Frequency Table

CHAPTER 4
DATA ANALYSIS
Table 4.1 Age of respondent
Age of the respondent

Frequency Percent Valid Percent Cumulative Percent
Valid 18-25 9 18.0 18.0 18.0
26-34 5 10.0 10.0 28.0
35-44 13 26.0 26.0 54.0
45-54 13 26.0 26.0 80.0
55&above 10 20.0 20.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table, most of the respondents fall in the age group 35-44 &45-54 with
26%, 55&above age group with 20% ,18-25 age group with 18% , 26-34 age group with the
10%
Table 4.2 Family members

Total family members
Valid 2 4 8.0 8.0 8.0
3 7 14.0 14.0 22.0
4 17 34.0 34.0 56.0
5 16 32.0 32.0 88.0
Above 5 1 2.0 2.0 90.0
6 4 8.0 8.0 98.0
7 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the family has 2 members are 8%, 3 members are 14%,
4 members are 34%, 5 members of 32%, 6 members of 2% ,7 members 25% based on
distribution family members.
7
8
Table 4.3 Gender Wise Distribution
Gender
Valid Male 42 84.0 84.0 84.0
Female 8 16.0 16.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the table shows that total valid responses reveal that 84% of male and 16 % of
respondents are female
Table 4.4 Literacy Level Wise Distribution
Distributions of the heads of households by literacy level

Valid Illiterate 1 2.0 2.0 2.0
Primary 1 2.0 2.0 4.0
Secondary 22 44.0 44.0 48.0
Degree 20 40.0 40.0 88.0
Postgraduate 6 12.0 12.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The above table shows the liter acy level of respondents where 40% are Degree holders, 44% are
Secondary, primary 2%, illiterate 2% and post graduates are 12%.
9
Table 4.5 Monthly Income Wise Distribution
Distributions of households by monthly income

Valid 10001to20000 1 2.0 2.0 2.0
20001to30000 21 42.0 42.0 44.0
30001to40000 24 48.0 48.0 92.0
40001&above 4 8.0 8.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the monthly income of the respondents of less than 10,000 are
2%,10,001 to 20,000 are 42%, 20,001 to 30,000 are 48%, 30001to 40000 48%, and 40001 &
above are 8% according to their monthly income distribution
Table 4.6 Occupation Wise Distribution
Distributions of households by occupation

Valid agricultural labour 2 4.0 4.0 4.0
Labour 34 68.0 68.0 72.0
salaried people 9 18.0 18.0 90.0
self-employee 5 10.0 10.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that most respondents fall under occupation of agricultural
labour are 4%, labour are 68%, salaried people are 18%, and self-employed are 10%, based
on their occupation
10
Table 4.7 Land Hold Pattern Wise Distribution
Distributions of households by land hold pattern
Valid less than one acre 47 94.0 95.9 95.9
1 to 2 acre 1 2.0 2.0 98.0
2 to 3 acre 1 2.0 2.0 100.0
Total 49 98.0 100.0
Missing System 1 2.0
Total 50 100.0
INTERPRETATION
From the above table shows that 96% have lessthan one acre, 2% have 1-2 acre, 2%
have 2 to3 acre as their land hold pattern
Table 4.8 Types of Houses Wise Distribution
Distributions of households by type of house

Valid thatched house 1 2.0 2.0 2.0
own title house 49 98.0 98.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the percentage of types of houses where thatched house are
2% and 98% have own title house
11
Table 4.9 Assets Value Wise Distribution
Distibutions of households by assets value

Valid 200000 to 300000 2 4.0 4.0 4.0
300000 to 400000 5 10.0 10.0 14.0
above 400000 43 86.0 86.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 4% of respondents have asset value of between 2,00,000 -
300000; 10% have 3,00,000 to 4,00,000 of asset, 86% have above 400000 asset value
Table 4.10 Bank Account Wise Distribution
Do you have a bank account

Valid Yes 50 100.0 100.0 100.0
INTERPRETATION
The above table shows that 100% of respondents are having account in the bank
12
Table 4.11 Types of Account Wise Distribution
If yes what type of account

Cumulative
Frequency Percent Valid Percent Percent
Valid Savings A/C 46 92.0 92.0 92.0
Current 2 4.0 4.0 96.0
Joint 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 92% have savings A/c , 4% have current account and 4%
have joint a/c
Table 4.12 Bank Name
Name of the bank

