Shodhganga : a reservoir of Indian theses INFLIBNET Centre University of Mysore Department of Economics and Cooperation Role of lead bank in financial inclusion a case study of Mysore district Rupa, K. N. Uma, H. R. http://hdl.handle.net/10603/90726 Downloaded from Shodhganga@INFLIBNET, http://shodhganga.inflibnet.ac.in
Appendices
APPENDIX I Timeline of Important Events in India s quest for Financial Inclusion 1935 Reserve Bank of India (RBI) established 1967 policy of social control over banks 1968 National Credit Council 1969 Nationalisation of commercial Banks 1974 Priority Sector lending to requirement to public sector banks 1979 Priority Sector requirement private sector banks 1980 Additional Nationalization of commercial Banks 1980 Modification of Priority Sector Rules 1982 National Bank for Agriculture and Rural Development 1991 Liberalization of financial sector 1992 SHG Bank Linkage Programme 1998 Kisan Credit Card 2005 No Frills account 2005 Mahatma Gandhi National Rural Employment Guarantee Act 2006 Promotion of the Business Correspondent (BC) 2008 Mobile Banking: 2009 Establishment of the Unique Identification Authority of India 2010 Swabhimaan program 2013 Bharatiya Mahila Bank 2013 National Rural Livelihood Mission 2014 Pradhanamanthri Jan-Dhan Yojana 172
APPENDIX II Questionnaire for Basic Savings Deposit Account holder 1. Name of the account holder 2. Residential place 3. Age a) Below 25 b) 26-35 c) 36-45 d) 46-50 e) Above 50 4. Gender a) Male b) Female 5. Education a) Illiterate b) Primary c) Secondary d) pre-university e) Graduate f) Post graduate 6. Category a)general b)sc/st c)other backward classes d)minorities 7. Number of person s in the household a) Below 4 b) 5-7 c) 8-10 d) Above 11 8. Type of family a) Nuclear b) Joint 9. Type of occupation a) Agriculture and allied occupation b)seasonal business c)petty business d)private job e)government job 10. If you are an agriculturist, do you own land? 11. If yes, How many acres? a) Below 1 acre b) 1-2 acres c) 2-4 acres d) 4 and above 12. Type of land owned A) Wet land b) Dry land c) Semi irrigated 173
13. Which is the main crop? a) Paddy b) Maize c) Ragi d)pulses e) Others(specify) 14. Do you have Ration card 15. If yes, which type of card? a) A P L b) B P L 16. If you are a wage earner, what is the wage pattern? A) Daily b) Weekly c) Monthly d) Seasonal earner 17. Number of earning members in the family a) Only one b) Two c) Three d) Four and above 18. Monthly income of the family a) Below ` 2000 b) ` 2001-5000 c) ` 5001-10000 d) ` 10001-20000 e) Above ` 20000 19. Average Savings for a month a) Below ` 500 b) ` 501-1000 c) ` 1001-2000 d) ` 2001 and above 20. Were you saving money before opening the account? 21. If yes, where did you keep your savings? a) At home b) With Self help groups c) Used for purchasing gold or land d) Lend money for interest 22. For what purpose do you save? a) To face uncertainties b)to meet Medical Expenses c) To invest in business d)to meet education expenditure e) To repay loans f) For marriage expenses g) Others (specify) f) No specific reason 23. From which source you get money a) From Relatives/Friends b)from money lenders c)by sale of land or gold or household items d)by banks f)shgs g)co operative societies 24. If yes, from which institution 174
a) Bank branch b) BC/BF c) Post office d) Co operatives e)r R Bs 25. Why you did not have a bank account before financial inclusion a) Long distance b) No surplus money c) Lack of savings d) Lack of awareness e) Lack of advice 26. Did anybody help you to open the account? 27. How do you come to know about saral saving type of account? a) Through media b) Through SHGs c) Through bank personnel d) Friends and relatives e) Government official 28. For which Purpose you opened the bank account? a) For saving money b) For safe keeping c) availing loan d) To receive government payment from NREGP e) To receive non NREGP payment 29. How long did it take to open the account after submission of application form? a)same day b)one week c)fortnight d)one month e)more than a month 30. Did you face any problem to open an account? 31. If yes which type of problem? a) Filling application b) Problem of identity c) Indifferent attitude of bank personnel d) Language problem 32. Are you regularly operating account? 33. If no, what is the reason? a)lack of money b)lack of interest c)no necessity d)no response 34. If yes, at what interval? a)weekly b)fortnightly c)monthly d) Once in six months 35. What are the facilities you have availed from the bank with your saral saving account? 175
