Krishnan Rip

Rural Innovation Project
Project report Submitted in partial fulfillment of the

requirements for the award of the degree of
MASTER OF BUSINESS ADMINISTRATION
By
VENKATAKRISHNAN.L
(Reg.No:23MBA355)
Under the guidance of
Dr.B Sudhakar
Director
DEPARTMENT OF BUSINESS ADMINISTRATION(PG)

HINDUSTHAN COLLEGE OF ARTS & SCIENCE
(Autonomous)
(Approved by AICTE New Delhi and Affiliated to Bharathiar University)
(ISO9001:2008Certified Institution)
Behind Nava India, Coimbatore-641028
2024-2025
CERTIFICATE
This to certify that the Rural Innovation Project, submitted in partial fulfillment of the
requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION is a record
of original research work done by VENKATAKRISHNAN.L ( Reg.No.23MBA355) under my
supervision and guidance.
Signature of the Guide
COUNTER SIGNED BY
DIRECTOR PRINCIPAL
VIVA-VOCE EXAMINATION HELD ON-----------------------------------------
INTERNAL EXAMINER EXTERNAL EXAMINER

DECLARATION
I, VENKATAKRISHNAN.L hereby declare that the Rural Innovation Project submitted in partial
fulfillment of the requirements for the award of the degree of MASTER OF BUSINESS
ADMINISTRATION is a record of original and independent under the supervision and guidance
of Dr.B Sudhakar Director of Department of Business Administration(PG),Hindusthan College of
Arts and Science and it has not formed the basis for the award of any Degree / Diploma / Associate
ship / Fellowship or other similar title to any candidate of any University.
Signature of the Candidate

ACKNOWLEDGEMENT
Any successful completion of task would be incomplete without the mention of the people who made
this possible with constant guidance and encouragement.
I wish to extend my gratitude to our principal Dr.A.PONNUSAMY,MBA.,M.Phil.,Ph.D.,
Hindustan College of arts and science for providing the facilities for carry out this institutional training.
I express my deepest thank to the Dr.B.SUDHAKAR, Director, Department of Business Administration
(PG), for their careful and precious guidance who gave opportunity for me to attend this graceful project.
It is my radiant sentiment to place on record my best regards, deepest sense of gratitude to
Dr.B Sudhakar , Department of Business Administration (PG) for his valuable guidance, advice,
support and encouragement to complete this project successfully.
I extend my thanks to all the faculty members of our department for the kind co- operation.
I wish to express my love and affection to my parents for their support to complete this project.
I express my sincere thanks to my friends who were supporting me
TABLEOFCONTENT
S.NO Title Page
No.
1 INTRODUCTION
2 Objective of the Project
3 Description of the geographical area taken for project
4 General demographic status of the population where the project was

undertaken
5 Data Collection
6 FINDINGS
7 Learning outcomes
8 Conclusion
INTRODUCTION:
Rural innovation project is a study carried out by the students in rural area about the
people knowledge towards new technology and the government schemes. The objective of
the project is to know about whether the people are aware of the new technology and the
government scheme that government provided towards the development of rural area.
Through this project we can come to a conclusion whether the people are aware of the
central government schemes, new technology updates in banking field, how they are facing
the new technology updates and how they are overcoming those updates. The survey also
helps to find out how the people in rural area social secured in financial requirements like
insurance scheme that are provided mainly life insurance, accidental insurance etc. This also
include the people are aware of the rural development schemes that are provided by central
government like praadhan mantra kaushal vikas yojana,prime minister arogyayo janaetc.upto
which level they are updated, if not where they are lacking in terms of communication. This
survey also concludes in the field of labor welfare and social security measures specifically
educational welfare. It also provides the data of online purchase behavior of the rural people,
how adequate they are purchasing in online mode, whether they are satisfied in the online
mode of purchases.
OBJECTIVES OF THE PROJECT:
 The objective of the rural innovation project to go out the standard method of
learning and to have a social interaction with people and learn from them
 This project is to ensure whether the people are educated about the new technology
update and to find out how far they are in update
 It helps to find out how far the government schemes are communicated between
the people and educate them about those scheme
 Providing them about the awareness about the banking system
 It is also providing personal development of the students and gain
knowledge other than education.
 It also increases the confidence of the student.

