ANNEXURE I 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: 1 234 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) __________________________

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 a risk 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 Neighbours 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) ___________________________ 14. If borrowed from banks, which of the following reasons led to this choice? Low rate of interest Good deal, good rate Was offered/arranged by the banks It is easy (vague)

Trustworthy lender If others, (please specify) ___________________________ 15. If borrowed from sources other than banks, which of the following reasons led to this choice? Being able to borrow relatively small sums I did not need to provide security or guarantees It was available locally I can make repayments in cash in small weekly or fortnightly sums It is convenient because they come to the door to collect It is because I know the lender/collector If others, (please specify) ___________________________ 16. If ever borrowed, what was the type of the credit/loan? Housing loan Business Loan Training/Education loan Vehicle loan If 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, been refused credit No, been given credit I wanted Not asked for any credit 19. If you were refused, do you know why you were turned down? Please give details. __________________________________________________________________________________ __________________________________________________________________ C.OTHER FINANCIAL SERVICES 20. Are you using any other form of financial service or product? No If yes, then which one: Insurance Credit card Debit card If others, (please specify) __________________________ 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, w hich of the following type is it? Life insurance Health insurance Vehicle insurance If others, (please specify) ____________________________ 22. Reason for using the above said financial service(s)? __________________________________________________________________________________ __________________________________________________________________ 23. What difficulties were faced in the process of accessing the above financial service(s)? __________________________________________________________________________________ __________________________________________________________________ 24. In the past three years, have you been refused any of the above financial product(s)? Yes, been refused credit No, been given credit I wanted Not asked for any credit 25. If you were refused, do you know why you were turned down? Please give details. __________________________________________________________________________________ __________________________________________________________________ 26. Over the past couple of years, have you been anywhere for advice about money matters? No, no where Family/friends Bank Financial Adviser Social worker If others, (please specify) ___________________________________ 27. And would you say this advice was Very helpful Helpful Neither helpful nor unhelpful Very unhelpful Not sure 28. Is there any financial advice centre/credit counseling center in your area? Yes No 29. If yes, how satisfied are you with its working and the advice it provides? Completely satisfied Satisfied Just ok Unsatisfied Completely unsatisfied 30. If you are not satisfied with its working, then please give reasons. __________________________________________________________________________________ __________________________________________________________________ 31. At present how well do you think you are managing your money? Managing well Just getting by Getting into difficulties Not sure 32. At present how worried are you about getting into debt? Very worried Fairly worried Not very worried Not at all worried Not sure

33. What would you do if you needed money in an emergency? Ask family or friends Draw on savings Take out a bank loan or overdraft Take out loan from other sources Use my credit card Sell something Don't know If others, (please specify) ___________________________________ 34. Level of interest in local financial services (1. Very interested 2. Fairly interested 3. Not 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 35. Level of interest in courses or sessions (same system of marking as in Q.34 above): Support for numbers or arithmetic 1 2 3 4 5 Support with reading 1 2 3 4 5 Support with expressing yourself in writing 1 2 3 4 5 Support with how to operate a bank account 1 2 3 4 5 Support for taking a loan 1 2 3 4 5 Support for various bankable products 1 2 3 4 5 36. Level of importance in the following (1. Very important 2. Fairly important 3. Not veryimportant 4. Not at all important 5. Not sure): Bank a/c 1 2 3 4 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 37. Are you satisfied with the BC/BF model or you feel the need of a bank branch at your place? Yes, satisfied No, not satisfied (please give reasons) ________________________________________________ __________________________________________________________________________________ 38. What do you think that the Government, local bodies, banks, NGOs and others might need todo to further achieve financial inclusion? _______________________________________________ _________________________________________________________________________________ _________________________________________________________________________________