financial inclusion initiatives of commercial banks in...

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FINANCIAL INCLUSION INITIATIVES OF COMMERCIAL BANKS IN

NAGAPATTINAM DISTRICT, TAMILNADU

QUESTIONNAIRE TO BANKERS

I, S.RAJASWAMINATHAN, pursuing Ph.D under the guidance of

Dr. D. GANESAN in the discipline of Commerce, Manonmaniam Sundaranar

University, Tirunelveli. I am carrying out a research on “Financial inclusion initiatives

of Commercial Banks in Nagapattinam District, Tamil Nadu”. In this respect, I

request you to spare your valuable time to express your views on the following questions

and statements. I also assure you that the responses given by you will be kept

confidentially and used for the academic research purpose only.

1. Designation of the Official (√ whichever is applicable): A. Chief Manager [ ] B.

Senior Manager [ ] C. Manager [ ] D. Assistant Manager [ ] E. Officers [ ]

2. Bank Type: A. Public Sector Bank [ ] B. Private Sector Bank [ ] C. RRB [ ]

3. Place: A. Rural [ ] B. Semi - urban [ ]

4. Age: A. 18 – 30 [ ] B. 31 – 45 [ ] C. 46 – 60 [ ]

5. Sex: A. Male [ ] B. Female [ ]

6. Education: A. Graduation [ ] B. Post Graduation [ ] C. Professionals [ ]

7. Years of Service: A. Up to 5 Years [ ] B. 6 – 10 years [ ]

C. 11 – 15 Years [ ] D. 16 – 20 Years [ ] E. 21 – 25 Years [ ]

F. 26 – 30 Years [ ] G. 31 Years and Above [ ]

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8. Views of bank officials on the following services offered: ( Circle your views as

Strongly Disagree – SD , Disagree – DA, Not Sure – NS, Agree – A, Strongly

Agree – SA )

S. N. Banker’s views SD DA NS A SA

1 The bank strictly follows the service area

approach 1 2 3 4 5

2 The bank offers financial literacy programme

such as arithmetic, writing, reading, operating

bank a/c

1 2 3 4 5

3 The bank offers no-frills a/c to the individual

who are BPL 1 2 3 4 5

4 The bank provides KCC / GCC / OD facilities

to customers 1 2 3 4 5

5 The bank has appointed BC/BF/USB in its

service area 1 2 3 4 5

6 The bank provides Educational loan to students 1 2 3 4 5

7 The bank provides Vehicle loan to the

customers 1 2 3 4 5

8 The bank provides Personal loan to the

customers 1 2 3 4 5

9 The bank provides Crop loan to the customers 1 2 3 4 5

10 The bank provides Business loan to the

customers 1 2 3 4 5

11 The bank strictly follows on the KYC norms 1 2 3 4 5

12 The bank doesn’t offer Insurance/Pension products

1 2 3 4 5

13 The bank regularly conducts Awareness

programme on Money Management 1 2 3 4 5


programme on Debt Counseling 1 2 3 4 5


programme on Financial Knowledge 1 2 3 4 5

16 The bank offers Debit Card facilities to all

eligible bank customers 1 2 3 4 5

17 The bank has Automatic Teller Machine

facilities in its service area 1 2 3 4 5

18 The bank has Bio-metric ATM facilities to its

rural customers 1 2 3 4 5

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S. N. Banker’s views SD DA NS A SA

19 The bank remits payment for MGNREGS/any

other government remittances to the customers

immediately

1 2 3 4 5

20 Customers can borrow from the bank without

any hassle 1 2 3 4 5

21 The bank has good Customer Relationship

Management 1 2 3 4 5

22 The bank instructs their customers about their

right on using banking services 1 2 3 4 5

23 The bank redresses grievances if any to its

customers 1 2 3 4 5

24 The bank has covered all the households with a

bank a/c in its service area 1 2 3 4 5

25 The bank offered more Agri Gold Loan rather

than ordinary loan to the farmers 1 2 3 4 5

26 The bank offers E – Banking/ NEFT/RTGS/Net

Banking/E – Payment to the customers 1 2 3 4 5

9. Express your views on financial inclusion initiative taken by your branch:

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10. Write your opinion for attaining full financial inclusion with suitable bankable

products.

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---------------------------

Thanking You…

iv



QUESTIONNAIRE TO BUSINESS CORRESPONDENTS








1. Designation of the Respondent (√ whichever is applicable).A. BC [ ] B.USB [ ]

2. Bank Type: A. Public Sector Bank [ ] B. Private Sector Bank [ ]

3. Place: A. Rural [ ] B. Semi - urban [ ]

4. Age: A. 18 – 30 [ ] B. 31 – 45 [ ] C. 46 – 60 [ ]

5. Sex: A. Male [ ] B. Female [ ]

6. Education: A. School Education [ ] B. Diploma [ ] C. Graduation [ ]

D. Post Graduation [ ]

7. Marital status: A. Single [ ] B. Married [ ] C. Others_______________ [ ]

8. Family size: A. Less than or Equal to 4 [ ] B. Between 5 to 8 [ ] C. Above 8 [ ]

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9. Years of Service: A. 1 Year [ ] B. 2 years [ ] C. 3 Years [ ] D. 4 Years [ ]

10. Monthly Income (in Rupees): A. Less than 5000 [ ] B. 5000 to 10000 [ ]

C. 10001 to 15000 [ ] D. 15001 to 20000 [ ] E. 20001 and Above [ ]

11. Views of bank officials on the following services offered: ( Circle your views as

Strongly Disagree – SD , Disagree – DA, Not Sure – NS, Agree – A, Strongly

Agree – SA )

S. N. BC/BF/USB’s views SD DA NS A SA

1. The bank strictly follows the service area

approach 1 2 3 4 5

2. The bank offers financial literacy programme

such as arithmetic, writing, reading, operating

bank a/c

1 2 3 4 5

3. The bank offers no-frills a/c to the individual

who are BPL 1 2 3 4 5

4. The bank provides KCC / GCC / OD facilities to

customers 1 2 3 4 5

5. The bank provides Educational loan to students 1 2 3 4 5

6. The bank provides Vehicle loan to the customers 1 2 3 4 5

7. The bank provides Personal loan to the customers 1 2 3 4 5

8. The bank provides Crop loan to the customers 1 2 3 4 5

9. The bank provides Business loan to the customers 1 2 3 4 5

10. The bank strictly follows on the KYC norms 1 2 3 4 5

11. The bank offers Insurance/Pension products 1 2 3 4 5

12. The bank regularly conducts Awareness

programme on Money Management 1 2 3 4 5


programme on Debt Counseling 1 2 3 4 5


programme on Financial Knowledge 1 2 3 4 5

15. The bank concentrates on Brick and Mortar

branches rather than Ultra Small Branches in

rural areas

1 2 3 4 5

16. The bank offers Debit Card facilities to all

eligible bank customers 1 2 3 4 5

17. The bank has Automatic Teller Machine facilities

in its service area 1 2 3 4 5

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S. N. BC/BF/USB’s views SD DA NS A SA