GEOGRAPHICAL AREA OF THE PROJECT UNDERTAKEN:
The rural innovation project I have undertaken in a village of Kunichi it is situated in the
Tirupattur district, in Tamil nadu , India.
GENERAL DEMOGRAPHIC STATUS OF THE POPULATION WEHRE THE
PROJECT WAS UNDERTAKEN:
District Tirupathur
Block panchayat Kunichi
area 777.8 hectares
Block / Taluka : Kunichi
Population 4,165
Male 2,122
Female 2,043
Pincode 635601
DATA COLLECTION:
Age of the Respondent
Frequency Percent Valid Percent Cumulative Percent
Valid 18-25 3 5.3 6.0 6.0
26-34 15 26.3 30.0 36.0
35-44 24 42.1 48.0 84.0
45-54 8 14.0 16.0 100.0
Total 50 87.7 100.0

Missing System 7 12.3
Total 57 100.0
INTERPRETATION:
From the table show that 48% respondents of 35-44 years of age, 30% respondents of 26-34
years of age, 16% respondents of the age 45-54, 6% respondents of 18-25 years of age.
Total family members
Valid 2 3 5.3 6.0 6.0
3 16 28.1 32.0 38.0
4 30 52.6 60.0 98.0

5 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the 60% respondents are 4 members, 32% respondents are 3
members, 6% respondents are 2 members and 2% respondents are 5 members.
1
0
Gender
Valid male 28 49.1 56.0 56.0
female 21 36.8 42.0 98.0
Transgender 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show the 56% respondents are male and 42% respondents are female,2% are
respondents Transgender.
Distributions of the heads of households by literacy level
Valid primary 2 3.5 4.0 4.0
secondary 36 63.2 72.0 76.0
degree 12 21.1 24.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show the 72% respondents are secondary, 24% respondents are degree, 4 %
respondents are primary.
1
1
Distributions of households by monthly income
Valid less than 10000 3 5.3 6.0 6.0
10001 to 20000 28 49.1 56.0 62.0
20001 to 30000 17 29.8 34.0 96.0
30001 to 40000 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 56% respondents are earning 10,000 to 20000, 34% respondents are
earning 20,001-30,000, 6% respondents are earning less than 10000 and 4% respondents are earning
30,001-40,000.
Distributions of households by occupation
Valid Farmer 7 12.3 14.0 14.0
Agriculture labour 16 28.1 32.0 46.0
Labor 8 14.0 16.0 62.0
Salaried people 13 22.8 26.0 88.0
Self employee 6 10.5 12.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 32% respondents are agriculture labor, 26% respondents are salaried
person, 16% respondents are labor, 14% respondents are farmer,12% respondents are self employee.
1
2
Distributions of households by land hold pattern
Valid Less than one acre 23 40.4 46.0 46.0
1 to 2 acre 26 45.6 52.0 98.0
2 to 3 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 52% respondents holds 1 to 2 acre, 46% respondents holds less than
1 acre, 2% respondents holds 2 to 3 acre
Distributions of households by type of house
Cumulative
Frequency Percent Valid Percent Percent
Valid Govt scheme house 31 54.4 62.0 62.0
Own title house 10 17.5 20.0 82.0
Own small Building 9 15.8 18.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 62% respondents have govt house, 20% respondents have own titled
house, and 18% respondents have own small building.
1
3
Distributions of households by Asset value
Cumulative
Valid less than 100000 1 1.8 2.0 2.0
100000 to 200000 26 45.6 52.0 54.0
200000 to 300000 17 29.8 34.0 88.0
300000 to 400000 6 10.5 12.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show 52% respondents are 100000 to 200000, 34% respondents are 2,00,000-
3,00,000 , 12% respondents are 3,00,000-4,00,000, 2% respondents are less than 100000.
Do you have a bank account
Valid yes 53 93.0 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the 100.0% of the respondents holds bank account.
1
4
Which Bank
Valid 7 12.3 12.3 12.3
Co operative 1 1.8 1.8 14.0
Co operative 7 12.3 12.3 26.3
Indian 36 63.2 63.2 89.5
SBI 6 10.5 10.5 100.0
Total 57 100.0 100.0
INTERPRETATION:
From the table show 63.2% of the people have account on Indian bank, 12.3% are co-
operative bank of the people and 10.5% of the people have their bank account on SBI.
Type of account
Valid savings a/c 50 87.7 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the 100% of them have savings account
What type of ID proofs your submitting to open the account
Valid Aadhar card 52 91.2 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 100% submitted aadhar card to open the account
Do you have ATM Card
1
5
Valid yes 50 87.7 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 100% respondents hold atm card.
Utilization of ATM Services
Valid yes 50 87.7 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 100% have utilize the atm.
Do you know how to with draw money from bank or ATM
Valid yes 50 87.7 100.0 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 100% respondents has know to withdraw money from atm.
1
6
