QUESTIONNAIRE

This questionnaire is prepared as a part of my Ph. D work titled MICRO-

FINANCE and FINANCIAL INCLUSION – A case study of Mysore and
Chamarajanagar Districts. The purpose of this questionnaire is to measure the
level of financial accessibility, Benefits from Micro credits and awareness among
beneficiaries. Any information that is given here is assured to be treated as
confidential. Please, deliberately complete all questions in this questionnaire in
order to have precise and accurate research. Thank you so much for your
participation

[A] Personal Details

1. Age of the borrower
(a) 18-25 (b) 26-35 (c) 36-45 years (d) 46-55 (e) over 56

2. Sex
(a) Male (b) Female

3. Level of education
(a) Illiterate (b) Up to 10th Standard (c) Up to 10 + 2
(d) Graduates (e Post Graduates (f)Professionals

4. Occupational status of the borrower

(a) Agriculturist (b) Industrialist (c) Employee
(d) Business (e) Others (please specify)

5. Monthly income of the family

(a) Less than Rs.10,000 (b) Rs.10,001-20,000 (c) 20,001-30,000
(d) 30,000-40000 (e) Above Rs.50,000

6. Monthly income of the expenditure

(a) Less than Rs.10,000 (b) Rs.10,001-20,000 (c) 20,001-30,000
(d) 30,000-40000 (e) Above Rs.50,000

213
[B] Financial Information

Which Microfinance financial institutions do you has accounts?

GRAMEEN FINANCIAL SERVICES PVT. LTD.

SPANDANA SPHOORTY FINANCIAL LIMITED

UJJIVAN FINANCIAL SERVICES PVT LTD

SKS MICROFINANCE LIMITED

SHRI KSHETRA DHARMASTHALA RURAL DEVELOPMENT PROJECT

ASMITHA MICROFIN LTD

BSS MICROFINANCE PVT LTD (BHARATHA SSWAMUKTI SAMSTHE)

SANGHAMITHRA RURAL FINANCIAL SERVICES

FULLERTON INDIA GRAMSHAKTI

MYRADA

BHARTIYA SAMRUDDHI FINANCE LIMITED (BSFL)

[C] Which products of Micro Finance Institutions have you benefited from?

Strongly Neither agree Strongly

Disagree Agree
Disagree nor disagree Agree
(2) (4)
(1) (3) (5)
I) Micro Credit

II) Micro Savings

III) Micro Insurance

IV) Micro-Finance
Training

214
 [D] Reasons behind in the use micro finance products

Strongly Neither agree

Disagree Agree Strongly
Disagree nor disagree
(2) (4) Agree(5)
(1) (3)
I Agriculture

ii Animal Husbandry

iii Income generating

activities

iv Asset Building

v Starting own business and

its development

viii Consumption or
Household expenditure

ix Education to children

x Wealth creation purpose

xi To acquire land or assets

xii Medical expenses

xiii Emergencies

xiv Social Security

xv Farm Mechanization

215
 [E] NABARD and Microfinance Models

Neither
Strongly
Disagree agree Agree Strongly
Disagree
(2) nor (4) Agree(5)
(1)
disagree (3)
i Acts as a coordinator in the
operations of microfinance
model and rural credit
institution
SHG GRAMEE COOPERATIVE
N

Strongly Disagree (1), Disagree (2), Neither Agree nor Disagree (3), Agree (4),
Strongly Agree (5)
i convenient to save

ii low interest
iii Availability of time
iv Repayment facilities
v Matching credit needs of
borrowers
vi Transaction cost is high
vii Easy access to loan
vii enterprise development
i

216
[F] The numbers of following table indicates the degree of satisfaction or
agreement level (on a scale of 1-5*) of the household or a person after he or
she has received loan from a Micro Financial institution.

Neither
Strongly agree Strongly
Disagree Agree
Disagree nor Agree
(2) (4)
(1) disagree (5)
(3)
Factors
I) Economic Empowerment:
i Increase in Saving
ii Increase in Income
iii Women economically
empowered
iv Poverty Reduction
v Improved decision power
II) Political Empowerment:
i Political awareness
ii Participation in political activity
iii Position of power
III) Social/Cultural
Empowerment:
I Social Status
ii Participation in social
development activities
IV) Personal Empowerment:
i Ability and involvement in
decision making
ii Self esteem
iii Improvement in health
iv Gender equality
V) Family Empowerment:
i Improved in basic facilities and
amenities
ii Improved in standard of living
iii Education to children

217
[G] Awareness of Microfinance

Neither
Strongly Strongly
Disagree agree Agree
Disagree Agree
(2) nor disagree (4)
(1) (5)
(3)
Poverty reduction
Accessibility of Microfinance Service
Utilize of Microfinance
knowledge of Microfinance
Terms & Condition
Facilities Do not Partially Fairly Fully
aware aware aware aware
Overall awareness of microfinance is
reasonable

[H] Initiative taken in Mysore and Chamarajanagar district for financial

inclusion

Service Mysore Chamarajanagar

Yes No Yes No
No Frills account
Mobile Banking
E-Banking
Tie up with NGOs
Business Corresponding model
Financial Literacy and Counseling
Centre
Advertisement for financial inclusion
Kisan Credit Card

218