Cumulative
Frequency Percent Valid Percent Percent
Valid SBI 19 38.0 38.0 38.0
Kerala Gramin Bank 13 26.0 26.0 64.0
federal Bank 4 8.0 8.0 72.0
Baroda 1 2.0 2.0 74.0
CANARA BANK 3 6.0 6.0 80.0
FEDERAL BANK 1 2.0 2.0 82.0
HDFC 4 8.0 8.0 90.0
HDFC Bank 1 2.0 2.0 92.0
Punjab National 1 2.0 2.0 94.0
BARODA 1 2.0 2.0 96.0
Canara Bank 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the respondents have their bank accounts in SBI is
38%, Kerala gramin bank is 26%, Federal bank is 8%, Baroda is 4% Canara is 10%
HDFC is 10% and 2% Punjab national bank
13
Table 4.13 Types of Proofs Wise Distribution
What type of ID proofs your submitting to open the account

Valid voter card 12 24.0 24.0 24.0
Aadhar card 38 76.0 76.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 76% Aadhar card as a proof and 24% aadhar card as proof
Table 4.14 ATM Wise Distribution
DoyouhaveATMcard
Valid Yes 47 94.0 94.0 94.0
No 3 6.0 6.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 94% of the respondents have ATM Card, 6% of the
respondents doesn’t have ATM card
14
Table 4.15 Utilization of ATM service Wise Distribution
Utilization of ATM services

Valid Yes 40 80.0 80.0 80.0
No 10 20.0 20.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 80% of the respondents Utilize ATM Card, 20% of
the respondents don’t use ATM
Table 4.16 Withdraw of money Bank or ATM
Do you know how to with draw money from bank or ATM

Valid Yes 38 76.0 76.0 76.0
No 12 24.0 24.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 76% of the respondents know how to withdraw
amount and 24% don’t know how to withdraw money from ATM
15
Table 4.17 Help Use ATM Service Wise Distribution
Who will help to use banking services or ATM services
Valid family members 26 52.0 52.0 52.0
Friends 1 2.0 2.0 54.0
existing staff in the bank 22 44.0 44.0 98.0
BC staff 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that family members helping in ATM services are 52%,
existing staff members in the bank are 44% and banking staff are 24% and friends 2% to help
use ATM service
Table 4.18 Frequency of Bank visiting Wise Distribution
Frequency of bank visit

Valid Monthly 14 28.0 28.0 28.0
Everytwomonths 26 52.0 52.0 80.0
every three months 8 16.0 16.0 96.0
every four & above 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 28% of respondents visit bank monthly, 52% of the respondents
every two months, 16% every three months, 4% are every four months and above.
16
Table 4.19 Deposits and Withdrawals Wise Distribution
Frequency of deposits and withdrawals

Valid within week 2 4.0 4.0 4.0
within two weeks 9 18.0 18.0 22.0
within three weeks 23 46.0 46.0 68.0
more than a month 16 32.0 32.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 18 % of respondents doing deposits and withdrawals within two
weeks, 32% are more than a month, 18% are within two weeks and 4% are doing deposits and
withdrawals within a week.
Table 4.20 Awareness of Internet Banking
Level of awareness on internet banking

Valid highly aware 19 38.0 38.0 38.0
somewhat ware 7 14.0 14.0 52.0
Aware 16 32.0 32.0 84.0
Unaware 7 14.0 14.0 98.0
highly unaware 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 38% of the respondents are highly aware of internet
banking, 14% are somewhat aware, 32% are aware, 14% are unaware and 2% are highly
unaware about Internet banking
17
Table 4.21 Awareness on Mobile Banking Wise Distribution
Level of awareness on mobile banking

Aware 14 28.0 28.0 80.0
Unaware 10 20.0 20.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 20% are unaware, 40% are highly aware, 28% are aware, 12%
are somewhat aware about mobile banking.
Table 4.22 Awareness on Bank Loan Wise Distribution
Level of awareness on bankloan

Aware 24 48.0 48.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 46% of the respondents are highly aware ,6% of the
18
respondents are somewhat aware, 48% of the respondents are aware about Bank loan
19
Table 4.23 Access to Insurance Wise Distribution
Access to insurance of rural households