Who will help to use Banking services or ATM Sevices
Valid family members 47 82.5 94.0 94.0
friends 3 5.3 6.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 94% respondents are helped by family members, 6% respondents
are helped by friends.
Frequency of bank visiting
Valid weekly 2 3.5 4.0 4.0
monthly 30 52.6 60.0 64.0
Every two month 16 28.1 32.0 96.0
Every three month 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 60% respondents are visited bank monthly, 32% respondents are
visited every two month, 4% respondents are visited every three in month and 4% respondents are
visited weekly.
Frequency of deposits and withdrawals
1
7
Cumulative
Valid within week 5 8.8 10.0 10.0
witrh in two week 27 47.4 54.0 64.0
within three week 16 28.1 32.0 96.0
more than a month 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that frequency of deposits and withdraws 54% respondents within a two
week, 32% respondents within three in week, 10% respondents within in week and 4% respondents
are more than a month.
Level of awareness on internet banking
Cumulative
Valid Highly Aware 4 7.0 8.0 8.0
Somewhat Aware 17 29.8 34.0 42.0
Aware 28 49.1 56.0 98.0
Unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the above table show awareness on internet banking 49.1% respondents are aware in
internet banking, 29.8% respondents are somewhat aware in internet banking ,7.0% respondents are
highly aware in internet banking and 1.8% respondents internet banking are unaware.
Level of awareness on Mobile banking
1
8
Aware 35 61.4 70.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show 70% respondents are aware of mobile banking and 28% respondents are
somewhat aware of mobile banking. 2.0% respondents are highly aware of mobile banking.
Level of awareness on Bank loan
Aware 16 28.1 32.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 64% respondents are somewhat aware of bank loan, 32%
respondents are aware of bank loan and 4.0% respondents are highly aware of bank loan.
1
9
Access to Insurance of Rural Households
Cumulative
Valid Life insurance 33 57.9 66.0 66.0
Health insurance 6 10.5 12.0 78.0
Don't have any insurance 11 19.3 22.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 66% respondents are access to life insurance, 22% respondents are
don’t have insurance, 12.% respondents are access to health insurance .
Overall perception of banking quality services for rural households
Valid Satisfied 13 22.8 26.0 26.0
Neutral 37 64.9 74.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show the overall perception of bank quality that 74% respondents are neutral
in bank quality, 26% respondents are satisfied in bank quality.
2
0
Are you aware about microfinance
Valid yes 41 71.9 82.0 82.0
no 9 15.8 18.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the awareness of microfinance that 82% respondents are aware
microfinance, 18% respondents are not aware in microfinance.
Micro finance directly helps the beneficiary for their economic activity
Valid Strongly agree 1 1.8 2.4 2.4
Agree 37 64.9 90.2 92.7
Neutral 2 3.5 4.9 97.6
Disagree 1 1.8 2.4 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the awareness of economic activity that 90.4% respondents are
agree, 4.9% respondents neutral, 2.4% respondents are in both strongly agree and disagree.
Costs or getting micro finance is very less when we compared with public sector banks ordinary loan
2
1
Agree 15 26.3 36.6 39.0
Neutral 25 43.9 61.0 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the awareness of micro finance are less compared with public sector
loan that 61% respondents are netural,36.6% respondents are agree,2.4% respondents are strongly
agree.
For availing the micro finance loan, one required personal asset to get it
Agree 21 36.8 51.2 58.5
Neutral 17 29.8 41.5 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the required for personal asset that 41.5% respondents are
netural,51.2% respondents are agree,7.3% respondents are strongly agree.
Micro finance loan can be obtained within short duration
2
2
Agree 16 28.1 39.0 53.7
Neutral 18 31.6 43.9 97.6
Disagree 1 1.8 2.4 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the Short duration that 43.9% respondents are netural,39%
respondents are agree,14.6% respondents strongly agree.
Interest rate in micro finance is very less when we compare with other bank loans
Cumulative
Agree 14 24.6 34.1 53.7
Neutral 14 24.6 34.1 87.8
Disagree 5 8.8 12.2 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the Interest rate is less in micro finance that 34.1% respondents are
both neutral and agree, 19.5% respondents strongly agree, 12.2% respondents disagree.
Repayment pattern are well within the capacity of borrower
2
3
Agree 21 36.8 51.2 75.6
Neutral 9 15.8 22.0 97.6
