Summer Internship Project Report

On
A Study of Job Satisfaction and Its Effect on The Performance of
Employees Working in The Jamnagar Mahila Sahkari Bank
At
The Jamnagar Mahila Sahkari Bank

Submitted to
SHRI JAYSHUKHLAL VADHAR INSTITUTE OF MANAGEMENT
STUDIES, JAMNAGAR (770)

Under the Guidance of

Prof. Poonam Shah
(Asst. Professor)

In partial Fulfilment of the Requirement of the award of the degree of

Master of Business Administration (MBA)

Offered By
Gujarat Technological University
Ahmedabad
Prepared by:
Ms. Brinda Dodiya
227700592030
MBA (Semester - III)
Month & Year:
August 2023

DODIYA BRINDA i
 Student’s Declaration

I hereby declare that the Summer Internship Project Report titled “ A

Study of Job Satisfaction and Its Effect on The Performance of
Employees Working in The Jamnagar Mahila Sahkari Bank” in The
Jamnagar Mahila Sahkari Bank is a result of my own work and my
indebtedness to other work publications, references, if any, have been duly
acknowledged. If I am found guilty of copying from any other report or
published information and showing as my original work, or extending
plagiarism limit, I understand that I shall be liable and punishable by the
university, which may include ‘Fail’ in examination or any other
punishment that university may decide.

Enrollment No. Name Signature

227700592030 Dodiya Brinda

Place: Jamnagar Date:

DODIYA BRINDA ii
DODIYA BRINDA iii
 CERTIFICATE OF EXAMINER

This is to certify that project work embodied in this report entitled “ A Study of Job
Satisfaction and Its Effect on The Performance of Employees Working in The
Jamnagar Mahila Sahkari Bank” was carried out by Dodiya Brinda and
227700592030 of The Jayshukhlal Vadhar Institute of Management Studies, Jamnagar
770

The report is approved / not approved.

Comments of External Examiner:

This report is for the partial fulfilment of the requirement of the award of the degree of Master
of Business Administration (Part-time) offered by Gujarat Technological University.

--------------------------
(Examiner’s Sign)

Name of Examiner:
External Examiner’s Institute Name:
External Examiner’s Institute Code:

Date:
Place:

DODIYA BRINDA iv
DODIYA BRINDA v
DODIYA BRINDA vi
 PREFACE

➢ My overall experience of preparing this report was a knowledgeable

journey. I learnt a lot from The Jamnagar Mahila Sahkari Bank. Apart from
this, by actually conducting this report; I also learnt practical application of
what I have been studying in overall MBA.

➢ Our university has established such a disciplined course which included

both the theoretical and practical aspect of various industrial matters to reach
this need. The knowledge and guidance about theoretical subject of
industries are given by learned professor.

➢ This report contains the overall details about The Jamnagar Mahila Sahkari
Bank. As well detailed information related to the whole company which I
collected from the various primary sources as well as from secondary
sources.

DODIYA BRINDA vii

 ACKNOWLEDGEMENT

➢ The internship opportunity I had with The Jamnagar Mahila Sahkari

Bank Was a great chance for learning and professional development.
Therefore, I consider myself as a very lucky individual as I was provided
with an opportunity to be a part of it. I acknowledge the invaluable
assistance of all my faculty member of my college.

➢ I would like to show my gratitude to Dr. Prof. Ajay Shah (Director,

JVIMS) for allowing me this opportunity to take over this project. I also
thank Prof. Poonam Shah for being supportive at all the point time and
given me guidance over this project report.

➢ I would like to use this opportunity to express my deepest gratitude to

Mr. Manoj Nanavati (CEO) who heartily welcomed me for the internship
and guided and encouraged me through the summer training. Last but not
least; I would like to thank all the staff at the bank for their precious
guidance which were extremely valuable for my study both theoretically
and practically

DODIYA BRINDA viii

 SUBJECT INDEX

Sr. No. Particulars Page No.

- Executive Summary 1
1. Industry Overview 2
1.1 Types of Banks 3
1.2 Major Players 4-5
2. Introduction of Company 6
2.1 History of Company 6
2.2 Company Logo 7
2.3 Profile of Company 8
2.4 Vision & Mission 9
2.5 Team Members 10
2.6 Swot Analysis 11
3. Literature Review 12
3.1 Abstract 12
3.2 Review of Literature 13-16
4. Introduction to Topic 17
4.1 Job Satisfaction 17
4.2 Levels of Job Satisfaction 18
4.3 Benefits of Job Satisfaction 18
4.4 Factors of Job Satisfaction 19
4.5 Methods to measure Job Satisfaction 19
5. Research Methodology 20
5.1 Research Methodology Introduction 20
5.2 Rationale of the Study 21
5.3 Statement of Problem 21
5.4 Significance of Study 22
5.5 Scope of Study 22
5.6 Research Objectives 23
5.7 Research Design 23
5.8 Type of Data 24

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5.9 Data Collection Instrument 25
5.10 Sample Size 26
5.11 Sample Unit 26
5.12 Limitations of Study 27
6. Data Interpretation and Analysis 28-49
7. Hypothesis Testing 50-53
7.1 Meaning of Hypothesis 50
7.2 Characteristics of Hypothesis 50
7.3 Types of Hypothesis 50
7.4 Hypothesis Test 51-53
8. Findings 54-55
9. Conclusion 56
10. Bibliography 57
- Questionnaire 58-61

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 APPENDIX
List of Table
Sr. No. Particulars Pg. No.

- Team Members 10

1. Gender 29

2. Marital Status 30

3. Educational Qualification 31

4. Salary 32

5. Designation 33

6. Nature of job 34

7. Benefits 35
8. Working Hours 36

9. Decision Making 37

10. Training Programmes 38

11. Job Facilities 39

12. Recommend to friends and relatives 41

13. Agree to Statement 42

14. Performance Appraisal Technique 44

15. Frequent Transfers 45

16. Relations with colleagues 46

17. Helps in Developing Career 47

18. Enjoy Working 48

19. Provide Bonus on Occasions 49

20. Summary - 1 51

21. ANOVA Table -1 51

22. Summary - 2 52

23. ANOVA Table - 2 53

DODIYA BRINDA xi
 List of Chart
Sr. No. Particulars Pg. No.

1. Gender 29

2. Marital Status 30

3. Educational Qualification 31

4. Salary 32

5. Designation 33

6. Nature of job 34

7. Benefits 35

8. Working Hours 36

9. Decision Making 37

10. Training Programmes 38

11. Job Facilities 39

12. Recommend to friends and relatives 41

13. Agree to Statement 42

14. Performance Appraisal Technique 44

15. Frequent Transfers 45

16. Relations with colleagues 46

17. Helps in Developing Career 47

18. Enjoy Working 48

19. Provide Bonus on Occasions 49

DODIYA BRINDA xii

 EXECUTIVE SUMMARY
The Jamnagar Mahila Sahakari bank is the reputed bank in the Jamnagar. The bank
works very well till date. Bank has 3 branches in Jamnagar. Mahila bank is the bank
that serves its customers in good and appropriate manner. The head office of the bank
is situated at pandit Nehru marg road of Jamnagar. In this report Indian banking history
and its types are described. And services provided by the bank is also described .