Val id life insurance 22 44.0 44.0 44.0
health insurance 21 42.0 42.0 86.0
accidental insurance 7 14.0 14.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the table shows that 44% of the respondents have life insurance, 42% have health insurance, and
14% of the respondents have accidental insurance
Table 4.24 Banking Quality Services Wise Distribution
Overall perception of banking quality services for rural households

Valid highly satisfied 4 8.0 8.0 8.0
Satisfied 33 66.0 66.0 74.0
Neutral 13 26.0 26.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the 8% of the respondents are highly satisfied ,66% of the
respondents are satisfied and 26% of neutral about quality of Banking services
20
Table 4.25 Awareness on Accessing Micro Finance Wise
3.25 a) Aware on Micro Finance
Are you aware about microfinance

Valid Yes 50 100.0 100.0 100.0
INTERPRETATION
From the above table shows that 100% of the respondents are aware about the micro
finance.
Table 4.25 b) Beneficiary for Economic Activity
Microfinance directly helps the beneficiary for their economic activity

Valid strongly agree 9 18.0 18.0 18.0
Agree 38 76.0 76.0 94.0
Neutral 3 6.0 6.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 18% strongly agree, 76% agree and 6% are neutral
about micro finace directly helps beneficiary
21
Table 4.25 c) Costs of Getting Wise Distribution
Costs of getting microfinance is very less when we compared to public banks

Agree 35 70.0 70.0 98.0
Neutral 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table show that 28% strongly agree, 70% agree and 2% are neutral
about cost of getting microfinance is less compared with public sector bank
Table 4.25 d) Loan requires personnel asset
For availing the microfinance loan one requires personal assest to get it
Agree 27 54.0 54.0 94.0
Neutral 3 6.0 6.0 100.0
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 6% of respondents are neutral with the statement that
personal asset require for availing micro finance loan, 40% are strongly agree and 54% agree,
that availing micro finance requires personal asset.
22
Table 4.25 c) Costs of Getting Wise Distribution
Microfinance loan can be obtained with in short duration

Agree 13 26.0 26.0 98.0
Neutral 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 72% of the respondents strongly agree , 26% of the
respondents agree and 2% are neutral about loan can be obtained in a short duration
Table 4.25 d) interest rate of microfinance
Interest rate in microfinance is very less when compared to other loans

Agree 23 46.0 46.0 98.0
Neutral 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 52% of the respondents strongly agree, 46% of the
respondents agree and 2% of the respondents are neutral about the interest rate is
very less as compared to other loans
23
Table 4.25 g) Repayment pattern Wise Distribution
Repayment pattern are well with in the capacity of borrower

Agree 31 62.0 62.0 92.0
Neutral 3 6.0 6.0 98.0
11 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 32% of the respondents strongly agree, 62% of the
respondents agree and 6% are neutral about repayment pattern of micro finance
Table 3.26 Awareness on Banking Product and Service under

PMJDY
Table 4.26a) Zero Balance

Zero balance
Aware 38 76.0 76.0 96.0
Unaware 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 2% of the respondents are highly aware , 18% of the
respondents are somewhat aware, 76% of the respondents are aware and 4% unaware
about Zero balance in Pradhan Mantri Jan Dhan Yojana scheme
24
Table 4.26 b) Access to Pension, insurance products
Access to pension insurance products

somewhat ware 10 20.0 20.0 26.0
Aware 35 70.0 70.0 96.0
Unaware 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 6% of the respondents are highly aware, 20% of the
respondents are somewhat aware, 70% of the respondents are aware, 4% of the
respondents are unaware, and about the access to pension and insurance
Table 4.26c) Easy Transfer of money across India
Easy transfer of money across India

Aware 37 74.0 74.0 96.0
Unaware 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware , 74% of the respondents are aware , 4% of the
respondents are unaware about the easy transfer of money access on banking product
and service under Pradhan Mantri Jan Dhan Yojana scheme.
25
Table 4.26d) Debit Card and UPI
Debit card UPI
Aware 36 72.0 72.0 90.0
Unaware 5 10.0 10.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are unaware, 2% about the Debit Card and UPI on banking product and
service under Pradhan Mantri Jan Dhan Yojana scheme.
Table 4.26e) Accidental insurance cover of Rs.1 lakh

