Rural women, particularly of lower caste and class, have the lowest literacy rates, and therefore do not have the capacity to negotiate pay or contracts and most often engage in the unorganized sector, self employment, or in small scale industry. Self help group are a widely practiced model for social and economic mobility by NGOs and the government. SHGs provide women with the opportunity to manage loans and savings that can be used by members for varying needs. SHGs also are used to promote social change among the members and the community at large. Members of SHGs have used their experiences as leverages to enter other local institutions such as the Panchayat khap. In rural India, women economic opportunities remain restricted by social, cultural, and religious barrier. Most notably inheritance law embedded in Hindu and shariat civil codes continue to marginalize women in the household and the larger community.