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CHAPTER- I
RESEARCH DESIGN
1.1 INTRODUCTION:
Women are an integral part of every economy. All round development and
harmonious growth of a nation would be possible only when women are
considered as equal partners in progress with men. Empowerment of women
is essential to harness the women labour in the main stream of economic
development. Empowerment of women is a holistic concept. It is
multidimensional in its approach and covers economic political, social,
cultural and familial aspects. Of all these facts of women development,
economic development is of utmost significance in order to achieve a lasting
and sustainable development of society. Precision of micro-finance through
self-help groups is an important means for attaining women empowerment.
The micro finance industry, which began in 1976 with the establishment of
Grameen Bank in Bangladesh, is now a worldwide movement comprising
thousands of specialist, banks credit unions, co-operatives, village credit
societies, NGOs and charities spanning across both the rich and the poor
countries. The common purpose is to extend the outreach of banking
services especially business credit to those who do not quality for normal
bank loans. Micro credits are granted at commercial interest rates, though at
much lower rates than those charged by the informal moneylenders.
In order to enlarge the flow of credit to the hard-core poor, the NABARD
launched a scheme of organizing them into self-help groups (SHGs) and
linking the SHGs with the banks, in 1992 the scheme is broadly on the
pattern devised by the Bangladesh Grameen Bank. Under the scheme, poor,
preferably the women are organized in the SHGs and banks are financing
these SHGs for lending money and those poor who are eligible for
concessional refinance from the NABARD.
There are three district modes to route the credit to micro-enterprises. Under
the first mode, banks lend directly to the SHGs for lending to micro-
entrepreneurs. Under the second mode, banks provide loans to the NGOs for
lending to the SHGs and ultimately to the micro-entrepreneurs. Under the
third mode, banks extend credit to the SHGs with the NGO as the facilitator.
Keeping pace with the banks, the Govt. of India has taken a number of steps
to alleviate the poverty of the villages. A number of programmers have been
designed to augment the flow of credit to the poor with varying degree of
implicit and explicit subsidies.
The present research was to study the critical study of self help groups with
reference to Raichur District so far, this type of study on self help group has
not been attempted in Sindhanur city. Hence it is necessary to work in this
area. This would be of great help to the implementing agencies to bring
necessary improvements in the self help groups for attaining the overall
empowerment of women & men. The knowledge on these aspects could be
used to develop strategies to motivate self help group members for their
enhanced participation in the group. The outcome of the study would
suggest the factors that are responsible for the good performance of self help
groups formed by Government and Non Government organization. Further
the study would highlight the role and importance of micro-credit,
microfinance institution; role of government and self help groups in offering
micro-credit. The results of this study would be offer important input to
planners, policy maker, Non-governments organizations for framing policies
to empower the women through self help groups.
The success of the programmers depends upon its critical study of self help
group. Hence attempts have also been made to find out the benefits attained
after implementation of self help groups and effectiveness made under this
study. The study also surveys the problem faced by the members of the
groups. The findings of which can be used for planning programmers and
better strategies can be evolved based on the results for the effective
functioning of self help groups.
PRIMARY DATA:
SECONDARY DATA:
Secondary data collected by Muthoot Fin corp Sindhanur branch and The
group discussion was also made to cross-check the collected information,
also informal interview with detailed checklist has been canvassed with
community leader, non-governmental organization and promoting agency
personnel to have deeper understanding of the problems. The overall
progress of self help groups is being assessed with the help of secondary
data which are collected from published sources like Noted publication of
Government of India. Viz. Yojana, Kurukshetra, RBI bulletin, India 2008,
Annual reports and Records of NABARD, District Rural Development
agency (DRDA), District Urban development agencies, collection of
research in available to other universities agencies in comparative study,
preparation of profile from various magazines and research journals
periodicals, newspaper, internet. Opinion, interviews, extrudes of executive
of corporate houses from relevant articles etc.
The sample population for the field survey comprises a total of 200
respondents from Raichur Districts. The sample comprises 50 members of
1. Book’s.
3. Published articles.
4. By Internet.
It gives the information about the process of the study, which includes
statement of problem, objectives of the study, limitation of the study,
methodology and chapter scheme.
