A STUDY ON FORMATION OF SELF -HELP GROUPS [SHGS]UNDER VELLANIKKARA SERVICE CO OPERATIVE BANK LTD NO.545 - TANIYA GEORGE, SARATHDAS Y M, SREELAKSHMI P T, MONISHA M , PRASANTH P S, ANEESAJMAL M P, YOONUS V P, GIREESH K KRISHNAN