18. The BC/BF/USB remits payment for

MGNREGS/any other government remittances to

the customers immediately

1 2 3 4 5

19. Customers can borrow from the bank without any

hassle 1 2 3 4 5

20. The BC/BF/USB has good Customer

Relationship Management 1 2 3 4 5

21. The BC/BF/USB instructs their customers about

their right on using banking services 1 2 3 4 5

22. The BC/BF/USB nurtures the habit of Debt

Repayment 1 2 3 4 5

23. The bank redresses grievances if any to its

customers 1 2 3 4 5

24. The BC/BF/USB has covered all the households

with a bank a/c in its service area 1 2 3 4 5

25. The bank offered more Agri Gold Loan rather

than ordinary loan to the farmers 1 2 3 4 5

26. The bank offers E – Banking/ NEFT/RTGS/Net

Banking/E – Payment to the customers 1 2 3 4 5

27. The BC/BF/USB holds Goodwill and

Trustworthiness among its service area customers 1 2 3 4 5

12. Express your views on financial inclusion initiative taken by you:

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13. Write your opinion for attaining full financial inclusion with suitable bankable

products

---------------------------------------------------------------------------------------------------

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--------------------------------------------------------------------------------------------------

Thanking You…

vii



QUESTIONNAIRE TO RESIDENTS








1. Rural [ ] / Semi-Urban [ ] / Urban [ ] (√ whichever is applicable).

2. Block & Village: A. Mayiladuthurai & Varadampattu[ ], Kurichi[ ],Seruthiyur[ ],

B. Nagapattinam & Akkaraipettai[ ], Agalangan[ ], Andanapeetai[ ],

C. Sembanarkoil & Kidarankondan[ ], Chandrapadi[ ], Visalur[ ].

3. Age: A. 18 – 30 [ ] B. 31 – 45 [ ] C. 46 – 60 [ ] D. Above 60 [ ]

4. Sex: A. Male [ ] B. Female [ ] C. Transgender [ ]

5. Educational level:

A. No formal education [ ] B. School Education [ ] C. Degree/Diploma [ ]

D. Post Graduation [ ] E. Other specify_____________________ [ ]

6. Marital status: A. Single [ ] B. Married [ ] C. Other________________ [ ]

7. Family size: A. Less than or Equal to 4 [ ] B. Between 5 to 8 [ ] C. Above 8 [ ]

8. Religion: A. Hindu [ ] B. Christian [ ] C. Muslim [ ] D. Other____________ [ ]

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9. Community: A. Scheduled [ ] B. Most Backward [ ] C. Backward [ ]

D. Forward [ ]

10. Occupation: A. Farmer [ ] B. Agrilabour [ ] C. Self employed [ ]

D. Housewife [ ] E. Landlord [ ] F. Other______________ [ ]

11. Annual Income (in `.): A. Less than `. 25000 [ ] B. `. 25000 to `. 50000 [ ]

C. `. 50001 to `. 75000 [ ] D. `. 75001 to `. 100000 [ ] E. `. 100001 & above [ ]

12. Do you have bank account? A. Yes [ ] B. No [ ] (If ‘yes’ go to Q.14)

13. If No, Reasons for not having a bank account:

A. I have no money/little money to put in [ ] B. No bank in this area [ ]

C. Not interested [ ] D. Service charges are high [ ]

E. Tried to open but was refused [ ] F. Lengthy process [ ]

G. No ID [ ] H. Anticipated rejection [ ] I. Had debts [ ]

J. Previous bad credit history [ ] K. No job, unemployed [ ]

L. If others, (please specify) ____________________ [ ]

14. No. of accounts in your household: A. 1 [ ] B. 2 – 3 [ ] C. 4 – 5 [ ]

D. More than 5 [ ]

15. Which type of account do you have?

A. No Frill a/c [ ] B. Savings Bank a/c [ ] C. Current a/c [ ]

D. Recurring Deposit a/c [ ] E. Fixed Deposit a/c [ ]

F. If others, (please specify) __________________ [ ] (If Ans. ‘A’ go to Q.16)

16. How did you find out that banks were opening such ‘no-frills’ accounts?

A. Bank Officials [ ] B. SHG Members [ ] C. NGOs [ ]

D. Neighbours [ ] E. Village Panchayat [ ] F. Farmer Clubs Posters [ ]

G. Village Meetings [ ] H. Newspapers/Advertisements [ ]

17. What are the documents you have been asked for opening an account?

A. Electoral card [ ] B. Ration card [ ] C. Aadaar card [ ]

D. Any Others (Specify) _______________________ [ ]

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18. Whether banker explained to you in depth about the advantages of holding an

account with bank and other provision? A. Yes [ ] B. No [ ]

19. Why didn’t you initially possess a bank account before financial inclusion

initiative?

A. Lack of financial knowledge [ ]

B. Difficulty in accessing banking services [ ]

C. Poor Financial condition [ ] D. No Necessity [ ]

E. Any others (specify)_______________________________ [ ]

20. Do you own bank account with a cheque book facility? A. Yes [ ] B. No [ ]

21. Are you visiting your bank branch frequently? If yes, can you mention the

purpose?

A. Deposits [ ] B. Withdrawal [ ] C. Loans [ ] D. Repayment [ ]

E. If others, (please specify) ___________________________ [ ]

22. Whether your bank branch provides you instructions regarding services in

Tamil?

A. Yes – 1 [ ] B. No – 2 [ ]

23. What were the reasons that your household opened the account?

A. To receive Govt. payments from NREGS [ ]

B. To receive Govt. payments from schemes other than NREGS [ ]

C. For receiving remittances [ ] D. For saving money [ ]

E. To request a loan [ ] F. If others, (please specify) ______________ [ ]

24. Who helped you open the account?

A. Village Panchayat Members (GRS) [ ] B. Bank Officials [ ]

C. Neighbour [ ] D. Friends/Relatives [ ]

E. If others, (please specify) _________________ [ ]

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25. How frequently do you save in your account?

A. Don't save / never [ ] B. At least once a month [ ]

C. Less than a month [ ] D. I put in money as and when I can [ ]

E. If others, (please specify) __________________________ [ ]

26. over the past five years, have you been anywhere for advice about money

matters?

A. No, no where [ ] B. Family/friends [ ] C. Bank [ ]

D. Financial Adviser [ ] E. Social worker [ ]

F. If others, (please specify) ____________________ [ ]

27. Have your household ever borrowed or taken a loan?

A. Yes [ ] B. No [ ]

If Yes, from where? A1. Banks [ ] A2. Relatives [ ] A3. Friends [ ]

A4. Moneylenders [ ] A5. If others, (please specify) ________________ [ ]

27a. Which of the following reasons led to this choice?

