Annexure-i: World Bank Data on Financial Inclusion across Formal Financial Services Indicators World Developing India economies Population (millions)

Transcription

1 Annexure-i: World Bank Data on Financial Inclusion across Formal Financial Services Indicators World Developing India economies Population (millions) 6, ,224.6 GNI per capita ($) 9, ,270 Account at a Formal Financial Institution All adults (%, age 15+) Male adults (%, age 15+) Female adults (%, age 15+) Young adults (%, ages 15 24) Older adults (%, age 25+) Adults with a primary education or less (%, age 15+) Adults with a secondary education or more (%, age 15+) Adults in income quintiles I (lowest) and II (%, age 15+) Adults in income quintiles III, IV, and V (highest) (%, age 15+) Adults living in a rural area (%, age 15+) Adults living in an urban area (%, age 15+) Access to Formal Accounts (%, age 15+) 0 deposits/withdrawals in a typical month (% with an account) deposits in a typical month (% with an account) deposits in a typical month (% with an account) deposits in a typical month (% with an account) withdrawals in a typical month (% with an account) withdrawals in a typical month (% with an account) withdrawals in a typical month (% with an account) ATM is the main mode of deposit (% with an account) Bank teller is the main mode of deposit (% with an account) Bank agent is the main mode of deposit (% with an account) ATM is the main mode of withdrawal (% with an account) Bank teller is the main mode of withdrawal (% with an account) Bank agent is the main mode of withdrawal (% with an account) Has debit card Use of Formal Accounts (%, age 15+) Use an account for business purposes Use an account to receive wages Use an account to receive government payments Use an account to receive remittances Use an account to send remittances Mobile Payments (%, age 15+) Use a mobile phone to pay bills Use a mobile phone to send money Use a mobile phone to receive money Savings (%, age 15+) Saved any money in the past year Saved at a formal financial institution in the past year Saved using a savings club in the past year Saved for future expenses in the past year Saved for emergencies in the past year Credit (%, age 15+) Loan from a formal financial institution in the past year Loan from family or friends in the past year Loan from an informal private lender in the past year Outstanding loan to purchase a home Outstanding loan for home construction Outstanding loan to pay school fees Outstanding loan for health or emergencies Outstanding loan for funerals or weddings Insurance (%, age 15+) Personally paid for health insurance Note: Low- and middle-income economies are sometimes referred to as developing economies. Source: Compiled from Demirguc-Kunt, Asli and Leora Klapper, Measuring Financial Inclusion: The Global Findex Database. World Bank Policy Research Working Paper 6025, World Bank, Washington, D.C.; pppp2, 9, 12, 74

2 Annexure- ii Number of Households covered by the financial inclusion products (i.e. NF a/cs, KCC & GCC) in identified districts of Assam (As on March 2010) Sl Name of Lead No.of No. of no-frills No.of GCC No. of KCC H/hold % No District Bank households a/cs opened issued issued covered 1 Bongaigaon SBI Karbi Anglong SBI N C Hills SBI Chirang SBI Baska* SBI Udalguri SBI Barpeta UCO Goalpara UCO Lakhimpur UBI Golaghat UBI Nagaon UBI Total * Data not submitted by district. Source: SLBC report of quarter ending March 2010