Accidental insurance cover of Rs.1lakh
Aware 38 76.0 76.0 92.0
Unaware 4 8.0 8.0 100.0
Total 50 100.0 100.0
INTERPRETATON
respondents are unaware about the accidental insurance cover of Rs.1 lakh on banking
product and service under Pradhan Mantri Jan Dhan Yojana scheme.
Table 4.27 Awareness towards Rural Development Schemes

(Government Schemes)
26
Table 4.27 a) National Rural Livelihood Mission
National rural livelihood mission
Valid somewhat ware 2 4.0 4.0 4.0
Aware 26 52.0 52.0 56.0
Unaware 22 44.0 44.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 4% of the respondents are highly aware, 52%
of the respondents are somewhat aware, 44% of the respondents are aware about
thenational rural livelihood mission on awareness towards rural development schemes
Table 4.27 b) Mahatma Gandhi National Rural

Employment Guarantee Act
Mahatma gandhi national rural employment guarantee act
Aware 32 64.0 64.0 78.0
Unaware 9 18.0 18.0 96.0
33 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows 2% of the respondents are highly aware ,12% of the respondents are
somewhat aware 64% of the respondents are aware 18% of the respondents are unaware about the
Mahatma Gandhi National Rural Employment Guarantee Act on awareness towards rural
development schemes.
Table 4.27 c) Pradhan Mantri Kaushal Vikas Yojana
Pradhan mantri kaushal vikas yojana
27
Aware 18 36.0 36.0 46.0
Unaware 26 52.0 52.0 98.0
33 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 36% of the respondents are aware, 18% of the
respondents are somewhat aware, 10% of the respondents, and 52% of the
respondents are unaware about Pradhan Mantri Kaushal Vikas Yojana on awareness
towards rural development schemes.
Table 4.27 d) Pradhan Mantri Awas Yojana

Pradhan mantri awas yojana
Aware 40 80.0 80.0 86.0
Unaware 7 14.0 14.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 80% of the respondents are aware, 6% of the respondents are
somewhat aware, 14% of the respondents are unaware about the Pradhan Mantri Awas Yojana on
awareness towards rural development schemes.
Table 4.27 e) Prime Minister Arogya Yojana
Prime minister arogya yojana
28
Aware 44 88.0 88.0 98.0
Unaware 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware, 2% of the respondents are unaware, of the Prime
Minister Arogya Yojana on awareness towards rural development schemes.
Table 4.27 f) National Rural Livelihood Mission
National rural livelihood mission

Aware 26 52.0 52.0 62.0
Unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are highly aware, 4% of the respondents are somewhat aware, 38% of the
respondents are unaware about the national rural livelihood on awareness towards
rural development schemes.
Table 4.27 g) National Old Age Pension Scheme
National old age pension scheme
29
Aware 33 66.0 66.0 94.0
Unaware 2 4.0 4.0 98.0
33 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are unaware about the national old age pension scheme on awareness
Table 4.27 h) National Widow Pension Scheme

National widow pension scheme
somewhat ware 14 28.0 28.0 36.0
Aware 13 26.0 26.0 62.0
Unaware 19 38.0 38.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are unaware about the national widow pension scheme on awareness
Table 4.27 I) National Family Benefit Scheme
National family benefit scheme

30
Aware 29 58.0 58.0 72.0
Unaware 14 28.0 28.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondent are somewhat aware 58% of the respondents are aware, 28% of the
respondents are unaware about the national family benefit scheme on awareness
Table 4.27 j) Pradhan mantri bharatiya janaushadhi

pariyojana
Pradhan mantribharatiya janaushadhi pariyojana
Aware 8 16.0 16.0 30.0
Unaware 31 62.0 62.0 92.0
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware, 16% of the respondents are aware 62% of the
respondents are unaware, 8% of the respondents are highly unaware about the Pradhan
mantri bharatiya janaushadi pariyojana awareness towards rural development schemes
Table 4.28 Beneficiary of the Rural Development Schemes
Are you a beneficiary of the rural development schemes

31
Valid Yes 43 86.0 87.8 87.8
No 6 12.0 12.2 100.0
Total 49 98.0 100.0
Total 50 100.0
INTERPRETATION
From the above table shows that 87.8% of the respondents are benefit at the rural
development schemes and 12.2% of the respondents are not benefit at the rural
development schemes
Table 4.29 Not Beneficiary Reason.
If you not a beneficiary what is the reason for this

