निम्नलिखित में से कौन सा संस्थागत ढांचा मुख्य रूप से ग्रामीण गरीब उधारकर्ताओं को संपार्श्विक (collateral) की कमी की समस्या को दूर करने में मदद करता है?

Consider the following statements: 1. Formal credit sources are regulated by government authorities. 2. Expansion of institutional credit reduces dependence on money lenders. 3. Informal lenders generally charge lower rates of interest due to competition among themselves. How many of the statements given above are correct?

When a cooperative society secures a large loan from a bank using its members' collective savings, what serves as collateral in this case?