A. Low rate of interest [ ] B. Good deal/good rate [ ]

C. Offered/arranged by the banks [ ] D. It is easy [ ]

E. Trustworthy lender [ ] F. If others, (please specify) ________________ [ ]

27b. What was the type of the credit/loan?

A. Housing loan [ ] B. Agricultural loan [ ] C. Educational loan [ ]

D. Vehicle loan [ ] E. Personal loan [ ] F. Business Loan [ ]

G. If others, (please specify) _______________ [ ]

27c. How much of loan did you avail?

A. Up to `. 50,000 [ ] B. `. 50,001 to `. 1,00,000 [ ]

C. `. 1,00,001 to `. 1,50,000 [ ] D. `. 1,50,001 to `. 2,00,000 [ ]

E. `. 2,00,001 to `. 2,50,000 [ ] F. `. 2,50,001 & Above [ ]

27d. The year in which you borrowed?

A. 2001 – 2003 [ ] B. 2004 – 2006 [ ] C. 2007 – 2009 [ ]

D. 2010 – 2012 [ ]

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28.

Level of attitude in the following (Circle your response as 1. Completely unsatisfied

2. Unsatisfied 3. Just ok 4. Satisfied 5. Completely satisfied ):

1. Ability to Repayment of Debt 1 2 3 4 5

2. Access to Bio metric / ATM in your area 1 2 3 4 5

3. Advice on welfare benefits 1 2 3 4 5

4. Agri Gold Loan 1 2 3 4 5

5. Bank statement 1 2 3 4 5

6. Chalan Filling 1 2 3 4 5

7. Cheques 1 2 3 4 5

8. Credit card 1 2 3 4 5

9. Customer Service 1 2 3 4 5

10. Debit Card 1 2 3 4 5

11. Debt counseling centers from banks 1 2 3 4 5

12. Deposits 1 2 3 4 5

13. Direct Remittance 1 2 3 4 5

14. E - Banking 1 2 3 4 5

15. Educational loan 1 2 3 4 5

16. Financial counseling 1 2 3 4 5

17. Financial literacy 1 2 3 4 5

18. Insurance schemes 1 2 3 4 5

19. Investment advice 1 2 3 4 5

20. KCC, GCC etc. 1 2 3 4 5

21. KYC Norms 1 2 3 4 5

22. Locker facility 1 2 3 4 5

23. MGNREGS Remittances 1 2 3 4 5

24. Micro credit 1 2 3 4 5

25. Micro insurance 1 2 3 4 5

26. Mobile banking 1 2 3 4 5

27. No frills a/c usage 1 2 3 4 5

28. NEFT / RTGS 1 2 3 4 5

29. Over draft 1 2 3 4 5

30. Personal loan 1 2 3 4 5

31. F Protected from usurious rate of money lenders 1 2 3 4 5

32. B Redressing ability of the banker 1 2 3 4 5

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33. Relationship with bank officials 1 2 3 4 5

34. Satisfaction of BC/BF/USB model 1 2 3 4 5

35. Saving small amounts of money 1 2 3 4 5

36. SHG Bank linkage program 1 2 3 4 5

37. Support for numbers or arithmetic 1 2 3 4 5

38. B Support for taking a loan 1 2 3 4 5

39. C Support for various bankable products 1 2 3 4 5

40. A Support with how to operate a bank account 1 2 3 4 5

41. Take out a loan at reasonable interest 1 2 3 4 5

42. Taking a business loan 1 2 3 4 5

43. C Trustworthiness 1 2 3 4 5

44. Visit to the bank 1 2 3 4 5

45. With drawal 1 2 3 4 5

29. Awareness level on Financial services Before and After opening an a/c

(Circle your response as 1. Completely unsatisfied 2. Unsatisfied 3. Just ok 4. Satisfied 5.

Completely satisfied ):

Awareness level on Financial services Before After

1. Access to Bio metric / ATM 1 2 3 4 5 1 2 3 4 5

2. Agri Gold Loan 1 2 3 4 5 1 2 3 4 5

3. Agri loan 1 2 3 4 5 1 2 3 4 5

4. Balance enquiry 1 2 3 4 5 1 2 3 4 5

5. Business loan 1 2 3 4 5 1 2 3 4 5

6. Chalan Filling 1 2 3 4 5 1 2 3 4 5

7. Cheques 1 2 3 4 5 1 2 3 4 5

8. Credit card 1 2 3 4 5 1 2 3 4 5

9. Credit facility 1 2 3 4 5 1 2 3 4 5

10. Customer Service 1 2 3 4 5 1 2 3 4 5

11. Debit Card 1 2 3 4 5 1 2 3 4 5

12. Debt counseling 1 2 3 4 5 1 2 3 4 5

13. Deposits 1 2 3 4 5 1 2 3 4 5

14. Direct Remittance 1 2 3 4 5 1 2 3 4 5

15. E - Banking 1 2 3 4 5 1 2 3 4 5

16. Educational loan 1 2 3 4 5 1 2 3 4 5

xiii

17. Financial literacy 1 2 3 4 5 1 2 3 4 5

18. Insurance schemes 1 2 3 4 5 1 2 3 4 5

19. Interest rate 1 2 3 4 5 1 2 3 4 5

20. Investment advice 1 2 3 4 5 1 2 3 4 5

21. KCC, GCC etc 1 2 3 4 5 1 2 3 4 5

22. KYC Norms 1 2 3 4 5 1 2 3 4 5

23. Loan from SHG 1 2 3 4 5 1 2 3 4 5

24. Locker facility 1 2 3 4 5 1 2 3 4 5

25. MGNREGS 1 2 3 4 5 1 2 3 4 5

26. Micro credit 1 2 3 4 5 1 2 3 4 5

27. Micro insurance 1 2 3 4 5 1 2 3 4 5

28. No frills a/c usage 1 2 3 4 5 1 2 3 4 5

29. NEFT / RTGS 1 2 3 4 5 1 2 3 4 5

30. Numbers/Arithmetic 1 2 3 4 5 1 2 3 4 5

31. Operation of bank a/c 1 2 3 4 5 1 2 3 4 5

32. Over draft 1 2 3 4 5 1 2 3 4 5

33. Pass books 1 2 3 4 5 1 2 3 4 5

34. Personal loan 1 2 3 4 5 1 2 3 4 5

35. Redressing ability 1 2 3 4 5 1 2 3 4 5

36. Repayment of Debt 1 2 3 4 5 1 2 3 4 5

37. Satisfaction of BC/BF/USB 1 2 3 4 5 1 2 3 4 5

38. Savings 1 2 3 4 5 1 2 3 4 5

39. SHG Bank linkage 1 2 3 4 5 1 2 3 4 5

40. Trustworthiness 1 2 3 4 5 1 2 3 4 5

41. Visit to the bank 1 2 3 4 5 1 2 3 4 5

42. Welfare benefits 1 2 3 4 5 1 2 3 4 5

43. With drawal 1 2 3 4 5 1 2 3 4 5

Thanking You…

xiv

1. [ ] [ ] √ .

