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SURVEY ON FINANCIAL INCLUSION (QUESTIONNAIRE) Place of Survey: _______________
Date: _____
Name: ______________________
Age: ______ _______
Gender: M/F
Occupation: ____
No. of family members:
___ adults
__
__________
___ children
A. SAVINGS: 1. Is your household having a one bank account? � Yes � No 2. No. of accounts in your household: � 1 � 2 � 3 � 4 � More than 4 3. Which type of account do you have? � Savings Bank a/c � Current a/c � Recurring Deposit a/c � Fixed Deposit a/c � If others, (please specify) ___________________________ 4. Is the bank account with a cheque book?
� Yes � No
5. What were the reasons that your household opened the account? � To receive Govt. payments from NREGP � To receive Govt. payments from schemes other than NREGP � For receiving remittances � For saving money � To request a loan � If others, (please specify) ___________________________ 6. Who helped you open the account? � Village Panchayat Officials � Bank Officials � Neighbor � Friends/Relatives � If others, (please specify) ___________________________ 7. How frequently do you save in your account? � don’t save / never � At least once a month � Less than once a month � I put in money as and when I can � I have paid money in but not in past 12 months � I have not added money since account was opened � If others, (please specify) __________________________ 72
8. Reasons for not having a bank account: � I have no money/little money to put in � No bank in this area � No point - benefits received in cash � No point - paid in cash � Concerned there may be too many charges � Tried to open but was refused � Lengthy processes � Not important to me � Anticipated rejection � If others, (please specify) _____________________________ 9. Reasons for being refused a bank account: � No ID � Previous bad credit history � No job, unemployed � Had to have a minimum amount � Had debts � Thought I was not trustworthy � Not lived here long enough - no credit history - use spouse's account � Don't know - did not say � If others, (please specify) ___________________________ 10. Are you aware that banks are opening zero min. balance accounts for everyone? � Yes � No 11. How did you find out that banks were opening such ‘no-frills’ accounts? � Bank Officials � SHG Members � NGOs � Neighbors � Village Panchayat � Farmer Clubs � Posters � Village Meetings � Newspapers/Advertisements � If others, (please specify) ___________________________ 12. Do you have any grievances in your ‘no-frills’ a/c? � No � If yes, please specify? _____________________________________ B. BORROWINGS: 13. Have your household ever borrowed or taken a loan? � No � If yes, from where? � Banks � Relatives � Friends � Moneylenders � If others, (please specify) _________________________
73 14. If borrowed from banks, which of the following reasons led to this choice? � Low rate of interest � Was offered/arranged by the banks � It is easy (vague) � Trustworthy lender � If others, (please specify) ___________________________ 15. If borrowed from sources other than banks, which of the following reasons led to this choice? � Being able to borrow relatively small sums � I did not need to provide security or guarantees � It was available locally � I can make repayments in cash in small weekly or fortnightly sums � It is convenient because they come to the door to collect � It is because I know the lender/collector � If others, (please specify) ___________________________ 16. If ever borrowed, what was the type of the credit/loan? � Housing loan � Business Loan � Training/Education loan � Vehicle loan � If personal loan, purpose of the loan � Household items � Computer � Day to day living expenses or bills � To pay off other debts � If others,(please specify) ____________ __ � If others, (please specify) ________________________ 17. If loan was availed, what difficulties were faced in the process? ______________________________________________________________________ ________ ____ 18. In the past three years, have you been refused a loan or credit? � Yes � No � Not asked for any credit 19. If you were refused, do you know why you were turned down? Please give details. ______________________________________________________________________ ______________________________________________________________________
C. OTHER FINANCIAL SERVICES 20. Are you using any other form of financial service or product? � No � If yes, then which one: � Insurance � Credit card � Debit card � If others, (please specify) ______________________ 74 21. What were the reasons for not availing any form of insurance? � Too expensive, can't afford it � Just don't bother, no real reasons � No need for it � I don't have much, nothing valuable � I am in process of doing it � No insurance men coming to door now � Have to have bank account � If others, (please specify) ___________________________________ 21. If already having insurance, which of the following type is it? � Life insurance � Health insurance � Vehicle insurance � If others, (please specify) ____________________________ 22. Reason for using the above said financial service(s)? ______________________________________________________________________ ______________________________________________________________________ 23. What difficulties were faced in the process of accessing the above financial service(s)? ______________________________________________________________________ ______________________________________________________________________ 24. In the past three years, have you been refused any of the above financial product(s)? � Yes � No � Not asked for any credit 25. If you were refused, do you know why you were turned down? Please give details. ______________________________________________________________________ ______________________________________________________________________ 26. Over the past couple of years, have you been anywhere for taking advice about money matters? � No, no where � Family/friends � Bank
� Financial Adviser � Social worker
� Others
___________ __
27. And would you say this advice was � Very helpful � Helpful � Neither helpful nor unhelpful � Very unhelpful � Not sure 28. Is there any financial advice centre/credit counseling center in your area? � Yes � No 29. If yes, how satisfied are you with its working and the advice it provides? � Completely satisfied � Satisfied � Just ok � Unsatisfied � Completely unsatisfied 30. If you are not satisfied with its working, then please give reasons. ______________________________________________________________________ ______________________________________________________________________ 75 31. At present how worried are you about getting into debt? � Very worried � Fairly worried � Not very worried � Not at all worried � Not sure 32. What would you do if you needed money in an emergency? � Ask family or friends � Take out a bank loan or overdraft � Take out loan from other sources � Use my credit card � Sell something � Draw on savings � Don't know � If others, (please specify) ___________________________________ 33. Level of interest in local financial services (1.Very interested 2.Fairly interested 3.Not very interested 4.Not at all interested 5.Not sure): Saving small amounts of money �1�2�3�4�5 Take out a loan at reasonable interest �1�2�3�4�5 Taking a business loan �1�2�3�4� 5 Advice about managing debts �1�2�3�4�5 Advice on welfare benefits �1�2�3�4�5 More information about financial matters �1�2�3�4�5 34. Level of importance in the following (1. Very important 2. Fairly important 3. Not very important 4. Not at all important 5. Not sure): Bank a/c �1�2�3�4�5 Small personal loan �1�2�3�4�5 Credit card �1�2�3�4�5 Financial counseling �1�2�3�4�5 Investment advice �1�2�3�4�5 Financial education �1�2�3�4�5
35. Are you satisfied with the BC/BF model or you feel the need of a bank branch at your place? � Yes, satisfied � No, not satisfied (please give reasons) _______________________________________________ _ ______________________________________________________________________ 36. What do you think that the Government, local bodies, banks, NGOs and others might need to do to further achieve financial inclusion? ______________________________________________________________________ ______________________________________________________________________