Disagree 1 1.8 2.4 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the repayment pattern that 51.2% respondents are agree, 24.4%
respondents strongly agree, 22% respondents netural,2.4% respondents disagree.
zero balance
Cumulative
Aware 13 22.8 26.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the 66% respondents are somewhat aware in zero balance, 26%
respondents are aware zero balance and 8% respondents are highly aware of zero balance.
Access to pension, insurance product
2
4
Aware 12 21.1 24.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that the awareness of pension insurance that 50% respondents are
somewhat aware 26% respondents highly aware and 24% respondents are aware of insurance.
Easy transfer of money across India
Aware 5 8.8 10.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that transfer of money across India that 52% respondents are somewhat
aware, 38% respondents are highly awarded of and 10% respondents are unaware of insurance.
Rupay debit card,UPI
2
5
Cumulative
Aware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that transfer of rupay debit card that 54% respondents are highly aware,
42% respondents somewhat aware and 4% respondents are aware of UPI.
Accidental insurance cover of Rs 1 lakh
Cumulative
Aware 21 36.8 42.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that accidental insurance that 42% respondents are aware, 34%
respondents somewhat aware and 24% respondents are highly aware of accidental insurance.
National rural livelihood mission
2
6
Aware 12 21.1 24.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that national rural livelihood mission that 52% respondents are
somewhat aware and 24% respondents are both awarded and highly aware in livelihood mission.
Mahatma Gandhi national rural employment guarantee act
Aware 10 17.5 20.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that mahatma act 54% respondents somewhat aware, 26% respondents
highly aware, 20% respondents are aware.
Pradhana mantri kasusal vikas yogana
2
7
Cumulative
Aware 9 15.8 18.0 98.0
Unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that Pradhan yojana act 54% respondents are somewhat awarded, 26%
respondents are highly aware, 18% respondents aware, 2% respondents are unaware.
Pradhana mantri awas yojana
Cumulative
Aware 11 19.3 22.0 98.0
Unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that pradhana awas 48% respondents are somewhat aware, 28%
respondents are highly aware, 22% respondents aware, 2% respondents are unaware.
Prime minister arogya yojana
2
8
Aware 17 29.8 34.0 96.0
Unaware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that prime minister arogya yojana 38% respondents are somewhat aware
arogya yojana, 34% respondents aware, 24% respondents highly aware arogya yojana, 4%
respondents are unaware arogya yojana.
National Rural livehood mission
Cumulative
Valid highly aware 13 22.8 26.0 26.0
somewhat aware 24 42.1 48.0 74.0
aware 9 15.8 18.0 92.0
unaware 4 7.0 8.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that national rural livehood mission 48% respondents are somewhat
aware, 26% respondents highly aware, 18% respondents aware and 8% are unaware in national rural
livehood mission.
National old age pension scheme
2
9
Cumulative
Aware 14 24.6 28.0 98.0
Unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that old age pension act 48% respondents are somewhat aware,28%
respondents are awarded of 22% respondents are highly aware and 2% respondents are unaware .
National widow pension scheme
Aware 11 19.3 22.0 96.0
Unaware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that national widow 50% are somewhat aware, 24% are highly
aware,22% are aware, 4% are unaware in national widow.
3
0
National family benefit scheme
Aware 13 22.8 26.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that national family benefit 40% respondents are somewhat aware, 34%
respondents are highly aware and 26% respondents are aware.
Prandhan Mantri bharathiya janaushadhi pariyojana
aware 14 24.6 28.0 98.0
unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that Prandhan Mantri bharathiya janaushadhi pariyojana 48%
respondents are somewhat aware, 22% respondents are highly aware, 28% respondents are aware, 2%
respondents are unaware.
3
1
Are you a beneficiary of the rural development scheme
Valid yes 37 64.9 74.0 74.0
no 13 22.8 26.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 74% respondents are yes for rural development scheme beneficiary,
26% respondents are no for rural development scheme beneficiary.
If you are not a beneficiary, what is the reason for it
Cumulative
Valid lack of opportunity 5 8.8 35.7 35.7
Disinterested 1 1.8 7.1 42.9
lack of awareness 3 5.3 21.4 64.3
improper communication 5 8.8 35.7 100.0
Total 14 24.6 100.0

