The desire to acquire knowledge about the surrounding world and human society is quite natural and understandable for a person. Life is so developed that an uneducated person will never occupy a high position in any field. Humanity in its mass, and each person individually, develops objectively, regardless of certain life circumstances and obstacles, but with different intensity. The speed of development depends on the quality of training.Community Empowerment by Dr. SBM Prasanna, Dr. K Puttaraju, Dr.MS Mahadevaswamy (best fiction novels to read .txt) ๐
Book online ยซCommunity Empowerment by Dr. SBM Prasanna, Dr. K Puttaraju, Dr.MS Mahadevaswamy (best fiction novels to read .txt) ๐ยป. Author Dr. SBM Prasanna, Dr. K Puttaraju, Dr.MS Mahadevaswamy
ST
17
17%
Total
100
100%
Source: Field Survey
The above table-3 examines the category of the respondents. Out of 100 respondents majority belongs to SC category that is 35% and 33% of the respondents belongs to OBC category and 17% of the respondents belongs to ST and only 15% of the respondents belongs to GM category.
Education level of the Respondents
Education is the most important instrument of human resource development and social mobility. The education makes the individual to acquire develop skill and ability to communicate with others in any forum. Higher education level of citizen is an important prerequisite for greater role political process.
Table โ 4 Education level of the Respondents
Sl. No.
Education Level
No. of the Respondents
Percentage
1.
Primary School
60
60%
2.
Higher Secondary
26
26%
3.
Degree
14
14%
Total
100
100%
Source: Field Survey
The table-4 clearly indicate the education level of the respondents. Out of 100 respondents majority of the respondents belongs to primary school that is 60% and 26% of the respondents studied upto PUC and only 14% of the respondents studied up to degree.
Table โ 5 Marital Status of the Respondents
Sl. No.
Marital Status
No. of the Respondents
Percentage
1.
Married
83
83%
2.
Unmarried
17
17%
Total
100
100%
Source: Filed Survey
The table-5 depicts the details of the marital status of the respondents. Out of 100 respondents 83% of respondents married and only 13% of respondents are unmarried.
Table โ 6 Family type Dimension of the Respondents
Sl. No.
Family Type
No. of respondents
Percentage
1.
Nuclear
26
26%
2.
Joint
74
74%
Total
100
100%
Source: Field Survey
The above table-6 indicates the Family Type of the respondents. Out of 100 respondents majority respondents are Joint Family that is 74% and only 26% of the respondents are Nuclear Family.
Table โ7 Activity wise distributions of the respondents
Sl. No.
Activity
No. of the Respondents
Percentage
1.
Agriculture
47
47%
2.
Allied Activities
23
23%
3.
Business
10
10%
4.
Services
20
20%
Total
100
100%
Source: Filed Survey
The table-7 shows that activity wise distribution of the respondents. Out of 100 respondents majority of the respondents depend on agriculture activity that is 47% and 23% of the respondents obtained loan for allied activities and only 10% of the respondents obtained loan for business activity.
Table โ 8 Pre-loan income levels of the Respondents
Sl. No.
Income Level
No. of the Respondents
Percentage
1.
Less than 2000
16
16%
2.
2001 โ 5000
30
30%
3.
5001 โ 8000
32
32%
4.
Above 10000
22
22%
Total
100
100%
Source: Field Survey
The above table-8 shows that pre-loan income level of the respondents. Out of 100 respondents majority of the respondents belongs to income group of Rs.5001-8000 that is 32% and 30% of the respondents belongs income group of Rs.2001-5000 and 22% of the respondents belongs to income group of above Rs.10000.
Table โ 9 Post loan period income levels of the Respondents
Sl. No.
Income Level
No. of the Respondents
Percentage
1.
5000 โ 10000
16
16%
2.
10001 โ 15000
32
32%
3.
15001 โ 20000
35
35%
4.