There is primary research has been done on job satisfaction and its effect on
performance of employees of The Jamnagar Mahila Sahkari Bank. Data collected
through questionnaire was about customer’s overall satisfaction and service quality of
the bank. After the research, ANOVA method was applied to test the hypothesis.

The main limitation of the research was that it was filled up only by some of the
employees of the bank. There may be a possibility that bias answers may be given by
the employees. There even be possibility that respondent sometimes may not share the
true information. Lastly, the finding and conclusion which were observed while making
project has been specified.

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 1. INDUSTRY OVERVIEW

✓ A bank is a financial institution that is licensed to accept checking and savings

deposits and make loans. Banks also provide related services such as individual
retirement accounts (IRAs), certificates of deposit (CDs), currency exchange,
and safe deposit boxes.

✓ Whereby banks play an important role in financial stability and the economy of
a country, most jurisdictions exercise a high degree of regulation over banks.
Most countries have institutionalized a system known as fractional-reserve
banking, under which banks hold liquid assets equal to only a portion of their
current liabilities. In addition to other regulations intended to ensure liquidity,
banks are generally subject to minimum capital requirements based on an
international set of capital standards, the Basel Accords.

✓ Banking in its modern sense evolved in the fourteenth century.

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 1.1 Types of Banks

1. Co-operative Bank:

➢ A co-operative bank is a small-sized, financial entity, where its members are the
owners and customers of the Bank. They are regulated by the Reserve Bank of
India (RBI) and are registered under the States Cooperative Societies Act.

➢ The Mahila Sahkari Bank is co-operative bank.

2. Nationalized Bank:

➢ A nationalized bank is a bank that is owned by central government of a country.

In India nationalized bank is also referred to as public sector banks, or scheduled
public sector banks.

3. Private Bank:

➢ Private banking consists of personalized financial services and products offered

to the high-net-worth individual (HNWI) clients of a retail bank or other
financial institution. It includes a wide range of wealth management services,
and all provided under one roof.

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 1.2 Major Players

1. Co-operative Banks:

➢ The first and foremost group is the other Co-operative Banks of the
Jamnagar city. The banks in this group are very close competitors as they
are doing the same business and are under the same regulations and
providing the similar services as provided by the Jamnagar Mahila Sahkari
Bank.

✓ The Commercial Co-operative Bank Ltd.

✓ Jamnagar Peoples Co-operative Bank Ltd.
✓ Nawanagar Co-operative Bank Ltd.
✓ The Co-operative Bank of Rajkot Ltd.

➢ Out of the above-mentioned banks the major competitors are the

Commercial Cooperative Bank and Jamnagar Peoples Co-operative Bank.

2. Nationalized bank:

➢ The next group of the competitors of the Jamnagar Mahila Sahkari Bank is the
Nationalized Banks. This group consists of the banks which are undertaken by
the Government and which provide services all over the country. These banks
are the dominant players in the industry. Some of such banks are:

✓ UCO Bank
✓ Bank of Baroda
✓ State Bank of India
✓ Central Bank of India
✓ Dena Bank

✓ Union Bank

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3. Private Bank

➢ Private Banks are banks that are not incorporated i.e., a non-incorporated
bank is owned either by an individual or a general partner(s) with limited
partner(s). This group consists some of the following mentioned banks: The
third group of the competitors is the Private Sector Banks.

✓ HDFC Bank
✓ ICICI Bank

✓ Axis bank

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 2. INTRODUCTION OF COMPANY
2.1 History of The Company

✓ The Mahila Sahkari Bank was founded by Urmiben Mehta in 1994, with
the objective of empowering women. She was the chairperson of the
bank and also one of its directors.

✓ The bank has two regulatory. Reserve Bank of India & Co-Operative
Society Act,1961.

✓ On 2nd December 1994, The Mahila Sahkari Bank got Registration done
which in Co-operative Society.

✓ On 6th September 1995, The Mahila Sahkari Bank got License From
RBI.

✓ After that, on 5th October 1995, The Mahila Sahkari Bank Finally
Started the Operations.

✓ It also got losses of Rs. 1.60 Crore and at that time they have attended a
meeting with RBI and tried to recover those losses with an action plan.
And they get succeed also.

✓ This Bank have 3 branches in Jamnagar with 22 employees working

over there.

✓ They also form policy and uses computerized systems in bank.

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2.2 Company Logo

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 2.3 Company Profile
➢ Name of Company : The Jamnagar Mahila Sahkari Bank

➢ Establishment : 1994

➢ CEO : Mr. Manoj Nanavati

➢ FOUNDER : Urmiben Mehta

➢ Address (Main Branch) : Manek Center, Pandit Nehru Marg,

Jamnagar.

➢ Other Branch : Darbar Gadh, Ashapura Road,

Jamnagar.

➢ Other Branch :1st Floor, Swastik Complex,

Ranjit Nagar, Jamnagar.

➢ Location : Jamnagar City

➢ Business Type : Banking

➢ Form Of Organization : Co-operative Urban Bank

➢ No. Of Employees : 22

➢ Working Hours : 10:00 AM to 5:30 PM

➢ Weekly Off : As Per NI Act

DODIYA BRINDA 8
 2.4 Vision and Mission

✓ Vision

➢ To get profit with the help of banking activities and utilize it to increase the
financial position and use it in the well-being of society.

➢ Encourage supporting activities.

➢ To give developing services to customer with new ideas.

➢ To increase the standard of living of the women who lives under poverty line
with the help of credit schemes.

✓ Mission
➢ To fulfill the financial requirements of needy women of Jamnagar and make
them financially independent.

➢ To make women financially independent and help them to get equal position
with men in society and give them equal opportunities.

➢ To make women give another support.

➢ To give women upper position in society and give them safety.

➢ To include women in development of country.

DODIYA BRINDA 9
 2.5 Team Members

Managers Current Auditors Legal Advisors

Mrs. Vishakha - -
Vasavada
Mrs. Shital Dadia A. M. Fofariya & Mr. Mohsinbhai
CO. Baloch
Mr. Jayendra - Mr. Ketanbhai P.
Bhayani Joshi
Mrs. Amita Raval - Mr. Kapilbhai
Vasiyar
Mrs. Sangita Trivedi - Mr. Nalinbhai Shukla
Mrs. Shila - -
Raimangya

Name Designation
Mrs. Shetalben Sheth Chairperson
Mrs. Shirinben Bloch Vice Chairperson
Mrs. Urmiben Mehta Managing Director
Mrs. Pragnaben Gujarati Director
Mrs. Ushaben Babariya Director
Mrs. Rekhaben Gohel Director
Mrs. Saharaben Makwana Director
Mrs. Hansaben Bathani Director
Mrs. Nimishaben Trivedi Director
Mr. Manojkumar Nanavati Chief Executive Officer (CEO)

DODIYA BRINDA 10
 2.6 SWOT Analysis

✓ S-Strength

➢ The co-operative nature of bank.

