SURVEY ON FINANCIAL INCLUSION (QUESTIONNAIRE)

Place of Survey: _______________

Date: _____ __
Name: ______________________
Age: ______ _______
Gender: M/F
Occupation: ____ __________
No. of family members: ___ adults ___ children
_____________________________________________________________________________________

A. SAVINGS:
1. Is your household having a one bank account?
Yes
No
2. No. of accounts in your household:
1)

2)

3)

4) more than 3

3. Which type of account do you have?

Savings Bank a/c
Current a/c
Recurring Deposit a/c
Fixed Deposit a/c
if others, (please specify) ___________________________

4. Is the bank account with a cheque book?

Yes
No
5. What were the reasons that your household opened the account?
To receive Govt. payments from NREGP
To receive Govt. payments from schemes other than NREGP
For receiving remittances
For saving money
To request a loan
If others, (please specify) ___________________________
6. Who helped you open the account?
Village Panchayat
Officials Bank Officials
Neighbor Friends/Relatives
If others, (please specify) ___________________________
7. How frequently do you save in your account?
dont save / never
At least once a month
Less than once a month
I put in money as and when I can
I have paid money in but not in past 12 months
I have not added money since account was opened
If others, (please specify) __________________________

8. Reasons for not having a bank account:

I have no money/little money to put in

No bank in this area

No point - benefits received in cash
No point - paid in cash
Concerned there may be too many charges
Tried to open but was refused
Lengthy processes
Not important to me
Anticipated rejection
If others, (please specify) _____________________________
9. Reasons for being refused a bank account:
No ID
Previous bad credit history
No job, unemployed
Had to have a minimum amount
Had debts
Thought I was not trustworthy
Not lived here long enough - no credit history - use spouse's account
Don't know - did not say
If others, (please specify) ___________________________
10. Are you aware that banks are opening zero min. balance accounts for
everyone?
Yes
No

11. How did you find out that banks were opening such no-frills
accounts?
Bank Officials

SHG Members
NGOs
Neighbors
Village Panchayat
Farmer Clubs
Posters Village Meetings
Newspapers/Advertisements
If others, (please specify) ___________________________
12. Do you have any grievances in your no-frills a/c?
No
If yes, please specify? _____________________________________
B. BORROWINGS:
13. Have your household ever borrowed or taken a loan?
No
If yes, from where? Banks Relatives Friends
Moneylenders
If others, (please specify)
14. If borrowed from banks, which of the following reasons led to this
choice?
Low rate of interest
Was offered/arranged by the banks
It is easy (vague)
Trustworthy lender
If others, (please specify) ___________________________

15. If borrowed from sources other than banks, which of the following
reasons ledto this choice?

Being able to borrow relatively small sums

I did not need to provide security or guarantees
It was available locally
I can make repayments in cash in small weekly or fortnightly sums
It is convenient because they come to the door to collect
It is because I know the lender/collector
If others, (please specify) ___________________________

16. If ever borrowed, what was the type of the credit/loan?

Housing loan
Business Loan
Training/Education loan
Vehicle loan
If personal loan, purpose of the loan Household items Computer
Day to day living expenses or bills
To pay off other debts
If others,(please specify) ____________
17. If loan was availed, what difficulties were faced in the process?

______________________________________________________________________ ________

18. In the past three years, have you been refused a loan or credit?
Yes
No

Not asked for any credit

19. If you were refused, do you know why you were turned down? Please
givedetails.

______________________________________________________________________
______________________________________________________________________