Valid lack of opportunity 4 8.0 80.0 80.0
lack of awareness 1 2.0 20.0 100.0
Total 5 10.0 100.0
Total 50 100.0
INTERPRETATION
From the above table shows that 80% of the respondents Lack of opportunity , 20% of
the respondents responded that the reason for the not beneficiary is because lack of
awareness
Table 4.30 Beneficary by Rural Development Scheme

Do you think that people benefitted by these rural development schemes
Valid always benefitted 33 66.0 66.0 66.0
sometimes benefitted 16 32.0 32.0 98.0
rarely benefitted 1 2.0 2.0 100.0
32
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 66% of the respondents are always benefitted, 32%
of the respondents are sometimes benefitted, 2% of the respondents are rarely
benefitted rural development scheme.
Table 4.31 People’s Participation Enhancement
What are the ways which people participation enhanced

Valid initiatives to be taken by official 19 38.0 38.0 38.0
creating awareness among people 26 52.0 52.0 90.0
proper communication 4 8.0 8.0 98.0
through publicity 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 38% of the respondents say that initiatives to be taken by
the officials, 52% of the respondents say that by creating awareness among people, 8% of
the respondents say that propre communication, 2% of the respondents say that through
publicity about how people participation can be enhanced
Table 4.32 Aware of Existing Rural Scheme Developments
How informed are you about rural development programmes in your area
Valid highly informed 19 38.0 38.0 38.0
sometimes informed 29 58.0 58.0 96.0
rarely informed 2 4.0 4.0 100.0
33
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 38% of the respondents are highly informed, 58%
are sometimes informed and 4% rarely informed about existing rural development
schemes.
Table 4.33 Newly Development schemes Communicated
Are new development schemes properly communicated in time to local people

Valid always communicated 19 38.0 38.0 38.0
sometimes communicated 29 58.0 58.0 96.0
rarely communicated 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 58% of the respondents are sometimes communicated, 38% oare
always communicated and 4% are rarely communicated on new development schemes
Table 4.34 Introduce of New Rural Scheme

Which area of rural schemes introduced for rural development
Valid Education 11 22.0 22.0 22.0
Agriculture 7 14.0 14.0 36.0
Irrigation 5 10.0 10.0 46.0
Infrastructure 19 38.0 38.0 84.0
34
social welfare 7 14.0 14.0 98.0
Health 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 22% of the respondents need education, 14% of the
respondents need agriculture, 10% of the respondents need irrigation, 38% of the
respondents need infrastructure ,14% of the respondents need social welfare, and 2%
of the respondents need health to be introduced in a new rural scheme.
Table 4.35 Convenience of Rural Development
What view is the extent of convenience of schemes to rural people

Valid very high 1 2.0 2.0 2.0
High 26 52.0 52.0 54.0
Moderate 23 46.0 46.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that the extent of convenience of the schemes
of the rural development to the respondents are 2% are very high, 52% is
high, 46% is moderate
Table 4.35 Convenience of Rural Development
Table 4.36 b) Accidental Death
Accidental death
35
Satisfied 9 18.0 18.0 22.0
Neutral 39 78.0 78.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 78% are neutral 18% satisfied and 4% highly satisfied on
convenience on accident death
Table 4.36 b) Accidental Disability
Accidental disability
Satisfied 8 16.0 16.0 18.0
Neutral 40 80.0 80.0 98.0
Dissatisfied 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 80% are neutral 16% are satisfied 2% are highly satisfied and
2% on dissatisfied about convience on accidental disability
Table 4.36 c) Natural Death Assistance
Natural death assistance

Satisfied 4 8.0 8.0 10.0
36
Neutral 44 88.0 88.0 98.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 2% of the respondents are highly satisfied, 8% of the
respondents are satisfied, 88 % of the respondents are neutral 2% dissatisfied about natural death
assistance
Table 4.36 d) Funeral Expenses Assistance
Funeral expenses assistance

Valid Satisfied 2 4.0 4.0 4.0
Neutral 44 88.0 88.0 92.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 4% of the respondents are satisfied, 88% of the
respondents are neutral and 8% of the respondents are dissatisfied about funeral
expenses assistance
Table 4.36 Labour welfare schemes (Educational Assistance)
Table 4.36 e) Girl Children Studying 10th
37
Girl children studying 10th
Satisfied 23 46.0 46.0 60.0
Neutral 20 40.0 40.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 14% of the respondents are highly satisfied, 46% of the
respondents are satisfied, 40% of the respondents are neutral that the social security benefits girl
children studying 10th in Labour Welfare and social security measures.
Table 4.36 f) If the son or daughter Passed 10th
If the son or daughter passed 10th