➢ Supports women empowerment.

✓ W-Weakness

➢ Does not provide internet banking and ATM facilities.

➢ First priority is always given to women for shares.

✓ O-Opportunities

➢ Can increase the number of customers and branches in future.

✓ T-Threats

➢ The competitors are either private bank or public bank and does not support
women empowerment.

DODIYA BRINDA 11
 3. LITERATURE REVIEW
3.1 Abstract
➢ In today's competitive employees job satisfaction, involvement and
engagement are important for business sustainability.

➢ Co-operative banks are small-sized units organized in the co-operative sector

which operate both in urban and non-urban regions.

➢ The Jamnagar Mahila Bank operate in urban region only.

➢ In the past 10 years, there has been a noticeable fluctuation in employees’

overall satisfaction with their jobs within banking sector of India.

➢ This fluctuation could be attributed to change within the workplace as well as

economic and social trends.

➢ The present study was aimed to focus on comparison of employee satisfaction

and its performance. For the present study, total sample was taken as 20
employees from all the branches of The Jamnagar Mahila Sahkari Bank.
Educational level of employees was minimum graduation.

➢ This also includes factors like salary of employees, performance appraisal

system, strategies and employee’s relationship with their co-workers and
employer.

DODIYA BRINDA 12
 3.2 Review of Literature

Aarti Chahal, Seema Chahal, Bhawna Choudhry, Jyoti Chahal (August 2013):
Job Satisfaction Among Bank Employees Researcher describes that employee
working in respective area mostly belongs to the age group of 30-50 and most of them
are married. Female employees working in the respective area are approximately half
of the working male and most of them are graduates distributed along different-different
designations. Factors like working environment of the employees, performance
appraisal techniques, relationship with other employees and grievance handling and
safety provisions are contributing towards job satisfaction.

Nidhi Saxena, Dr. Ravindra Kumar (March 2022): Impact of Work Life Balance
on Job Satisfaction The research indicates that there is positive relationship exists between
work life balance and job satisfaction among married working women in the banks of NCR.
The work life balance is measured on five organizational factors namely Work Load, Work
Autonomy, Social Support at workplace, Work Family Conflict, WLB Policies. The result
indicates that except Work Family Conflict all four factors are positively related to job
satisfaction. 72% respondent feels that there is a job security in banking sector whereas 11%
women feels that it is the most secure workplace for women because there is less gender
discrimination in compare with other service sector.

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Brijmohan A. Vyas, Pallavi Muppayyanamath (August 2022): A study on
Employee Job Satisfaction in DCC Bank at Bagalkot District From the research it
can be said that employees are satisfied with working environment and interpersonal
relationship in the bank, training programs and career growth opportunities employees
are satisfied but with some constraints which can be improved as given in the
suggestions. Hence, if banks look into those suggestions, then there may be still better
growth in the organization as well as the enhance individual performance towards their
work and thus, there will be good productivity of the bank. By this study researcher
conclude that, employee job satisfaction is very important in the organization, so that
management should take care of their employees that will leads to employee morale,
performance as well as organization productivity in the competitive world.

Dr. Yogita Satish Garwal, Mohini Paul, Dr. Brajesh Kumar, Dr. Arokia Raj (
October 2022): A Preliminary Study of Job Satisfaction Among Women
Employees in Banking Sector of Delhi Ncr, Sonepat of Haryana the Researcher
finds that the level of job satisfaction of married women employees, it is found that
overall job satisfaction is significant and very weakly negative correlated. Sub factors
of job satisfaction i.e., pay, supervision, contingent condition, nature of work and
communication are also weak and negative correlated. Whereas fringe benefit is
significant and weakly positive correlated. Promotion, operational condition and co-
workers are not significant and no relation found with job satisfaction. Number of
children is found negative correlated with job satisfaction as increase number of
children decreases the level of job satisfaction of women employees. Number of
dependents is positive significant with their level of job satisfaction as through their job
they are able to meet their and their dependents financial responsibility which give them
high level of satisfaction and feel the importance of the job.

Weaver (1978) finds that the more husband earns, the more satisfied women are with
their own jobs because of the greater choice they have to work or not. This suggest that
women with higher earning husbands may also be more intrinsically motivated and
more involved in their jobs than women with lower earning husbands because they are
more likely to work for reasons other than financial ones.

DODIYA BRINDA 14
Dolan and Gosselin (2000) did research to investigate the impact of the “social
demographic indicators on life and work satisfaction” using the ANOVA analysis and
a contradictory result is discovered proving that “marital status does not explain
differences in job satisfaction”. However, out of the ordinary result was found, showing
that marital status was instead greatly affecting life satisfaction allowing them to
conclude that those “married (i.e., couple situation) are significantly happier in life
(higher life satisfaction) than singles of all kinds”.

Dr. VRS Babu Yalamarthi (2021): Job satisfaction of employees in District

Cooperative Central Bank, West Godavari District. Employee job satisfaction is a
crucial tool at workplace environment. This study main focus is to measure the level of
satisfaction of employees of DCCB West Godavari and Factors influencing on job
satisfaction. In all the banks employees are the valuable asset. For this study researcher
used Primary data collected through survey method and Secondary data collected from
Research papers, Case study, Magazines. The study reveals that most of the employee
are satisfied with their job. But still there are some weaknesses existing in context of
work, growth, reward related and interpersonal relations aspects. From this study
researcher come to know that, if employees work properly with their respective
designations, then organization can easily accomplish the target. If the organization
aims to get more work from employees, then organization need to give proper attention
to enhance employee job satisfaction level.

Prakash Yalavatti (2019): study on employee job satisfaction in co-operative

banks in Koppal District. In this study researcher wants to know the variables
influence on employee job satisfaction level in Koppal district co-operative banks. Here
researcher used primary data. Interpretation and analysis have done with two parts such
as, demographic factors and employee job satisfaction. From this analysis and
interpretation, researcher found that employees are satisfied towards relationship with
co-workers as well as with employers but not satisfied with workload, transfer system.

DODIYA BRINDA 15
The study concluded with, there is a lot of variation in satisfaction level of employees.
So, organization should take utmost care and develop strategies to become top one
profit making bank in competitive era.

Shakya Anu, Devi Rama (2016): study the work stress in banking sector in Nepal.
The study reveals that bankers are under a great deal of pressure. Working hours,
ineffective compensation system, lack of intrinsic factors, inadequate empowerment &
insufficient development opportunities, role overload, inadequate time available for
himself and his family are the major factors causing work stress for bank employees.
During research It was also found that there is no significant difference in stress level
experienced by bank employees in private and public sectors in Nepal.
Lopes Caral, Kachalia Dhara (March, 2016): A Study to find the relationship
between the job stress and job performance of employees in banks of Mumbai.
The result shows that job stress had a negative relation with job performance that when
stress occurs it effects the performance of employees negatively, that lower the stress it
increases the performance so both these are inversely proportional each other. The study
clearly found that there is a significant relationship between type of the banks, gender,
age, education, job role, interpersonal relationships and impact of occupational stress.
To decrease the level of stress the banking sector employees must adopt new coping
strategies for maintaining good physical and mental condition which will improve
productivity level of the bank.

