Академический Документы
Профессиональный Документы
Культура Документы
Inclusion: Issues
& Constraints
By Kanika Aggarwal
Summer Intern
2000
2004
2007
2008
2009
2011
2012
2012
RESEARCH METHODOLOGY
SURVEY
Primary as well Secondary data
Primary data collection through the
questionnaire and interactions
Secondary data collected through various
journals and websites
Pictures
Inclusix Score
50.1
35.4
2009
Credit Accounts
Deposit Accounts
16.80%
13.50%
12.60%
11.50%
7.80%
8.30%
6.30%
8.30%
8.40%
5.60%
1.70%
-2.00%
2010
2011
2012
2013
37.6
2010
40.1
2011
42.8
2012
2013
Regional Level:
80
76
70
60
48.2
50
44
40.2
39.7
40
30
20
10
0
South
West
North
Inclusix Score
East
North-east
State level:
ITEMS
2009
2010
2011
2012
2013
DEPOSITS
128450
153737
172622
190376
219663
ADVANCES
84123
118906
138347
150300
169657
65.49%
77.34%
80.14%
78.95%
77.24%
71.13%
75.17%
77.12%
77.71%
76.89%
PERCENTAGE OF ADVANCES
TO DEPOSITS (PUNJAB)
PERCENTAGE OF ADVANCES
TO DEPOSITS (INDIA)
PRIMARY RESEARCH
SAMPLING UNIT
Sample consisted of respondents in the rural and semi urban areas
Three districts of Punjab namely Ropar, Mohali and Patiala
SAMPLE SIZE:
300 respondents
2 villages selected in each district . 50 respondents in each village
SAMPLING PROCEDURE:
Multi-stage sampling has been used
SAMPLE DESIGN:
Data has been presented with the help of bar graph, pie charts, line
graphs etc.
District/
Village
Total
Pop.
Working
Pop.
Agr
LL
SE
Others
Sample Distribution
Agr
LL
SE
Total sample
size
Others
PATIALA
100
Kallo Majra
852
272
21
27
218
11
27
50
Pabri
1457
509
156
96
253
19
21
50
ROPAR
Ramgarh
Dakala
100
414
646
148
208
8
65
0
21
0
2
140
120
24
20
3
5
5
4
18
21
MOHALI
Kumbhra
Mataur
50
50
100
4224
4634
1455
1983
80
48
Agr
- Agriculture
Self Employed
55
14
LL
41
24
1279
1897
4
2
4
2
- Landless Labourer
9
6
SE
33
40
50
50
<30
31-40
41-50
51-60
61-70
70 & Above
ROPAR(100)
13
16
32
19
14
MOHALI(100)
23
32
18
19
PATIALA(100)
18
27
38
11
OVERALL(300)
29
51
52
67
78
25
Percentage
9.67%
17%
17.33%
22.33%
26%
8.33%
1. Age Distribution
350
300
71 & Above
61-70
51-60
41-50
31-40
<30
250
200
150
100
50
0
Ropar
Mohali
Patiala
Overall
Family Size
Less
than 3
3-6
ROPAR
4
63
MOHALI
7
71
PATIALA
3
66
OVERAL
14
200
L
Percentag 4.67% 66.67
e
%
7-10
24
18
21
63
Averag
e
More Family
than
Size
10
9
4
10
23
21% 7.67%
6.18
5.01
6.39
5.86
No. Of Earning
Averag
Members
e no. of
0
1
2
More earnin
than 2
g
membe
rs
5
4
2
11
55
63
71
189
23
27
19
69
17
6
8
31
3.67% 63
%
23
%
10.33
%
1.52
1.35
1.33
1.4
3. Literacy Level
Education level School
High
Dropout School
Sr.