Satisfied 24 48.0 48.0 62.0
Neutral 18 36.0 36.0 98.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 14% of the respondents are highly satisfied, 48% of
the respondents are satisfied, 36% of the respondents are neutral and 2% of the
respondents are dissatisfied that the social security benefits if the son or daughter
passed 10th in Labour Welfare and social security measures.
Table 4.36 g) Girl Children Studying 11th

38
Satisfied 6 12.0 12.0 28.0
Neutral 32 64.0 64.0 92.0
Total 50 100.0 100.0
INTERPRETATION
respondents are dissatisfied that the social security benefits girl children studying 11 th
in Labour Welfare and social security measures.
Table 4.36 h) Girl Children Studying 12th

Satisfied 5 10.0 10.0 26.0
Neutral 33 66.0 66.0 92.0
Total 50 100.0 100.0
INTERPRETATION
respondents are dissatisfied that the social security benefits girl children studying 12 th
in Labour Welfare and social security measures.
Table 4.36 i) If the son or daughter Passed 12th

If the son or daughter passed 12th
39
Satisfied 3 6.0 6.0 20.0
Neutral 35 70.0 70.0 90.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 14% of the respondent are highly satisfied, 6% of the
respondent are satisfied, 70% of the respondents are neutral, 5% of the respondents
are dissatisfied that the social security benefits if the son or daughter passed 12th in
Labour Welfare and social security measures.
Table 4.36 j) Regular Degree Course with Hostel Facility

Regular degree course with hostel facility
Satisfied 4 8.0 8.0 10.0
Neutral 34 68.0 68.0 78.0
33 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 2% of the respondents are highly satisfied ,8% of the
respondents are satisfied ,68% of the respondents are neutral, 20% of the respondents
are dissatisfied in regular degree courses with hostel facility in Labour Welfare and
security measures.
Table 4.36 k) Marriage Assistance

Marriage assistance
Neutral 38 76.0 76.0 78.0
Dissatisfied 11 22.0 22.0 100.0
40
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 2% of the respondents are highly satisfied ,76% of
the respondents are neutral a n d 22% of the respondents are dissatisfied about
Marriage assistance
Table 4.36 l) Maternity Assistance Miscarriage
Maternity assistance miscarriage

Neutral 32 64.0 64.0 76.0
Dissatisfied 12 24.0 24.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 12% of the respondents are satisfied, 64% of the
respondents are neutral, 24 % of the respondents are dissatisfied about Maternity
assistance miscarriage
Table 4.36 m) Pension

Pension
Satisfied 20 40.0 40.0 64.0
41
Neutral 18 36.0 36.0 100.0
Total 50 100.0 100.0
INTERPRETATION
the respondents are satisfied, 36% of the respondents are neutral about the pension in
Labour welfare and social security measures.
Table 4.37 Online Purchase Behavior
Do you buy products online

Valid Yes 25 50.0 50.0 50.0
No 25 50.0 50.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 50% of the respondents buy products o nline and 50%
of the respondents do not buy products online.
Table 4.37 a) Satisfied with online shopping experience

Are you satisfied with online shopping experience
Agree 19 38.0 38.0 42.0
42
Neutral 29 58.0 58.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 38% of the respondent agree , 4% of the respondents
strongly agree ,58% of the respondents are neutral with online shopping experience.
Table 4.37 b) Online Shopping vs. Traditional Shopping

Online shopping is hassle free as compared to traditional shopping
Agree 23 46.0 46.0 50.0
Neutral 15 30.0 30.0 80.0
Disagree 10 20.0 20.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 4% of the respondants strongly agree, 46 %
of the respondents agree,30% neutral 20% disagree about that Online shopping is
hassle free as compared to traditional Shopping.
Table 4.37 c) Online Shopping Comfortable