3 Annexure iii Villages covered up to Mar 11 by SBI under the Financial Inclusion initiative Sl No. District Name of the villages covered by SBI 1 Barpeta Gunialguri, Kumulia Para, Bhatnapaity Char N.C.Tenga Gaon, Ujirar Char, Baniara Para, Kaljar, Maj Gaon, Suk- Manah(Sukumar), Jakhlibilar Pathak, Bilasipara Pathar, Chomua Gati, Kawaimari Karagiri, Borbori Gaon. 2 Darrang Duliapara, Jangalpara and N.C.Gasbari 3 Dhubri Kkaruabanda, Dharamsala ptiv, Nayaralga, Balajan, Lakhimari Part-III, Kazaikhola Pt.VI, Boro Charaikhola, Bhimapara, Fakamari pt-ii, Fakamari 1, Uttar Tokerechera pt-1, Silghagri pt.1, Gutipara pt.iv, Kheksialy, Dakhin Tokerechara, Kachuar Khas pt.1, Roghupara, Bisaindai ptiii, Kaimari Pt.1, Kaimari Pt.II, Kaimari Pt.V, Debattar Hasdaha pt-v, Dakhin Khchakhana, Khanabarianiani pt.ii, Khanabari Poneorain, Bhagdahar, Borbila Pt.1, Gutipara pt.iii, Gutipara pt.v, Kazaikata pt.v, Nayaralga pt-ii, Boyjer Alga pt.ii, Silbari, Kismat Hasdaha Pt.III, Kismat Hasdaha Pt. II, Barundanga, Jangila, Kolapakani Pt.II, Salmara Pt. V, Suapata Pt.II, Fulerchar Pt- III, Fulerchar Pt.IV, Fulerchar Pt.II, Chinamari, Pecherkandi, Manullapara, ChagaliaiI, Chagolia II, Purni. 4 Goalpara Simlabari, Gumaijhar, Jaybhum and Kal Pani Chandmari, Garojan. 5 Golaghat Diffloo Pathar, Dakhin Dolijalia, Missamora Bagicha, Gomariguri, No. 1 Negheriting Grant, Lakhijuri and Khonikor, Merapani f.v., Baroghoria, Kathoni Tea Estate. 6 Jorhat No. 44 Turung Grant, Dhekiajuli T.E., No.3 Block, Chouding Gaon, Bibejan Gaon, Kachukheti Lakhera, Hazari Gaon, Borholla T.E., Bahfalla Gaon, Porbotia Gaon, Bhatemora Gaon, Nowsolia Gaon, Bali Chapari Gaon, 2 Kawoimari Gaon, Maleng Grant Gaon, Bhokat Gaon, Borsoycotta Grant, Kharikatia Grant, Halfmile Bell Teok Grant, Nagdholi, 264 Grant, Chouding Gaon No Kamrup Santola, Bondapara, Bargaon, Na-para Pacharia and Dakuapara, Athagaon, Panchim Dadora, Dhopguri, Nalbari F.V., Jaji Gaon, Barduar Tea Garden No2, Sanpara, Jatia Bhangra, Dhulabari, Mergand, Udian, 1 No. Singimari, Niz Kurbah, Bihapara, Bihapara.Pubpar Jati Bhangra. 8 Kamrup Maloibari Jangal, Amingaon and Amsing. Metro 9 Karbi Nambar Bagan and Hallo Khuwa. Anglong 10 Karimganj Badarpur, Zerjheril, Hataiyerbond, Kankalash pt1, Kankalash pt11, Basail, Mahakal pt.i, Mahakal pt.ii, Farampasha pt II, Lamajuar, Loharpara Pt-II, Mosli Pt-1, Mirjapur Pt 1, Loharpara Pt-III, Farampasha PtI, Kanikhai F.V., Old Solamona. 11 Kokrajhar Babubil, Bhairiguri, Nepalpara Joypur, Harbhanga. 12 Lakhimpur No. 1 Barchala, No2 Barchala, Pandhowa, Kumarkata, Kamala Barai, Maghuli Bargola, Dihingia Gossain khat. 13 Sonitpur No.4 Singari Bagan Gaon, Bhir Gaon, Singari Bankgali Gaon, Lakhpura Gaon, No2 Tarajuli, No.1 Sonajuli T.E., No. 2 Dhendal T.E., Parowa Gaon., Gutlong Gaon, Hari Gaon, Saikia Chuburi Dekar, Gatanga Kahdol, Deka Chuburi Kudar. 