a) Deposit b) Withdrawal c) Overdraft d) Credit/Loan e) E B T transfers f) Remittance 36. What is the average minimum balance kept in your account? a)below Rs 50 b)rs 51-200 c)rs 201-500 d)rs 501-1000 e)above 1000 37. Have you availed loan from the banks? 38. If yes, for which purpose a) For consumption b) For production/business c) For meeting emergencies d) Others 39. Are you aware of different loan products? 40. If yes, mention the type a) Personal loan b) Vehicle loan c) Education loan d) Non farm loan e)agriculture loan 41. Have you availed any type of insurance service? 42. If yes which type of insurance a) Health insurance b) Crop insurance c) Live stock insurance d) Life insurance 43. Are you aware of any micro finance institution? 44. If yes, have you availed microfinance facility? 45. If yes, from which institution a)from NGO b)from SHG c)from MFI d)primary co operative societies 46. Have you come across any financial literacy programme 47. If yes what financial literacy programme you have attended 176
a)formal financial literacy programme b)credit counseling by bank branch c)mfi counseling 48. What help did you get through credit counselor? a) Relevant and comprehensive information about financial products b)rational guidance to budget available money c)help to resolve risks d)planning for future 49. How useful is the saral saving account? a) Not at all b) Fairly good c) Good d) Very useful 50. How do you rate the service of the bank branch where you have saral saving account? a)not at all good b)good c)very good d)excellent 51. Where you aware of the following bank services before opening an account 1) About deposits 2) About passbook and cheque book 3) About loans and interest 4) About ATM 5) About insurance coverage 6) About credit cards 7) About credit counseling 8) About funds transfer 177
9.About financial inclusion? 52. Are you Aware of the following bank services after opening an account 1) About deposits 2) About passbook and cheque book 3) About loans and interest a) Not known b)just known c)known d)well known 4) About ATM 5) About insurance coverage a) Not known b)just known c)known d)well known 6) About credit cards 7) About credit counseling a)not known b)just known c)known d)well known 8) About funds transfer a) Not known b) Just known c)known d)well known 9.About financial inclusion? 178
53. Impact of financial inclusion on economic condition of the account holder Physical assets Yes No Owning of land Live stock Electronic goods Vehicles Tools and equipments 54. Are there any positive changes in following after opening the saral saving account? Safe drinking water Electricity consumption Toilet facility Telephone connection/ Mobile use Household expenditure Before Financial Inclusion Yes No After Financial inclusion 55. Impact of financial inclusion on social condition of the account holder Education expenditure Health access Confidence level Skills and empowerment Risk management Nutritional status Yes No 179
APPENDIX III Questionnaire for the Bank Regional Offices on Financial Inclusion Name of the Bank Address: Is your bank providing the following services through your branch? Please specify. Services Yes No Basic Saving Deposit Account Core Banking E- Banking Mobile Banking Issue of Kisan Credit Card Issue General Credit Card ATM Bio Metric ATM Priority Sector Lending National Rural Livelihood Mission Micro Finance Micro Insurance Micro Pension Propagandas for Financial Inclusion Adoption of B C Model Financial Literacy and Credit Counseling SHG-Bank Linkage Joint Liability Groups Swavalamban Swabhiman DBT Transfer 180
Implementation hurdles: Hurdle HA A HDA DA High opening cost of Basic Saving Deposit Account High operational cost Lack of adequate staff Lack of Technology Lack of Incentives Lack of assistance from the Government Heavy work load Consumes more time Lack of consumer awareness Improper Payment HA: Highly Agree A: Agree HAD: Highly Disagree DA: Dis Agree 1) Do you provide any suggestions to improve financial inclusion drive? 2) Are you getting regular support from the Lead Bank in Financial Inclusion operation? 3) Does Lead Bank assists branches in the process of financial inclusion? 4) Does Lead Bank allocate targets of financial inclusion to the branch? 5) Does Lead Bank provide Road Map to operate on financial inclusion? 6) Does Lead Bank monitors the activities undertaken by the branches on financial inclusion? 7) Do you regularly report the progress of financial inclusion to the Lead Bank? 8) Does Lead Bank play motivational role in financial inclusion operation? 181
RESEARCH PAPERS PUBLISHED IN JOURNALS Sl. No. Title of the Article Name of the Journal Month and Year ISSN and ISBN No 1 Women Empowerment Through Self-Help Group-A Study Journal of Development and Social Change Vol. 9:No1 Oct-Dec 2012 ISSN No-2231-0991 2 The Role of SHGs in Financial Inclusion. A case Study International Journal of Scientific and Research Publications Volume 3, Issue 6 June 2013 ISSN NO- 2250-3153 Impact of Bank led 3 Financial Inclusion on the Socio economic status of saral saving account PARIPEX-INDIAN JOURNAL OF RESEARCH Vol:2 Issue:9 Sept 2013 ISSN No-2250-1991 holders 4 Bank Led financial Inclusion Proceedings of the Seminar organized by Tunga Mahavidyalaya,Thirthahalli Jan 2015 ISBN No-978-93-5128-128-3 5 The role of Lead Bank in Financial Inclusion International Journal in Management & Social Science (IJMSS) Feb 2015 ISSN No- 2321 1784 6 Sustainable Rural Development and Financial Inclusion Feb 2015 Professional Books Publisher Hyderabad- Chennai ISBN-978-81- 909728-8-8 182