SURVEY ON FINANCIAL INCLUSION (QUESTIONNAIRE)

Place of Survey: _______________ Date: _____ __ Name: ______________________ Age: ______ _____
__ Gender: M/F Occupation: ____ __________ No. of family members: ___ adults ___ children
A. SAVINGS:1. Is your household having a one bank account?
Yes No

2. No. of accounts in your household:

1 2 3 4 More than 4

3. Which type of account do you have?

Savings Bank a/c Current a/c

Recurring Deposit a/c Fixed Deposit a/c

If others, (please specify) ___________________________

4. Is the bank account with a cheque book?

Yes No

5. What were the reasons that your household opened the account?
To receive Govt. payments from NREGP

To receive Govt. payments from schemes other than NREGP

For receiving remittances

For saving money

To request a loan

If others, (please specify) ___________________________

6. Who helped you open the account?

Village Panchayat Officials Bank Officials

Neighbor Friends/Relatives

If others, (please specify) ___________________________

7. How frequently do you save in your account?

dont save / never

At least once a month

Less than once a month


I put in money as and when I can

I have paid money in but not in past 12 months

I have not added money since account was opened

If others, (please specify) __________________________

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8. Reasons for not having a bank account:

I have no money/little money to put in

No bank in this area

No point - benefits received in cash

No point - paid in cash

Concerned there may be too many charges

Tried to open but was refused

Lengthy processes

Not important to me

Anticipated rejection

If others, (please specify) _____________________________

9. Reasons for being refused a bank account:

No ID

Previous bad credit history

No job, unemployed

Had to have a minimum amount

Had debts

Thought I was not trustworthy

Not lived here long enough - no credit history - use spouse's account

Don't know - did not say

If others, (please specify) ___________________________

10. Are you aware that banks are opening zero min. balance accounts for everyone?
Yes No

11. How did you find out that banks were opening such no-frills accounts?
Bank Officials SHG Members NGOs Neighbors

Village Panchayat Farmer Clubs Posters Village Meetings

Newspapers/Advertisements

If others, (please specify) ___________________________

12. Do you have any grievances in your no-frills a/c?

No

If yes, please specify? _____________________________________

B. BORROWINGS:13. Have your household ever borrowed or taken a loan?

No

If yes, from where? Banks Relatives Friends

Moneylenders

If others, (please specify)

_________________________
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14. If borrowed from banks, which of the following reasons led to this choice?
Low rate of interest

Was offered/arranged by the banks


It is easy (vague)

Trustworthy lender

If others, (please specify) ___________________________

15. If borrowed from sources other than banks, which of the following reasons ledto this
choice?
Being able to borrow relatively small sums

I did not need to provide security or guarantees

It was available locally

I can make repayments in cash in small weekly or fortnightly sums

It is convenient because they come to the door to collect

It is because I know the lender/collector

If others, (please specify) ___________________________

16. If ever borrowed, what was the type of the credit/loan?

Housing loan

Business Loan

Training/Education loan

Vehicle loan

If personal loan, purpose of the loan Household items Computer

Day to day living expenses or bills

To pay off other debts

If others,(please specify) ____________

__ If others, (please specify) ________________________

17. If loan was availed, what difficulties were faced in the process?
______________________________________________________________________ ______
__

____
18. In the past three years, have you been refused a loan or credit?
Yes

No

Not asked for any credit

19. If you were refused, do you know why you were turned down? Please givedetails.
______________________________________________________________________ ______
________________________________________________________________