Questionnaire 2

QUESTIONNAIRE-I
BANKERS’ VIEWPOINT ON FINANCIAL INCLUSION

Name of the Bank: ___________________ Location: ______________________
Area of Operation: ____________________
1. To what extent, you agree with the following financial inclusion initiatives by GOI.
Sr. Particulars Strongly Agree Neutral Disagree Strongly
No. Agree Disagree
1 Aadhaar Card-UIDAI
2 DBTL for LPG Subsidy
3 MNREGA
4 Pension
5 PMJDY
6 Any Other
2. To what extent, you agree with the following financial inclusion initiatives by RBI.
No. Agree Disagree
1 Opening No-Frills Account
2 ATM-cum-Debit Card
3 Kisan Credit Card/GCC
4 Financing to SHGs and MFIs
5 Appointment of BC/BF/
Bank Mitr
6 Any Other
3. To what extent, you agree with the following schemes/offers made to open the
account in a bank.
No. Agree Disagree
1 Relaxing KYC Norms
2 ATM Card Facility
3 Accidental Insurance Cover
4 Offering Overdraft facility
5 Credit at Lower Interest Rates
6 Any Other
4. To what extent, you agree with the following channels used by your bank for
creating awareness and publicity about financial inclusion.
No. Agree Disagree
1 Newspaper Advertisement
2 Advertisements on Local
Cable T.V. or Radio
238
3 Banners/Pamphlets/Leaflet
4 Door to Door Campaign
5 Special Camps in Villages
6 Any Other
5. To what extent, you agree with the following schemes of financial inclusion which
got the maximum response.
No. Agree Disagree
1 No-Frill’s Account
2 MNREGA
3 PMJDY
4 Pension /Scholarship/
DBTL for LPG Subsidy
5 ATM-cum-Debit Card/Kisan
Credit Card/GRC
6 Any Other
6. To what extent, you agree with the following strategies adopted to increase the
outreach of financial inclusion.
No. Agree Disagree
1 Appointing special Sales
Team
2 Special campaign for
Rural Area
3 Organizing special
Financial Literacy Camps
4 Appointing BC/BF or
Bank Mitr
5 Kiosk marketing in villages/
/Special FI Desks
6 Any Other
7. To what extent, you agree with the appointment of the following personnel for
promotion of financial inclusion schemes.
No. Agree Disagree
1 Appointment of Business
Correspondents
2 Appointment of Bank Facilitator
3 Appointment of Bank Mitr
4 Small Brick and Mortar Branch
5 Any Other
239
8. To what extent, you agree with profile of the personnel appointed as BC/BF/Bank
Mitr.
No. Agree Disagree
1 NGOs/ SHGs
2 Micro Finance Institutions
3 Retired Teachers/Bank
Employees
4 Post Office Saving Agents
5 Educated Unemployed Youths
6 Any Other
9. To what extent, you agree with the following reasons for appointing BC/BF/Bank
Mitr.
No. Agree Disagree
1 Saving in the cost of opening
brick and mortar Branch
2 Customer’s trust on local
person (s)
3 Generating more business
4 Ensuring effective banking
services at doorsteps
5 Including have-nots in the
financial mainstream
6 Any Other
10. To what extent, you agree with the following programs for promoting financial
inclusion.
No. Agree Disagree
1 Sponsoring the Village Events
2 Financial Literacy
Camps in the Service Areas
3 Special Deposit and Loan Mela.
4 Announcements by Audio-
Visual Mobile Van
5 Relaxing KYC Norms
6 Any Other
11. To what extent, you agree with the following technology options used most for
promoting financial inclusion.
No. Agree Disagree
1 Use of Biometric Machine by
BC/BF/Bank Mitr
2 Use of Mobile/Internet Banking
240
3 Sending SMS after every
transaction
4 Fixing Automatic Cash
Depositing Machine/Passbook
Printing Machine
5 Installing ATMs
6 Any Other
12. To what extent, you agree with the following impacts of financial inclusion benefits
to beneficiaries on the business of bank.
No. Agree Disagree
1 Valued Customers could not
be served better
2 Increase in Operating cost
3 Low efficiency due to
increased work pressure
4 Increased in NPAs
5 Increase in overall profits
6 Any Other
Overall Cronbach’s Alpha Value: 0.803
241
QUESTIONNAIRE-II
IMPACT OF FINANCIAL INCLUSION ON BENEFICIARIES
District: ………………Village: ………………….. Bank Branch: …………..

1. Name (Optional): ………………………….. Age (Years): …………….
2. Gender: Male/Female
3. Occupation:
a) Farmer/Agricultural Labour b) Self Employed c) Non-Agricultural Labour
d) Unemployed
4. Educational Qualifications:
a) Illiterate b) Metric c) 10+2/ Intermediate
d) Less than Graduate
5. Monthly Income (Rs.)
a) Upto 5000 b) Rs.5001-10000 c) 10001-15000
d) 15001 and above
6. Distance of the bank from your residence
a) Less than 1 K.M. b) 1-3 K.M. c) 4-7 K.M.
d) More than7 K.M.
7. To what extent, you agree with the following problems in availing the benefit of a
FI Scheme.
No. Agree Disagree
1 Cumbersome Process of Opening
the Account
2 Non-Cooperation of Bank Officials
3 Lack of Personal Attention
4 Difficulty in Obtaining Loan
5 Lack of Knowledge to Operate
the Bank Account
6 Any Other
8. To what extent, you agree that the attitude of bank officials for solving the problem
in availing the benefits of financial inclusion schemes?
No. Agree Disagree
1 Awareness through Financial
Literacy Camp(s)
2 ‘May I Help you’ counter
3 Providing the services of
242
Bank Mitr
4 Organizing special loan mela
5 Imparting personal training to
use banking services
6 Any Other
9. To what extent, you agree with the following reasons for opening a bank account.
No. Agree Disagree
1 Saving of Money
2 Availing of Loans
3 Receiving payments under
Government Schemes
4 Deposit Cheques/Demand
Drafts
5 Offering bank account at
doorstep
6 Any Other
10. To what extent, you agree with the following purposes of savings.
No. Agree Disagree
1 Education of Children
2 Meeting the Needs of Rainy
Days
3 Purchasing a House
4 Savings for Children Marriage
5 Future Consumption Needs
6 Any Other
11. To what extent, you agree with the following reasons for low/no transactions
in your bank account.
No. Agree Disagree
1 Distant Location of Bank
2 Non-functioning of Bank in
Convenient Time.
3 Complex Process in Valued
Transactions
4 Small Amount cannot be
Saved in Bank
5 Bank Officials not Polite
to Guide
6 Any Other
243
12. To what extent, you agree with the following options you take usually to
deposit/withdraw money from bank.
No. Agree Disagree
1 Personally Visiting the Bank
2 Using ATM/Green Channel
Counter/GRC
3 Using the Services of BF/BC/
Bank Mitr
4 Use of Mobile Banking
5 Use of Internet Banking
6 Any Other
13. To what extent, you agree with the following impacts of financial inclusion
schemes.
No. Agree Disagree
1 Improvement in Social Status
2 Easy Availability of Cash
through Bank ATM
3 Security through Life and
Accidental Insurance
4 Availability of Overdraft in
Urgent Needs
5 Confirmation of Transactions
by SMS
6 Any Other
Overall Cronbach’s Alpha Value: 0.910
244

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QUESTIONNAIRE-I

BANKERS’ VIEWPOINT ON FINANCIAL INCLUSION

District: ………………Village: ………………….. Bank Branch: …………..

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