Total 57 100.0
INTERPRETATION:
From the table show that not beneficiary reason that 35.7% respondents are both lack of
opportunity, improper communication, 21.4% respondents are lack of awareness,7.1% respondents
disinterest .
3
2
Do you think that people are benefited by these rural development schemes in your area
Cumulative
Valid Always benefitted 2 3.5 4.0 4.0
sometimes benefitted 31 54.4 62.0 66.0
rarely benefitted 16 28.1 32.0 98.0
no benefit 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 62% respondents are sometimes benefited by rural scheme, 32%
respondents are rarely benefited, 4% respondents are always benefited and 2% respondents are no
benefited of the scheme.
What are the ways through which people's participation can be enhanced
Cumulative
Valid Initiatives to be taken by

9 15.8 18.0 18.0
official’s
Creating awareness among

30 52.6 60.0 78.0
people
proper communication 5 8.8 10.0 88.0
Through publicity 6 10.5 12.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 60% are creating awareness among people, 18% are initiatives
taken, 12%% are through publicity, 10% are proper communication.
3
3
How informed are you about the various rural development programmers existing in your area
Cumulative
Valid Highly informed 1 1.8 2.0 2.0
Sometimes informed 19 33.3 38.0 40.0
Rarely informed 30 52.6 60.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 60% respondents are rarely informed for development programmers
are 38% sometimes informed for development programmers, 2% are rarely informed for development
programmers.
Are the new development schemes properly communicated in time to the local people for their maximum
participation in rural development
Cumulative
Valid sometimes communicate 30 52.6 60.0 60.0
rarely communicate 20 35.1 40.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 60% respondents are sometimes communicated, 40% are rarely
communicated.
3
4
which new areas of rural development schemes should be introduced for rural development
Valid Education 9 15.8 18.0 18.0
Agriculture 11 19.3 22.0 40.0
Irrigation 4 7.0 8.0 48.0
Infrastructure 14 24.6 28.0 76.0
social welfare 10 17.5 20.0 96.0
Health 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 28% respondents for infrastructure development, 26% are
respondents agriculture, 20% respondents are social welfare development, 18% respondents are
education development, 8% respondents are irrigation development.
What in your view is the extent of convenience of the schemes of the rural development to people
Valid High 4 7.0 8.0 8.0
Moderate 35 61.4 70.0 78.0
Low 11 19.3 22.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 70% respondents are moderate in rural development schemes to
people, 22% are low rural development schemes to people, 8% respondents are high in rural
development schemes to people.
3
5
Accidental death
Valid HS 13 22.8 26.0 26.0
S 14 24.6 28.0 54.0
N 14 24.6 28.0 82.0
DS 8 14.0 16.0 98.0
HDS 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 28% respondents are both satisfied and neutral, 26% respondents
highly satisfied, 16% respondents are dissatisfied, 2% respondents highly dissatisfied.
Accidental disability
Valid HS 12 21.1 24.0 24.0
S 16 28.1 32.0 56.0
N 13 22.8 26.0 82.0
DS 7 12.3 14.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 32% respondents are satisfied, 26% respondents neutral, 24%
respondents highly satisfied, 14% respondents are dissatisfied,4% respondents highly dissatisfied.
3
6
Natural death assistance
Valid HS 9 15.8 18.0 18.0
S 20 35.1 40.0 58.0
N 12 21.1 24.0 82.0
DS 7 12.3 14.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 40% respondents are satisfied ,24% respondents neutral, 18%
respondents highly satisfied,14% respondents are dissatisfied,4% respondents highly dissatisfied.
Funeral expenses assistance
Valid HS 9 15.8 18.0 18.0
S 15 26.3 30.0 48.0
N 11 19.3 22.0 70.0
DS 13 22.8 26.0 96.0

HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 30% respondents are satisfied, 26% respondents dissatisfied, 22%
respondents neutral, 18% respondents highly satisfied,4% respondents highly dissatisfied.
3
7
Girl children studying 10th
Valid HS 12 21.1 24.0 24.0
S 15 26.3 30.0 54.0
N 12 21.1 24.0 78.0
DS 9 15.8 18.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 30% respondents are satisfied, 24% respondents both neutral and
highly satisfied, 18% respondents are dissatisfied,4% respondents highly dissatisfied.
If the son or daughter passed 10th
Valid HS 10 17.5 20.0 20.0
S 13 22.8 26.0 46.0
N 18 31.6 36.0 82.0
DS 8 14.0 16.0 98.0
HDS 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 36% respondents are neutral, 26% respondents satisfied 20%
respondents highly satisfied,16% respondents are dissatisfied,2% respondents highly dissatisfied.
3
8
Valid HS 12 21.1 24.0 24.0
S 14 24.6 28.0 52.0
N 16 28.1 32.0 84.0
DS 5 8.8 10.0 94.0
HDS 3 5.3 6.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 32% respondents are neutral, 28% respondents satisfied, 24%
respondents highly satisfied, 10% respondents are dissatisfied, 6% respondents highly dissatisfied.
Valid HS 13 22.8 26.0 26.0
S 15 26.3 30.0 56.0
N 14 24.6 28.0 84.0
DS 5 8.8 10.0 94.0
HDS 3 5.3 6.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 30% respondents are satisfied, 26% respondents highly satisfied,
28% respondents neutral, 10% respondents dissatisfied, 6% respondents highly dissatisfied.
3
9
If the son or daughter passed 12th
Valid HS 14 24.6 28.0 28.0
S 14 24.6 28.0 56.0
N 12 21.1 24.0 80.0
DS 8 14.0 16.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 28% respondents are both satisfied and highly satisfied, 24%
respondents neutral, 10% respondents highly dissatisfied, 4% respondents highly dissatisfied.
Regular degree course with hostel facility
Valid HS 11 19.3 22.0 22.0
S 17 29.8 34.0 56.0
N 13 22.8 26.0 82.0
DS 7 12.3 14.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
respondents highly satisfied, 14% respondents dissatisfied, 4% respondents highly dissatisfied.
4
0
Marriage assistance
Valid HS 10 17.5 20.0 20.0
S 18 31.6 36.0 56.0
N 12 21.1 24.0 80.0
DS 8 14.0 16.0 96.0
HDS 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
respondents highly satisfied, 16% respondents dissatisfied, 4% respondents highly dissatisfied.
Maternity assistance miscarriage
Valid HS 12 21.1 24.0 24.0
S 14 24.6 28.0 52.0
N 17 29.8 34.0 86.0
DS 6 10.5 12.0 98.0
HDS 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 34% are neutral, 28% respondents satisfied, 24% respondents highly
satisfied , 12% respondents dissatisfied, 2% respondents highly dissatisfied.
4
1
pension
Valid HS 12 21.1 24.0 24.0
S 13 22.8 26.0 50.0
N 17 29.8 34.0 84.0
DS 7 12.3 14.0 98.0
HDS 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 34% respondents are neutral, 26% respondents satisfied, 24%
respondents highly satisfied 14% respondents dissatisfied, 2% respondents highly dissatisfied.
Rural people perception towards online purchase
Valid yes 41 71.9 82.0 82.0
no 9 15.8 18.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that perception towards online purchase 82% yes for purchase in online
shopping, 18% no for purchase in online shopping.
4
2
Are you satisfied with online shopping experience
Agree 29 50.9 70.7 85.4
Neutral 6 10.5 14.6 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 70.7% respondents are agree, 10.5% respondents strongly agree and
10.5% respondents agree for online shopping experience.
online shopping is hassle free as compare to traditional shopping
Agree 22 38.6 53.7 70.7
Neutral 12 21.1 29.3 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 53.7% respondents are agree for online shopping compare to
traditional shopping, 29.3% respondents neutral online shopping compare to traditional shopping
17.1% respondents strongly agree online shopping compare to traditional shopping.
4
3
Do you feel online shopping is comfortable than traditional shopping
Agree 18 31.6 43.9 61.0
Neutral 14 24.6 34.1 95.1
Disagree 2 3.5 4.9 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 43.9% respondents are agree for online shopping, 34.1%
respondents agree online shopping, 17.1% respondents strongly agree online shopping and 4.9%
respondents disagree online shopping.
online shopping saves time and money as compare to traditional shopping
Agree 17 29.8 41.5 65.9
Neutral 13 22.8 31.7 97.6
Disagree 1 1.8 2.4 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 41.5% respondents are agree for online shopping save time, 31.7%
respondents are neutral for online shopping save time, 24.4% respondents are strongly agree and 2.4%
respondents are disagree for online shopping save time.
4
4
online shopping is preferred because of 24*7 shopping facility
Agree 18 31.6 43.9 70.7
Neutral 12 21.1 29.3 100.0
Total 41 71.9 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 43.9% respondents are agree for online shopping for 24*7, 29.3%
respondents neutral for online shopping for 24*7, 26.8% respondents strongly agree for online
shopping for 24*7.
Are you aware about the latest technology of water irrigation
Cumulative
Valid Drip irrrigation 25 43.9 50.0 50.0
Sprinklers irrigation 25 43.9 50.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 50% respondents are preferred drip irrigation, 50% respondents are
preferred sprinkler irrigation.
4
5
Are you aware about benefits of KISAN scheme for farmer
Cumulative
Aware 31 54.4 62.0 96.0
Unaware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 62% respondents are Aware about KISAN scheme, 30%
respondents are somewhat aware about KISAN scheme, 4% respondents highly aware about KISAN
scheme and 4% respondents unaware about KISAN scheme
Are you aware about the KISAN RATH mobile app which facilitates the farmers and traders across the
country for transport of agri-produce
Cumulative
Aware 29 50.9 58.0 88.0
Unaware 6 10.5 12.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 58% respondents are aware about KISAN RATH mobile app, 28%
respondents are somewhat aware about KISAN RATH mobile app, 12% respondents unaware about
KISAN RATH mobile app, 2% respondents are highly aware about KISAN RATH mobile app.
4
6
Are you aware about the few subsidy schemes that are in favor of farmers owning the necessary
machinery
Aware 25 43.9 50.0 94.0
Unaware 3 5.3 6.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 50% respondents are Aware machinery, 42% respondents are
somewhat aware machinery, 6% respondents unaware machinery,2% respondents are highly aware
machinery.
Do you think any training is needed for farmers to use modern agricultural technological applications
Valid yes 37 64.9 74.0 74.0
no 13 22.8 26.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 74% are responded as yes to training to agriculture, 26% are no to
training to agriculture.
mention the advantages and merits of use of modern technological applications in terms of
agricultural output
4
7
Cumulative
Valid increased output 10 17.5 20.0 20.0
increase in productivity 29 50.9 58.0 78.0
no change 10 17.5 20.0 98.0
Decrease in output and