Do you feel online shopping is comfortable than traditional shopping
Agree 16 32.0 32.0 40.0
Neutral 18 36.0 36.0 76.0
Disagree 12 24.0 24.0 100.0
43
Total 50 100.0 100.0
INTERPRETATION
The total valid responses reveal that 32% of respondents are agree 36% are neutral,
24% respondents disagree and 8% are strongly agree that online shopping is
comfortable fas compared to traditional shopping
Table 4.37 d) Online Shopping Saves Time
Online shopping saves time and money as compared to traditional shopping

Agree 24 48.0 48.0 84.0
Neutral 7 14.0 14.0 98.0
Disagree 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows 36% of respondent strongley agree, 48% of the respondents
agree, and 14% of the respondents are neutral and 2% disagree that Online shopping
saves time and money as compared to traditional
Table 4.37 e) Online Shopping 24*7
Online shopping is preferred because of 24hrs shopping facility

Agree 24 48.0 48.0 86.0
Neutral 7 14.0 14.0 100.0
Total 50 100.0 100.0
44
INTERPRETATION
From the above table shows that 38% strongly agree ,48% agree, 14% neutral about online
shopping is preferred because of 24 hrs shopping facility
Table 4.38 Awareness towards Rural Innovative project
4.38 a) latest technology of water irrigation
Are you aware about the latest technology of water irrigation

Valid drip irrigation 8 16.0 16.0 16.0
sprinkler irrigation 42 84.0 84.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 16% of the respondents suggest drip irrigation, 84% of
the respondents suggest sprinkler irrigation,
Table 4.38 b) Benefits of KISAN scheme
Are you aware about benefits of KISAN scheme for farmers

Aware 32 64.0 64.0 86.0
Unaware 6 12.0 12.0 98.0
45
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware ,64% of the respondents are aware 12% of the
respondents are aware and 2% of the respondents are unaware about the benefits of
KISAN scheme for farmers.
Table 4.38 c) KISAN RATH Mobile App

Are you aware about KISAN RATH mobile app
Aware 7 14.0 14.0 20.0
Unaware 31 62.0 62.0 82.0
44 1 2.0 2.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 6% of the respondents are somewhat aware, 14% of
the respondents are somewhat aware ,62% of the respondents are unaware, 16% of the
respondents are highly unaware about the KISAN RATH Mobile App which
facilitates the farmers and traders across the country for transportation of Agri-
producer
Table 4.38 d) subsidy schemes

Are you aware about subsidy schemes that favours farmers
somewhat ware 12 24.0 24.0 62.0
Aware 19 38.0 38.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 38% of the respondents are highly aware, 24% of
46
the respondents are somewhat aware ,38% of the respondents are aware, about the
subsidy schemes that are in favor of farmers owning the necessary machinery.
Table 4.38 e) modern agricultural technological

applications
Do you think any training is needed for farmers to use modern agri technology
Valid Yes 45 90.0 90.0 90.0
No 5 10.0 10.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 90% of the respondents need training and 10% of the
respondents are doesn’t need training to use modern agricultural technological
applications.
Table 4.38 f) advantages of use of modern

technological applications
mention advantages and merits of use of modern technlogical applications in output and agriculutural output
Valid increased output 14 28.0 28.0 28.0
increase in productivity 36 72.0 72.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 28% of the respondents say that it has increased output 72% of
the respondents say that it increases in productivity, advantages and merits of use of modern
technological applications in terms of agricultural output
47
Table 4.38 g) Biogas setup
Are you aware about the subsidy schemes for biogas setup from the government
Aware 29 58.0 58.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware, 58% of the respondents are aware, about the
subsidy schemes for Biogas setup from the government.
Table 4.38 h) Solar energy setup

Are you aware about the subsidy schemes for solar energy from government
Aware 28 56.0 56.0 96.0
Unaware 2 4.0 4.0 100.0
Total 50 100.0 100.0
INTERPRETATION
respondents are somewhat aware ,56% of the respondents are aware, 4% of the
48
respondents are unaware about the subsidy schemes for solar energy setup from the
government.
TABLE 4.39 a) NMDFC SCHEMES

NMDFC schemes
Aware 9 18.0 18.0 20.0
Unaware 40 80.0 80.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 2% of the respondents are somewhat aware, 2% of the
respondents are somewhat aware and 18% of the respondents are aware about NMDFC Schemes
TABLE 4.39 b) Dairy schemes

