INTORDUCTION

Innovation is increasingly recognized as a potent policy tool for addressing the structural problems
that characterize poverty in rural communities.

Innovation is central to the challenges facing rural regions. However, the public policies to lead
innovation in a rural context are not well understood. Unlocking this knowledge will help rural areas
improve their prospects for growth and help support reforms to shift rural policies to placed-based
innovation beyond a subsidy and sector specific approach.

In rural regions, innovation comes from a variety of sources, which are deferent to that found in urban
areas. Formal science-based innovation systems are typically found in larger cities with universities
and large enough firms to have a formal R&D function. These science- based activities can be highly
successful and have application in rural areas.

The government contribution also empathizes the pivotal role that the state must play in supporting
local capability in building and bridging knowledge gaps between innovation producers and rural user
communities, in order to get used to external practices.

Innovation is largely different in rural regions to cities and can take several different forms. Imported
innovations are important for rural areas and allow firms to remain competitive in external markets.
Absorbing these innovations requires connections to the places where the idea is developed and the
resources to acquire and introduce the modern technologies.

Rural innovation is important because it can help to address the unique challenges facedby rural areas,
such as limited access to resources, isolation, and limited economic opportunities, by fostering
innovation and entrepreneurship in rural areas, we can help to createsustainable, thriving communities
that are better equipped to meet the needs of their residents.

1
 OBJECTIVES OF THE PROJECT

Increase human resource development in rural area in which rural economy involves not only in
agriculture but all human, social natural and material resources.

❖ To provide the basic needs: elementary education, healthcare, clean drinking water,
rural roads etc.

❖ To impart knowledge between the farmers to adopt modern technology. Modern

agriculture technology hopes to achieve two important goals- profitable economy and
better output.

❖ To motivate saving and investment among the rural people in which banks play a
crucial role in rural capital formation. The role of the bank in rural development is
manifold.

❖ To find weather the rural development Scheme benefits the residence and to analyze
the awareness on labor welfare scheme.

❖ To analyze the awareness towards rural innovation projects.

❖ To create awareness about digital banking and rural people. The government initiatives
as well as banks (private or public) efforts in implementing digital services.

AREA TAKEN FOR PROJECT:

The area I’ve chosen for my rural innovation project is Sathapadi village in Salem district.

2
DESCRIPTION OF THE GEOGRAPHICAL AREA TAKEN FOR PROJECT

The geographical area of a village I had chosen is Sathapadi, GramaPanchayat is

grama panchayat in Cuddalore district, Tamandu, India.

3
 GENERAL DEMOGRAPHIC STATUS OF THE POPULATION WHERE,
THE PROJECT WAS UNDERTAKEN

Gram Panchayat Sathapadi

Block / Taluka Bhuvanagiri

District Cuddalore

State Tamil Nadu

Pin code 608601

363.68 hectares
Area

Population 1926

Households 465

Assembly Constituency Chidambaram

Parliament Constituency Chidambaram

Nearest Town Bhuvanagiri

4
 DATA ANALYSIS AND INTERPRETATION

Table 1:
Age of the Respondent

Cumulative
Valid Frequency Percent Valid Percent Percent
10-20 2 4.0 4.0 4.0
20-30 10 20.0 20.0 24.0
30-40 7 14.0 14.0 38.0
40-50 16 32.0 32.0 70.0
50-60 15 30.0 30.0 100.0

INFERENCE:

From above the table population fall in the age group 40-50 (32%) and 50-60 with thepercentage of
(30%) while a next percentage falls under 30-40 with the percentage of (14%). Although considerable
le amount above falls in the category of 20-30 with (20%).

Table 2:
Family Members Wise Distribution

Valid Frequency Percent Valid Percent Cumulative

Percent
2 5 10.0 10.0 10.0
3 12 24.0 24.0 34.0
4 18 36.0 36.0 70.0
5 11 22.0 22.0 92.0
specify 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the family has 4 members are (36%), 3 members are (24%), 5 members
(22%), 2 members are (10%) and, so, the majority comes under the family membersof Specify which is
(8%).

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Table 3:
Gender
Cumulative
Valid Frequency Percent Valid Percent Percent

Male 35 70.0 70.0 70.0

Female 15 30.0 30.0 100.0
Total 50 100.0 100.0
INFERENCE:
The above table shows the percentage of the respondents, the maximum percentage comes under male
category (70%). The minimum percentage comes under female category (30%).

Table 4:
Literacy Level Wise Distribution
Cumulative
Valid Frequency Percent Valid Percent Percent
Illiterate 11 22.0 22.0 22.0
Primary 18 36.0 36.0 58.0
Secondary 6 12.0 12.0 70.0
Degree 12 24.0 24.0 94.0
Postgraduate 3 6.0 6.0 100.0
Total 50 100.0 100.0
INFERENCE:
The above table shows the percentage of the respondents, the maximum percentage of Primary level
comes under Primary (36%), while the next Degree, degree is (24%) and (22%)respectively. The next
percentage falls on secondary (12%). The minimum percentage of respondents comes under
postgraduate (6%).

Table 5:
Monthly Income
Cumulative
Valid Frequency Percent Valid Percent Percent

less than 10000 14 28.0 28.0 28.0

10001 to 20000 22 44.0 44.0 72.0
20001 to 30000 9 18.0 18.0 90.0
30001 to 40000 4 8.0 8.0 98.0
50001 and above 1 2.0 2.0 100.0
Total 50 100.0 100.0
INFERENCE:
The above table shows the percentage of the respondents, the maximum percentage falls 10,001-20,000
(44%), while the next Less than 10,000 & 20,001-30,000 are (28%) and (18%) respectively. The
next percent falls under & 30,001-40,000(8%). Theminimum percentage falls under above 50, 000,
and (2%).

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Table 6:
Occupation Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Farmer 4 8.0 8.0 8.0
Agriculture labour 11 22.0 22.0 30.0
Labour 14 28.0 28.0 58.0
Salaried people 8 16.0 16.0 74.0
Self-employee 5 10.0 10.0 84.0
Others 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder Labour
people (58%), while the next agriculture and salaried people is (22%). The next percentage fall on
Salaried people (16%). The minimum percentage falls under retired (10%).