2. : 1. [ ] [ ] [ ]

2. [ ] [ ] [ ]

3. [ ] [ ] [ ]

3. : A. 18 – 30 [ ] B. 31 – 45 [ ] C. 46 – 60 [ ] D. 60 [ ]

4. A. [ ] B [ ] [ ]

5. A. [ ] B. [ ] C. [ ]

D. [ ] E. [ ]

6. A. [ ] B [ ]

C. [ ]

7. : A. 4 [ ] B. 5 8 [ ]

C. 8 [ ]

xv

8. A. [ ] B. [ ] C. [ ] D. [ ]

9. A. [ ] B. [ ]

C [ ] D. [ ]

10. A. [ ] B. [ ] C. [ ] D. [ ]

E. [ ] F. [ ]

11. : A. `. 25000 [ ] B. `. 25000 `. 50000 [ ]

C. `. 50001 `. 75000 [ ] D. `. 75001 `. 100000 [ ]

E. `. 100001 [ ]

12. ?

A. [ ] B. [ ]

13.

A. [ ] B. [ ]

C [ ] D. [ ]

E. [ ] F [ ]

G [ ] H. [ ]

I. [ ] J. [ ]

K. [ ] L [ ]

14.

A. 1 [ ] B. 2 – 3 [ ] C. 4 – 5 [ ] D. 5 [ ]

15.

A. [ ] B [ ]

C [ ] D [ ] E. [ ]

F [ ] A.

xvi

16.

A [ ] B. [ ] C

[ ] D [ ] E [ ]

F [ ] G [ ]

HH [ ]

17.

A [ ] B [ ] C [ ]

D [ ]

18.

A [ ] B [ ]

19.

A [ ] B

[ ] C [ ] D [ ]

E. [ ]

20.

A [ ] B [ ]

21.

A [ ] B [ ] C. [ ] D.

E [ ]

22.

A. [ ] B [ ]

xvii

23.

A [ ]

B

[ ] C. [ ] D [ ]

E [ ] F [ ]

24.

A (GRS) [ ] B [ ]

C [ ] D [ ]

E [ ]

25.

A [ ] B [ ]

C [ ]

D. [ ] E [ ]

26.

A [ ] B [ ] C [ ]

D [ ] E. [ ] F [ ]

27.

A. [ ] [ ]

A1 [ ] A2 [ ] A3 [ ]

A4. [ ] A5. [ ]

27a.

A. [ ] B. [ ] C. [ ]

D. [ ] E. [ ] F [ ]

27b. A [ ] B [ ]

C. [ ] D [ ] E [ ]

F [ ]

xviii

27c. ?

A. `. 50,000 & [ ] B. `. 50,001 `. 1,00,000 [ ]

C. `. 1,00,001 `. 1,50,000 [ ] D. `. 1,50,001 `. 2,00,000 [ ]

E. `. 2,00,001 `. 2,50,000 [ ] F. `. 2,50,001 [ ]

27d. ?

A. 2001 – 2003 [ ] B. 2004 – 2006 [ ] C. 2007 – 2009 [ ]

D. 2009 – 2012 [ ]

28.

:

1. A 1 2 3 4 5

2. C Bio metric / ATM 1 2 3 4 5

3. F 1 2 3 4 5

4. 1 2 3 4 5

5. 1 2 3 4 5

6. 1 2 3 4 5

7. A 1 2 3 4 5

8. 1 2 3 4 5

9. 1 2 3 4 5

10. C 1 2 3 4 5

11. D 1 2 3 4 5

12. 1 2 3 4 5

13. 1 2 3 4 5

14. 1 2 3 4 5

15. E 1 2 3 4 5

16. 1 2 3 4 5

17. 1 2 3 4 5

18. B 1 2 3 4 5

19. D 1 2 3 4 5

20. E KCC, GCC, etc., 1 2 3 4 5

21. A KYC 1 2 3 4 5

22. B 1 2 3 4 5

23. MGNREGS

xix

24. D 1 2 3 4 5

25. E 1 2 3 4 5

26. Mobile 1 2 3 4 5

27. H 1 2 3 4 5

28. NEFT / RTGS 1 2 3 4 5

29. 1 2 3 4 5

30. 1 2 3 4 5

31. 1 2 3 4 5

32. 1 2 3 4 5

33. 1 2 3 4 5

34. BC/BF/USB 1 2 3 4 5

35. 1 2 3 4 5

36. 1 2 3 4 5

37. 1 2 3 4 5

38. 1 2 3 4 5

39. 1 2 3 4 5

40. 1 2 3 4 5

41. 1 2 3 4 5

42. 1 2 3 4 5

43. 1 2 3 4 5

44. 1 2 3 4 5

45. 1 2 3 4 5

29.

:

1. Bio metric / ATM 1 2 3 4 5 1 2 3 4 5

2. 1 2 3 4 5 1 2 3 4 5

3. 1 2 3 4 5 1 2 3 4 5

4. 1 2 3 4 5 1 2 3 4 5

5. 1 2 3 4 5 1 2 3 4 5

6. 1 2 3 4 5 1 2 3 4 5

7. 1 2 3 4 5 1 2 3 4 5

8. 1 2 3 4 5 1 2 3 4 5

9. 1 2 3 4 5 1 2 3 4 5

10. 1 2 3 4 5 1 2 3 4 5

xx

11. 1 2 3 4 5 1 2 3 4 5

12. 1 2 3 4 5 1 2 3 4 5

13. 1 2 3 4 5 1 2 3 4 5

14. 1 2 3 4 5 1 2 3 4 5

15. 1 2 3 4 5 1 2 3 4 5

16. 1 2 3 4 5 1 2 3 4 5

17. 1 2 3 4 5 1 2 3 4 5

18. 1 2 3 4 5 1 2 3 4 5

19. 1 2 3 4 5 1 2 3 4 5

20. 1 2 3 4 5 1 2 3 4 5

21. KCC, GCC, etc., 1 2 3 4 5 1 2 3 4 5

22. KYC 1 2 3 4 5 1 2 3 4 5

23. 1 2 3 4 5 1 2 3 4 5

24. 1 2 3 4 5 1 2 3 4 5

25. MGNREGS 1 2 3 4 5 1 2 3 4 5

26. 1 2 3 4 5 1 2 3 4 5

27. 1 2 3 4 5 1 2 3 4 5

28. 1 2 3 4 5 1 2 3 4 5

29. NEFT / RTGS 1 2 3 4 5 1 2 3 4 5

30. 1 2 3 4 5 1 2 3 4 5

31. 1 2 3 4 5 1 2 3 4 5

32. 1 2 3 4 5 1 2 3 4 5

33. 1 2 3 4 5 1 2 3 4 5

34. 1 2 3 4 5 1 2 3 4 5

35. 1 2 3 4 5 1 2 3 4 5

36. 1 2 3 4 5 1 2 3 4 5

37. BC/BF/USB 1 2 3 4 5 1 2 3 4 5

38. 1 2 3 4 5 1 2 3 4 5

39. 1 2 3 4 5 1 2 3 4 5

40. 1 2 3 4 5 1 2 3 4 5

41. 1 2 3 4 5 1 2 3 4 5

42. 1 2 3 4 5 1 2 3 4 5

43. 1 2 3 4 5 1 2 3 4 5

…

xxi

LIST OF TABLES

Sl.No. Particulars Page

1 ANOVA with Tukey's Test for Nonadditivity xxiv

2 Hotelling's T-Squared Test xxiv

3 Intraclass Correlation Coefficient xxiv

4 Rotated Component Matrix xxv

5 ANOVA with Tukey's Test for Nonadditivity xxvi

6 Hotelling's T-Squared Test xxvi

7 Intraclass Correlation Coefficient xxvii

8 Rotated Component Matrix xxvii

9 ANOVA with Tukey's Test for Nonadditivity xxix

10 Hotelling's T-Squared Test xxix

11 Intraclass Correlation Coefficient xxix

12 Rotated Component Matrix xxx

13 ANOVA with Tukey's Test for Nonadditivity xxxii

14 Hotelling's T-Squared Test xxxii

15 Intraclass Correlation Coefficient xxxiii

16 Rotated Component Matrix xxxiii

17 ANOVA with Tukey's Test for Nonadditivity xxxv

18 Hotelling's T-Squared Test xxxv

19 Intraclass Correlation Coefficient xxxv

20 Rotated Component Matrix xxxvi

xxii

Table 1 : Anova with Tukey's Test for Nonadditivity for Bankers Views on

Financial Inclusion Initiatives

Sum of

Squares

df Mean

Square

F Sig

Between People 151.640 50 3.033

Within

People

Between Items 874.474 25 34.979 632.971 .000

Residual

Nonadditivity 8.299a 1 8.299 11.796 .001

Balance 878.689 1249 .704

Total 886.988 1250 .710

Total 1761.462 1275 1.382

Total 1913.101 1325 1.444

Grand Mean = 3.9532

a. Tukey's estimate of power to which observations must be raised to achieve additivity

= -.139.

Table 2 : Hotelling's T-Squared Test for Bankers Views on Financial Inclusion

Initiatives

Hotelling's T-Squared F df1 df2 Sig

2935.938 61.068 25 26 .000

Table 3 : Intraclass Correlation Co-efficient for Bankers Views on Financial

Inclusion Initiatives

Intraclass

Correlationb

95% Confidence

Interval

F Test with

True Value 0

Lower Bound Upper

Bound

Value df1 df2 Sig

Single Measures .112a .070 .178 4.274 50 1250 .000

Average

Measures .766

c .663 .850 4.274 50 1250 .000

Two-way mixed effects model where people effects are random and measures effects

are fixed.

a. The estimator is the same, whether the interaction effect is present or not.

b. Type C intraclass correlation coefficients using a consistency definition-the between-

measure variance is excluded from the denominator variance.

c. This estimate is computed assuming the interaction effect is absent, because it is not

estimable otherwise.

xxiii

Table 4 : Rotated Component Matrix for Bankers Views on Financial Inclusion

Initiatives

Component

1 2 3 4 5 6 7 8

The bank strictly follows the service area

approach .340 .260 .258 -.097 -.150 .045 .319 .646

The bank offers financial literacy

programme such as arithmetic, writing,

reading, operating bank a/c .104 .493 .069 .120 .118 -.007 .607 .222

The bank offers no-frills a/c to the

individual who are BPL .380 -.037 -.096 .230 -.077 -.096 .735 -.098

The bank provides KCC / GCC / OD

facilities to customers .023 .220 .168 -.025 .808 -.027 .097 -.035

The bank has appointed BC/BF/USB in its

service area -.003 .092 .155 .807 -.128 -.181 .108 -.086

The bank provides Educational loan to

students -.038 .074 -.118 -.044 .148 .846 .052 .018

The bank provides Vehicle loan to the

customers .912 -.026 .070 .052 .023 -.089 .083 .155

The bank provides Personal loan to the

customers .704 -.039 -.075 -.155 .014 .287 .035 -.227

The bank provides Crop loan to the

customers -.926 -.067 -.039 -.131 .014 .099 -.095 -.060

The bank provides Business loan to the

customers .826 .056 .232 .105 -.045 -.070 .058 .085

The bank strictly follows on the KYC

norms .000 -.220 .052 -.032 .304 .091 .675 -.146

The bank offers Insurance/Pension

products -.026 -.075 -.269 -.213 .232 -.677 .130 .185

The bank regularly conducts Awareness

programme on Money Management -.034 .913 .084 .028 .092 .087 .046 .110


programme on Debt Counseling .080 .868 .031 .085 .203 .070 -.070 -.177


programme on Financial Knowledge .045 .872 .143 .082 .158 .089 -.059 -.018

The bank offers Debit Card facilities to all

eligible bank customers .213 .287 .335 .560 .090 -.002 -.237 -.040

The bank has Automatic Teller Machine

facilities in its service area .565 .199 -.217 .287 .150 .438 .093 -.027

The bank has Bio-metric ATM facilities

to its rural customers .194 -.149 -.063 .680 .105 .281 .111 .040

The bank remits payment for

MGNREGS/any other government

remittances to the customers immediately -.148 .178 .206 .605 .440 .169 .282 -.018

xxiv

Customers can borrow from the bank

without any hassle -.044 .206 .507 .043 .253 .533 .064 .131

The bank has good Customer Relationship

Management -.037 .234 .365 .159 .733 .112 .117 .191

The bank instructs their customers about

their right on using banking services .012 .160 .697 .148 .198 .237 .067 .350

The bank redresses grievances if any to its

customers .001 .146 .803 .173 .331 -.055 .034 -.008

The bank has covered all the households

with a bank a/c in its service area .128 .250 .138 .498 .489 .234 -.003 .136

The bank offered more Agri Gold Loan

rather than ordinary loan to the farmers -.026 -.170 -.051 -.019 .159 -.096 -.248 .796

The bank offers E – Banking/

NEFT/RTGS/Net Banking/E – Payment

to the customers .173 -.020 .901 .062 .036 -.060 -.051 -.107

Extraction Method: Principal Component Analysis.

Rotation Method: Varimax with Kaiser Normalization.

a. Rotation converged in 10 iterations.

