The Micro-credit programmes are related to :

SHG's (Self help groups)

The correct answer is option (3) : SHG's (Self help groups)

Micro-credit programs are primarily related to Self-Help Groups (SHGs). These programs involve providing small loans to low-income individuals, particularly women, who typically lack access to traditional banking services. SHGs are groups of individuals who come together to form a savings and credit cooperative. Micro-credit initiatives aim to empower these groups by providing them with access to financial resources for small-scale entrepreneurial activities and income generation, thereby promoting economic self-sufficiency and poverty alleviation.