Table 7:
Land Hold Pattern

Cumulative
Valid Frequency Percent Valid Percent Percent
No land 28 56.0 56.0 56.0
Less than one acre 4 8.0 8.0 64.0
1 to 2 acres 7 14.0 14.0 78.0
2 to 3 acres 8 16.0 16.0 94.0
above 3 acres 3 6.0 6.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls under No lands
(56%), while the next 2 to 3 acre is (16%). The next percent falls 1 to 2 acres (14%). The next percent
falls less than one acre (8%). The minimum percentage falls no land (6%).

7
Table 8:
Types of Houses Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Thatched house 10 20.0 20.0 20.0
Govt scheme house 6 12.0 12.0 32.0
Own title house 29 58.0 58.0 90.0
Own small Building 5 10.0 10.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls under own title
house (58%), while the next percentage falls on Thatched house (20%) respectively. The next
percentage fall Govt scheme house (12%). The minimum percentage falls under own small building
andothers category (10%).

Table 9:
Assets Value Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
less than 100000 10 20.0 20.0 20.0
100000 to 200000 14 28.0 28.0 48.0
200000 to 300000 14 28.0 28.0 76.0
300000 to 400000 11 22.0 22.0 98.0
above 400000 1 2.0 2.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls 1,00,000 to
2,00,000 and 2,00,000 to 3,00,000 (28%). The next percentage falls on 3,00,000 to 4,00,000 (22%).
The next percentage falls on less than 1,00,000 (20%). The minimum percentage falls under above
4,00,000 and (18%).

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Table 10:
Bank Account Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 50 6.1 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls under yes
category (100%). There is no minimum percentage.

Table 11:
Types of Account

Cumulative
Valid Frequency Percent Valid Percent Percent
Saving A/C 49 98.0 98.0 98.0
Current a/c 1 2.0 2.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder saving
account (98%). There is minimum percentage Current account is (2%).

Table 12:
Types of Proofs Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Voter ID 8 16.0 16.0 16.0
Aadhar card 36 72.0 72.0 88.0
Ration card 6 12.0 12.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentagefalls under Aadhar
card (74%), percentage falls under Ration card (26%). And the minimum percentage is (16%).

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Table 13:
ATM

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 39 78.0 78.0 78.0
No 11 22.0 22.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentagefalls under yes
category (78%). The minimum percentage falls under no category (22%).

Table 14:
Utilization of ATM service Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 38 76.0 76.0 76.0
No 12 24.0 24.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentagefalls under yes
category (76%). The minimum percentage falls under no category (24%).

Table 15:
Withdraw of money

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 39 78.0 78.0 78.0
No 11 22.0 22.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentagefalls under yes
category (78%). The minimum percentage falls under no category (22%).

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Table 16:
Help Use ATM Service Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Family members 19 38.0 38.0 38.0
Friends 12 24.0 24.0 62.0
Existing staff in the bank 4 8.0 8.0 70.0
BC staff 3 6.0 6.0 76.0
Others 12 24.0 24.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsexisting Family
members (38%), while the next Friends and others (24%). The next percent falls on BC staff (6%).
The minimum percentage falls on Existing staff in the bank (8%).

Table 17:
Frequency of Bank visiting

Cumulative
Valid Frequency Percent Valid Percent Percent
Weekly 6 12.0 12.0 12.0
Monthly 10 20.0 20.0 32.0
Every two month 5 10.0 10.0 42.0
Every three month 13 26.0 26.0 68.0
Every four & above 16 32.0 32.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls under
every four & above (32%), while the next monthly and Every three month (26%) and the next percent
falls on weekly (12%) respectively. The minimum percentage fall sunder every two month (6%).

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Table 18:
Deposits and withdrawals Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
within week 4 8.0 8.0 8.0
within two weeks 5 10.0 10.0 18.0
within three weeks 11 22.0 22.0 40.0
more than a month 17 34.0 34.0 74.0
others 13 26.0 26.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder m o r e
t h a n a m o n t h (34%), while the next within three weeks (22%). The next falls underwithin other
weeks (26%), while the next falls on within two week (10%). The minimum percentage comes under
others (8%).

Table 19:
Awareness of Internet Banking

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 13 26.0 26.0 26.0
Somewhat Aware 6 12.0 12.0 38.0
Aware 5 10.0 10.0 48.0
Unaware 9 18.0 18.0 66.0
Highly Unaware 17 34.0 34.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder highly
unaware category (34%), while the aware and highly aware (26%), (24%) respectively.The minimum
percentage falls under somewhat aware and unaware category (18% &12%).

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Table 20:
Awareness on Mobile Banking Wise Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 24.0 24.0 24.0
Somewhat Aware 11 22.0 22.0 46.0
Aware 4 8.0 8.0 54.0
Unaware 1 2.0 2.0 58.0
Highly Unaware 22 42.0 42.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder highly
unaware category (42%), while the next highly aware and somewhat aware and highly aware are(24%,
22% & 8%) respectively. The minimum percentage falls unaware (2%).

Table 21:
Awareness on Bank Loan

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 14 28.0 28.0 28.0
Somewhat Aware 7 14.0 14.0 42.0
Aware 8 16.0 16.0 58.0
Unaware 4 8.0 8.0 66.0
Highly Unaware 17 34.0 34.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage fallsunder highly
unaware category (34%), while the next highly aware (28%), the next falls on Aware and Somewhat
aware are (16%), (14%) respectively. The minimum percentage falls under unaware (8%).

13
Table 22:
Access to Insurance Distribution

Cumulative
Valid Frequency Percent Valid Percent Percent
Life insurance 13 26.0 26.0 26.0
Health insurance 1 2.0 2.0 28.0
Accidental insurance 5 10.0 10.0 38.0
Don't have any 31 62.0 62.0 100.0
insurance
Total 50 100.0 100.0

INFERENCE:

The Above table shows the percentage of the respondents, the maximum percentage falls don’t have
any insurance (62%), the next have Life insurance is (26%). The next percent falls on Accidental
insurance and Health insurance (10% &02%). The minimum percentage falls under Health insurance
(02%).

