Sonali Chaudhary

Roll no. 17
(General Management topic)
Title - Bank credit Facilities and their impacts on customers

Objectives:-
1. To study various credit facilities available at the Bank of Maharashtra.

2. To know customer's perceptions about various credit schemes of different banks.

3. To find out the main obstacle while getting finance under various credit schemes

4. Analyzing the customer experience and satisfaction with bank credit facilities

5. Investigating the role of bank credit facilities in fulfilling customer needs

Hypothesis :-

Null Hypothesis (H0): “There is no significant impact of bank credit facilities on

customers' satisfaction levels and financial well-being.”

Alternate Hypothesis (H1 ): “There is a significant impact of bank credit facilities on

customers' satisfaction levels and financial well-being.”

Null Hypothesis (H0): “Bank credit facilities do not significantly contribute to

fulfilling customers' specific financial needs.”

Alternate Hypothesis (H1 ): “Bank credit facilities significantly contribute to fulfilling

customers' specific financial needs.”

Null Hypothesis (H0): There is no significant obstacle encountered by individuals

while obtaining finance under various credit schemes.

Alternate Hypothesis (H1): There is a significant obstacle encountered by individuals

while obtaining finance under various credit schemes.
Questionnaire:-
1. Awareness about credit facility.
a.agreed b.not agreed
2. Reason for not availing credit facility.
A. Complicated b. Slow processing c. Other reason
3. In which bank you would take credit facilities?
A. Bank of maharashtra b. State bank of india c. Icici bank
d. Hdfcbank E.others
4. Main obstacle while getting finance under various credit schemes?
A.securitydocument b. Guarantee c.attitudeofbankemployee
5. How do you rate the attitude of bank officials towards you while making
transactions?
A. Excellent b. Good c. Satisfactory d. Poor
6. How long you have been banking with the bank of maharashtra?
a)1year
b)1- 5year
c)5-10year
d) Note at all
7. What types of bank credit facilities have you utilized in the past?
a) Personal loans
b) Credit cards
c) Mortgages
d) Business lines of credit
e) Others (please specify)
f) All
8. How often do you use bank credit facilities?
a) Frequently
b) Occasionally
 c) Rarely
d) Never
9. What are the main reasons for utilizing bank credit facilities?
a) Emergency expenses
b) Purchasing assets (e.g., home, car) ]
c) Funding education
d) Managing cash flow for business
e) Other (please specify)
f) All

10.How satisfied are you with the ease and convenience of applying for bank
credit facilities?
a) Very satisfied
b) Somewhat satisfied
c) Neutral
d) Somewhat dissatisfied
e) Very dissatisfied

11.How would you rate the transparency of terms and conditions associated with
your bank credit facilities?
a) Excellent b) Good c) Fair d) Poor e) Very poor

12.How do you perceive the impact of bank credit facilities on your financial well-
being?
a) Positive impact b) No significant impact c) Negative impact

13.What factors do you consider most important when choosing a bank credit
facility? (Please rank in order of importance: 1 - most important, 5 - least
important)
a) Interest rates
b) Repayment terms
c) Credit limits
d) Customer service quality
e) Additional benefits (e.g., rewards, cashback)
14.How satisfied are you with the support and assistance provided by the bank
regarding your credit facilities?
a) Very satisfied b) Somewhat satisfied c) Neutral d) Somewhat dissatisfied
e) Very dissatisfied

15.How would you rate your overall experience with bank credit facilities?
a) Excellent b) Good c) Average d) Poor e) Very poor

16.Which of the following bank credit facilities have you utilized in the past?
(Select all that apply)
a) Personal loans b) Credit cards c) Mortgages d) Business lines of credit e)
Others (please specify)

17.How often do you use bank credit facilities?

a) Frequently b) Occasionally c) Rarely d) Never

18.What are the main reasons for utilizing bank credit facilities? (Select all that
apply)
a) Emergency expenses b) Purchasing assets (e.g., home, car) c) Funding
education d) Managing cash flow for business e) Other (please specify)

19.On a scale of 1-5, how satisfied are you with the ease and convenience of
applying for bank credit facilities?
a) 1 - Very satisfied
b) 2 - Somewhat satisfied
c) 3 - Neutral
d) 4 - Somewhat dissatisfied
e) 5 - Very dissatisfied

20.How would you rate the transparency of terms and conditions associated with
your bank credit facilities?
a) Excellent b) Good c) Fair d) Poor e) Very poor
.
21.How do you perceive the impact of bank credit facilities on your financial well-
being?
a) Positive impact b) No significant impact c) Negative impact
22.How do you manage your credit utilization to avoid excessive debt
accumulation?
a) Regularly monitor my spending and credit limits b) Set a budget and stick
to it c) Pay off the outstanding balance in full each month d) Seek financial
advice or counseling e) Other (please specify)

23.Have you noticed any impact on your credit score as a result of utilizing bank
credit facilities?
a) Yes, a positive impact b) No significant impact c) Yes, a negative impact

24.How would you rate your overall experience with bank credit facilities?
a) Excellent b) Good c) Average d) Poor e) Very poor