1.

Sampling details
i. Sl. No. ii. Block/Municipality
iii. District
iv. Zone: a. Northern b. Central c. Southern
v. Category:
a. Agriculture b. SSI

c. GSS

d. Other tertiary sectors

2. Age
a. Below 20 years

b. 20-30years

c. 30-40 years

d. 40-50 years

e. Above 50

years
3. Sex
a. Male b. Female
4. Religion
a. Hindu b. Muslim c. Christian

d. SC/ST e. Others

5. Marital status
a. Single b. Married
6. Educational qualifications
a. Illiterate

b. Below SSLC c. SSLC

d. Degree

e. Post Graduate

f.

Technical/Dip. g. Professional Degree h. Others

7. Traditional occupation
a. Artisan
Others

b. Blacksmith c. Carpenter

d. Goldsmith

e. Mason

f. Potter

h. No trad. occupation

8. Occupation
a. Agriculture

b. Retail trader c. Professionals

d. Small-scale industrialist e.

Traditional occupation f. Govt. servant g. Self employed

h. Others

g.

9. Particulars of land holdings

a. Dry land

b. Wetland

10. Particulars of residential buildings

a. Temporary shed

b. Tiled house c. Terraced house

d. Partly ter. house

e.

Others
11. Monthly income
a. Less than Rs.1,000 b. Rs. 1,000-2,000 c. Rs. 2,000-3,000

d. Rs. 3,000-5,000

e. Above Rs. 5, 000

12. Monthly expenditure
a. Less than Rs. 1,000 b. Rs. 1,000-2,000 c. Rs. 2,000-3,000

d. Rs. 3,000-5,000

e. Above Rs. 5, 000

13. Monthly savings
a. Less than Rs. 1,000 b. Rs. 1,000-2,000 c. Rs. 2,000-3,000

d. Rs. 3,000-5,000

e. Above Rs. 5, 000

14. Why do you prefer bank loan?
a. Low rate of interest
b. Easy repayment facility c. No other sources of finance d. Others
15. What are the reasons for availing loan under this scheme?
a. Low rate of interest b. To start the activity c. To expand the activity d. Low
family income e. To get the subsidy

f. Unemployment

16. How do you know about this scheme?

a. Newspaper

b. TV/Radio

c. Block/Govt. officials. d. Hoardings

relatives/neighbours f. Local leaders

17. Are you aware of the interest rate?

g. Others

e. Friends/

a. Yes b. No
18. Are you aware of the subsidy?
a. Yes b. No
19. Are you aware of the complete details of the scheme?
a. Yes b. No
20. If Yes, who gave you the details?
a. Bank officials

b. Block officials c. Others

21. How did you approach the bank?

a. Directly

b. Indirectly

22. If Indirectly, with whom?

a. Local/political leaders

b. Friends and relatives c. Others

23. Bank from where the loan is taken:

a. State bank group

b. Nationalised banks

c. Other scheduled commercial banks

24. Reasons for selecting this bank:
a. Nearness to residence
d. Better services

b. Advice of friends/neighbours c. Public sector bank

e. Recommended by Govt. officials f. Others

25. Have you received the applied loan amount fully or partially?
a. Fully b. Partially
26. Whether you received the loan amount in:
a. Cash b. Kind
27. If in Cash, mode of sanction:
a. Lump sum

b. instalment

28. Have you provided any margin money?

a. Yes

b. No

29. Are you availing the loan for?

a. The first time b. The second time c. The third time d. Others
30. Did you receive any passbook?
a. Yes

b. No

31. If Yes, language of the passbook?

a. Malayalam b. English
32. Whether the loan amount received was sufficient for the purpose?
a. Yes

b. No

33. If No, how the balance was mobilised?

a. Personal account

b. Moneylenders

c. Friends/relatives

d. Other financial

agencies
34. Interest rate of this loan:
a. Low b. High
35. Stage at which the assistance was received:
a. Before starting the project b. After starting the project
36. Did you exercise the option to purchase the asset?
a. Yes

b. No

37. If No, who compelled you to purchase it from a specific dealer?

a. Bank officials b. Block officials c. Others
38. Do you consider the purchase as?
a. Profit

b. Loss

39. Difficulties in getting the loan sanctioned

a. Loss of labour

b. Bribe to Block/ Govt. officials c. Incidental expenses

d.