Table 23:
Banking Quality Services

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly satisfied 18 36.0 36.0 36.0
Satisfied 18 36.0 36.0 72.0
Neutral 9 18.0 18.0 90.0
Dissatisfied 1 2.0 2.0 92.0
Highly dissatisfied 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows the percentage of the respondents, the maximum percentage falls under highly
satisfied and satisfied category (36%), the next neutral and highly dissatisfied are (18%), (08%)
respectively. The minimum percentage falls under dissatisfied category (2%).
.

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Table 24:
Awareness among the Micro Finance Wise Distribution
a) Aware about Microfinance

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 39 78.0 78.0 78.0
No 11 22.0 22.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows (78%) of the respondents are aware of microfinance. while(22%) are
unaware about micro finance

Table 25:
b) Beneficiary for Economic Activity

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 10 20.0 20.0 20.0
Agree 17 34.0 34.0 54.0
Neutral 13 26.0 26.0 80.0
Disagree 4 8.0 8.0 88.0
Strongly disagree 6 12.0 12.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table show that (34%) respondents choose to agree, (20%) of respondents choose neutral
and, (20%) of respondents choose strongly to agree, (12%) respondents choose strongly disagree, and
respondents are choose disagree (8%).

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Table 26:
c) Compared with public sector banks ordinary loans

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 12 24.0 24.0 24.0
Agree 12 24.0 24.0 48.0
Neutral 16 32.0 32.0 80.0
Disagree 2 4.0 4.0 84.0
Strongly disagree 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table (32%) of the respondents choose neutral, (24%) respondents choose to agree and
strongly agree, (16%) of respondents choose strongly agree, and (4%) of respondents are chosen in
disagree.

Table 27:
d) Available of Micro Finance Loan one personal assets

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 13 26.0 26.0 26.0
Agree 13 26.0 26.0 52.0
Neutral 13 26.0 26.0 78.0
Disagree 4 8.0 8.0 86.0
Strongly disagree 7 14.0 14.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table show (26%) of the respondents are Strongly agree, (26%) of them are Agree, (26%)
of them are Neutral, (8%) of them are disagree, (14%) of them are strongly disagree.

16
Table 28:
e) Duration of Micro Finance

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 11 22.0 22.0 22.0
Agree 18 36.0 36.0 58.0
Neutral 7 14.0 14.0 72.0
Disagree 6 12.0 12.0 84.0
Strongly disagree 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows (22%) of respondents Strongly Agree, with the availability, (36%) of the
respondents are Agree, (14%) of them Neutral, (12%) of respondents are Disagree, (16%) of
respondents Strongly disagree.

Table 29:
f) Interest of Micro Finance

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 19 38.0 38.0 38.0
Agree 12 24.0 24.0 62.0
Neutral 11 22.0 22.0 84.0
Disagree 4 8.0 8.0 92.0
Strongly disagree 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table (38%) of the respondents agree that interest rate in the microfinance is very that
compared to the other bank, (22%) of the respondents are neutral, (08%) are strongly disagree, (08%)
are strongly disagree.

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Table 30:
g) Repayment pattern
Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 13 26.0 26.0 26.0
Agree 16 32.0 32.0 58.0
Neutral 14 28.0 28.0 86.0
Disagree 3 6.0 6.0 92.0
Strongly disagree 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table show (32%) of the respondents agree that repayment pattern is well within the
capacity of borrower (28%) of the respondents are strongly agree, (28%) & (6%)of respondents
are neutral and disagree.

Awareness on the Banking Product and Service under PMJDY

Table 31:
a) Zero Balance

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 15 30.0 30.0 30.0
Somewhat Aware 10 20.0 20.0 50.0
Aware 4 8.0 8.0 58.0
Unaware 9 18.0 18.0 76.0
Highly unaware 12 24.0 24.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (30 %) of the respondents are highly aware about the zero balance on
banking product and services under PMJDY, (24 %) of them are highly unaware aware, and (8%) of
them are aware.

18
Table 32:
b) Access to Pension, insurance products

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 16 32.0 32.0 32.0
Somewhat Aware 8 16.0 16.0 48.0
Aware 6 12.0 12.0 60.0
Unaware 7 14.0 14.0 74.0
Highly unaware 13 26.0 26.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (32%) of the respondents are highly aware about the access topension and
insurance, (12%) of them are aware, (16%) are somewhat aware, 14% are unaware.

Table 33:
c) Easy Transfer of money across India

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 24.0 24.0 24.0
Somewhat Aware 9 18.0 18.0 42.0
Aware 3 6.0 6.0 48.0
Unaware 10 20.0 20.0 68.0
Highly unaware 16 32.0 32.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above shows (32%) are aware of the not easy transfer of money across India, (6%) are aware,
(24%) are under highly aware, (20%) are unaware.

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Table 34:
d) Rupay Debit Card

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 24.5 24.5 24.5
Somewhat Aware 9 18.4 18.4 42.9
Aware 7 14.3 14.3 57.1
Unaware 7 14.3 14.3 71.4
Highly unaware 14 28.6 28.6 100.0
Total 49 100.0 100.0

INFERENCE:

The above table shows (18.4%) of the respondents are somewhat aware and aware about the rupay
debit card on banking product and services, (24.5%) are under highly aware as well as in unaware of
it, and (28.8) are not highly unaware in debit card name.

Table 35:
e) Accidental insurance cover of Rs.1 lakh

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 16 32.0 32.0 32.0
Somewhat Aware 2 4.0 4.0 36.0
Aware 7 14.0 14.0 50.0
Unaware 11 22.0 22.0 72.0
Highly unaware 14 28.0 28.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (32%) of the respondents are highly aware of accidental insurance, (4%)
of the respondents are somewhat aware, (28%) are highly unaware, (22%) are unaware.

20
Awareness towards rural development schemes (Government Schemes)

Table 36:
a) National Rural Livelihood Mission

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 4 8.0 8.0 8.0
Somewhat Aware 17 34.0 34.0 42.0
Aware 2 4.0 4.0 46.0
Unaware 5 10.0 10.0 56.0
Highly unaware 22 44.0 44.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (44%) of the respondents are highly unaware about the national rural
livelihood mission on awareness towards rural development schemes.

