Microfinance is the provision of financial services to people of low-income groups. This includes both the consumers and the self-employed. The service/services rendered under microfinance is/are: 1. Credit facilities 2. Savings facilities 3. Insurance facilities 4. Fund Transfer facilities Select the correct answer using the codes given below the lists:

1. (a)1 only
2. (b)1 and 4 only
3. (c)2 and 3 only
4. (d)1, 2, 3 and 4