Above 20000
17
17%
Total
100
100%
Source: Field Survey
The above table-9 shows that post loan period income level of the sample respondents. Out of 100 respondents majority respondents belongs to income group of Rs.15001-20000 that is 35% and 32% of the respondents income level was between Rs.10001-15000 and 16% of the respondents income level was between Rs.5000-10000 and only 17% of the respondents earned above Rs.20000. This is clearly indicates that after post loan period almost all respondents get benefited.
Table โ 10 Do you have a bank account?
Sl. No.
Particulars
No. of the Respondents
Percentage
1.
Yes
100
100%
2.
No
0
0
Total
100
100%
Source: Field Survey
If can observed the table particulars out of 100 respondents 100% of the respondent opined that have a bank account. This is clearly indicated that all respondents involve in banking services.
Table โ 11 Bank wise account details of the respondents
Sl. No.
Bank wise account
No. of the Respondents
Percentage
1.
Commercial Banks
43
43%
2.
RRBโs
34
34%
3.
Co-operative Banks
23
23%
Total
100
100%
Source: Field Survey
The above table-11 shows that bank wise deposit account details of the respondents. Out of 100 respondents majority of the respondents opened the deposit account in commercial banks that is 43% and 34% of the respondents opened the deposit account in RRBโs and only 23% of the respondents opened the deposit account in co-operative banks.
Table โ 12 Reasons for opening the Bank Account
Sl. No.
Reasons
No. of the Respondents
Percentage
1.
For Savings
15
15%
2.
To get the loan
74
74%
3.
To receive the money from the Govt.
11
11%
Total
100
100%
Source: Field Survey
The above table-12 shows that reasons for opening the bank account of the respondents. Out of 100 respondents majority of the respondents it means 74% of the respondents opening the bank account for to get the loan and 15% of the respondents opening the bank account for savings and only 11% of the respondents are opening the bank account to receive the money from the Govt.
Table โ 13 Who helped you to open the bank account?
Sl. No.
Particulars
No. of the Respondents
Percentage
1.
Village Panchayath Members
52
52%
2.
NGOโs
20
20%
3.
Family Members
28
28%
Total
100
100%
Source: Field Survey
It can observed table particulars out of 100 respondents 52% of the respondents are helped from village panchayath member and 28% of the respondents helped from Family members and only 20% of the respondents helped from NGOโs.
Table โ 14 Are you getting loan from any bank?
Sl. No.
Particulars
No. of the Respondents
Percentage
1.
Yes
100
100%
2.
No
0
0
Total
100
100%
Source: Field Survey
If can observed the table particulars out of 100 respondents 100% of the respondent are getting loan from different banks.
Table โ 15 Borrowed amount details of the respondents
Sl. No.
Borrowed amount
No. of the Respondents
Percentage
1.
10000 โ 15000
23
23%
2.
15001 โ 20000
52
52%
3.
2001 โ 25000
15
15%
4.
Above 25000
10
10%
Total
100
100%
Source: Field Survey
This table-15 shows that borrowed amount details of the respondents. Out of 100 respondents 52% of the respondents borrowed amount was between Rs.15001 โ 20000 and 23% of the respondents borrowed amount was between Rs.10000 โ 15000 and only 10% of the respondents borrowed above Rs.25000.
Table โ 16 Reasons for getting loan from bank
Sl. No.
Reasons
No. of the Respondents
Percentage
1.
To start business
64
64%
2.
To purchase land
15
15%
3.
To start other activity
21
21%
Total
100
100%
Source: Field Survey
The above table-16 shows that reasons for getting loan from banks of the respondents. Out of 100 respondents 64% of the respondents opined that to start business and 21% of the respondents opined that to start other activity and only 15% of the respondents opined that to purchase land.
Table โ 17 Did you repay the borrowed amount?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
Yes
57
57%
2.
No
43
43%
Total
100
100%
Source: Field Survey
If can observed the table particulars out of 100 respondents 57% of the respondents are repay the borrowed amount and 43% of the respondents are not repay the borrowed amount.