Kottawatta. H., Arunika MMA (2015): A study to find the effect of work life
balance on employee job satisfaction among non-executives in the public banking
sector in Colombo district. The results of the study emphasized that there was a
negative relation of work life balance with job. Except job autonomy, work to family
interference, family to work interference, work stress, life stress and work load were
negatively correlated with job satisfaction so the bank management has to introduce
various strategies to reduce the conflicts of work life of non-executives for the purpose
of getting maximum contribution

DODIYA BRINDA 16
 4. INTRODUCTION TO TOPIC
a. Job Satisfaction

➢ Job satisfaction is described as how employees feel engaged and fulfilled in

their work. It is the employees’ level of satisfaction with their job. Job
satisfaction occurs when employees feel that their job is secured and safe.

➢ Employees’ career development and comfortable work-life balance affect job

satisfaction levels. Furthermore, job satisfaction is also affected by employees’
ability to perform their essential duties, the organization’s quality of
communication, and how management treats them.

DODIYA BRINDA 17
 4.2 Levels of Job Satisfaction
✓ There are two levels of job satisfaction effective job satisfaction and cognitive
job satisfaction.

1. Effective job satisfaction refers to an individual’s holistic emotional reaction

about their job.

2. Cognitive job satisfaction refers to how fulfilled an individual is with their

employment. These include areas such as income, working hours, or perks.

4.3Benefits of Job Satisfaction

➢ Decreases employee turnover.

➢ Reduces employee absenteeism.

➢ Boosts employees’ work performance and productivity level.

➢ Creates a conducive working environment.

➢ Generates faster and more sustainable growth as well as increased

revenues.

➢ Increased customer/client satisfaction.

DODIYA BRINDA 18
 4.4 Factors of Job Satisfaction

➢ Respect
➢ Trust
➢ Security
➢ Healthy work environment
➢ Salary and Benefits

4.5 Methods to measure job satisfaction

➢ Schedule one-on-one meetings

✓ 1-on-1 meetings allow you to grasp the needs and problems of each employee
better. Employees will feel more supported and express their thoughts during a
face-to-face meeting. You will obtain valuable information about the workplace
when you listen to them.

➢ Conduct Surveys

✓ Surveys are one of the most effective ways to measure job satisfaction among
employees and the culture in your workplace. Pulse surveys are one approach
that companies are currently using to obtain employee data.

➢ Employee Performance Review

✓ Employee performance reviews are essential for both employees and the
organization. Employee performance reviews have several advantages when
effectively implemented.

✓ It helps in tracking your employees’ progress and performance objectives for

the overall success of your organization. Performance management software
can show you which employees are the top and least performing.

DODIYA BRINDA 19
 5. RESEARCH METHODOLOGY

5.1 Research Methodology Introduction

✓ Research methodology is a method to solve the research problem
systematically. It involves gathering data, use of statistical techniques,
interpretations and drawing conclusions about research data. Keeping in view
the objectives of the study, data is collected from different sources

✓ The current research study on employee satisfaction and its effect on

performance about The Mahila Sahkari Bank is based on primary data collection
from 22 respondents. Employees of The Mahila Sahkari Bank are respondents
of these. I designed questionnaire to collect different review from the
respondents. The questionnaire is all about job satisfaction of employees which
includes factors like working hours, salary, working environment etc.

DODIYA BRINDA 20
 5.2Rational For the Study
➢ The rational for the study explains the reason why the study was conducted or
why the study should be conducted.

➢ This study is conducted to know the job satisfaction level of employees working
in The Jamnagar Mahila Sahkari Bank.

➢ This study aims to know the problems faced by the employees as well as
benefits they get from the bank.

➢ This study will help to improve job satisfaction and solve the problems the
employees are facing.

5.3Statement of the Problem

➢ A problem statement is a description to be addressed or a condition to be
improved upon. It identifies the gap between current problem and goal.

➢ This study attempts to answer the following questions:

✓ Is there any relationship between satisfaction of employees and its

performance?
✓ Are the employees satisfied with the bank?
✓ Do employees get all the benefits and perks that are needed?
✓ Does the bank help the employees in the development of their career?

DODIYA BRINDA 21
 5.4Significance of the Study
✓ Significance of the study in research refers to the potential importance,
relevance, or impact of the research findings. It outlines how the research
contributes to the existing body of knowledge, what gaps it fills, or what
new understanding it brings to a particular field of study.

✓ It is significant to study whether employees are satisfied or dissatisfied,

committed or not committed in their job because it has been proven that
employees who are much more satisfied will more likely to show positive
thoughts, feelings, and action towards their job and it would increase their
organizational commitment.

✓ It is also important to know whether there is any relationship between job

satisfaction and performance of employees, it will be huge benefit to
employers as well as employees.

5.5Scope of The Study

➢ The scope of the study refers to the boundaries within which your research
project will be performed; this is sometimes also called the scope of research.
To define the scope of the study is to define all aspects that will be considered
in your research project. It is also just as important to make clear what aspects
will not be covered; i.e., what is outside of the scope of the study.

➢ With the help of this research one can know whether the employees are satisfied
with their job and does it affect their performance. This study is only based on
The Jamnagar Mahila Sahkari Bank Employees.

DODIYA BRINDA 22
 5.6 Research Objective
➢ Research objectives describe what your research is trying to achieve and explain
why you are pursuing it. They summarize the approach and purpose of your
project and help to focus your research.

➢ The research objectives of this study are mentioned below:

1. To know the job satisfaction level of employees.

2. To know the factors that is to be considered to satisfy the employees with their
job.
3. To know whether the working environment needs any changes or not according
to the responses of employees.

5.7 Research Design

✓ Research design is the blueprint for fulfilling research objectives and answering
questions. All researches can be broadly classified into three groups:
exploratory research, descriptive research, and causal research.

✓ In this study I have used descriptive research it is also of two types. Cross
sectional and longitudinal study. Cross sectional is a study in which information
is collected at only one point of time. In Longitudinal study information is
collected over a period of time. In this study I have used Cross sectional Study.

DODIYA BRINDA 23
 5.8 Type of Data
✓ There are two types of data:
1. Primary Data
2. Secondary Data

1. Primary Data:
➢ Primary data means original data that has been collected specially for the
purpose in mind. It means someone collected the data from the original source
first hand. Data collected this way is called primary data.

2. Secondary Data:
➢ Secondary data is the data that has been already collected by and readily
available from other sources. When we use Statistical Method with Primary
Data from another purpose for our purpose, we refer to it as Secondary Data.

✓ In this study I have collected primary data.

DODIYA BRINDA 24
 5.9 Data Collection Instrument

QUESTIONNAIRE:

➢ A questionnaire is a research instrument consisting of a series of questions and

other prompts for the purpose of gathering information from respondents.

