In the Union Territory of Jammu and Kashmir, NABARD organized a credit camp in Samba district for the members of Joint Liability Groups (JLGs)  to provide collateral free institutional credit support to landless farmers, sharecroppers, oral lessees, small & marginal farmers and other rural poor to take up farm, off-farm and non-farm activities. <br />'' <br />'' AIR Jammu Correspondent reports that more than 60 members from various JLGs promoted by NABARD participated in the credit camp. Deputy General Manager (DGM), NABARD, Jammu, Anamika while speaking on the occasion, informed that the formation of JLGs was started by NABARD with the objective to augment the credit flow to farmers especially landless farmers, sharecroppers, oral lessees, small & marginal farmers and other rural poor to take up livelihood activities for their income generation. <br />'' <br />'' She added that JLGs help to provide hassle free credit to these targeted groups without any collateral requirement and also minimizing the risk of loan default to the banks as it provides mutual guarantee of borrowers along with peer pressure of members of JLG. On the occasion, the DGM distributed cheques amounting to Rs. 22 lakh to 44 members of various JLGs promoted by NABARD. Pertinent to mention, during the tough times of COVID-19, NABARD has been able to provide credit support to 308 members of various JLGs amounting to Rs.1. 48 crore in Samba district.<br />''