Table โ 18 Do you save money?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
Yes
100
100%
2.
No
0
0
Total
100
100%
Source: Field Survey
The above table-18 shows that savings habit of the respondents. Out of 100 respondents 100% of the respondents save money for different purpose.
Table โ 19 For which purpose do you save money?
Sl. No.
Purpose
Number of the Respondents
Percentage
1.
For uncertain days
32
32%
2.
For education of children
28
28%
3.
For old age life
21
21%
4.
To repay the loan
19
19%
Total
100
100%
Source: Field Survey
The table -19 shows that Saving Purpose details of the respondents. Out of 100 respondents majority of the respondents that is 32% of the respondents save money for uncertain days and 28% of the respondents save money for education of children 21% of the respondents save money for old age life and 19% of the respondents save money to repay the loan.
Table โ 20 Are you aware of the following banking service?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
ATM
49
49%
2.
Mobile Banking
20
20%
3.
DD, Overdraft
12
12%
4.
I donโt any services
19
19%
Total
100
100%
Source: Field Survey
The above table-20 shows that awareness of some banking services of the sample respondents. Out of 100 respondents 49% of the respondents aware of the ATM services and 20% of the respondents aware of the mobile banking services and 12% of the respondents aware of the DD, overdraft services.
Table โ 21 How is your life style after participation in Financial Inclusion?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
Good
100
100%
2.
Bad
-
-
Total
100
100%
Source: Field Survey
The table-21 depicts the details about respondents of their life style after participation in financial inclusion out of 100 respondents 100% of the respondents are enjoining good life after participation in financial inclusion.
Table โ 22 Do you have any Physical assets?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
Yes
100
100%
2.
No
-
-
Total
100
100%
Source: Field Survey
If can observed the table particulars out of 100 respondents 100% of the respondents have a different physical assets.
Table โ 23 Did you get support from your family this activity?
Sl. No.
Particulars
Number of the Respondents
Percentage
1.
Yes
100
100%
2.
No
-
-
Total
100
100%
Source: Field Survey
The above table -23 shows that details of the encouragement by the family members of the respondents activity out of 100 respondents 100% of the respondents were get cooperation from their family.
Table โ 24 Involvement in Decision making
Sl. No.
Type of decisions
No. of the Respondents
Percentage
1.
Financial Matters
61
61%
2.
Children Education
22
22%
3.
Buy the land & other assets
17
17%
Total
100
100%
Source: Field Survey
The above table-24 shows that involvement in decision making of the respondents out of 100 respondents 61% of the respondents involved in taking decision in financial matters and 22% of the respondent decision making in children education matter and 17% of the respondents decision making in buy the land and other assets.
Major Findings of the Study
Based on the analysis and discussion the following findings have been drawn:
Out of 100 respondents majority of the respondents belongs to male that is 60% and 40% of the respondents belongs to female.
Out of 100 respondents majority belongs to age group of 30 โ 40 years i.e., 47 percent and 22% of the respondents belongs to 40 โ 50 age groups and 19% of the respondents belongs to 20 โ 30 age groups and only 12% of the respondents belongs to 50 โ 60 age groups.
Out of 100 respondents majority belongs to SC category that is 35% and 33% of the respondents belongs to OBC category and 17% of the respondents belongs to ST and only 15% of the respondents belongs to GM category.
Out of 100 respondents majority of the respondents depend on agriculture activity that is 47% and 23% of the respondents obtained loan for allied activities and only 10% of the respondents obtained loan for business activity.
Out of 100 respondents majority of the respondents belongs to income group of Rs.5001-8000 that is 32% and 30% of the respondents belongs income group of Rs.2001-5000 and 22% of the respondents belongs to income group of above Rs.10000.
Out of 100 respondents majority respondents belongs to income group of Rs.15001-20000 that is 35% and 32% of the respondents income level was between Rs.10001-15000 and 16% of the respondents
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