Table 37:
b) Mahatma Gandhi National Rural Employment GuaranteeAct

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 6 12.0 12.0 12.0
Somewhat Aware 10 20.0 20.0 32.0
Aware 10 20.0 20.0 52.0
Unaware 4 8.0 8.0 60.0
Highly unaware 20 40.0 40.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (40%) of the respondents are Highly unaware about the Mahatma Gandhi
national rural employment guarantee act towards rural development schemes.

21
Table 38:
c) Pradhan Mantri Kaushal Vikas Yojana

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 7 14.0 14.0 14.0
Somewhat Aware 9 18.0 18.0 32.0
Aware 9 18.0 18.0 50.0
Unaware 6 12.0 12.0 62.0
Highly unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (38%) of the respondents are highly unaware about the Pradhan Mantri
Kaushal Vikas yojana, (10%) are under both somewhat aware and aware, (14%) are under highly
aware, (18 %) are aware.

Table 39:
d) Pradhan Mantri Awas Yojana

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 24.0 24.0 24.0
Somewhat Aware 6 12.0 12.0 36.0
Aware 7 14.0 14.0 50.0
Unaware 7 14.0 14.0 64.0
Highly unaware 18 36.0 36.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (36%) of the respondents are highly unaware of the Pradhan Mantri
Awas Yojana, (12%) of the respondents are somewhat aware, (14%) are unaware, (24%) are highly
aware.

22
Table 40:
e) Prime Minister Arogya Yojana

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 8 16.0 16.0 16.0
Somewhat Aware 10 20.0 20.0 36.0
Aware 8 16.0 16.0 52.0
Unaware 6 10.0 10.0 64.0
Highly unaware 18 36.0 36.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (36%) of the respondents are highly unaware of the prime minister Arogya
yojana, (20%) of the respondents are somewhat aware, (10%) of the respondents areunaware, and
(16%) both are respondents in highly aware and unaware.

Table 41:
f) National Rural Livelihood Mission

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly aware 10 20.0 20.0 20.0
Somewhat aware 23 46.0 46.0 66.0
Aware 12 24.0 24.0 90.0
Unaware 4 8.0 8.0 98.0
Highly unaware 1 2.0 2.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that the (46%) of the respondents are somewhat aware of the national rural
livelihood mission, (24%) of them are aware of the schemes, (20%) of them are highly aware.

23
Table 42:
g) National Old Age Pension Scheme

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 10 20.0 20.0 20.0
Somewhat Aware 8 16.0 16.0 36.0
Aware 6 12.0 12.0 48.0
Unaware 8 16.0 16.0 64.0
Highly unaware 18 36.0 36.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (36%) of the respondents are highly unaware of the national old age
pension scheme, (16%) of the respondents are somewhat aware and unaware of the scheme, (12%) of
therespondents are aware of the scheme, (20%) are the respondents are highly aware.

Table 43:
h) National Widow Pension Scheme

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 4 8.0 8.0 8.0
Somewhat Aware 13 26.0 26.0 34.0
Aware 8 16.0 16.0 50.0
Unaware 6 12.0 12.0 62.0
Highly unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the 56% of the respondents are aware of the national widow pension
scheme, 42% of the respondents are somewhat aware, 2%of them are highly aware.

24
Table 44:
i) National Family Benefit Scheme

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 4 8.0 8.0 8.0
Somewhat Aware 10 20.0 20.0 28.0
Aware 7 14.0 14.0 42.0
Unaware 7 14.0 14.0 56.0
Highly unaware 22 44.0 44.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (44%) of the respondents are highly unaware of the national family
benefit scheme, (20%) of them are somewhat aware of the scheme, (14%) of them are aware and
unaware, (8%) of them are highly aware.

Table 45:
Beneficiary of the Rural Development Schemes

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 28 56.0 56.0 56.0
No 22 44.0 44.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the 66% of the respondents are Yes to the beneficiary of the rural
development schemes. 34% of the respondents are No to the beneficiary of the rural development
schemes.

25
Table 46:
Not Beneficiary Reason

Cumulative
Valid Frequency Percent Valid Percent Percent
lack of opportunity 14 28.0 28.0 28.0
Disinterested 10 20.0 20.0 48.0
lack of awareness 12 24.0 24.0 72.0
improper communication 11 22.0 22.0 94.0
others 3 6.0 6.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (28%) of the respondents are others under the reason for beneficiary,
(24%) of them are lack of awareness respondents, (22%) of them are improper communication, (20%)
of them are disinterested.

Table 47:
Benefited by Rural Development Scheme

Cumulative
Valid Frequency Percent Valid Percent Percent
Always benefitted 13 26.0 26.0 26.0
sometimes benefitted 13 26.0 26.0 52.0
rarely benefitted 13 26.0 26.0 78.0
no benefit 7 14.0 14.0 92.0
others 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (26%) of the respondents are always benefitted, sometimes benefited
and rarely benefitted, (14%) are no benefited, (6%) are others benefited.

26
Table 48:
People’s Participation Enhancement

Cumulative
Valid Frequency Percent Valid Percent Percent
Initiatives to be taken by officials’ 18 36.0 36.0 36.0
Creating awareness amongpeople 18 36.0 36.0 72.0
proper communication 6 12.0 12.0 84.0
Through publicity 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (36%) of the respondents are Initiatives to be taken by officials creating
awareness among people, (12%) are proper communication, (16%) are through publicity.

Table 49:
Aware of Existing Rural Scheme Developments

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly informed 8 16.0 15.0 16.0
Sometimes informed 20 60.0 60.0 56.0
Rarely informed 13 26.0 25.0 82.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (60%) are sometimes informed, (15%) are Highly informed, and
(25%) rarely informed in rural scheme developments.

