Reducing Underlying Risk Factors India In India, some Self Help Groups have been provided with livestock such as goats and cows for micro credit. Where necessary, the women are provided with extra skills in livestock management and then the profits that are generated from the sale of milk and other products are placed back in the general savings fund. The women then communally decide whether to distribute the profits or put them back into maintaining or expanding the herd. They also decide whether to loan some of the fund to members for personal use. In Bhadrak, Orissa SHGs have collectively saved Rs 20,614 and subsequently have attracted a Rs 20,000 loan from the State Bank of India under a Government scheme. “The happiest part of DC working with us is the women coming out of their homes and forming a group to help themselves” Head of Judiya Village, Rajasthan.