\( \left(\begin{array}{l}0 \\ 1\end{array}\right) \) key concept:- ...

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\( \left(\begin{array}{l}0 \\ 1\end{array}\right) \)
key concept:- Informal soorces of credit
Informal sector coledit:- They do not followe the lawo - Rote vegoldions framed by the government.
- Rade of Intevest - higl, Debt trap
- No one sopervises the functioning of intormal
- Include:- frrichds, family momber
The final suswer \( -(b) \)
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