Others
40. Did you get the loan?
a. Faster than you expected

b. On time as you expected

c. Later than you

expected
41. If your answer is later than you expected, it was due to delay in:
a. Submitting the documents

b. Site inspection

c. Procedural formalities

Getting certificates from other Govt. offices e. Others

42. How far is the bank from your residence?
a. Less than 5 km b. 5-10 km c. More than 10 km
43. How many times have you visited the bank to avail the loan?
a. Less than 3 times b. 3 to 6 times c. 6 to10 times d. More than 10 times
44. How much time did it take to meet the bank officials in each visit?
a. Less than 1 hour b. 1 to 2 hours c. 2 to 3 hours d. 3 to 4 hours
45. Time lag in the disbursement of loans:
a. Less than 15 days b. 15-30 days

c. 30-60 days

d. More than 60 days

46. Was there any pre-sanction visit by the bank officials?

a. Yes

b. No

47. Nature of post-sanction visits by the bank officials:

a. Regular b. Once in a while c. No visit
48. Have you received any other assistance from the bank?
a. Training b. Input supply c. Technology d. Marketing

e. Others

d.

49. In your opinion, the staff at bank was:

a. Courteous and friendly b. Business like

c. Not very helpful d. Indifferent

50. Are you satisfied with (F- fully, P- partially and N - no.
a. Behaviour of the bank staff F P N b. Guidance received

F P N c.

Promptness in receiving in the loan F P N d. Formalities in getting the loan F P

N e. Rate of subsidy

F P N f. Rate of interest

F P N g. Present lending

facilities in the bank F P N

51. Did you utilise the loan for the purpose for which it was provided?
a. Yes

b. No

52. If No, mode of diversion:

a. Family consumption
b. House construction /maintenance /extension
c. Purchase of household articles
d. Marriage/festivals
e. Medical treatment
f. Repayment of debts
53. Are you repaying the loan?
a. Yes

b. No

54. If No, state the reasons

a. Loss
b. Diversion of loan
c. Discouraged by others/
expecting write-offs

e. Others
55. If Yes nature of repayment
a. Regular b. Irregular
56. How do you repay the loan?
a. Income generated from the project b. Other financial agencies
pledging the asset d. Chitty or kuris

c. Selling and

e. Taking loan from money lender

f. Others
57. Is the project running under?
a. Profit b. Break-even c. Loss
58. If Loss, what are the reasons?
a. Improper selection of the project b. Lack of marketing facilities
c. Lack of technical consultancy d. Diversion of loan/income amount e.
Insufficient /untimely credit f. Lack of business attitude
Labour problems

i. Govt. policy

j. Mishap

g. Natural calamity

h.

k. Others

59. Pre-loan Income:

a. Less than Rs. 1,000 b. Rs. 1,000-2,000 c. Rs. 2,000-3,000

d. Rs. 3,000-5,000

e. Above Rs. 5, 000

60. Size of employment generated in person-days:
Details No. a. Man mazdoor b. Skilled man mazdoor c. Woman mazdoor d. Skilled
woman mazdoor
61. Whether the purpose or goal of the loan was achieved?
a. Yes b. No
62. Income from the project is utilised for:

a. Depositing in the bank b. Improving living standards c. Reinvesting in the

scheme d. Clearing the previous debts e. Others
63. Did the opening of a bank in your area helped in?
a. Socio economic development of that area
b. Reducing the influence of money lenders in that area
64. Change in your economic and social status after availing the loan?
a. Raised b. Lowered c. No change
65. What are the impacts of the bank loan on your living conditions?
a. Expansion of activities on modern lines
b. Repaid past debts with high interest rates
c. Given better education and health facilities to children
d. Avoided buying on credit leading to higher profits
e. Led a comfortable life
f. Improved credit worthiness
g. Purchased household articles
h. Marriage of children
i. Reduced poverty
j. Purchased land
k. Modified or constructed house
l. Others
66. State the problems in getting the loan and implementing the project?
a. Lack of sympathetic attitude on the part of bank offials
b. Lack of facilities for technical consultancy

c. Absence of post credit super vision

d. Inadequate quantum of credit limits
e. Identification of deserving borrowers
f. Untimely sanctioning of loan
g. High rate of interest
h. Cumbersome procedure
i. Faulty project appraisal
j. Unsystematic utilisation of loans
k. Lack of co-ordination
l. Lack of infrastructural support
m. Exploitation by middlemen
n. Others
67. What are the suggestions to solve them?
68. What do you prefer?
a. Bank loan

b. Money lenders loan

69. What do you prefer?

a. Subsidised low cost loan with some delay and inadequacy b. Easy, timely and
adequate credit at a higher rate
70. Do you think that the interest rate of bank loan is?
a. Reasonable

b. Not reasonable

71. Will you approach the bank again for the same type of loan?
a. Yes

b. No

72. Whether this type of lending is to be continued?

a. Yes b. No