Introduction|Why Transactions Are Made In Money?|Barter System|What Was Used Before Money?|Currency|Deposits With Banks|Cheque Payments|Loan Activtites Of The Bank|Two Different Credit Situations|Terms Of Credit|Loans From Cooperatives|Formal Sector Credit In India|Reserve Bank Of India|Drawbacks Of Informal Sources Of Credit|Formal And Informal Credit: Who Gets What?|Advantages Of SHGs