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Appendix A

Questionnaire: Assessing Financial Inclusion


I am currently conducting a survey for my thesis on the topic, A Study on
Impact of Financial Inclusion on Rural Development in Management
Faculty at Devi Ahilya University, Indore. The purpose of this
questionnaire is to measure the level of financial accessibility among the
rural people. I would be most grateful with your corporation. I assure you
that none of the statement requires any personal information that could be
detrimental to you. Any information that is given herein is assured to be
treated as confidential. Please, deliberately complete all statement in this
questionnaire in order to have precise and accurate research. Thank you so
much for your corporation and participation.
(Thank you)

(Mrs Priyanka Sharma) Lt.Col. Dr. V.K. Gautam


Researcher Supervisor

Mo.No.9301485919
Email Id: satipriyanka@yahoo.co.in

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Questionnaire:
Part I: Demographic Information

Name:

Age:

Gender: Male Female

Occupation:

Farmer Job

Own Business Land Labor

Others

Education:

Illiterate Below SSC

SSC HSC

Graduate Post graduate

Annual Income:

Below Rs. 25000 Rs. 25000 to Rs. 50000

Below Rs. 75000

Part II : Awareness about Financial Services and Products of Rural People


1. Is there any bank in your village?

Yes No

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2. Do you have any account in the bank?

Yes No

3. Which type of bank is there in the village that you patronize?

Public Sector Bank Co-operative Bank

Private Sector Bank Community Bank

Micro finance bank

4. Which type of bank account do you have?

Current Account Saving Account

Fixed deposit Account Loan Account

5. Did you open Zero Balance Account (No frills) with your bank?

Yes No

6. Rate the distance of your nearest financial bank from your place of
residence.

1 2 3 4 5

Far away distance Very near

7. How many times do you visit the bank branch in a month to obtain the
above facilities?

Once Twice or Trice

Four-Five More than 5 times

8. Do you patronize the other products provided for you by your financial
institution?

Yes No

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Please kindly rate the below expectations in scale of 1 5 and circle any
one
Factors Scale
Not aware 1
Poorly aware 2
Fairly Aware 3
Aware 4
Very aware 5
Which of these services can you state that you can identify/aware with?
9.

Services Not Poorly Fairly Aware Very


Aware
Aware Aware Aware

9.1 Loans

9.2 Internet Banking

9.3 Mobile Banking

9.4 Credit Cards

9.5 Debit Cards

9.6 Mortgage

9.7 Depositing/Withdrawing
cash
9.8 Cheque Book

9.9 Overdraft

9.10 Insurance

9.11 Kisan CC

9.12 Automated Teller


Services (ATMs)

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Please kindly rate the below expectations in scale of 1 5 and circle any
one
Factors Scale
Never 1
Occasionally or tried for it but did not get 2
Considerably 3
Almost always 4
Always 5
Are you availing these services?
10.

Services Never Occasionally Consider Almost Always


or tried -ably Always
10.1 Loans

10.2 Internet Banking

10.3 Mobile Banking

10.4 Credit Cards

10.5 Debit Cards

10.6 Mortgage

10.7 Depositing/With
-drawing cash
10.8 Cheque Book

10.9 Overdraft

10.10 Insurance

10.11 Kisan CC

10.12 Automated
Teller
Services
(ATMs)

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11. Do you feel that your employment status plays a role in your use/access
of these services?

Yes No

12. Do you feel that your income plays a role in your use/access of these
services?

Yes No

13. Do you feel that your education plays a role in your use/access of these
services?

Yes No

14. Do you feel that bank charge plays a role in your use/access of these
services?

Yes No

15. Do you feel that bank employees attitude and behavior plays a role in
your use/access of these services?

Yes No

16. Do you feel that documentation and identification plays a role in your
use/access of these services?

Yes No

Please kindly rate the below expectations in scale of 1 5 and circle any
one

Factors Scale
Highly Dissatisfied 1
Dissatisfied 2
Neither Satisfied Nor Dissatisfied 3
Satisfied 4
Highly satisfied 5

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Statement Rating

17. Services provided by your bank. 1 2 3 4 5

18. Distance to the bank is cost incentives. 1 2 3 4 5

19. Confidentiality about customer account information. 1 2 3 4 5

20. Bank employees attitude and behavior. 1 2 3 4 5

21. Financial institutions interest in your problem. 1 2 3 4 5

22. Reasonable interest on loan. 1 2 3 4 5

23 Education given by the banks for you to be 1 2 3 4 5


compatible with the bank services.
24. Competitive banking products/schemes. 1 2 3 4 5

25. Branch timings. 1 2 3 4 5

26. Bank charges. 1 2 3 4 5

27. Banking procedures like documentation and 1 2 3 4 5


identification.
28. Quick access to your deposit/loan account. 1 2 3 4 5

29. Availability of ATM. 1 2 3 4 5

30. Insurance services. 1 2 3 4 5

31. Mobile banking services. 1 2 3 4 5

32. Internet banking services. 1 2 3 4 5

33. Flexible term on small saving. 1 2 3 4 5

34. Maximum Interest on savings. 1 2 3 4 5

35. Overall satisfaction 1 2 3 4 5

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Appendix B

S.NO. List of Abbreviations used in the Thesis

1. A Little World ALW

2. Automatic Teller Machines ATMs

3. Biometric Point of Transaction POT

4. Business Correspondent Models BC

5. Business Facilitator Models BF

6. Chairman & Managing Director CMD

7. Committee on Financial Inclusion CFI

8. Consultative Group to Assist the Poor CGAP

9. Dependency and Indemnity Compensation Board of DIC


Directors in US

10. Enterprise Development Innovation Fund EDIF

11. European Union EU

12. Financial Inclusion FI

13. Financial Investment Network and Operations FINO

14. Fixed Deposit FD

15. Foreign Direct Investments FDI

16. Gender Related Development Index GDI

17. General purpose Credit Card GCC

18. Generalized Method of Moment GMM

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19. Global Financial Inclusion Global
Findex

20. Government To Person G2P

21. Gross Domestic Product GDP

22. House of Commons Treasury Committee HC

Treasury

23. Human Development Index HDI

24. Indian Council for Research on Economic Relations ICRER

25. Information and Communication Technologies ICT

26. International Monetary Fund IMF

27. International Remittance Network IRnet

28. Internet Banking I -Banking

29. Know Your Customers KYC

30. Microfinance Information exchange MIX

31. Micro-Finance Institutions MFIs

32. Monetary and Financial Statistics. MFS

33. National Bank Account NBA

34. National Bank for Agriculture and Rural Development NABARD

35. National Council of Applied Economic Research NCAER

36. National Housing Bank NHB

37. Non Banking Financial Company NBFC

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38. National Mission on Financial Inclusion NMFI

39. National Sample Survey Organization NSSO

40. Non-Government Organizations NGOs

41. Official Development Assistance ODA

42. Post Office Saving Bank POSB

43. Regional Rural Banks RRBs

44. Reserve Bank of India RBI

45. Rural Finance Access Survey RFAS

46. Self-Help Groups SHG

47. SHG-Bank Linkage Program SBLP

48. Small Industries Development Bank of India SIDBI

49. State Bank of India SBI

50. World Bank WB

51. World Bank financial access WBFA

52. World Bank Financial Access Survey WBFAS

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