➢ Questionnaires or social surveys are a method used to collect standardized data

from large numbers of people i.e., the same information is collected in the same
way.

➢ They are used to collect data in a statistical form. Researchers usually use
questionnaires or surveys in order that they can make generalizations; therefore,
the surveys are usually based on carefully selected samples.

➢ Postal questionnaire can be used, whereby a questionnaire is posted to the

sample group and returned to the researcher by a specified time and date
administration of a questionnaire to a group is adoption.

➢ Telephone questionnaire Email questionnaire here, in our research

Questionnaires are filled by the employees of JMSB.

DODIYA BRINDA 25
 5.10 Sample Size

➢ The selected people chosen for participation in a study is sample. The Sample
size is which the number of observations in a sample.

➢ In this study, sample size will cover 22 respondents. The sample size in this
study is 22.

5.11 Sample Unit

➢ Sampling unit is a single section selected to research and gather statistics of the
whole.

➢ This study is concerned, sampling unit will be the employees of The Jamnagar
Mahila Sahkari Bank.

DODIYA BRINDA 26
 5.12 Limitations of The Study
✓ Limitations in research refer to the factors that may affect the
results, conclusions, and generalized of a study. These limitations can arise from
various sources, such as the design of the study, the sampling methods used, the
measurement tools employed, and the limitations of the data analysis
techniques.

✓ The limitations of this study are mentioned below:

➢ Job satisfaction analysis is limited to 22 respondents only.

➢ Research is conducted in Jamnagar city only.
➢ Interpretation of this study is based on the assumption that the respondent has
given correct information.
➢ This research is only done to know the satisfaction of employees not all factors
are mentioned.
➢ This research is for The Jamnagar Mahila Sahkari Bank only not for all the bank.

DODIYA BRINDA 27
 6. DATA INTERPRETATION AND ANALYSIS

➢ Data analysis and interpretation is a stage in the research process that involves
examining, uncovering, and summarizing patterns and trends in the data.

➢ It also involves assigning meaning to the data and drawing or proposing

conclusions to answer research questions and support decision making.

➢ Data analysis and interpretation can be done using various tools and methods
such as data management and visualization, modeling and machine learning
with different programming language such as SAS or Python.

DODIYA BRINDA 28
1.Gender
Table – 1
Gender Respondent
Male 13.6%
Female 86.4%
Prefer Not to Say 0
Total 100%

Chart -1

Interpretation:
The data represented in above table and pie-chart shows respondent’s gender. In these
questions the percentage represent the number of people who gave the particular answer
because 22 people in Jamnagar Mahila Sahkari Bank are surveyed and total percentage
is 100%. The data in above table and chart indicated that 13.6% respondents are male
and 86.4% respondents are female. We can interpret that the majority of employees are
female in The Jamnagar Mahila Sahkari Bank.

DODIYA BRINDA 29
2.Marital Status:
Table – 2
Marital Status Respondents
Married 31.8%
Unmarried 68.2%
Total 100%

Chart-2

Interpretation:
The data in above table and pie chart shows the employees marital status. The data
indicates that 31.8% respondents are married. 68.2% respondents are unmarried. We
can interpret the maximum employees of the bank are Unmarried.

DODIYA BRINDA 30
3.Educational Qualification:
Table-3
Educational Qualification Respondents
Under Graduate 9.1%
Graduate 45.5%
Post Graduate 40.9%
Any Specialization 4.5%
Total 100%

Chart-3

Interpretation:
The data represented in above table and pie-chart shows the education of employees in
Jamnagar Mahila Sahkari Bank. 9.1% people are under graduate. 45.5% people are
graduate. 40.9% people are post graduate. While 4.5% people are having any
specialization. We can interpret that majority of employees have educational
qualification of graduation.

DODIYA BRINDA 31
4.Salary:
Table-4
Salary Respondents
10,000 – 25,000 59.1%
25,000 – 40,000 27.3%
40,000 – 55,000 4.5%
55,000 or above 9.1%
Total 100%

Chart-4

Interpretation:
The data represented in above table and pie-chart shows the monthly salary of
employees in Jamnagar Mahila Sahkari Bank. As per chart we can say that 59.1%
employee’s salary are from 10,000 to 25,000 .27.3% employee’s salary are from
25,000 to 40,000. 4.5% employee’s salary are from 40,000 to 55,000. 9.1% employee’s
salary are from 55,0000 or above. So, we can interpret that majority of employees have
salary from 10,000 to 25,000.

DODIYA BRINDA 32
5.Designation:
Table-5
Designation Respondents
Accountant 27.3%
Cashier 31.8%
Clerk 13.6%
Manager 13.6%
Other 13.7%
Total 100%

Chart-5

Interpretation:
The data represented in above table and pie-chart shows the designation of employees
in Jamnagar Mahila Sahkari Bank. As per chart we can say that 27.3% are accountant.
31.8% are cashier. 13.6% are clerk. 13.6% are manager. 13.7% are from other. So, we
can interpret that almost employees have designation as accountant in The Jamnagar
Mahila Sahkari Bank.

DODIYA BRINDA 33
6.Are you satisfied with the nature of job?
Table-6
Level of Satisfaction Respondents
1 Dissatisfied 9.1%
2 0
3 18.2%
4 31.8%
5 Satisfied 40.9%
Total 100%

Chart-6

Interpretation:
The data represented in above table and column-chart shows the level of satisfaction of
employees towards nature of job in Jamnagar Mahila Sahkari Bank. As per chart we
can say that 9.1% of employees are Highly dissatisfied with nature of job. No one is
dissatisfied. 18.2% of employees are neutral neither dissatisfied nor satisfied with the
nature of job. 31.8% of employees are Satisfied with the nature of job. 40.9% of
employees are fully satisfied with the nature of job. So, we can interpret that from all
employees’ maximum employees are fully satisfied with their nature of job.

DODIYA BRINDA 34
7.Benefits:
Table-7
Benefits Respondents
Insurance 59.1%
Medical Allowances 54.5%
Paid sick leave 45.5%
Paid Holidays 31.8%
Free Drinks 40.9%
Other 4.5%

Chart-7

Interpretation:
The data represented in above table and bar-chart shows the benefits of employees get
from Jamnagar Mahila Sahkari Bank. As per chart we can say that 59.1% of employees
says that they get insurance benefits. 54.5% of employees says that they get medical
allowances from bank. 45.5% of employees says that they get paid sick leave. 31.8%
of employees says that they get paid holidays. 40.9% of employees says that they get
free drinks. So, we can interpret that maximum employees gets benefits of employees
and minimum employees get benefits of paid holidays.

DODIYA BRINDA 35
8.Satisfied with Working Hours?
Table-8
Satisfied Respondents
Yes 90.9%
No 4.5
Maybe 4.6
Total 100%

Chart-8

Interpretation:
The data represented in above table and bar-chart shows that the employees of Jamnagar
Mahila Sahkari Bank are satisfied with working hours. As per chart we can say that
90.9% of employees are satisfied with the working hours. 4.5% of employees are not
satisfied with working hours. 4.6% of employees are may be satisfied. So, we can
interpret that among all employees almost maximum are satisfied with working hours.

