Consider the following statements regarding agricultural credit access and financial inclusion for women farmers in India:

Statements

1. The SHG–bank linkage model, promoted by NABARD, primarily works through savings linkages that automatically confer eligibility for agricultural term credit on member women.
2. Business Correspondents (BCs) extend banking services to underserved rural communities but are not authorised to independently conduct credit assessment and sanction agricultural loans on behalf of banks.
3. A structural barrier to institutional agricultural credit for women cultivators arises from lending norms that rely on land records and documented ownership, even when women manage or cultivate the land.