Graduate
Secondary
Post
Graduate
ROPAR (100)
61
26
10
MOHALI (100)
45
30
17
PATIALA (100)
45
35
16
OVERALL
(300)
PERCENTAG
E
151
91
43
15
14.33%
5%
0%
50.33% 30.33
%
5%
50%
30%
School Dropout
High School
Sr. Secondary
Graduate
Post Graduate
4. Occupation
OCCUPATION DISTRIBUTION
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
ROPAR
MOHALI
PATIALA
EARNINGS
PATTERN
Category
ROPAR
19
38
33
MOHALI
29
32
21
13
38
41
11
PATIALA
23
35
27
15
26
40
29
OVERALL
71
105
81
36
85
11
113
73
18
3.67%
37.67%
24.33
%
6%
35%
B: 50000-100000
C: 100000-200000
D: 200000-400000
120
100
80
Category
Category
Category
Category
Category
60
40
20
ROPAR
MOHALI
PATIALA
OVERALL
A
B
C
D
E
Post
Graduate
Agriculture
Landless
labourer
57
17
20
8
1
1
2
1
0
0
Self Employed
Others
12
65
13
50
5
36
3
9
0
0
Others
School Dropout
High School
Sr. Secondary
Graduate
Post Graduate
Self Employed
Landless Labourer
Agriculture
0
10
20
30
40
50
60
70
ROPAR (100)
MOHALI (100)
PATIALA (100)
OVERALL (300)
2
5
0
19
29
23
38
32
35
33
21
27
8
13
15
71
105
81
36
Per capita
income
2,10,750
2,00,250
2,25,750
2,11,833.33
120
100
80
Category
Category
Category
Category
Category
60
40
20
ROPAR
A
B
C
D
E
230000
225000
220000
215000
210000
205000
200000
195000
190000
185000
PER CAPITA
INCOME
Education level
School
Dropout
61
High
School
26
Sr.
Secondary
10
Graduate
MOHALI (100)
45
30
PATIALA (100)
45
OVERALL (300)
PERCENTAGE
ROPAR (100)
Post
Graduate
0
Per capita
income
2,10,750
17
2,00,250
35
16
2,25,750
151
91
43
15
2,11,833.33
50.33%
30.33%
14.33%
5%
0%
8. Land Holding
No. of persons
holding land
Average land
holding
ROPAR
79
3.47
MOHALI
30
3.66
PATIALA
67
4.87
90
80
70
60
No. of persons
holding land
Average land
holding
50
40
30
20
10
0
ROPAR
MOHALI
PATIALA
Occupation
Agr
LL
SE
Others
Per capita
income
ROPAR (100)
44
39
2,10,750
MOHALI (100)
15
73
2,00,250
PATIALA (100)
30
13
48
2,25,750
OVERALL (300)
80
27
33
160
2,11,833.33
BANKING HABITS
Per capita
monthly
savings
0-5%
5-10%
10-15%
60
30
5,268.75
15,806.25
26,343.75
11,327.81
51
33
5,006.25
39
15,018.75
42
25,031.25
16
50,062.5
3
13,266.56
5,643.75
50%
16,931.25
35%
28,218.75
10.67%
39,5062.5
4.33%
25,679.06
5,295.83
15,887.49
26,479.16
52958.33
13,327.84
ROPAR (100)
Per capita Income: 2,10,750
MOHALI (100)
60
50
40
30
20
10
0
ROPAR
MOHALI
PATIALA
ROPAR
MOHALI
PATIALA
OVERALL
Savings A/c
115
116
130
361
PMJDY
15
17
15
47
Average no.
