The term 'saddle holder' refers to the two components of a saddle that are used to secure it to a horse. The first component is the CINCH, which is a wide strap that goes around the horse's belly and is tightened with a buckle. The second component is the GIRTH, which is a narrower strap that goes around the horse's chest and is also tightened with a buckle. Together, these two components hold the saddle in place on the horse.