Table 5 : ANOVA with Tukey's Test for Nonadditivity for Business Correspondents

Views on Financial Inclusion Initiatives

Sum of

Squares

df Mean

Square

F Sig

Between People 212.433 49 4.335

Within

People

Between Items 206.133 26 7.928 449.062 .000

Residual

Nonadditivity 47.887a 1 47.887 177.873 .000

Balance 342.720 1273 .269

Total 390.607 1274 .307

Total 596.741 1300 .459

Total 809.173 1349 .600

Grand Mean = 4.5156

a. Tukey's estimate of power to which observations must be raised to achieve additivity

= 6.487.

Table 6 : Hotelling's T-Squared Test for Business Correspondents Views on



64311449778774248.000 1211518677151163.200 26 24 .000

xxv

Table 7 : Intraclass Correlation Co-efficient for Business Correspondents Views on


Intraclass

Correlationb

95% Confidence

Interval

F Test with

True Value 0

Lower

Bound

Upper

Bound

Value df1 df2 Sig

Single

Measures .327

a .245 .439 14.140 49 1274 .000

Average

Measures .929

c .898 .955 14.140 49 1274 .000


are fixed.






Table 8: Rotated Component Matrix for Business Correspondents Views on


Component

1 2 3 4 5 6

The bank strictly follows the service area approach .320 -.068 .887 .058 .006 -.087

The bank offers financial literacy programme such as

arithmetic, writing, reading, operating bank a/c .769 .178 -.260 .128 .449 .186

The bank offers no-frills a/c to the individual who

are BPL .645 -.033 .577 -.099 -.226 -.128

The bank provides KCC / GCC / OD facilities to

customers .195 -.081 -.088 .049 -.058 -.640

The bank provides Educational loan to students .938 .047 -.147 -.037 -.115 -.083

The bank provides Vehicle loan to the customers .943 .047 .173 -.016 -.020 -.082

The bank provides Personal loan to the customers .940 .037 .175 .015 -.048 -.064

The bank provides Crop loan to the customers .945 .045 .175 .002 -.042 -.097

The bank provides Business loan to the customers .937 .040 .240 .034 .047 .034

The bank strictly follows on the KYC norms -.101 -.113 -.045 -.007 .173 -.607

The bank offers Insurance/Pension products .772 .117 .259 -.024 .181 .140

The bank regularly conducts Awareness programme

on Money Management .786 .132 .369 .120 .405 .022

xxvi


on Debt Counseling .786 .132 .369 .120 .405 .022


on Financial Knowledge .786 .132 .369 .120 .405 .022

The bank concentrates on Brick and Mortar branches

rather than Ultra Small Branches in rural areas .423 .689 .115 -.272 -.055 -.049

The bank offers Debit Card facilities to all eligible

bank customers .436 .007 .678 .101 .235 .272

The bank has Automatic Teller Machine facilities in

its service area .113 -.162 -.102 .064 .085 .602

The bank remits payment for MGNREGS/any other

government remittances to the customers

immediately -.152 -.168 -.053 .850 -.087 -.031

Customers can borrow from the bank without any

hassle -.169 .656 .309 .401 -.321 .101

The bank has good Customer Relationship

Management .048 .351 .148 .734 -.082 -.032

The bank instructs their customers about their right

on using banking services .304 -.072 .049 .806 .167 .113

The BC/BF/USB nurtures the habit of Debt

Repayment .182 .780 -.035 .349 .153 -.012

The bank redresses grievances if any to its customers .113 .853 -.221 -.245 -.017 .059

The bank has covered all the households with a bank

a/c in its service area .499 .144 .501 .167 .582 .203

The bank offered more Agri Gold Loan rather than

ordinary loan to the farmers .820 .403 .182 .153 .155 .136

The bank offers E – Banking/ NEFT/RTGS/Net

Banking/E – Payment to the customers .721 .008 .062 -.036 .307 .176

The BC/BF/USB holds Goodwill and

Trustworthiness among its service area customers -.094 .301 -.011 .239 -.510 .312




xxvii

Table 9 : ANOVA with Tukey's Test for Nonadditivity for Attitude of the Residents

on Financial Inclusion

Sum of

Squares

df Mean

Square

F Sig

Between People 5942.820 508 11.698

Within

People

Between Items 870.269a 44 19.779 756.609 .000

Residual

Nonadditivity 8.429b 1 8.429 7.572 .006

Balance 24881.701 22351 1.113

Total 24890.131 22352 1.114

Total 25760.400 22396 1.150

Total 31703.220 22904 1.384

Grand Mean = 3.1207

a. Kendall's coefficient of concordance W = .027.

b. Tukey's estimate of power to which observations must be raised to achieve additivity

= .397.

Table 10: Hotelling's T-Squared Test for Attitude of the Residents on Financial

Inclusion


700.039 14.563 44 465 .000

Table 11: Intraclass Correlation Co-efficient for Attitude of the Residents on

Financial Inclusion

Intraclass

Correlationb

95% Confidence

Interval

F Test with True Value 0

Lower

Bound

Upper

Bound

Value df1 df2 Sig

Single

Measures .174

a .156 .196 10.506 508 22352 .000

Average

Measures .905

c .893 .916 10.506 508 22352 .000


are fixed.






xxviii

Table 12: Rotated Component Matrix for Attitude of the Residents on Financial

Inclusion

Component

1 2 3 4 5 6 7 8 9 10 11 12

Ability to

Repayment of

Debt

.110 -.012 .144 .132 .071 -.065 -.048 .664 -.045 .128 .070 -.054

Access to Bio

metric / ATM in

your area

.066 .113 .062 -.107 .059 .070 .169 .620 .345 -.188 .075 .176

Advice on welfare

benefits .166 .123 .162 .086 .215 .013 .062 .159 -.051 -.004 .569 .095

Agri Gold Loan .094 .183 .150 .235 .182 .002 .319 .130 -.041 .073 .248 .324

Bank statement .075 .004 .194 .148 .118 .299 -.157 .000 .108 .059 .042 .683

Chalan Filling .045 .063 .076 .148 .583 .183 .100 .023 .069 .088 .102 .140

Cheques .101 .037

-

.090 .022 .609 .204 .125 .227 .171 .019 -.108 .185

Credit card .191 .017 .144 .081 .669 .024 .041 .026 .082 .041 .111 -.130

Customer Service .266 .044 .196 .238 .322 .163 -.066 .037 .070 .091 .258 .060

Debit Card .042 .099 .210 .071 .174 .548 -.035 -.044 .103 .121 .077 .150

Debt counseling

centers from

banks

.084 .145 .121 .218 .259 .567 .098 -.030 -.243 .013 .099 -.117

Deposits .187 .031 .047 .028 .054 .690 .207 .091 .155 -.018 -.060 .140

Direct Remittance

.063 -.193 -

.078 .305 .132 .313 .371 .146 .137 .354 .073 .062

E - Banking .018 .125 .142 -.064 .095 .151 .696 -.116 .068 .097 .118 -.126

Educational loan .218 .145 .277 .165 .128 .050 .530 .208 .015 .023 -.053 -.001

Financial

counseling .111 .196 .571 .124 -.027 .136 .125 .055 -.067 -.183 .020 .075

Financial literacy .143 .120 .551 .240 -.128 .219 .143 .137 -.101 .143 -.071 -.010