of Bank A/c
People with no
Bank A/c
1.3
1.33
1.45
1.36
5
5
2
12
Average No. of
bank accounts
ROPAR (100)
2,10,750
11,327.81
1.3
MOHALI (100)
2,00,250
13,266.56
1.33
PATIALA (100)
2,25,750
25,679.06
1.45
OVERALL (300)
2,11,833.33
13,327.84
1.36
56933
16407
ROPAR
52500
14344
MOHALI
20052
PATIALA
PACS
Member
s
KCC
Holders
Average
Loan
outstanding
on Card
Average
land
holding
Average
loan
outstanding
per acre
ROPAR
68
68
56,933.82
3.47
16,407.44
MOHALI
52,500
3.66
14,344.26
PATIALA
63
63
97,656.82
4.87
20,052.73
5. Frequency of transactions
47
58
21
25
19
10
13
7
3.09
2.89
33
38
21
3.16
46%
28%
16.67%
2.67%
Frequency of transactions in a month
60
0-2
2-4
4-6
6 and more
50
40
30
20
10
0
ROPAR
MOHALI
PATIALA
1.3
Average no. of
transactions in a
month
2.96
MOHALI (100)
1.33
2.32
PATIALA (100)
1.45
3.08
CREDIT DETAILS
1. Source of Borrowing:
Source of Borrowing
Banks
Moneylenders
Friends
Others
ROPAR (100)
20
10
14
28
No
Loan
28
MOHALI (200)
33
15
14
35
PATIALA (100)
47
21
20
OVERALL (300)
100
29
49
39
83
33.33%
9.67%
16.33%
13%
27.67%
Percentage
100
90
80
70
60
50
40
30
20
10
0
Source of Borrowing
Banks
Moneylenders
Friends
Others
No Loan
Banks
Category A
Category B
Category C
Category D
Category E
2
16
32
35
15
200000-400000
Banks
Moneylenders
Friends/Relatives
Others
No loan
100000-200000
50000-100000
Upto 50000
0
10
15
20
25
30
35
Source of Borrowing
Moneylender Friends
Others
s
4
10
9
3
3
1
15
19
12
2
0
7
18
9
5
No Loan
0
23
27
22
11
School Dropout
High School
Sr. Secondary
Graduate
Post Graduate
Total
Banks
37
38
16
9
0
100
Source of Borrowing
Moneylenders
Friends
Others
22
36
28
5
12
8
2
1
3
0
0
0
0
0
0
29
49
39
No loan
28
28
21
6
0
83
Post Graduate
Graduate
Banks
Moneylenders
Friends
Others
No loan
Sr. Secondary
High School
School Dropout
0
5 10 15 20 25 30 35 40
FINANCIAL SERVICES
Govt. Pension
Yes
No
Yes
No
40
38
57
135
60
62
43
165
11
12
19
42
89
88
81
258 % of respondents having Insurance and Govt. Pension
Insurance
Govt. Pension
57
40
38
11
ROPAR
12
MOHALI
19
PATIALA
School dropouts
High School
Sr. Secondary
Graduate
Post Graduate
Total
Total no. of Respondents
No. of respondents having Insurance
55
42
29
151
91
43
15
Total no. of
Respondents
No. of respondents
having Insurance
% of
respondents
having
Insurance
151
91
43
15
0
300
55
42
29
9
0
135
36.42%
46.15%
67.44%
60%
45%
Category A
Category B
Category C
Category D
Category E
Total No. of
Respondents
No. of
Respondents
having
Insurance
% of
respondents
having
Insurance
7
71
105
81
36
2
19
48
47
19
28.57%
26.76%
45.71%
58.02%
52.77%
Income level and Insurance
Total No. of respondents
No. of respondents having Insurance
71
7 2
19
105
48
81
47
36
19
ROPAR (100)
MOHALI (100)
PATIALA (100)
OVERALL(300)
PMAPY
PMSBY
PMJJBY
Per capita
Income
1%
6%
2%
3%
28%
43%
48%
39.67%
17%
29%
30%
25.33%
2,10,750
2,00,250
2,25,750
2,11,833.33
PMAPY
PMSBY
PMJJBY
80
60
40
20
0
ROPAR
MOHALI
PATIALA
OVERALL
Yes
No
23
28
32
83
28%
77
72
68
217
72%
Attended FLC
Yes
No
28%
72%
No. of
respondents
attended FLC
% of
respondents
attended FLC
School
Dropouts
151
27
17.88%
High School
Sr. Secondary
Graduate
Post Graduate
91
43
15
0
28
17
11
0
30.76%
39.53%
73.33%
Total no. of respondents
No. of respondents attended FLC
Post Graduate 0
Graduate
Sr. Secondary
High School
School Dropouts
15
11
43
91
151
17
28
27
RECOMMENDATIONS
AND
SUGGESTIONS
Thank
You