1 1.8 2.0 100.0
productivity
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 58% are to increase production 20% are both increase productivity
and no change,2% are to Decrease in output and productivity in agriculture.
Are you aware about the subsidy schemes for biogas setup from the government
Cumulative
Valid Somewhat Aware 15 26.3 30.0 30.0
Aware 33 57.9 66.0 96.0
Unaware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 66% respondents are aware for biogas setup schemes, 30%
respondents are somewhat aware for biogas setup schemes, 4% respondents are unaware of biogas for
biogas setup schemes.
Are you aware about the subsidy schemes for solar energy setup from the government
4
8
Aware 26 45.6 52.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 52% respondents are aware for solar energy scheme, 46%
respondents are somewhat aware for solar energy scheme, 2% respondents highly aware of solar
energy.
Chief Minster’s comprehensive health insurance
Valid Highly satisfied 3 5.3 6.0 6.0
aware 24 42.1 48.0 98.0
unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 48% respondents are aware of Chief Minster’s comprehensive
health insurance, 44% respondents are somewhat aware of Chief Minster’s comprehensive health
insurance,6% respondents Highly aware of Chief Minster’s comprehensive health insurance,2%
respondents unaware of Chief Minster’s comprehensive health insurance.
Illam thedi maruthuvam
4
9
Valid highly satisfied 5 8.8 10.0 10.0
aware 14 24.6 28.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 62% respondents are somewhat aware Highly aware, of Illam thedi
maruthuvam, 28% respondents aware Highly aware, of Illam thedi maruthuvam, 10% respondents
Highly aware, of Illam thedi maruthuvam.
Material Assistance scheme
Valid highly satisfied 9 15.8 18.0 18.0
aware 13 22.8 26.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 56% respondents are somewhat aware of material assistance
scheme, 26% respondents aware material assistance scheme, 18% respondents Highly aware material
assistance scheme.
5
0
Marriage assistance scheme
aware 21 36.8 42.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 44% respondents are somewhat aware, 42% respondents aware,
14% respondents highly aware of marriage assistance scheme.
Sewing Machine supply scheme
aware 20 35.1 40.0 98.0
unaware 1 1.8 2.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 40% respondents are aware, 36% respondents somewhat aware,
22% respondents highly aware, 2% respondents unaware of sewing machine supply scheme.
Loan can be obtained:Housing,house construction, repair extension loan (Max 10 lakhs)
5
1
Cumulative
Aware 9 15.8 18.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 58% respondents are somewhat aware, 24% respondents are highly
aware and 18% respondents are aware of housing loan.
Loan can be obtained :jewel loan (max 1 lakhs)
Aware 18 31.6 36.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 44% respondents are somewhat aware of jewel loan, 36%
respondents are aware of jewel loan and 20% respondents are highly aware of jewel loan.
Loan can be obtained: Horticulture(Max 2 lakhs)
5
2
Aware 19 33.3 38.0 96.0
Unaware 2 3.5 4.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 42% respondents are somewhat aware of horticulture, 38%
respondents are aware of horticulture, 16% respondents highly aware of horticulture, 4% respondents
are unaware of horticulture.
Loan can be obtained: Inland fishing (Max 2 lakhs)
Aware 19 33.3 38.0 88.0
Unaware 6 10.5 12.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 38% respondents are aware of inland fishing, 32% respondents are
somewhat aware of inland fishing, 18% respondents are highly aware of inland fishing, 12%
respondents unaware of inland fishing.
5
3
Loan can be obtained: poultry development maximum amount of loan Rs.14 800 for 200 birds Rs.17,000
for 2 cows. Rate of interest
Aware 8 14.0 16.0 90.0
Unaware 5 8.8 10.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 60% respondents are somewhat aware of poultry loan, 16%
respondents are aware of poultry loan, 14% respondents are highly aware of poultry loan, 10%
respondents unaware of poultry loan.
Loan can be obtained: power tiller (upto 90%)
Aware 18 31.6 36.0 78.0
Unaware 11 19.3 22.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 36% respondents are aware tractor purchase, 34% respondents
somewhat aware tractor purchase, 22% respondents unaware tractor purchase, 8% respondents are
highly aware tractor purchase.
5
4
Loan can be obtained: tractor purchase (upto 90%)
Aware 19 33.3 38.0 72.0
Unaware 14 24.6 28.0 100.0
Total 50 87.7 100.0

Total 57 100.0
INTERPRETATION:
From the table show that 38% respondents are aware for tractor purchase, 28% respondents
unaware for tractor purchase, 20% respondents somewhat aware for tractor purchase, 14%
respondents are highly aware tractor purchase.
5
5
Analysis:
Correlation:
Step 1:
Null Hypothesis: Here, there is no significant relationship between age and awareness level
of internet banking.
Alternative hypothesis: Now, there is significant relationship between age and awareness
level of internet banking.
Step 2:
Symmetric Measures
Asymp. Std.
Value Errora Approx. Tb Approx. Sig.
Interval by Interval Pearson's R .179 .136 1.257 .215c

Ordinal by Ordinal Spearman Correlation .212 .137 1.505 .139c
N of Valid Cases 50
a. Not assuming the null hypothesis.

b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
Step 3: In this step we are going to compare the calculated value with standard value.
Step 4: Since the calculated value is .179 accepted null hypothesis.
Step 5:
Interpretation: There is significant relationship between age and awareness level of internet
banking.
5
6
Regression:
Step 1:
Null Hypothesis: Here, there is no significant relationship between monthly income and
online shopping is comfortable than traditional shopping.
Alternative hypothesis: Now, there is significant relationship between monthly income and
online shopping is comfortable than traditional shopping.
Step 2:
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1 Regression .115 1 .115 .173 .680b
Residual 25.934 39 .665
Total 26.049 40
a. Dependent Variable: Do you feel online shopping is comfortable than traditional shopping
b. Predictors: (Constant), Distributions of households by monthly income
Step 5:
Interpretation: There is significant relationship between monthly income and online shopping
is comfortable than traditional shopping.
Chi square test:
Step 1:
Null Hypothesis: Here, there is no significant relationship between Land hold pattern and
house contribution.
Alternative hypothesis: Now, there is significant relationship between Land hold pattern and
house contribution.
5
7
Step 2:
Chi-Square Tests
Asymp. Sig. (2-