14 Tinsukia Philobari T.E.(Dar No.2) pt-1, Chapakhowa, Mankhowa Gaon, Kakapathar Town and Matie Khana Gaon, Bes Kupi T.E. 8 No. L.C., Katchujan Te.No.236, Daidam T.E.38WI, Daidam T.E. 135/138 WI, Bozaloni TE 8/6119 NLR, Bojal Gaon. 15 Morigaon Burha Buri, Kuranibori, Barangabari. 16 Nagaon Rangalu Basti, Bengeneati, Kawoimari, Mauzadar Gaon, Hariamukh, Sarkey Bosti, Udali Gaon, Borpeta, Dighaldari, Dakhin Bidyanagar, Ranga Gara Huzz, Kandhuli Mari No.1, Kandhuli Mari No. 2, Bogabil, Sonaribail, Kanuamari, Tekii Pota Dighali Ati, Gopal Nagar, Sibpur No.1, Barbheti, Bilatia, Nakhuti PRF, Pub Mukunda Ati, Simlaguri, Sing Gaon, Borpukhuri, Khring Khring No.1, Mahkhuti, Khairamari, Barjarani(Borjoroni), Jutang Basti, Pub Udali, Ghilani, Sing Gaon, No. 1 Gagalmari, Sonaribali, Sabajpur, Pub Bandar Mala, Akchak Pathar, Cherenghi Pathar. 17 Sibsagar Naphuk Gaon, Abhoypuria Gaon, Mathurapur Grant, Barbam Grant, Jugal Gaon, Dlakakhoria Bam, Na-pam Baroki, Hulang Katoni, Roja Bheta Lakhimijam, Pahuchngi Deodha, Garmu Miri, Hatimuri, Naharhabi Grant and Aideubari Bagicha Grant, Naphuk Grant, Gohain Gaon, Kanu Gaon No.6, Hatimuria Gharphalia, Bheloguri Dubi Lakwa, 159 No. Grant, Towkok Grant No. 1, Towkok Grant No. 2, Hudupora, Hatsoi Grant-II, Hatsoi Grant-I, Bokopukhuri Habi, Lengibor Grant, Maibela Grant Elec.PMothura Pur Jungle, Chetia Changmai, Namit Grant, No.2 Konwer Gaon, Simolu Guri Town, Chutia, Geleki Grant No. 1, Hatipoti Grant, Lahon, Teok Gaon, Raidongia Na-Kachari. 18 Nalbari Khudra Makhibaha, Hari Bhanga and Bhojkuchi. Raimadha, Arrangmow, Basarkuchi, Mugkuchi, Ranakuchi, Bari. 19 Baksa Bhukuamari, Kaimari, Banmaja pathat, Athiabari, Belguri Pathar, Bargaon, Sripur Deur, Uttarkuchi. 20 Dibrugarh Filnguri Grant 4/155, Kandulibari Grant 4, Dighalibari, Kanjikhowa, Hoogrijan T.E. 116/64, Bijulibari T.E., Duliajan No. 2, Teloijan Darkhsta No. 25, Dikhari 119 No Fs 144/ Chirang Jharbispani, Kukumari Pt-I, Dhaligaon, Runikhata, Duttapur F/Block, Salbari F/Block. 22 Cachar Kumbha T.E., Islamabad, Sildubi Grant, Elanpur, Narsingpur Pt-I, Nagdigram Pt-III, Nagdigram Pt-I, Nutan Kanchanpur, Lclever House, Derby T.E., Kumbhirgram T.E., Kajidahar Pt-II, Kajidahar Pt-I, Kajidahar Pt-III, Boro Shalganga T.E.. 23 Hailakandi Lakshinagar Pt-II, Borbond Pt-II, Bondurmara Grant, Sudorsonpur Pt III, Bongalnagar Grant, Monachura Grant, Paikan, Sudarshanpur Pt-II. 24 Bongaigaon Jelkajhar, Dumuriguri Pt-III, Piradhara, Dumuria Pt-I, Borpathar, Sotoshpur Pt-II. 25 Udalguri No.I Sapkhaiti Bher, Khusurabari Habi, Purani Garaibari, Sibpur. Source: SLBC Roadmap for providing banking facilities to villages with population on of over 2000; available at:

