Objective 2: - To analyze the role and prospect of RRB’s in food processing unit based

small and medium enterprises in Bundelkhand region. [From the Entrepreneurs]

Customer Satisfaction (CCS)

1. I have my account with RRB

2. This Bank is service delivery is systematic and less time taking.

3. Availability of all kind of banking products.

4. Interest Rates are reasonable and affordable

Customer Loyalty (CL)

1. I regularly visit this bank.

2. I seldom think of changing this bank to another one.

3. I use this bank each time I need to make any financial transaction.

4. I consider this bank as my preferred choice each time I want to make any financial
transaction.

Service Quality (SQ)

1. Bank offers fast and efficient services

2. Friendliness of bank personnel

3. Parking facilities and Convenience for the bank location

4. I believe this Bank is easier to avail banking facilities

Security (SCRT)

1. I feel safe when using this Bank’s services.

2. I lose my transactions.

3. The Bank cares about the safetSCRT1y and security of its customers

4. The Bank keeps the customer information safe.

What is the reason for your Bank support to Food Processing Units?

a) Intense competition for large corporate/retail funding ( )

b) Social objective ( )

c) Perceived profitability in the Food Processing segment ( )

d) Possibility to seek out small industries through existing relations with large clients ( )

e) Huge customer pool

According to your opinion, what should be done by banks to encourage people to invest
in Food Processing Units? (rank them out of 5, 1 for higher and 5 for lower)

a) Creating the awareness among them. ( )

b) Grant hassle free loans to Food Processing Units. ( )

c) Provide faster and safe banking services. ( )

d) Comprehensive package of entrepreneurship development training ( )

e) Reward to successful entrepreneurs ( )

Objective 4: - To study the problem faced by food processing unit based small and
medium enterprises. [From the Entrepreneurs]

Infrastructure [INF]

1. Banks have all the required facilities like ATM, passbook Printing Machine etc.

2. Road Connectivity

3. Supportive building architecture for all category of customers (Old age, Handicapped etc.)

4. Cleanliness, wall coloring, seating space, customers; lounge etc.

Finance [FN]

1. Insufficient Finances available for Food Processing Units

2. Unfair Banking Practices towards Food Processing Units entrepreneurs.

3. Higher rates of interest.

Marketing [MKT]

1. Changing Market Conditions

2. Entering New Market Niches

3. Low demand

4. Market pressure from big giant brands

Operations [OPR]

1. Lack of upgraded Technology

2. Improper Quality management

3. Difficulties to arrange the Raw Material

4. Product development challenges

Human Resources [HR]

1. Difficult to attract the skilled and talented employees in lesser salaries.

2. Difficult to Retain the existing human resources

3. Candidates with Lack of Required skills

4. Challenges for Workforce training and development.

Legal and Political [LP]

1. Frequent Industrial Policy changes

2. New Rules and regulations regarding food processing segments.

3. Political Interferences
Objective 5: - To analysis the effect on Social and Economic conditions of rural people of
Bundelkhand region U.P. from financial of RRB’s in food processing units. [From
Beneficiaries]

Life standard [LS]

1. Because of FPU’s, there is improvements of overall quality of lives.

2. Because of FPU’s, we became capable to purchase land.

3. Because of FPU’s, we became capable to purchase house.

4. Because of FPU’s, I am able to educate Self/Children

5. Because of FPU’s, we purchased the electronic gadgets for communication and other assets
for better living.

6. Because of FPU’s, we became capable to purchase vehicles (As a means of transport two-
wheeler).

7. Because of FPU’s, we became capable to purchase vehicles (As a means of transport four-
wheeler)

8. Because of FPU’s, we got income from House rent (Employees of such establishments are
staying in nearby areas of locality)

9. Because of FPU’s, I can generate good income from my Shop/Dairy/Food Products.

Infrastructure Development [ID]

1. Our locality has good Primary health facilities because of these establishments.

2. My locality having good road transportation facilities because of these establishments.

3. My locality having appropriate electricity supply because of these establishments.

4. My locality is overall developed because of these establishments.

5. These establishments having various CSR activities in my locality

6. Due to these establishments the available Domestic/Local resources are optimally utilized.

Employment Opportunities [EO]

1. Closeness to the establishment offered alternative sources of employment which reduced our
dependence on landlords and the need to work as bonded labourers.

2. These establishments are, generating awareness for policies and programs initiated to
enhance well-being and employment opportunities in accordance with skills and abilities.

3. Dependency on Agriculture is being reduced

4. Because of these establishments the unemployment rate is reduced

Education/Skills [ES]

1. My locality having good educational facilities because of these establishments.

2. Due to these establishments some training centres and the curriculum and instructional strategies
are implemented, which help the community to overcome technological challenges.

3. The overall educational status of my locality is developed due to these establishments.

4. These establishments make us feel apprehensive by enhancing our skills and abilities in
terms of usage of technology.

5. These establishments have promoted/popularized the rural skills and products

6. These establishments provided equal opportunities for development Women.