27
Table 50:
Newly Development schemes Communicated.

Cumulative
Valid Frequency Percent Valid Percent Percent
Always communicate 15 30.0 30.0 30.0
sometimes communicate 18 36.0 36.0 66.0
rarely communicate 9 18.0 18.0 84.0
no communication 5 10.0 10.0 94.0
others 3 6.0 6.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (36%) of the respondents are sometimes communicated regarding the
newly development schemes, (30%) of the respondents are always communicated, and (18%) & (10%)
rarely communication in and no communication in the newly development schemes.

Table 51:
Introduce of New Rural Scheme

Cumulative
Valid Frequency Percent Valid Percent Percent
Education 13 26.0 26.0 26.0
Agriculture 12 24.0 24.0 50.0
Irrigation 8 16.0 16.0 66.0
Infrastructure 14 28.0 28.0 94.0
social welfare 3 6.0 6.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (28%) of the respondents want infrastructure schemes, (26%) are
education schemes, (24%) are agriculture schemes, (6%) are social welfare.

28
Table 52:
Convenience of Rural Development

Cumulative
Valid Frequency Percent Valid Percent Percent
Very high 9 18.0 18.0 18.0
High 20 40.0 40.0 58.0
Moderate 14 28.0 28.0 86.0
Low 4 8.0 8.0 94.0
Very low 3 6.0 6.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (40%) of the respondents are high and (28%) of the respondents are
very high, (18%).

Table 53:
Labour welfare schemes

a) Accidental Death

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 6 12.0 12.0 12.0
S 20 40.0 40.0 52.0
N 11 22.0 22.0 74.0
DS 7 14.0 14.0 88.0
HDS 6 12.0 12.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (40 %) of the respondents are satisfied, (22%) of the respondents are
neutral, (14%) of the respondents are dissatisfied and (12%) are highly satisfied & highly dissatisfied.

29
Table 54:
b) Accidental Disability

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 5 10.0 10.0 10.0
S 15 30.0 30.0 40.0
N 12 24.0 24.0 64.0
DS 9 18.0 18.0 82.0
HDS 9 18.0 18.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (30%) of the respondents are Satisfied, (24%) of the respondentsare
neutral, (18%) are satisfied and highly dissatisfied, and dissatisfied minimum respondents.

Table 55:
c) Natural Death Assistance

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 14 28.0 28.0 28.0
S 21 42.0 42.0 70.0
N 7 14.0 14.0 84.0
DS 3 6.0 6.0 90.0
HDS 4 8.0 8.0 98.0
42.00 1 2.0 2.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (42%) of the respondents are satisfied, (28%) of the respondents are
Highly satisfied, (14%) of the respondents are neutral, and (8%) are respondents are highly dissatisfied.

30
Table 56:
d) Funeral Expense Assistance

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 10 20.0 20.0 20.0
S 24 48.0 48.0 68.0
N 12 24.0 24.0 92.0
HDS 4 8.0 8.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (48%) of the respondents are satisfied, (24%) of the respondents.
Neutral (20%) of the respondents are highly satisfied.

Table 57:
e) Girl Children Studying 10th

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 14 28.0 28.0 28.0
S 15 30.0 30.0 58.0
N 7 14.0 14.0 72.0
DS 6 12.0 12.0 84.0
HDS 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (30%) of the respondents are satisfied, whereas (28%) of the
respondents are highly satisfied, (14%) of the respondents are neutral, (12%) of the respondents are
dissatisfied and (16%) of highly dissatisfied.

31
Table 58:
f) If the son or daughter Passed 10th

Cumulative
Valid Frequency Percent Valid Percent percent
HS 16 32.0 32.0 32.0
S 15 30.0 30.0 62.0
N 7 14.0 14.0 76.0
DS 4 8.0 8.0 84.0
HDS 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (30%) of the respondents are highly satisfied and (30%) of the
respondents are satisfied, (16%) of them are highly dissatisfied, (14%) are respondents are neutral and
(8%) of respondents in dissatisfied.

Table 59:
g) Girl Children Studying 11th

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 10 20.4 20.4 20.4
S 20 40.8 40.8 61.2
N 7 14.3 14.3 75.5
DS 3 6.1 6.1 81.6
HDS 9 18.4 18.4 100.0
Total 49 100.0 100.0

INFERENCE:

The above table shows that the (40.8%) of the respondents are satisfied, (20.4%) of the respondents
are highly satisfied, (18.4%) of them are highly dissatisfied, (14.3%) of them are neutral, and (6.1%)
are respondents are dissatisfied.

32
Table 60:
h) GIRL Children Studying 12th

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 12 24.0 24.0 24.0

S 19 38.0 38.0 62.0

N 7 14.0 14.0 76.0

DS 4 8.0 8.0 84.0

HDS 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (38%) of the respondents are satisfied, (24%) of them are highly
satisfied,(16%) of them are highly dissatisfied, (14%) of them are neutral, and (8%) respondents
are dissatisfied.

Table 61:
i) If the son or daughter Passed 12th

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 15 30.0 30.0 30.0
S 19 38.0 38.0 68.0
N 7 14.0 14.0 82.0
DS 1 2.0 2.0 84.0
HDS 8 16.0 16.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (14%) of the respondents are neutral, (38%) of the respondentsare
satisfied, (2%) of them are dissatisfied, (30%) of them are highly satisfied.

33
Table 62:
j) Regular degree course with hostel

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 16 32.0 32.0 32.0
S 12 24.0 24.0 56.0
N 12 24.0 24.0 80.0
DS 3 6.0 6.0 86.0
HDS 7 14.0 14.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (24%) of the respondents are neutral, (24%) of respondents are
satisfied and, (32%) are highly satisfied, (6%) are dissatisfied.

Table 63:
k) Marriage Assistance
Cumulative
Valid Frequency Percent Valid Percent Percent
HS 15 31.3 31.3 31.3

S 18 37.5 37.5 68.8

N 6 12.5 12.5 81.3

DS 4 8.3 8.3 89.6

HDS 4 8.3 8.3 97.9

6.00 1 2.1 2.1 100.0

Total 48 100.0 100.0

INFERENCE:

The above table shows that the (12.5%) of the respondents are neutral, (37.5%) respondents are
satisfied, (31.5%) are respondents highly satisfied, and (30%) are respondents dissatisfied.

