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I like what you have to say Darshana. I think SHGs have played a vital role in producing a more holistic impact on women's lives in Microfinance. Soon, as we enter a technologically enhanced rural reality, SHGs could become less and less common due to mobile payment systems that decrease the need for cash-in/cash-out activities, so MFIs are tasked with redesigning their engagement models with beneficiaries. As cell phones (and other technologies) play a larger role in all communication and organizing activities, there will be opportunities to streamline processes, but special focus must be placed on how to continue the benefits of SHGs even if the face-to-face time becomes less common. -Scott