Dairy Entrepreneur development schemes
Aware 29 58.0 58.0 66.0
Unawar e 17 34.0 34.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 6% of the respondents highly aware, 2% of the respondents are
somewhat aware, 58% of the respondents are aware and 34% unaware about Dairy schemes
49
TABLE 4.39 c) Livestock
National Livestock mission
Aware 24 48.0 48.0 52.0
Unaware 24 48.0 48.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 4% of the respondents somewhat aware, 48% of the respondents
are aware and 48% of the respondents are unaware about livestock mission
TABLE 4.39 d) NORKA

NORKA Department project for rehabilitation of return emigrants
Aware 35 70.0 70.0 84.0
Unaware 8 16.0 16.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 14% of the respondents somewhat aware, 70% of the
respondents are aware and 16% of the respondents are unaware about NORKA
TABLE 4.39 e) Education Repayment
50
Education loan repayment support scheme
Aware 39 78.0 78.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 20% of the respondents highly aware, 78% of the respondents
are aware and 2% of the respondents are somewhat aware about Eduction Repayment schemes
TABLE 4.39 f) Karshika Keralam
Department of agriculuture development and farmers welfare-Karshika keralam

somewhat ware 13 26.0 26.0 32.0
Aware 28 56.0 56.0 88.0
Unaware 6 12.0 12.0 100.0
Total 50 100.0 100.0
INTERPRETATION
From the above table shows that 6% of the respondents highly aware, 56% of the respondents are
aware, 26% of the respondents are somewhat aware and 12% are unaware about Karshika
Keralam
51
Chi-square
Chi-Square Tests
Asymp. Sig. (2-
Value df sided)
Pearson Chi-Square 11.813a 12 .461

Likelihood Ratio 12.383 12 .415
Linear-by-Linear Association 2.349 1 .125
N of Valid Cases 50
a. 16 cells (80.0%) have expected count less than 5. The
minimum expected count is .10.
52

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CHAPTER 4

Table 4.1 Age of respondent

Age of the respondent

Table 4.2 Family members

Table 4.4 Literacy Level Wise Distribution

Distributions of the heads of households by literacy level

Distributions of households by monthly income

Table 4.6 Occupation Wise Distribution

Distributions of households by occupation

Table 4.8 Types of Houses Wise Distribution

Distributions of households by type of house

Distibutions of households by assets value

Table 4.10 Bank Account Wise Distribution

Do you have a bank account

If yes what type of account

Table 4.12 Bank Name

Name of the bank

What type of ID proofs your submitting to open the account

Table 4.14 ATM Wise Distribution

Utilization of ATM services

Table 4.16 Withdraw of money Bank or ATM

Do you know how to with draw money from bank or ATM

Table 4.18 Frequency of Bank visiting Wise Distribution

Frequency of bank visit

Frequency of deposits and withdrawals

Table 4.20 Awareness of Internet Banking

Level of awareness on internet banking

Level of awareness on mobile banking

Table 4.22 Awareness on Bank Loan Wise Distribution

Level of awareness on bankloan

Access to insurance of rural households

Table 4.24 Banking Quality Services Wise Distribution

Overall perception of banking quality services for rural households

3.25 a) Aware on Micro Finance

Are you aware about microfinance

Frequency Percent Valid Percent Cumulative Percent

Table 4.25 b) Beneficiary for Economic Activity

Microfinance directly helps the beneficiary for their economic activity

Costs of getting microfinance is very less when we compared to public banks

Table 4.25 d) Loan requires personnel asset

Microfinance loan can be obtained with in short duration

Table 4.25 d) interest rate of microfinance

Interest rate in microfinance is very less when compared to other loans

Repayment pattern are well with in the capacity of borrower

Table 3.26 Awareness on Banking Product and Service under

Table 4.26a) Zero Balance

Access to pension insurance products

Table 4.26c) Easy Transfer of money across India

Easy transfer of money across India

Table 4.26e) Accidental insurance cover of Rs.1 lakh

Table 4.27 Awareness towards Rural Development Schemes

Table 4.27 b) Mahatma Gandhi National Rural

Table 4.27 c) Pradhan Mantri Kaushal Vikas Yojana

Pradhan mantri kaushal vikas yojana

Table 4.27 d) Pradhan Mantri Awas Yojana

Table 4.27 e) Prime Minister Arogya Yojana

Prime minister arogya yojana

Table 4.27 f) National Rural Livelihood Mission