34
Table 64:
l) Maternity Assistance Miscarriage

Cumulative
Valid Frequency Percent Valid Percent Percent
HS 12 24.0 24.0 26.0
S 22 44.0 44.0 68.0
N 4 8.0 8.0 76.0
DS 6 12.0 12.0 88.0
HDS 5 10.0 10.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that the (24%) of the respondents are highly satisfied, (44%) of them are
satisfied, (8%) of them are neutral, (12%) of them are dissatisfied, and (10%) of the respondents
are highly dissatisfied.

Table 65: -
m) Pension
Cumulative
Valid Frequency Percent Valid Percent Percent
HS 18 36.0 36.0 36.0
S 18 36.0 36.0 72.0
N 4 8.0 8.0 80.0
DS 5 10.0 10.0 90.0
HDS 4 10.0 10.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that the (36%) of the respondents are highly satisfied and satisfied, (10%)
of them are dissatisfied, (8%) of them are neutral, (10%) of them are dissatisfied, and (10%) of
the respondents are highly dissatisfied.

35
Online Purchase Behaviors

Table 66:
a) Satisfied with online shopping experience

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 10 20.4 20.4 20.4
Agree 15 30.6 30.6 51.0

Neutral 6 12.2 12.2 63.3

Disagree 3 6.1 6.1 69.4

Strongly disagree 15 30.6 30.6 100.0

Total 49 100.0 100.0

INFERENCE:

The above table shows that (30.6%) of the respondents choose to agree, (12.2%) of the respondents
choose neutral, and (30.6%) of the respondents choose strongly agree (10%) of the respondents are
disagree with online shopping experience.
Table 67:
b) Online Shopping hassle free

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 11 22.0 22.0 22.0
Agree 15 32.0 32.0 35.0
Neutral 9 18.0 18.0 18.0
Disagree 1 2.0 2.0 25.0
Strongly disagree 13 26..0 26..0 100.0
Total 49 100.0 100.0

INFERENCE:
The above table shows that (18%) of the respondents choose natural, (32%) of the respondents with
agree, and (02%) of the respondents with disagree, and (22%) of the respondents choose strongly
agree, and (26%) of the respondents choose strongly disagree aboutthat Online shopping is hassle free
as compared to traditional Shopping.

36
Table 68:
c) Online Shopping Comfortable

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 13 26.0 26.0 24.0

Agree 11 23.0 23.0 46.0

Neutral 7 18.0 18.0 61.0

Disagree 3 8.0 8.0 67.0

Strongly disagree 16 25.0 25.0 100.0

Total 50 100.0 100.0

INFERENCE:
The above table shows that (18%) of the respondents choose natural, (23%) of the respondents with
agree, (8%) of the respondents disagree, and (26%) of the respondents choose strongly agree, and
(25%) of the respondents choose strongly disagree about that Onlineshopping is comfortable than
traditional Shopping.

Table 69:
d) Online Shopping Saves Time

CumulativePercent
Valid Frequency Percent Valid Percent
Strongly agree 8 16.0 16.0 16.0
Agree 10 20.0 20.0 36.0
Neutral 9 18.0 18.0 54.0
Disagree 8 16.0 16.0 70.0
Strongly disagree 15 30.0 30.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that (18%) of the respondents choose natural, (16%) of the respondents with
disagree, and (16%) with strongly agree, and (20%) of the respondents choose agree, and (30%) of the
respondents choose strongly disagree about that Online shopping savestime and money as compared
to traditional Shopping.

37
Table 70:
e) Online Shopping 24*7

Cumulative
Valid Frequency Percent Valid Percent Percent
Strongly agree 9 17.6 17.6 18.4
Agree 12 24.5 24.5 42.9
Neutral 8 16.3 16.3 59.2
Disagree 2 4.1 4.1 63.3
Strongly disagree 18 36.7 36.7 100.0
Total 49 100.0 100.0

INFERENCE:
The above table shows that (16.3%) of the respondents with neutral, (17.6%) shows the respondents
strongly agree and disagree comes with (36.7%), and (24.5%) & (4.1%) of the respondents choose
strongly to disagree and agree about that online shopping is preferred because of 24*7 shopping
facility.

Awareness towards Rural Innovative Project

Table 71:
a) latest technology of water irrigation
Cumulative
Valid Frequency Percent Valid Percent Percent
Drip irrigation 10 20.0 20.0 20.0
Sprinklers irrigation 14 28.0 28.0 48.0
Hydro phonics 9 18.0 18.0 66.0
Any other specify 17 34.0 34.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that (20%) of the respondents are aware about Drip irrigation, (28%) aware
abut sprinklers irrigation, (18%) aware of hydroponics, (34%) know other.

38
Table 72:

b) KISAN RATH Mobile App

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 8 16.0 16.0 16.0
Somewhat Aware 13 26.0 26.0 42.0
Aware 2 4.0 4.0 46.0
Unaware 8 16.0 16.0 62.0
Highly Unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that (16%) of the respondents are highly aware, (26%) of the respondents are
somewhat aware, (16%) of the respondents are unaware, (4%) of therespondents are aware and (38%)
of the respondents are highly unaware about benefits of KISAN RATH Mobile app for farmers.

Table 73:
d) Subsidy Schemes

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 11 16.0 16.0 16.0
Somewhat Aware 10 26.0 26.0 42.0
Aware 5 4.0 4.0 46.0
Unaware 5 16.0 16.0 62.0
Highly Unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0

INFERENCE:
The above table shows that (38%) of the respondents are highly unaware, (04%) of therespondents are
aware, (16%) of the respondents are unaware, (26%) of the respondents are somewhat aware and
(16%) of the respondents are highly aware about the subsidy schemes.

39
Table 74:
e) Modern Agricultural technological applications

Cumulative
Valid Frequency Percent Valid Percent Percent
Yes 5 10.0 10.0 10.0
No 45 90.0 90.0 100.0

Total 50 100.0 100.0

INFERENCE:
The above table shows the percentage of the respondents, the maximum percentage falls under yes
category (90%). The minimum percentage falls under no category (10%).