DODIYA BRINDA 36
9.Can you take part in the decision-making process in your bank?
Table-9
Take Part Respondents
Yes 54.5%
No 13.6%
Maybe 31.8%
Total 100%

Chart-9

Interpretation:
The data represented in above table and pie-chart shows that the employees of Jamnagar
Mahila Sahkari Bank can take part in decision making. As per chart we can assume that
54.5% of employees says that they can take part in decision making. 13.6% of
employees says that they cannot take part decision making. 31.8% of employees says
that maybe they can take part in decision making. So, we can interpret that maximum
employees agrees that they can take part in decision making.

DODIYA BRINDA 37
10. Does your bank provides training programmes?
Table-10
Provides Training Respondents
Yes 86.4%
No 4.5%
Maybe 9.1%
Total 100%

Chart-10

Interpretation:
The data represented in above table and pie-chart shows that the Jamnagar Mahila
Sahkari Bank provides training programmes. As per chart we can say that 86.4% of
employees confirms that the bank provides training programmes. 4.5% of employees
says that bank does not provides training programmes. 9.1% of employees says maybe
bank provides training programmes. So, we can interpret that majority of employees
says that bank provides training programmes.

DODIYA BRINDA 38
 11. Please rate the job facilities given below.
Table-11
Ranking Worst Poor Average Good Excellent Total
Safety 4.5% 0 13.6% 27.4% 54.5% 100%
Working Condition 4.5% 9.2% 4.5% 50% 31.8% 100%
Relation b/w mgmt.& 0 4.5% 13.6% 45.5% 36.4% 100%
employees
Welfare facilities 4.5 4.5% 9% 59.3% 22.7% 100%
%
Promotion Method 4.5% 4.5% 18.3% 31.8% 40.9% 100%

Chart-11

Interpretation:
The data represented in above table and column-chart shows the ratings of employees
of The Jamnagar Mahila Sahkari Bank towards job facilities.

Safety:
4.5% of employees ranked safety as worst. No one ranked as poor. 13.6% of employees
ranked safety as average. 27.4% ranked safety as good. 54.5% of employees ranked
safety as excellent. So, we can interpret that maximum number of employees ranked
safety as excellent.

DODIYA BRINDA 39
Working Condition:
4.5% of employees ranked working condition as worst. 9.2% ranked working condition
as poor. 4.5% of employees ranked working condition as average. 50% ranked working
condition as good. 31.8% of employees ranked working condition as excellent. So, we
can interpret that working condition is good in bank according to the responses.

Relation b/w mgmt. and employees:

No one ranked Relation b/w mgmt. and employees as worst. 4.5% ranked Relation b/w
mgmt. and employees as poor. 13.6% of employees ranked Relation b/w mgmt. and
employees as average. 45.5% ranked Relation b/w mgmt. and employees as good.
36.4% of employees ranked Relation b/w mgmt. and employees as excellent. So, we
can interpret that Relation between Management and employees is good.

Welfare Facilities:
4.5% of employees ranked welfare facilities as worst. 4.5% ranked welfare facilities as
poor. 9% of employees ranked welfare facilities as average. 59.3% ranked welfare
facilities as good. 22.7% of employees ranked welfare facilities as excellent. So, we can
interpret that the bank provides good welfare facilities.

Promotion Method:
4.5% of employees ranked promotion method as worst. 4.5% ranked promotion method
as poor. 18.3% of employees ranked promotion method as average. 31.8% ranked
promotion method as good. 40.9% of employees ranked promotion method as excellent.
So, we can interpret that the bank has excellent promotion method.

DODIYA BRINDA 40
12. Will you recommend this bank to your friends and relatives?
Table-12
Recommend Respondents
Yes 86.4%
No 9.1%
Maybe 4.5%
Total 100%

Chart-12

Interpretation:
The data represented in above table and pie-chart shows that the employees of Jamnagar
Mahila Sahkari Bank will recommend this bank to their friends and relatives. As per
chart we can say that 86.4% of employees will recommend this bank to their friends
and relatives. 9.1% of employees will not recommend this bank to their friends and
relatives. 4.5% of employees maybe recommend this bank to their friends and relatives.
So, we can interpret that majority of employees will recommend this bank to their
friends and relatives.

DODIYA BRINDA 41
 13. Do you agree with the following statement?
Table-13
Agree Strongly Disagree Neutral Agree Strongly Total
Disagree Agree
Job security is good in 13.6% 0 18.2% 45.5% 22.7% 100%
our bank
Culture of bank is 4.5% 4.5% 27.3% 36.4% 27.3% 100%
excellent
Current Salary 4.5% 9% 18.2% 50% 18.2% 100%
provided is worth to
work
Motivation 10% 4.5% 31.8% 40.1% 13.6% 100%
programmes is
excellent
Promotion method is 9% 4.5% 27.3% 31.9% 27.3% 100%
done without any
discrimination

Chart-13

Interpretation:
The data represented in above table and column-chart shows that employees of The
Jamnagar Mahila Sahkari Bank agree the given statement.

DODIYA BRINDA 42
Job Security is Good in Our Bank:
13.6% of employees strongly disagree to the statement. No one disagree to the
statement. 18.2% of employees neutral to the statement. 45.5% agree to the statement.
22.7% of employees ranked strongly agree to the statement. So, we can interpret that
majority of employees agree to the statement.
Culture of Bank is Excellent:
4.5% of employees strongly disagree to the statement. 4.5% of employees disagree to
the statement. 27.3% of employees neutral to the statement. 36.4% agree to the
statement. 27.3% of employees ranked strongly agree to the statement. So, we can
interpret that majority of employees agree to the statement.

Current Salary provided is Worth to Work:

4.5% of employees strongly disagree to the statement. 9% of employees disagree to the
statement. 18.2% of employees neutral to the statement. 50% agree to the statement.
18.2% of employees ranked strongly agree to the statement. So, we can interpret that
majority of employees agree to the statement.

Motivation Programmes is excellent:

10% of employees strongly disagree to the statement. 4.5% of employees disagree to
the statement. 31.8% of employees neutral to the statement. 40.1% agree to the
statement. 13.6% of employees ranked strongly agree to the statement. So, we can
interpret that majority of employees agree to the statement.

Promotion Method is Done without any Discrimination:

9% of employees strongly disagree to the statement. 4.5% of employees disagree to
the statement. 27.3% of employees neutral to the statement. 31.9% agree to the
statement. 22.3% of employees ranked strongly agree to the statement. So, we can
interpret that majority of employees agree to the statement.