4 Annexure - iv Villages covered up to Mar 11 by AGVB under the Financial Inclusion initiative Sl. Name of the Name of the villages covered by AGVB No District 1 Darrang Marua Chuburi, Hirapara, Bechimari, Ghorasal, Satkhali, Dhalpur No. 3, Sanowatari, Upper Kuruwa, Phuhuratali, Kira Kara N C, Kabai Chuba, Pakabangi Chuburi, Hazarikapara, Pithakhowa, Bijulibari, Geremari Chapori, Mowamari, Latakhat, Batabari, Daipampara, Nadirkash, Simaluguri Kachaigaon, Gdhaijhar, Bagichakash, Bahabari, Mandalpara, Khokjani, Jhakuapara, Nagazani. 2 Dhubri Paborchara, Bidyadabri Pt I, Bidyadabri Pt III, Bidyadabri Pt IV, Bidyadabri Pt V, Pokalagi Pt II, Lohajani, Digholtari, Kherbari Pt IV, Kaldoba Pt I, Jhapusabari Pt III, Jhapusabari Pt V, Uzanpetla Pt I, Madhyapetla, Uttar Kachokhana, Bisaindai Pt I, Bisaindai Pt II, Dakhin Tokererchora Pt II, Rupshi Pt I, Tiamari Pt.II, Madaikhali, Geramari Pt.II, Geramari Pt.I, Alomganj Pt IX, Alomganj Pt IV, Khalilpur (Part), Bidyapara II Part (Pt), Aironjongla Pt.III, Bhasanichar Pt.I, Aironjongla Pt.I, Bagulamari, Salmara Pt.III, Gobardhonpara, Udmari Pt.III, 'Chaibari Tea Estate, Sreegram Pt.VI, 'Simlabari Pt.III, Diara, Kukurmara Pt.I, Bhurakata. 3 Goalpara Dubapara. 4 Kamrup Dwarkuchi, Murara, Bihdia No. 1 Kulhati, Kukurmara, 5 Kamrup Metro Changsari 6 Kokrajhar Natabari, Napalpara, Kachugaon F V, Bhowraguri Baruapara-II, Serfanguri. 7 Lakhimpur Harmati Patta no5, Nizaluk, Harmati95 F S Grant, Petition No.3, Parbatipur No.2, Solmari 80 No Grant, Islampur beshpati, Dharampur No.1, Ahmodpur Block, Ketubpur, Fotehpur, Islam Gaon, Islampur No2, (Block), Islampur No3, Bangalmara PGR, Bangalmara Miri, Ahmedpur gaon No.1, Doulatpur, Sonapur No.2, Mornoigaon, Grant No107/110, No.30 F C Grant Dolohat, Chumoni, Bhoroluwa gaon, No. 1 Khowadonga, Konwarpur. 8 Sonitpur Bhaluke Khowa gaon, No.3 Chapai Bagan, Keheru Khnda gaon, Keheru Khnda Pathergaon, No.3 Tiulip gaon, Baitha Bhanga Bangali, No.3 Rangapara T E, Bongijuli No.1, Bhalukpung Nigam, Niz-bihaguri gaon, Pitha Khowa Gaon, Gorimari Borpukhuri, Betani Jhar, Dipotahat Khola, Kalibari Rjah Chahar, Na-Duar Reserve Forest, Majuligue T E No.2 16/17, Balipukhuri, Ara Bari. 9 Morigaon Manaha, Jagiroad (CT), Marigaon, Marigaon, Marigaon, Rupaibari, Ahatguri, Barpayak -1, Barangabari, Borigaon, Niz-CharaiBahi,Jaluguti. 10 Nagaon Naltali, Kuwaritol, Auniati Satra, Pub-Kuladuba, Da-Gaon, Nagaon, Nagaon, Nagaon, Raidongia, Aibheti Satra, Chatmukh Town, Kampur, Dakhin Debasthan. 11 Sibsagar Karigaon, Haluating Grant, Bogohain, Sepon, Koiborto dalani, Japisagia Gaon, Amulaguri Bagisa, Boreodhai, Bolia ghat, Phukan Phadia, Salaguri, Tepor, Baghjan Grant, Haluadanf Grant, Namati bangali, Madhri Gohain, Charimuthiagaon, Barpathar, Barahi Grant, Barahi Kachari, Tiok Bangali, Narem Pathar, Michjan & Bohat Rly Stn, Barhat habi gaon, Borhat Bagicha, Bamun Pukhuri cah Bagicha, Brkhola Gorgaon, Domar Dolong Grant. 12 Nalbari Gamarimuri, Khata Rupiya Bathan, Rupiya Bathan, Kakaya, Barnibari, Naptipara, Japarkuchi, 13 Baksa Dhamdhama (Dhemdhema) 14 Dibrugarh Niz-mankata (OG)-Ward No.25, Bakul T E 6 No. NC, No.2 Barhalia. 15 Cachar Barjatrapur, Irongmara, Duarbond Grant, Digar Khasipur Grant, Salgangapar, Rukni Pt.2, Bangram, Dinanathpur Grant, Sewti Pt. 1, Bihara Pt. III, Bihara Pt. IV, Barunga Pt.1, Nizkatigorah Pt. III, Lathimara, Jogdishpur PT.V, Chadinagar Pt.II, Gobindakupa, Khelmapt.VI, Dakhin Mahanpur Pt. V, Dakhin Mahanpur Pt. VII, DidarkushPt I, DidarkushPt III, Kachudarm Pt.IV, Kachudarm Pt.I, Sentcatherine, Darmikhal Grant, Ruki Pt.IV, 16 Hailakandi Kalinagar Pt. III, Alaicherra Pt VII 17 Bongaigaon Dhantola, Uttar SalmaraPt.1, Patiladoha, Puranbijni. Source: SLBC Roadmap for providing banking facilities to villages with population on of over 2000; available at:

