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Analyse the importance… (Class 10 Social Science 2026, Q38b)

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Social ScienceCBSE Class 10 · Board exam 2026, set 32/3/1 · 5 marks · Long answer

CBSE Class 10 Social Science 2026: question 38(b)

Set in the CBSE Class 10 board exam of 2026, paper 32/3/1, section D, question 38(b), for 5 marks. Try it first; the hints and our step-by-step solution are below.

Q38(b) · 5 marks · Long answerMoney and Credit

Analyse the importance of 'Self-Help Groups' in the rural development of the country.

Source: official question paper from cbse.gov.in (PDF). See it in the full 2026 board paper, set 32/3/1.

Hints

Open one hint at a time and try again before the next.

Hint 1

Think about why a poor villager often cannot get a bank loan.

Hint 2

Recall the features of SHG loans: collateral, interest and timing.

Hint 3

Consider the social role of SHGs, especially for women.

Step-by-step solution

Each step shows the marks it earns, as an examiner would award them. Checked by an independent re-solve from the question paper.

  1. SHGs help borrowers overcome the lack of collateral, since the group stands behind its members.

    1 mark

  2. Members can get timely loans for different needs, and credit is easily available.

    1 mark

  3. The interest rate on SHG loans is quite low compared with that of moneylenders.

    1 mark

  4. SHGs are the building blocks of organisation of the rural poor, and they help women become economically self-reliant.

    1 mark

  5. SHGs give a platform to discuss and act on social issues such as health and nutrition.

    1 mark

Answer: SHGs give collateral-free, timely and cheap credit, organise the rural poor, empower women and provide a platform for social issues.

Where the marks are

  • Overcome lack of collateral (1 mark)
  • Timely and easy loans (1 mark)
  • Low interest rates (1 mark)
  • Organise the poor and make women self-reliant (1 mark)
  • Platform to discuss social issues (1 mark)

Revise the chapter

Practise this chapterBoard-style questions from Money and Credit, one at a time, marked against the answer key and marking points.Back to the full paper2026 board paper, set 32/3/1: every question, by section.

The question is transcribed from the official paper; figures are described in words. The solution, hints and chapter tag are ours. Spotted an error? Write tosupport@questionbuddy.in.