Insurance schemes .092 -.120 .397 .209 .118 .129 .044 .112 .453 .059 .156 -.091

Investment advice .119 .025 .566 -.031 .235 -.026 .090 .078 .056 .073 .116 .199

KCC, GCC etc. .060 .356 .435 -.173 .207 -.092 .164 -.083 .070 .214 .002 .248

KYC Norms .094 .448 .217 -.091 .290 -.060 .171 -.168 .054 .340 -.060 .154

xxix

Locker facility .130 .132 .064 .149 .096 .043 .135 .047 .002 .725 .034 .078

MGNREGS

Remittances .034 .657 -

.100 .045 .142 .111 .271 .045 .014 .147 .003 .101

Micro credit .039 .657 .190 .266 .002 -.030 .001 .133 -.019 .109 .034 -.086

Micro insurance .120 .669 .148 .111 -.018 .158 -.095 .059 .145 -.123 .133 -.019

No frills a/c usage .030 .116 .452 .084 .146 .148 -.071 .043 .302 .171 .144 -.159

NEFT / RTGS .123 .457 .351 -.045 -.059 .087 .162 -.275 .206 .008 .373 -.101

Over draft .386 .221

-

.064 -.025 -.039 .268 .183 -.013 .196 .137 .369 .029

Personal loan

.527 .104 -

.008 .197 .210 .109 .044 .016 -.030 .063 .087 .303

Protected from

usurious rate of

money lenders

.413 .029 .168 .440 .217 .052 .070 -.045 -.077 .005 .057 .045

Redressing ability

of the banker .245 .208 .028 .487 .243 .040 .044 -.047 .036 -.032 .322 -.061

Relationship with

bank officials .127 .200 .279 .354 .183 .196 .064 -.013 .168 .004 -.058 -.309

Satisfaction of

BC/BF/USB

model

.250 .386 .296 .129 -.230 .064 .196 -.199 .181 -.118 .185 .069

Saving small

amounts of money .276 .078 -

.029 .285 .178 .271 .009 .418 -.006 .144 -.088 -.070

SHG Bank

linkage program .113 .140 -

.006 .623 .079 .043 .157 .117 .146 .149 -.174 .046

SMS banking .050 .245

-

.070 .144 .205 .097 .022 .100 .634 .055 -.022 .054

Support for

numbers or

arithmetic

.310 .052 .183 .240 .072 -.169 .224 -.200 .448 -.030 -.199 .193

Support for taking

a loan .481 .017 .106 .295 .123 .041 .079 -.033 .233 .045 .126 .056

Support for

various bankable

products

.590 .140 .191 .021 .130 -.078 .161 .006 .055 -.150 .158 -.109

xxx

Support with how

to operate a bank

account

.411 .334 .195 .075 .239 .140 -.034 .072 .020 -.077 -.356 -.013

Take out a loan at

reasonable interest .356 .106 .215 .337 .111 .202 -.142 .098 .085 -.057 -.132 .052

Taking a business

loan .140 .050 .109 .609 -.035 .108 -.092 .097 .130 .090 .181 .145

Trustworthiness .548 .009 .074 .070 .036 .142 -.090 .299 .029 .244 .118 .012

Visit to the bank .567 .027 .046 .170 -.020 .116 .166 .180 -.010 .284 -.062 .030

With drawal .439 .010 .097 .042 .037 .256 -.210 .145 .240 .431 .047 -.208




Table 13: ANOVA with Tukey's Test for Nonadditivity for Awareness of the

Residents on Before Financial Inclusion Initiatives

Sum of

Squares

df Mean

Square

F Sig

Between People 7037.396 488 14.421

Within

People

Between Items 219.423a 42 5.224 254.903 .000

Residual

Nonadditivity 8.421b 1 8.421 9.889 .002

Balance 17451.459 20495 .851

Total 17459.880 20496 .852

Total 17679.302 20538 .861

Total 24716.699 21026 1.176

Grand Mean = 2.5990


b. Tukey's estimate of power to which observations must be raised to achieve additivity

= .120.

Table 14: Hotelling's T-Squared Test for Awareness of the Residents on Before



161.360 3.519 42 447 .000

xxxi

Table 15 : Intraclass Correlation Co-efficient for Awareness of the Residents on

Before Financial Inclusion Initiatives

Intraclass

Correlationb

95% Confidence

Interval

F Test with True Value 0

Lower

Bound

Upper

Bound

Value df1 df2 Sig

Single

Measures .270

a .245 .299 16.929 488 20496 .000

Average

Measures .941

c .933 .948 16.929 488 20496 .000


are fixed.






