Explanation:

- Self Help Groups (Option 2):

- These are small, informal groups of people who come together to address financial issues collectively.

- They help members save money, provide loans without collateral, and foster financial independence.

- Correct Answer

- Civil Societies (Option 1):

- These organizations work towards social causes and policy change.

- They typically do not provide financial services to individuals or groups.

- Pressure Groups (Option 3):

- These groups influence government and corporate policies.

- They don’t offer direct financial help or loans to individuals.

- Non-Governmental Organizations (Option 4):

- NGOs work on various issues, including poverty alleviation.

- They may offer loans but are not primarily focused on overcoming collateral issues.