In Self-Help Groups (SHGs), the decisions regarding savings and loan activities are primarily taken by the members of the group. SHGs are small voluntary associations of people who come together to address their common socio-economic needs. These groups are formed with the objective of promoting savings and providing access to credit to their members.

Here's a detailed explanation of why the correct answer is option 'B' - Members:

1. Empowerment of Members:
- The main goal of SHGs is to empower their members, particularly women, by enhancing their financial capabilities.
- By involving the members in decision-making processes related to savings and loan activities, SHGs aim to promote self-reliance and confidence among the members.

2. Collective Decision-Making:
- SHGs operate on the principle of collective decision-making, where all the members have an equal say in shaping the group's activities.
- The decisions regarding savings and loan activities are taken through discussions and consensus among the members.
- This participatory approach ensures that the decisions are made in the best interest of the members and the group as a whole.

3. Savings Mobilization:
- SHGs encourage their members to save a portion of their income regularly.
- The decision to save and the amount to be saved are made by the individual members based on their financial capacity and needs.
- The savings collected by the members are then pooled together and utilized for providing loans to the members.

4. Loan Disbursement:
- SHGs also provide credit facilities to their members for various purposes like entrepreneurship, education, healthcare, etc.
- The decision regarding loan disbursement is taken collectively by the members based on the loan requirements and repayment capacity of the individual members.
- The loan amount, interest rate, and repayment schedule are determined by the members themselves, ensuring transparency and fairness in the process.

5. Monitoring and Accountability:
- SHGs maintain proper records of savings, loans, and repayments to ensure transparency and accountability.
- The members collectively monitor the utilization of funds and repayment of loans by fellow members.
- In case of any default, the members collectively take necessary actions and decisions to address the issue.

Overall, the involvement of members in decision-making regarding savings and loan activities in SHGs fosters a sense of ownership, responsibility, and empowerment among the members. It also promotes financial discipline and helps in creating a supportive and sustainable environment for economic development at the grassroots level.