5 Annexure v Central Bank of India : BC Scenario as on 30 June 2011 in Assam District No. of villages alloted having population more than 2000 villages covered No. of CSPs/FBCs No. of enrollments No. of cards issued Technology Service Provider BC Entity Goalpara Integra I-25 Rural Barpeta SSEVL SRDF Bongaigaon SSEVL SRDF Darrang SSEVL SRDF Dhubri SSEVL SRDF Dibrugarh SSEVL SRDF Golaghat SSEVL SRDF Jorhat SSEVL SRDF Sibsagar SSEVL SRDF Tinsukia SSEVL SRDF Udalguri SSEVL SRDF Source:// Annexure -vi Household Interview Schedule A. Personal Economic Profile: Date of interview: Respondent Number: 1. a) Name of Respondent: b) Gender: i) Male ii) Female c) Age: i) Below 30 yrs ii) yrs iii)above 50 yrs d) Educational Qualification: i) Illetrate ii) Under Matric iii) Matriculate iv) Higher Secondary (HS) v) Above HS

6 2. Address of Respondent: 2 a) District: 2 b) Block: 2 c) City/ Town/ Village/ Ward: Distance form: 2 d). Bank: i) Up to 2 ii)2km-5 Km iii) Above5Km 2.e)Post Office: i) Up to 2 ii)2 Km-5 Km iii)above5 Km 2.f) MFI: i) Up to 2 ii)2 Km-5 Km iii)above5 Km 3. Occupation: i. Farmer ii. Agricultural Worker iii. Beneficiary of Government programmes like NREGA iv. Allied Agricultural activities: a. Fishery b. Goatery c. Piggery d. Poultry e. Others v. Non-Agricultural activities: a. Grinding b. Repairing c. Weaving d. Pan Shops e. Wood Sale f. Vending g. Rickshaw pulling h. Daily wage earner i. Small retailing j. Others 4. Economic Status: i. BPL Family: With Agricultural Land/ With Homestead Land/ Landless ii. Non BPL Family 5. Household size: How many members are there in your family? (Give details) Serial No. Name Family Status Age Gender Marital Status Highest Level Education of Status Dependent Independent 6. Monthly household income: i. Below Rs v. Rs Rs.3000 ix. Rs.3001-Rs Above Rs. 4500

7 7. Standard of Living: (tick the appropriate one) 8. Asset Holding: a) House: i) Kaccha ii) Semi pacca iii) Pacca a)land: i) Upto 1 bigha ii) 2-3 bigha iii) b) Electricity: i) Yes ii) No Above 3 bigha c) Toilet: i) Sanitary ii)kaccha iii) Outdoor b) Livestock (Names and numbers) e) TV d) Fuel:i) LPG ii) Firewood iii) Kerosene c) Pressure iv) cooker f) Cycle/ Ricksaw Coal v) Others d) Radio e) Water Source: i) Well(Deep) ii) TubeWell iii) Pond/river iv) Government Supply 9. Monthly household income: i. Below Rs v. Rs Rs.3000 ix. Rs.3001-Rs Above Rs Are you left with any surplus after meeting your expenditure? i) Yes ii) No 11. If yes, do you save?

8 i) Yes ii) No B. General Banking Habit: i. Savings and Banking Habit: 12. a) If yes, how much do you save monthly: i) Below 100 ii) Rs Rs.500 iii) Rs. Rs. 501-Rs iv) Above Rs b) On what basis? i. Daily ii. Weekly iii. Fortnightly iv. Monthly v. Others 13. How do you store your surplus: a) Keep in mud/ tiny boxes e)keep with employers i) In the form of grains b)co-operatives f) Deposit with SHG or Similar Group j) Bank c)keep with villager/ Mahajans g) Post Office k) Private Society d)buy livestock h) Keep with relative l) Others, specify 14. Do you have Bank Account? a)yes b)no a) If no, specify the reasons: i) Income too low v) Savings too Low ix) Inconvenient Location xiii) Distance of Bank branches ii) No I-D proof vi)no address proof x) Inconvenient openings hours xiv) Cash more convenient iii) Illiteracy vii)distrust banks xi) Minimum balance too high xv) Cultural Gap (religion, habits et iv) No introducer viii)not needed xii) No knowledge of banking xvi) Bank staff not co-operative 14. b) If you have Bank a/c, give the following details: i. Number of bank accounts in the household: ii. Name of the Bank: Branch: iii. since when: Above 2 years 1-2 yrs Below 1 yr iv. Type of Bank A/c: Savings(Normal) Recurring Deposit A/c No-Frills A/c v. How frequently you visit the Branch: Once in a month Once in 3 months Half yearly Yearly Never visited after opening the account Fixed Deposit A/c vi. How frequently do you use the Bank account? a) Weekly b) Fortnightly c) Monthly d) Once in three months e) Occasionally (once in six months) f) Rarely (once in a year) g) Never used

