Financial Inlsuion Quesstionare

ANNEXURE I RBI YOUNG SCHOLAR SURVEY ON FINANCIAL INCLUSION (QUESTIONNAIRE)
73
14. If borrowed from banks, which of the following reasons led to this choice?
Low rate of interest Good deal, good rate
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 led to 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 p ersonal loan, purpose of the loan
Household items
Computer
Day to day living expenses or bills
To pay off other debts
If others, (please specify) ________________________
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, been refused credit
No, been given credit I wanted
Not asked for any credit 19. If you were refused, do you know why you were turned down? Please give details. _____________________________________________________________ _____________________ ________________________________________ __________________________________________ C. OTHER FINANCIAL SERVICES 20. Are you using any other form of financial service or product?
No
If yes, then which one:
Insurance
Credit card Debit card If others, (please specify) __________________________
74 21. What were the reasons for not availing any form of insurance?
Too expensive, can't afford it
Just don't bother, no real reasons
No need for it
I don't have much, nothing valuable
I am in process of doing it
No insurance men coming to door now
Have to have bank account
If others, (please specify) ___________________________________ 21. If already having insurance, which of the following type is it? Life insurance Health insurance Vehicle insurance If others, (please specify) ____________________________ 22. Reason for using the above said financial service(s)? _____________________________________________________________ _____________________ ________________________________________ __________________________________________ 23. What difficulties were faced in the process of accessing the above financial service(s)? _____________________________________________________________ _____________________ ________________________________________ __________________________________________ 24. In the past three years, have you been refused any of the above financial product(s)?
Yes, been refused credit
No, been given credit I wanted
Not asked for any credit 25. If you were refused, do you know why you were turned down? Please give details. _____________________________________________________________ _____________________ ________________________________________ __________________________________________ 26. Over the past couple of years, have you been anywhere for advice about money matters?
No, no where
Family/friends
Bank
Financial Adviser
Social worker
If others, (please specify) ___________________________________ 27. And would you say this advice was
Very helpful
Helpful
Neither helpful nor unhelpful
Very unhelpful
Not sure 28. Is there any financial advice centre/credit counseling center in your area?
Yes
No 29. If yes, how satisfied are you with its working and the advice it provides?
Completely satisfied
Satisfied
Just ok
Unsatisfied
Completely unsatisfied 30. If you are not satisfied with its working, then please give reasons. _____________________________________________________________ _____________________ ________________________________________ __________________________________________
75 31. At present how well do you think you are managing your money?
Managing well
Just getting by
Getting into difficulties
Not sure 32. At present how worried are you about getting into debt?
Very worried
Fairly worried
Not very worried
Not at all worried
Not sure 33. What would you do if you needed money in an emergency?
Ask family or friends
Draw on savings
Take out a bank loan or overdraft
Take out loan from other sources
Use my credit card
Sell something
Don't know
If others, (please specify) ___________________________________ 34. Level of interest in local financial services (1. Very interested 2. Fairly interested 3. Not veryinterested 4. Not at all interested 5. Not sure): Saving small amounts of money 1 2 3
4 5Take out a loan at reasonable interest 1 2 3 4 5Taking a business loan 1 2 3 4 5Advice about managing debts 1 2 3 4 5Advice on welfare benefits 1 2 3 4
5More information about financial matters 1 2 3 4 5 35. Level of interest in courses or sessions (same system of marking as in Q.34 above): Support for numbers or arithmetic 1 2 3 4 5Support with reading 1 2 3 4 5Support with expressing yourself in writing 1 2 3
4 5Support with how to operate a bank account 1 2 3 4 5Support for taking a loan 1 2 3 4 5Support for various bankable products 1 2 3 4 5 36. Level of importance in the following (1. Very important 2. Fairly important 3. Not veryimportant 4. Not at all important 5. Not sure): Bank a/c 1 2 3
4 5Small personal loan 1 2 3 4 5Credit card 1 2 3 4 5Financial counselling 1 2 3 4 5Investment advice 1 2 3 4
5Financial education 1 2 3 4 5 37. Are you satisfied with the BC/BF model or you feel the need of a bank branch at your place? Yes, satisfied No, not satisfied (please give reasons) ________________________________________________ _____________ ______________________________________________________________ _______ 38. What do you think that the Government, local bodies, banks, NGOs and others might need todo to further achieve financial inclusion? _______________________________________________ _____________________________________________________________ ____________________ _________________________________________ ______

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ANNEXURE I RBI YOUNG SCHOLAR SURVEY ON FINANCIAL INCLUSION (QUESTIONNAIRE)

Low rate of interest Good deal, good rate

Was offered/arranged by the banks

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

Training / Education loan

If p ersonal loan, purpose of the loan

Day to day living expenses or bills

To pay off other debts

If others, (please specify) ________________________

Yes, been refused credit

No, been given credit I wanted

If yes, then which one:

Credit card Debit card If others, (please specify) __________________________

Too expensive, can't afford it

Just don't bother, no real reasons

I don't have much, nothing valuable

No insurance men coming to door now

Have to have bank account

Yes, been refused credit

No, been given credit I wanted

Neither helpful nor unhelpful

Getting into difficulties

Not very worried

Not at all worried

Ask family or friends

Take out a bank loan or overdraft

Take out loan from other sources

Use my credit card

4 5Small personal loan 1 2 3 4 5Credit card 1 2 3 4 5Financial counselling 1 2 3 4 5Investment advice 1 2 3 4

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