DODIYA BRINDA 43
14. Are you satisfied with the performance appraisal technique in
your bank?
Table-14
Satisfied Respondents
Highly Satisfied 13.6%
Satisfied 50%
Neutral 36.4%
Dissatisfied 0
Highly Dissatisfied 0
Total 100%

Chart-14

Interpretation:
The data represented in above table and pie-chart shows that the employees of Jamnagar
Mahila Sahkari Bank are satisfied with performance appraisal technique. As per chart
we can say that 13.6% of employees are highly satisfied with performance appraisal
technique. 50% of employees are satisfied with performance appraisal technique.
36.4% of employees are neutral with performance appraisal technique. No one is
dissatisfied as well as highly dissatisfied. So, we can interpret that maximum number
of employees are satisfied with performance appraisal technique.

DODIYA BRINDA 44
15. Do you face problem of frequent transfers in your bank?
Table-15
Face Problem Respondents
Yes 27.3%
No 54.5%
Maybe 18.2%
Total 100%

Chart-15

Interpretation:
The data represented in above table and pie-chart shows that the employees of Jamnagar
Mahila Sahkari Bank faces problem of frequent transfers. As per chart we can say that
27.3% of employees faces problem of frequent transfers. 54.5% of employees does not
face problem of frequent transfers. 18.2% of employees maybe face problem of
frequent transfers. So, we can interpret that majority of employees does not face
problem of frequent transfers.

DODIYA BRINDA 45
16. How are your relations with your colleagues?
Table-16
Relations Respondents
Excellent 31.8%
Good 68.2%
Poor 0
Total 100%

Chart-16

Interpretation:
The data represented in above table and pie-chart shows the relations of the employees
of Jamnagar Mahila Sahkari Bank with their colleagues . As per chart we can say that
31.8% of employees have good relations with colleagues. 68.2% of employees have
good relations with colleagues. No one have poor relations with colleagues. So, we can
interpret that majority of employees have good relations with colleagues.

DODIYA BRINDA 46
17. Does your bank helps you in developing your career?
Table-17
Helps Respondents
Yes 90.9%
No 9.1%
Maybe 0
Total 100%

Chart-17

Interpretation:
The data represented in above table and pie-chart shows that the Jamnagar Mahila
Sahkari Bank helps in developing career of employees. As per chart we can say that
90.9% of employees says that bank helps in developing career. 9.1% of employees says
that bank does not helps in developing career. So, we can interpret that maximum
employees says that bank helps in developing career.

DODIYA BRINDA 47
18. Do you enjoy working in your bank?
Table-18
Enjoy Respondents
Yes 90.9%
No 9.1%
Maybe 0
Total 100%

Chart-18

Interpretation:
The data represented in above table and pie-chart shows that the employees of Jamnagar
Mahila Sahkari Bank enjoy working. As per chart we can say that 90.9% of employees
says that they enjoy working in bank. 9.1% of employees says that bank does not enjoy
working in bank. So, we can interpret that majority of employees says that they enjoy
working in bank.

DODIYA BRINDA 48
19. Does your bank provide bonus on occasions?
Table-19
Enjoy Respondents
Yes 86.4%
No 13.6%
Total 100%

Chart-19

Interpretation:
The data represented in above table and pie-chart shows that the Jamnagar Mahila
Sahkari Bank provides bonus on occasions. As per chart we can say that 86.4% of
employees says that bank provides bonus on occasions. 13.6% of employees says that
bank does not provide bonus on occasions. So, we can interpret says that the bank
provides bonus on occasions.

DODIYA BRINDA 49
 7.HYPOTHESIS TESTING
7.1Meaning of Hypothesis
➢ Hypothesis is the assumption about population parameter which may be right
or wrong. It indicates the expectations of the researcher regarding certain
variables. Hypothesis is tested by collecting information from sample.

7.2Characteristics of Hypothesis

▪ Should be simple, specific and conceptually clear

▪ Should be capable of verification.
▪ Should be related to research objectives and problem

7.3Types of Hypothesis

❖ Descriptive Hypothesis:
➢ They state the existence, size, form or distribution of some variables.

❖ Relational Hypothesis:
➢ Hypothesis about the relationship between two variables
➢ Two types of relational hypothesis are mentioned below:

✓ Correlational Hypothesis : State that two variables are related without

implying that one variable cause or leads to another variable.

✓ Explanatory hypothesis : State that change in one variable cause or leads to

change in another variable. Assumption about cause-and-effect relationship
between two variables.

❖ Null Hypothesis:
➢ Assumption we wish to test is called null hypothesis. Denoted as H0.

❖ Alternative Hypothesis:
➢ When we reject null hypothesis the conclusion, we do accept is called
alternative hypothesis.

DODIYA BRINDA 50
 7.4 Hypothesis Test
ANOVA:-
Hypothesis Testing – 1 :-
H0 : There is no relationship between job facilities and job satisfaction
H1 : There is relationship between job facilities and job satisfaction
Anova: Single Factor

SUMMARY - 1
Groups Count Sum Average Variance
Safety 22 94 4.272727 1.064935
Working
Condition 22 87 3.954545 1.188312
Relation between
Management &
Employees 22 91 4.136364 0.694805
Welfare
Facilities 22 86 3.909091 0.943723
Promotion
Method 22 88 4 1.238095

ANOVA - 1
Source of SS df MS F P-value F crit
Variation
Between 1.945455 4 0.486364 0.474051 0.754683 2.45821
Groups (Calculated) (Table)

Within Groups 107.7273 105 1.025974

Total 109.6727 109

At 5% significant level, using ANOVA calculated value is 0.47 while tabulated value
is 2.458 so, H0 is accepted and H1 is rejected.

DODIYA BRINDA 51
Interpretation:
So, with this hypothesis of ANOVA, we can interpret that There is no relationship
between job facilities and job satisfaction.

Hypothesis Testing – 2 :-
H0 : There is no significant difference in the opinion about different factors related to
job satisfaction
H1 : There is significant difference in the opinion about different factors related to job
satisfaction
Anova: Single Factor

SUMMARY - 2
Groups Count Sum Average Variance
Job Security is
good in our
bank 22 80 3.636364 1.575758
Culture of bank
is excellent 22 83 3.772727 1.136364
Current Salary
provided is
worth to work 22 81 3.681818 1.084416
Motivation
programs are
excellent 22 76 3.454545 1.212121
Promotion
method is done
without any
discrimination 22 80 3.636364 1.480519

DODIYA BRINDA 52
ANOVA -2
Source of SS df MS F P-value F crit
Variation
Between 1.181818 4 0.295455 0.227652 0.92236 2.45821
Groups (Calculated) (Table)

Within Groups 136.2727 105 1.297835

Total 137.4545 109

At 5% significant level, using ANOVA calculated value is 0.227 while tabulated value
is 2.458 so, H0 is accepted and H1 is rejected.

Interpretation:
So, with this hypothesis of ANOVA, we can interpret that There is no significant
difference in the opinion about different factors related to job satisfaction

DODIYA BRINDA 53
 8. FINDINGS
➢ At 5% significant level, using ANOVA tabulated value is higher than calculated
value. So, H0 is accepted and H1 is rejected. It can be observed that there is no
relationship between job facilities and job satisfaction.

➢ At 5% significant level, using ANOVA tabulated value is higher than calculated

value. So, H0 is accepted and H1 is rejected. It can be observed that There is no
significant difference in the opinion about different factors related to job
satisfaction.

