Explanation:

- Option 2: Self Help Groups (SHGs)

- SHGs often enable borrowers, especially women, to access credit without collateral.

- They work on a collective model where members guarantee each other's loans.

- This model is prevalent in countries like India to support financial inclusion.

- Option 1: Civil Societies

- These are organizations that advocate for various societal issues.

- They focus on human rights, governance, and social justice more than financial lending.

- Option 3: Pressure Groups

- These groups aim to influence public policy and decision-making.

- They are often issue-focused rather than providing financial support.

- Option 4: Non-Governmental Organizations (NGOs)

- NGOs tackle various social issues including poverty alleviation.

- Some NGOs may offer microfinance, but it's not their primary function.