Table 75:
f) Advantages of use of modern technological applications

Cumulative
Valid Frequency Percent Valid Percent Percent

increased output 8 16.0 16.0 16.0

increase in productivity 23 46.0 46.0 62.0

no change 11 22.0 22.0 84.0

Decrease in output and 8 16.0 16.0 100.0
productivity
Total 50 100.0 100.0

INFERENCE:
The above table shows that (46%) of the respondents responded that there is Increase in Productivity
and (16%)of the respondents are increases output, and (22%) of the respondents choose no change,
and (16%) of the respondents are decrease in output and productivity.

40
Table 76:
g) Biogas setup

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 8 16.0 16.0 16.0

Somewhat Aware 6 12.0 12.0 28.0

Aware 19 38.0 38.0 66.0

Unaware 11 22.0 22.0 88.0

Highly Unaware 6 12.0 12.0 100.0

Total 50 100.0 100.0

INFERENCE:

The above table shows that (38%) of the respondents are aware, (12%) of the respondents are
highly unaware and somewhat aware somewhat ever, (22%) of the respondents are unaware, and
(16%) of the respondents are highly aware about the biogas setup from the government.

Table 77:
h) Solar energy setup

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 9 18.0 18.0 18.0
Somewhat Aware 9 18.0 18.0 36.0

Aware 4 8.0 8.0 44.0

Unaware 15 30.0 30.0 74.0

Highly Unaware 13 26.0 26.0 100.0

Total 50 100.0 100.0

INFERENCE:

The above table shows that (08%) of the respondents are aware, (18%) of the respondents are
somewhat aware and highly aware, (30%) of the respondents are unaware, (26%) of the respondentsare
highly unaware about solar energy setup from government.

41
Awareness on various schemes offered by Tamil Nadu Government
Table 78:
a) Loan can be obtained Housing

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 11 22.0 22.0 22.0

Somewhat Aware 13 26.0 26.0 48.0

Aware 4 8.0 8.0 56.0

Unaware 12 24.0 24.0 80.0

Highly Unaware 10 20.0 20.0 100.0

Total 50 100.0 100.0

INFERENCE:

The above table shows that (08%) of the respondents are aware, (26%) of the respondents are
somewhat aware, (24%) of the respondents are unaware, and (322%) of the respondents are highly
aware about solar energy setup from government.

Table 79:
b) Loan can be obtained Jewel loan

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 22 44.0 44.0 44.0
Somewhat Aware 14 28.0 28.0 72.0
Aware 6 12.0 12.0 84.0
Unaware 3 6.0 6.0 90.0
Highly Unaware 5 10.0 10.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (12%) of the respondents are aware, (28%) of the respondents are
somewhat aware, (10%) of the respondents are highly unaware and (44%) of the respondents are
highly aware about solar energy setup from government.

42
Table 80:
c) Loan can be obtained Horticulture

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 17 2.1 34.0 34.0

Somewhat Aware 7 .9 14.0 48.0

Aware 6 .7 12.0 60.0

Unaware 7 .9 14.0 74.0

Highly Unaware 13 1.6 26.0 100.0

Total 50 6.1 100.0

INFERENCE:

The above table shows that (14%) of the respondents are somewhat aware and unaware, (34%) of the
respondents are highly aware, (26%) of the respondents are highly unaware and (34%) of the
respondents are highly aware about solar energy setup from government.

Table 81:
d) Loan can be Inland fishing

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 1.5 24.0 24.0
Somewhat Aware 5 .6 10.0 34.0
Aware 3 .4 6.0 40.0
Unaware 12 1.5 24.0 64.0
Highly Unaware 18 2.2 36.0 100.0
Total 50 6.1 100.0

INFERENCE:

The above table shows that (6%) of the respondents are aware, (10%) of the respondents are somewhat
aware, (24%) of the respondents are unaware, (36%) of the respondents are highly unaware and (24%)
of the respondents are highly aware about solar energy setup from government.

43
Table 82:
e) Loan can be Poultry development

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 8 16.0 16.0 16.0

Somewhat Aware 9 18.0 18.0 34.0

Aware 8 16.0 16.0 50.0

Unaware 8 16.0 16.0 66.0

Highly Unaware 17 34.0 34.0 100.0

Total 50 100.0 100.0

INFERENCE:

The above table shows that (16%) of the respondents are aware, (18%) of the respondents are somewhat
aware, (16%) of the respondents are unaware, (34%) of the respondents are highly unaware and (16%) of
the respondents are highly aware about solar energy setup from government.

Table 83:
f) Power tiller

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 12 24.0 24.0 24.0
Somewhat Aware 9 18.0 18.0 42.0
Aware 3 6.0 6.0 48.0
Unaware 10 20.0 20.0 68.0
Highly Unaware 16 32.0 32.0 100.0
Total 50 100.0 100.0

INFERENCE:

The above table shows that (06%) of the respondents are aware, (18%) of the respondents are somewhat
aware, (20%) of the respondents are unaware, (32%) of the respondents are highly unaware and (24%) of
the respondents are highly aware about solar energy setup from government.

44
Table 84:
g) Loan can be Tactor Purchase

Cumulative
Valid Frequency Percent Valid Percent Percent
Highly Aware 11 22.0 22.0 22.0
Somewhat Aware 10 20.0 20.0 42.0

Aware 5 10.0 10.0 52.0

Unaware 5 10.0 10.0 62.0

Highly Unaware 19 38.0 38.0 100.0

Total 50 100.0 100.0

INFERENCE:

The above table shows that (10%) of the respondents are aware, (20%) of the respondentsare somewhat
aware, (10%) of the respondents are unaware, (38%) of the respondents are highly unaware and (22%) of
the respondents are highly aware about solar energy setup from government.

45
 FINDINGS
❖ The analysis reveals that majority 32% of the respondents are 40 – 50 years of age.

❖ It is inferred that majority 36% of the respondents are family members of 4.

❖ It is found that majority 70% of the respondent’s gender wise are male.

❖ The analysis reveals that majority 24% of the respondents are degree.