Value df sided)
a
Pearson Chi-Square 5.592 2 .061
Likelihood Ratio 6.053 2 .048
Linear-by-Linear Association 2.464 1 .117
N of Valid Cases 50
a. 2 cells (33.3%) have expected count less than 5. The minimum

expected count is .50.
Step 5:
Interpretation: There is significant relationship between Land hold pattern and house
contribution.
One sample test:
Step 1:
Null Hypothesis: Here, there is no significant relationship between Land hold pattern and
house contribution.
Alternative hypothesis: Now, there is significant relationship between Land hold pattern and
house contribution.
Step 2:
One-Sample Test
Test Value = 0
95% Confidence Interval of the

Difference
t df Sig. (2-tailed) Mean Difference Lower Upper
Distributions of households by
24.699 49 .000 2.56000 2.3517 2.7683
Asset value
For availing the micro finance
loan, one required personal 24.306 40 .000 2.34146 2.1468 2.5362
asset to get it
5
8
Step 4: Since the calculated value is 2.3517 accepted null hypothesis.
Step 5:
Interpretation: There is significant relationship between Land hold pattern and house
contribution.
Cross Tabs
Step 1:
Null Hypothesis: Here, there is no significant relationship between household by occupation
and households by monthly income.
Alternative hypothesis: Now, there is significant relationship between household by
occupation and households by monthly income.
Step 2:
Distributions of households by occupation * Distributions of households by monthly income Crosstabulation
Count
Distributions of households by monthly income
less than 10001 to 20001 to 30001 to

10000 20000 30000 40000 Total
Distributions of households by Farmer 0 6 1 0 7

occupation Agriculture labour 3 12 1 0 16
Labour 0 7 1 0 8
Salaried people 0 2 10 1 13
Self employee 0 1 4 1 6
Total 3 28 17 2 50
Step 4: So here there are 7 respondents are farmers, 16 respondents are agriculture labor, 8
respondents are labour, 13 respondents are salaried people, 6 respondents are self employee.
Step 5:
Interpretation: There is significant relationship between household by occupation and
households by monthly income.
5
9
6
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Krishnan Rip

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Rural Innovation Project

Project report Submitted in partial fulfillment of the

MASTER OF BUSINESS ADMINISTRATION

DEPARTMENT OF BUSINESS ADMINISTRATION(PG)

Signature of the Guide

VIVA-VOCE EXAMINATION HELD ON-----------------------------------------

INTERNAL EXAMINER EXTERNAL EXAMINER

Signature of the Candidate

2 Objective of the Project

3 Description of the geographical area taken for project

4 General demographic status of the population where the project was

update and to find out how far they are in update

the people and educate them about those scheme

 Providing them about the awareness about the banking system

 It is also providing personal development of the students and gain

knowledge other than education.

 It also increases the confidence of the student.

Block panchayat Kunichi

area 777.8 hectares

Block / Taluka : Kunichi

Age of the Respondent

Frequency Percent Valid Percent Cumulative Percent

Valid 18-25 3 5.3 6.0 6.0

26-34 15 26.3 30.0 36.0

35-44 24 42.1 48.0 84.0

45-54 8 14.0 16.0 100.0

Total 50 87.7 100.0

Total family members

Frequency Percent Valid Percent Cumulative Percent

Valid 2 3 5.3 6.0 6.0

3 16 28.1 32.0 38.0

4 30 52.6 60.0 98.0

Total 50 87.7 100.0

Frequency Percent Valid Percent Cumulative Percent

Valid male 28 49.1 56.0 56.0

female 21 36.8 42.0 98.0

Transgender 1 1.8 2.0 100.0

Total 50 87.7 100.0

Distributions of the heads of households by literacy level

Frequency Percent Valid Percent Cumulative Percent

Valid primary 2 3.5 4.0 4.0

secondary 36 63.2 72.0 76.0

degree 12 21.1 24.0 100.0

Total 50 87.7 100.0

Frequency Percent Valid Percent Cumulative Percent

Valid less than 10000 3 5.3 6.0 6.0

10001 to 20000 28 49.1 56.0 62.0

20001 to 30000 17 29.8 34.0 96.0

30001 to 40000 2 3.5 4.0 100.0

Total 50 87.7 100.0

Distributions of households by occupation

Frequency Percent Valid Percent Cumulative Percent

Valid Farmer 7 12.3 14.0 14.0

Agriculture labour 16 28.1 32.0 46.0

Labor 8 14.0 16.0 62.0

Salaried people 13 22.8 26.0 88.0

Self employee 6 10.5 12.0 100.0

Total 50 87.7 100.0

Frequency Percent Valid Percent Cumulative Percent

Valid Less than one acre 23 40.4 46.0 46.0

1 to 2 acre 26 45.6 52.0 98.0

2 to 3 1 1.8 2.0 100.0

Total 50 87.7 100.0