come from.