❖ It is evident that majority 44% of the respondents’ monthly incomes are less thanRs.10,001to 20,000.
❖ From the analysis that majority 28% of the respondent’s occupation are labour.

❖ It is found that majority 56% of the respondent’s land hold pattern are No land.

❖ It is found that majority 58% of the respondent’s houses are own little house.

❖ The analysis reveals that majority 28% of the respondent’s asset values are Rs.1,00,000to2,00,000.
❖ It is inferred that majority 100% of the respondents are having the bank account.

❖ It is found that majority 98% of the respondents account types are savings A/C.

❖ The analysis reveals that majority 73 % of the respondents having the bank account in Indian bank.
❖ It is inferred that majority 72% of the respondents are proofs to open bank accounts usingration
card.
❖ It is found that majority 78% of the respondents are having the ATM card.

❖ From the analysis that majority 76% of the respondents are utilize the ATM service.

❖ The analysis reveals that majority 78% of the respondents are known how to withdrawamount in
the ATM.
❖ It is found that majority 38% of the respondents are family helping to use of ATMservice.
❖ The analysis reveals that majority 32% of the respondents are every 4 & above month.
❖ It is inferred that majority 32% of the respondents are deposits and more than a month.

❖ From the analysis that majority 34% of the respondents are highly unaware about the internet
banking.
❖ It is found that majority 42% of the respondents are highly unaware about the mobile banking.

❖ It is inferred that majority 28% of the respondents are highly aware about the bank loan.

❖ The analysis reveals that majority 62% of the respondents are don’t have a insurance.
46
❖ The analysis reveals that majority 36% of the respondents are highly satisfied in the overall
satisfaction level of banking quality service.
❖ It is found that majority 34% of the respondents are unaware about the microfinance.

❖ It is inferred that majority 34% of the respondents are agree with beneficiary for economicactivity in
micro finance.
❖ The analysis reveals that majority 32% of the respondents are neutral with the costs ofgetting in
micro finance.
❖ It is found that majority 26% of the respondents are strongly agree with the availability of micro
finance.
❖ From the analysis that majority 36% of the respondents are agree with the duration ofmicro
finance.
❖ The analysis reveals that majority 38% of the respondents are strongly agree the interestrate of
micro finance when compared to bank.
❖ It is found that majority 32% of the respondents are aware with the repayment pattern in
microfinance.
❖ It is inferred that majority 30% of the respondents are aware about the zero balance inPMJDY
scheme.
❖ From the analysis that majority 44% of the respondents are aware about the access topension
and insurance products in PMJDY.
❖ It is found that majority 32% of the respondents are aware about easy transfer of moneyacross
India in PMJDY.
❖ The analysis reveals that majority 28% of the respondents are highly unaware about the Rupay debit
card in PMJDY.
❖ It is inferred that majority 32% of the respondents are h i g h l y aware about the Accidental
insurance cover of Rs. 1 lakh in PMJDY scheme.
❖ From the analysis that majority 44% of the respondents are highly unaware about the National
Rural Livelihood Mission towards the Rural Development Schemes.
❖ It is found that majority 40% of the respondents are h i g h l y unaware about Mahatma Gandhi
National Rural Employment Guarantee Act towards the rural development schemes.
❖ The analysis reveals that majority 36% of the respondents are highly unaware about the Pradhan
Mantri Awas Yojana towards rural development schemes.
❖ It is found that majority 40% of the respondents are unaware about Prime Minister ArogyaYojana
towards the rural development schemes.

47
❖ It is inferred that majority 36% of the respondents are highly unaware about the Pradhan Mantri
Kaushal Vikas Yojana.
❖ The analysis reveals that majority 38% of the respondents are highly unaware about the
NationalWidow Pension Scheme.
❖ It is inferred that majority 34% of the respondents are aware about the National FamilyBenefit
scheme.
❖ It is found that majority 82% of the respondents are beneficiary of the rural developmentscheme.
❖ From the analysis that majority 56% of the respondents are beneficiary because of otherreasons.
❖ It is found that majority 38% of the respondents are aware about the latest technology ofany
other specify.
❖ It is inferred that majority 38% of the respondents are highly unaware about the KISANscheme
for farmers.
❖ The analysis reveals that majority 38% of the respondents are unaware about KISANRATH
mobile app.
❖ It is inferred that majority 38% of the respondents are highly unaware about the subsidyscheme.
❖ It is inferred that majority 90% of the respondents are needed a training for farmers to usemodern
agricultural technological applications.
❖ It is found that majority 46% of the respondents are saying that increase in productivity isthe
advantages of use of modern technological applications.
❖ It is inferred that majority 38% of the respondents are aware about the biogas setup.
❖ The analysis reveals that majority 30% of the respondents are unaware about the solar energy.

❖ The analysis reveals that majority 26% of the respondents are somewhat aware about housing,
houseconstruction, repair extension loan (max 10 lakhs).
❖ It is inferred that majority 44% of the respondents are h i g h l y aware about jewel loan (max 1
lakhs).
❖ It is found that majority 34% of the respondents are unaware about horticulture (max 2lakhs).
❖ The analysis reveals that majority 34% of the respondents are highly aware inland fishing (max3.3
lakhs).

❖ From the analysis that majority 36% of the respondents are highly unaware poultry development
maximum amount of loan.
❖ From the analysis that majority 34% of the respondents are highly unaware power tiller (up to
90%).
❖ It is inferred that majority 38% of the respondents are highly unaware tractor purchase (up to
90%).
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 LEARNING OUTCOME

❖ I learned about their living infrastructure and day to day survival of their simple life.
❖ I learned about their daily needs.
❖ Awareness tips to rural people about micro finance
❖ digital banking which helps the rural public in financial and digital literacy programmers.
❖ Improving and offering requisites infrastructure for digital transaction in rural segment.
❖ And majority of the village are agricultural labour, but they are not aware about the modern
technology and various subsidy schemes provided by government, so training and proper
awareness is required.
❖ I came to know about the Rural Development schemes, which I gave the same information
to the villages.

49
PICTURES TAKEN DURING DATA COLLECTION

50
51
CERTIFICATE

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