APPENDIX

1. Questionnaire - Villagers Survey

2. Questionnaire - The Bankers and BC Survey

3. Publication
Role of Financial Market in Financial Inclusion. IJMBS Vol. 6, Issue 3, July - Sept 2016,
ISSN: 2230-9519 (Online) | ISSN: 2231-2463 (Print).
 HOUSEHOLD SURVEY
District Block Village

Name

Sex: Male Female

Age ( ) Below 20; ( ) Between 20-40 ( ) Above 40

Occupation

Retired and Unemployed Student Housewife Farmer/cultivator

non-worker
(including
children, old
and disabled)

Agricultural Other daily Trading and Service Service (informal

Labourer wage labourer self- (Public/Private sector)
employment Sector)

Others

Education

( ) Up to 5 class ( ) 5 to 10 class ( ) Above 10 class

( ) Graduate ( ) Illiterate

Monthly gross income of the household (Rs. from all sources)

< 3000 3000 – 6000 6000 – 10000 10000 – 15000 <20000 Above 20000

House Type:
Pucca Semi-pucca Kutcha-Pucca Kutcha Homeless

Sanitation facility (latrine/bathroom):

Pucca Semi-pucca Kutcha-Pucca Kutcha Not having

Source of Drinking
Water: Tap Hand pump/Bore Well Others Not having
well

Access to Electricity: Yes No

BANKING
Does your village have any Bank?
Yes No
Does your village have any BC/BF* opened by Bank?

Yes No

Does your village have any ATM Centre?

Yes No

Does your household have any AADHAAR CARD.?

Yes No

The monthly saving which the customers are depositing in the bank?
Less than 500 500-1000 1000-3000 3000-5000 More than 5000
( ) ( ) ( ) ( ) ( )

Distance of the nearest bank branch from your house: _____________ Km

Are you aware that banks are opening ‘no-frills’ accounts/ zero minimum balance accounts
for everyone?

Yes No

How regularly you are using your bank account for transaction?

Daily Weekly Fortnightly Monthly Half Annually Twice in Does not

yearly a year know
For what reasons do you visit the bank?
To get Depositing Deposit to get loan Withdrawing Others like
scheme cheque money/payment money insurance/
payment loan
transaction
Are you aware of the overdraft facility of “No-Frills account” or MUdra loan?
Yes No
Are you aware of General Purpose Credit Card (GCC)/ Kisan Credit Card (KCC)?
Yes No
What are the reasons for opening an account in the bank?
Partially Disagree Weighted
No. Reason Agree (3)
agree (2) (1) mean
1 For the benefit of saving
2 To get the facility of loan
3 Bank compulsion
4 For the benefit of insurance
5 Facilities provided by the bank
6 To get the payment of govt.
schemes
7 Other reasons
8 To deposit cheque /DD
Has your household ever taken a loan?

Yes No

What are the sources from where you usually borrow the loan?

Moneylenders SHG MFI Bank Friend & Cooperative

relatives society

How many of you are aware about financial services and how many of you are availed the
services?
No. Services/facilities Aware Availed not aware
1 Deposit/withdrawing cash
2 Scheme payment
3 Loan
4 Insurance
5 Mobile banking
6 Kisan credit card/general credit card
7 ATM card
8 Cheque / DD facility
9 Overdraft
10 Internet banking
Is any BC/BF operating in your village?

Yes No

How far is BC/BF from your residence?

<1 Km 1-3 Km 3-5 Km > 5 Km

How regularly you are using BC/BF system?

Daily Weekly Fortnightly Monthly Half Annually Twice in Does not
yearly a year know

Has Banks/FIs ever conducted any financial literacy/awareness drive in your village?

Yes No

Does anyone in the household have an insurance policy?

Yes No

Does anyone have PMFBJ, PMJJB, and PMSBY?

Yes No
What are the reasons for saving with formal institution?

No. Reason Agree Disagree Reason Agree Disagree

1 For safety purpose
For high interest rate that helps to increase
2 earning
3 For easy withdrawal & depositing
4 To access credit /loan overdraft facility
5 Because of friendly nature of officers
6 Trust &reliability

Why you have decided to save your income?

No. Reason Agree(3) Disagree(1) Partially Weighted

agree(2) mean
1 Future uncertainties
2 Children education
3 Safety
4 Social function
5 Purchase of assets
6 Business
7 insurance
8 Interest income

What are the reasons that help you to borrow loan from formal financial institution?

No. Reason Agree Disagree

1 Because of Govt. launched schemes helps to take loan facility.
2 Because of Reliability
3 Because of account in the bank or other
4 Because of affordable rate of interest
5 Because of availability

What is type of loan you have taken from Bank?

KCC MUDRA Overdraft under House Auto Education Agri Agri

PMJDY scheme loan loan loan (allied loan) term
Loan
What is the Reason for which respondents did not opens a bank account?

No. Reason Agree Partially Disagree Weighted

(3) agree (2) (1) mean

1 Illiteracy

2 Not known about banking facility

3 Strict compliance by bank

4 Complicated banking system

5 Because of low income &saving

6 Unsuitable banking product & services

7 Non-availability of bank-branches

8 Low financial education

9 High transaction cost

10 Timing of bank branches

11 Language problem or technology not

understandable

***
 Profile of Respondents (Bank Employees)/BC/BF
Name (If you can):_____________________ Designation: ____________________
The following seven point question were asked with bankers, and BC for successful
implementation of financial inclusion
1) Do you think banks are able to reach household level through Jhan dhan
scheme?
Agree [ ] Disagree [ ] Partial agree ()

2) Is there any positive relationship in banks and financial inclusion which result
into inclusive growth?
Agree [ ] Disagree [ ] Partial agree ()

3) Is banks and GOI have succeeded in smooth adoption of Digital Banking at

household level?
Agree [ ] Disagree [ ] Partial agree ()

4) Is financial Literacy efforts are good enough for achieving inclusive growth?
Agree [ ] Disagree [ ] Partial agree ()

5) Can Government sponsored scheme like Interest Subvention, KCC, Mudra,

social Security, Aadhar seeding help in achieving financial Inclusion ?
Agree [ ] Disagree [ ] Partial agree ()

6) Is Agent banking model of RBI is helpful in improving the composite index of

financial inclusion?
Agree [ ] Disagree [ ] Partial agree ()

7) Is Bank product accessibility and usage is dependent upon demographic factors.

Agree [ ] Disagree [ ] Partial agree ()

***