Table 16: Rotated Component Matrix for Awareness of the Residents on Before


Component

1 2 3 4 5 6 7

Access to Bio metric / ATM .068 .291 .125 .179 .546 .116 -.165

Agri Gold Loan .105 .388 .148 .268 .074 -.278 .380

Agri loan -.054 .452 .202 .311 .094 -.041 .377

Balance enquiry .277 .413 .142 .038 -.011 .019 .272

Business loan .276 .564 .091 .033 .010 .140 .197

Chalan Filling .186 .432 .240 .264 .265 .081 -.112

Cheques .208 .445 .062 .463 .300 -.018 .029

Credit card .104 .529 .099 .249 .300 .058 .074

Credit facility .099 .623 .131 .116 .025 .139 .220

Customer Service .293 .614 .074 .066 .096 .244 -.079

Debit Card .086 .440 .148 .203 .345 .184 .044

Debt counseling .173 .483 .140 .261 .080 .227 .157

Deposits .195 .138 .090 .054 .698 -.073 .306

Direct Remittance .218 .110 -.006 .226 .623 .187 .122

xxxii

Component

1 2 3 4 5 6 7

E - Banking -.020 -.125 .443 .127 .531 .065 .162

Educational loan .132 .195 .192 .188 .315 .295 .377

Financial literacy .302 .350 .238 -.074 .155 .281 .214

Insurance schemes .200 .318 .109 -.095 .304 .345 .425

Interest rate .161 .159 -.001 .246 .219 .311 .520

Investment advice .314 .220 .259 -.012 .255 .254 .256

KCC, GCC etc .113 .084 .620 .232 .181 -.072 .065

KYC Norms .041 .107 .640 .318 .230 -.021 -.049

Loan from SHG .147 .187 .175 .614 .064 .146 .181

Locker facility .111 .117 .122 .538 .324 .223 .006

MGNREGS .276 .135 .583 .115 .143 .095 .052

Micro credit .069 .210 .472 .091 -.040 .233 .416

Micro insurance .190 .274 .411 .006 .019 .336 .147

No frills a/c usage .160 .206 .160 .104 -.005 .637 .157

NEFT / RTGS .166 .142 .687 -.028 -.019 .179 .171

Numbers/Arithmetic .270 .163 .164 .267 .174 .333 .180

Operation of bank a/c .194 .087 .131 .237 .143 .599 .003

Over draft .193 .118 .207 .307 .236 .419 .103

Pass books .197 .184 .144 .569 .087 .147 .151

Personal loan .442 .107 .131 .179 .168 .042 .420

Redressing ability .448 .162 .187 .211 .026 .147 .420

Repayment of Debt .546 .144 .167 -.053 .081 .217 .130

Satisfaction of BC/BF/USB .136 .173 .616 .021 -.010 .306 .022

Savings .551 .043 .062 .288 .065 .177 .248

SHG Bank linkage .411 .189 .067 .390 .123 .055 .160

Trustworthiness .631 .264 .044 .209 -.022 .287 .023

Visit to the bank .572 .013 .048 .395 .209 .026 -.005

Welfare benefits .651 .303 .201 .074 .135 .008 -.013

With drawal .606 .202 .216 .077 .136 .115 .035




xxxiii

Table 17: ANOVA with Tukey's test for Nonadditivity for Awareness of the

Residents on after Financial Inclusion Initiatives

Sum of

Squares

df Mean

Square

F Sig

Between People 5809.398 505 11.504

Within

People

Between Items 294.268a 42 7.006 334.662 .000

Residual

Nonadditivity 28.677b 1 28.677 33.120 .000

Balance 18363.939 21209 .866

Total 18392.616 21210 .867

Total 18686.884 21252 .879

Total 24496.282 21757 1.126

Grand Mean = 3.6306


b. Tukey's estimate of power to which observations must be raised to achieve additivity = 3.193.

Table 18: Hotelling's T-Squared Test for Nonadditivity for Awareness of the

Residents on After Financial Inclusion Initiatives

Hotelling's T-

Squared

F df1 df2 Sig

215.269 4.709 42 464 .000

Table 19: Intraclass Correlation Co-efficient For Nonadditivity for Awareness of the

Residents on After Financial Inclusion Initiatives

Intraclass

Correlationb

95% Confidence

Interval

F Test with True

Value 0

Lower

Bound

Upper

Bound

Value df1 df2 Sig

Single

Measures .222

a .200 .247 13.266 505 21210 .000

Average

Measures .925

c .915 .934 13.266 505 21210 .000

Two-way mixed effects model where people effects are random and measures effects are fixed.


b. Type C intraclass correlation coefficients using a consistency definition-the between-measure

variance is excluded from the denominator variance.

c. This estimate is computed assuming the interaction effect is absent, because it is not estimable

otherwise.

xxxiv

Table 20: Rotated Component Matrix for Awareness of the Residents on After


Component

1 2 3 4 5 6 7 8 9 10

Access to Bio metric / ATM .042 .061 .121 .087 .012 -.123 .319 -.139 .686 -.004

Agri Gold Loan .088 .117 .144 .147 .124 .060 .743 .110 .082 .106

Agri loan .236 .135 .053 .112 .144 .242 .628 .080 .151 .045

Balance enquiry .159 .241 .075 .400 .119 -.087 .392 .321 -.022 -.039

Business loan .288 .170 .179 .471 -.085 .063 -.015 .216 .115 .084

Chalan Filling .185 .094 .048 .166 .085 .093 -.012 .129 .094 .664

Cheques -.108 .014 .125 .251 .132 .162 .288 .072 .134 .551

Credit card .013 .025 .102 .602 .042 .386 .171 -.041 .064 .039

Credit facility .162 .152 .238 .611 .057 .117 .118 .071 .045 .068

Customer Service .227 .209 .150 .537 .009 -.015 .053 .036 .059 .281

Debit Card .122 .151 .032 .497 .327 -.079 .031 .090 .184 .244

Debt counseling .282 .138 .291 .279 -.076 .242 .251 .198 -.126 .119

Deposits .105 .040 .060 .092 .080 .161 .007 .094 .701 .093

Direct Remittance -.117 .113 .195 .026 -.029 .350 -.077 .180 .549 .153

E - Banking .009 .028 -.102 .125 .403 .322 -.046 .467 .255 -.099

Educational loan .066 .079 .244 .110 .154 .059 .168 .632 .037 .158

Financial literacy .527 .166 .091 .205 .025 .043 -.001 .250 .185 .082

Insurance schemes .341 .078 .461 .090 .120 .007 .079 .080 .323 .046

Interest rate .044 .054 .655 .165 .026 .154 .062 .063 .209 .115

Investment advice .231 .249 .450 .138 .234 .044 .052 .201 .182 -.143

KCC, GCC etc .269 .089 .141 .023 .687 -.023 .145 .050 .083 .050

KYC Norms .178 .012 .060 -.005 .761 .191 .127 .024 .035 .111

Loan from SHG .169 .143 .154 .076 .085 .558 .112 .108 .048 .131

Locker facility .186 .092 -.029 .098 .097 .638 .037 .058 .181 .101

MGNREGS .338 .105 .077 .131 .470 .162 .007 .171 -.077 .046

Micro credit .545 .044 .309 .190 .242 .103 .198 .078 -.044 .027

Micro insurance .545 .073 .378 .083 .138 .226 .202 -.008 .014 -.030

No frills a/c usage .400 .130 .286 .189 .104 .080 -.050 .280 -.001 -.170

NEFT / RTGS .635 .046 -.011 .160 .320 -.071 .141 .143 .004 .085

Numbers/Arithmetic .436 .102 -.063 .009 .007 .033 .286 .476 .060 .271

xxxv

Component

1 2 3 4 5 6 7 8 9 10

Operation of bank a/c .303 .152 .169 .057 -.007 .191 .043 .524 .015 .034

Over draft .420 .118 .145 -.108 .094 .330 .266 .151 .008 .104

Pass books -.088 .273 .254 .150 .221 .396 .136 .150 -.061 .027

Personal loan .001 .325 .356 .100 .219 .004 .159 .284 -.074 .213

Redressing ability .212 .187 .539 .278 .074 -.039 .142 .150 -.014 .073

Repayment of Debt .163 .460 .228 .146 .017 .093 .149 .145 .131 -.006

Satisfaction of BC/BF/USB .653 .173 .044 .146 .246 .138 .003 -.063 .045 .057

Savings .230 .237 .444 .053 -.057 .043 -.054 .061 .146 .347

SHG Bank linkage -.023 .204 .436 .088 .073 .239 .072 -.036 -.055 .458

Trustworthiness .262 .629 .169 .073 -.118 .099 .122 .014 .098 .161

Visit to the bank .104 .603 -.005 -.068 .065 .220 .250 -.002 .083 .266

Welfare benefits .069 .698 .100 .305 .120 .123 .072 -.009 .013 .003

With drawal .052 .686 .103 .137 .120 .005 -.081 .194 .002 -.009




financial inclusion initiatives of commercial banks in...

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