The term 'TARGET OF SIT-UPS' can be summarized as the abdominal muscles, which are the main focus of the exercise. Sit-ups are a type of exercise that involve lying on the back with the knees bent and lifting the upper body towards the knees. The primary goal of sit-ups is to strengthen the abdominal muscles, which are located in the front of the torso and are responsible for supporting the spine and aiding in movement.