➢ In this report majority of respondents are female. 86.4% female has fill up the
questionnaire.

➢ Majority of the respondents are Unmarried.

➢ Out of 22 respondents 45.5% are graduate.

➢ 59.1% employees have salary from 10,000 - 25,000.

➢ Out of 22 respondents 27.3% have designation of Accountant.

➢ 40.9% of the respondents are satisfied with the nature of job.

➢ Majority of the employees gets benefits of insurance and medical allowances.

➢ Out of 22 employees 90.9% are fully satisfied with working hours.

➢ 54.5% agrees that they can take part in decision making.

➢ Majority of the employees says that their bank provides training programs.

➢ 54.5% employees rate safety as excellent. While 50% rates working condition
as good.

DODIYA BRINDA 54
➢ 45.5% employee’s rates relation between management & employees as good.
While 59.3% employee’s rates welfare facilities as good. Majority of employees
rates promotion method as excellent.

➢ 86.4% employees will recommend this bank to their friends and relatives.

➢ 45.5% employees agree to the statement “Job security is good in our bank”.
While majority of employees agree to the statement “Culture of bank is
excellent”.

➢ 50% employees agree to the statement “Current salary provided is worth to

work”. While majority of employee’s agree to the statement “Motivation
programmes is excellent”.

➢ 31.9% employees agree to the statement “Promotion method is done without

any discrimination”

➢ 50% employees are satisfied with the performance appraisal technique of bank.

➢ Majority employees says that they do not face problem of frequent transfers in
the bank.

➢ 68.2% of 22 employees says that they have good relations with their colleagues.

➢ Majority employees confirms that bank helps in developing their career.

➢ 90.9% employees enjoy working in bank.

➢ Majority employees says that their bank provides bonus on occasions.

DODIYA BRINDA 55
 9. CONCLUSION
I am hereby concluding my internship project with the great memory of my internship
at the Jamnagar Mahila Sahkari Bank which is one of the leading co-operative banks in
Jamnagar. It has been a great opportunity to have a summer internship at the Jamnagar
Mahila Sahkari Bank, I came to know about the administration and various activities
carried out by the Jamnagar Mahila Sahkari Bank.

I am able to know the banking system. The day-to-day tasks which are operated by
bank such as clearing, transferring, recovery, loans and advances etc. I have also learned
the guidelines by Reserve Bank of India which banks need to follow. I got to know the
parameters by RBI towards bank. I have also learned some statutory laws which are
mandatory applicable.

Also got to know about different types of loans and different interest rates for the same.
I have learned many things which are happening at the work place and practical work
is most different than theoretical base.

DODIYA BRINDA 56
 10. BIBILIOGRAPHY
Books Referred
1. Kothari, C.R., Research Methodology, New Delhi, Vikas Publishing House Pvt. Ltd.
1978.
2. Annual reports of JMSB.
Website Referred
Microsoft Word - Nidhi Saxena (cems-j.com)
(PDF) Job Satisfaction Among Bank Employees: An Analysis Of The Contributing
Variables Towards Job Satisfaction (researchgate.net)
A Preliminary Study of Job Satisfaction among Women Employees in Banking
Sector of Delhi NCR, Sonepat of Haryana, India by Dr. Yogita Satish Garwal,
Mohini Paul, Arokiaraj David :: SSRN
A STUDY ON EMPLOYEE JOB SATISFACTION IN DCC BANK AT
BAGALKOT DISTRICT (jetir.org)
dspace.hmlibrary.ac.in:8080/jspui/bitstream/123456789/1316/19/19_synopsis.pdf.
pdf
IJCRT1802311.pdf
(PDF) A STUDY ON JOB SATISFACTION OF BANK EMPLOYEES WITH
RESPECT TO READINESS TO CHANGE IN WORK ENVIRONMENT IN
MAJOR CITIES OF GUJARAT (researchgate.net)
IJRTI2207306.pdf

DODIYA BRINDA 57
 QUESTIONNAIRE

“A Study on Job Satisfaction and Its Effect on

Performance of Employees of The Jamnagar Mahila
Sahkari Bank”

Myself Brinda Dodiya. I am pursuing MBA in JVIMS Jamnagar. I am conducting a

survey to know “The Job Satisfaction and its effect on performance of employees
of The Jamnagar Mahila Sahkari Bank” in “The Jamnagar Mahila Sahkari
Bank”. All the information collected will only be used for research purpose of MBA.

1.What is your name?

_________________

2.What is your gender?

(a) Male
(b) Female
(c) Prefer not to say

3.What is your marital status?

(a) Married
(b) Unmarried

4.What is your educational qualification?

(a) Under graduate
(b) Graduate
(c) Post Graduate
(d) Any Specialization

DODIYA BRINDA 58
5.How much is your salary?
(a) 10,000 - 25,000
(b) 25,000 - 40,000
(c) 40,000 - 55,000
(d) 55,000 or above

6.What is your designation?

(a) Accountant
(b) Cashier
(c) Clerk
(d) Manager
(e) Other _____________

7.Are you satisfied with the nature of your job?

1= Dissatisfied, 5=Satisfied
1 2 3 4 5

8.Which benefits from the following you get from the bank?
(a) Insurance
(b) Medical Allowances
(c) Paid sick Leave
(d) Paid holidays
(e) Free Drinks
(f) Other ______________

9.Are you satisfied with working hours?

(a) Yes
(b) No
(c) Maybe

DODIYA BRINDA 59
10.Can you take part in the decision-making process in your bank?
(a) Yes
(b) No
(c) Maybe

11.Does your bank provides training programs?

(a) Yes
(b) No
(c) Maybe

12.Please Rate the job facilities given below.

Worst Poor Good Average Excellent
(a)Safety
(b)Working condition
(c)Relation b/w mgmt. & employees
(d)Welfare Facilities
(e)Promotion Method

13.Will you recommend this bank to your friends and relatives?

(a) Yes
(b) No
(c) Maybe
14.Do you agree with the following statement?
Strongly Disagree Neutral Agree Strongly
Disagree Agree
(a)Job security is good in our bank
(b)Culture of bank is excellent
(c)Current Salary provided is worth
to work
(d)Motivation Programs are
excellent
(e)Promotion method is done without
any discrimination

DODIYA BRINDA 60
15.Are you satisfied with the performance appraisal technique of your bank?
(a) Highly satisfied
(b) Satisfied
(c) Neutral
(d) Dissatisfied
(e) Highly Dissatisfied

16.Do you face problem of frequent transfers in your bank?

(a) Yes
(b) No
(c) Maybe

17.How are your relations with your colleagues?

(a) Excellent
(b) Good
(c) Poor

18.Does your bank helps you in developing your career?

(a) Yes
(b) No
(c) Maybe
19.Do you enjoy working in your bank?
(a) Yes
(b) No
(c) Maybe

20.Does your bank provides bonus on occasions?

(a) Yes
(b) No

21.Do you have any suggestions to your bank?

_____________________________________

DODIYA BRINDA 61