9 15. If you have No-Frills A/c, give details: a. You open it through: SHGs / MFI Bank Employee Friends/ relatives BC/BFs NGO Others_ b. Purpose of opening: Savings Credit /Loan Remittances and transfer As a beneficiary of Government Scheme Any other c. Do you know about the facilities available to you under No-frills A/c? Yes No d. Have you availed of the credit facility? Yes No; If yes, what is the Loan amount? e. What is your present balance in the No-Frills A/c: NIL Up to Above Purpose of use of No-Frills A/c : You use It: Mostly (Twice a week) Sometimes (twice a month) Rarely (once in 6 months) Never i. To withdraw government payments ii. Savings iii. Credit iv. Transfer

10 C. Credit Practices: 17. Your preferred source of credit Source Yes No a) Moneylender b) Landlord c) Bank d) MFI e) SHGs f) Friends and relatives g)pvt. Societies h) Others, please specify 18. Do you have any loan presently? i) Yes ii) No If yes, give details: Source Amount taken Outstanding loan amount Tenure Rate of interest per annum Mode repayment of a) Moneylender

11 b) Bank c) MFI d) SHGs e) Friends and relatives f) Pvt. Societies g) Indebted under KCC h) Indebted under GCC i) Others 19. Reasons for multiple borrowing i) Amount from one source is inadequate to meet the requirements ii) Bank not convenient iii) Others:

12 D. Remittance Habit: 20. a) Any family member who have migrated to city/or any other place for livelihood: i) Yes ii) No b) If yes, give details: i. How many? ii. Do they send money? Yes No iii. If yes, how frequently? Weekly Fortnightly Monthly Bi-monthly Half yearly Occasionally iv. How do they send money? Comes personally Sends through messenger Go to collect Send through Bank Money Order Other 21. a) Do you know about Mobile banking facility? Yes No b) If yes, have you availed it: Yes No E. Risk Management and Insurance Coverage: 22. How do you manage the risk of perils mentioned below? i) Health (medical and accident): ii) iii) iv) Theft and damage of livestock and other household assets cash: Loss of income due to loss of work: Loss of life: v) Loss of crop 23. a) Do you have any insurance against the above perils? Yes No b) If yes, give details:

13 Provider Name Date Tenure Amount (Rs) i) Insurance Companies ii) MFI iii) Govt. social security scheme F. About Alternative Institutions 24. a) Are you associated with any SHGs? i)yes ii) No b) If yes, please specify the name i. Linkage with bank: Yes No If yes, specify the name of the bank branch/ MFI: ii. For what purpose? Saving Credit Both iii. Since when associated? Less than 1year 1year-2year Above 2 years iv. If microcredit, are you repaying the amount regularly? Yes No 25. Are you associated with any of the following? (Write yes/no) a) MFI b)bc/ BF c) NGOs d)pvt. societies 26. Name the alternative institutions offering you the following services: a) Micro credit b) Micro deposits/savings c) Micro insurance d) Cash Transfer and Remittances facilities 27. Concerns:

14 Annexure vii: Questions asked to CSPs in the Telephonic interview (CSPs Name, address & phone numbers were sourced from SBI website 1. Educational Qualification: 2. Earlier occupation (i.e. before appointment as BC) 3. Date of appointment as CSP 4. About the training before appointment? 5. Where the training was provided? 6. Duration of the training? 7. Cost of Training? 8. Are you satisfied with the training? 9. If not why? 10. Equipments provided after training? 11. Are you satisfied with the equipments? 12. If not why? 13. Procedure of operation: 14. Services offered: 15. Number of accounts opened? 16. Number accounts active: 17. Targeted group of people:-poor/ small entrepreneurs/ retired people/ others-please specific 18. Mechanism of tie-up 19. How the technology works? 20. What is your limit on cash holding and limits on individual payments and receipts? 21. Details of remuneration 22. Cost of establishing the outlet? 23. How the cost shared? 24. Remuneration? 25. How the remuneration shared with the technology provider? 26. Did you get any Loan Facility while starting your Kiosk? 27. If yes, give details 28. Hindrances