Chapter-II
COMPANY PROFILE
Muthoot Finance Ltd is the largest gold company in India. The company
name was changed to Muthoot Finance Ltd. They obtained fresh RBI
license to function as an NBFC without accepting public deposits,
consequent to change in name. During the year 2009-10, the company
added 620 new branches. As per the scheme of de-merger, the radio
business of the company was de-merged and transferred to Muthoot
Broadcasting Pvt Ltd with effect from January 01, 2010. The company
opened 316 new branched between April 2010 to August 2010. As of
August 31, 2010, they had 1,921 branches located in 20 states and two
union territories in India. The company intends to continue to grow their
loan portfolio by expanding their network through the addition of new
branches.
VISION:-
“Be the most trusted, globally diversified institution enriching lives of the
masses while contributing back to the society.”
MISSION:-
CHAPTER – III
3.1. INTRODUCTION:
Self help groups (SHGs) are small groups of poor people. The member of an
SHG faces similar problems. They help each other to solve their problem.
SHGs promote small savings among their members. The savings are kept
with the bank. This is the common fund in the name of the SHG.
The SHG give small loans to its members from its common fund. After six
months, if the SHG satisfies the Bank as per the check list for quality, Bank.
The women Self Help Group (SHG) model is the home-grown model.
Primarily, it results from NGOs searching for community based institutions,
which may help the poor to overcome their vulnerability and lack of
resources. The Self-Help Promoting Agencies (SHPAs) quickly found that
savings and loans could be the binding factor for groups to remain active for
longer periods and pursue their own agenda. Probably, the Bhagavatula
Charitable Trust in Visakhapatnam district in Andhra Pradesh is the first
organisation to promote women savings and credit groups in rural areas of
the country. In the mid-eighties, there were a few similar experiments,
mostly in Andhra Pradesh and other Southern states. Initially, it was mostly
savings centred groups, as banks did not have any provision to have linkages
with informal groups. Even the SHG savings accounts used to be opened in
the name of 2 or 3 individuals in the group. Groups used to circulate their
own savings as small loans among their members. Some SHPAs have
promoted networks of SHGs, commonly known as ‘feder-ations’ to facilitate
the intergroup circulation of funds. Networks like SHPAs have also accessed
external grants and loan funds for on-lending. In 1987,NABARD
provided`1 million as grant or soft loan to MYRADA to lend to its groups.
GOVERNMENT COLLEGE-SINDHANUR Page 12
SELF HELP GROUPS
(A) PRE-INDEPENDENCE ;
(D) MEMBERSHIP:
From one family, only one person can become a member of an SHG. (more
families can join SHGs this way) The group normally consists of either only
men or only women. Mixed groups are generally not preferred Women's
groups are generally found to perform better. (They are better in savings and
they usually ensure proper use of loans) Member should have the same
social and financial background.(Advantage: This makes it easier for the
members to interact freely with each other. If members are both from rich as
well as poor class, the poor may hardly get an opportunity to express
themselves).Some Common Factors for Membership in a SHG Women .
(E) MEETINGS:
The group should meet regularly. Ideally the meetings should be weekly or
at least monthly. (Advantage: They become closer, if they meet regularly.
This help them to understand each other's difficulties better)Full attendance
in all the group meetings will make it easy for the SHG to stabilize and start
working to the satisfaction of all. Membership register, minutes register etc.,
are to be kept up to date by the group by making the entries regularly.
(Advantage: This helps to know about the SHG easily. It also helps to build
trust among the SHG member) Maintaining of Accounts by the SHG Simple
and clear books for all transactions to be maintained.
If no member is able to maintain the books, the SHG may take outside help.
(Ithas been seen that a boy or girl from the village with some educational
qualification does this job enthusiastically. After some months, the group can
even consider giving him or her a small reward for his job) Books to be
maintained by a SHG
(F) Vision:
(G) Mission:
Minutes Book
Shows the savings of each Members separately and the group as a whole.
Details of individual loans, repayments, interest collected, balance etc are
entered here.
Summary of receipts and payments are updated in every meeting and are
entered in weekly/ Fortnightly /Monthly Register.
stationary, rubber stamp, register, postage etc. After six months anotherone
time collection of Rs.10 is also to be made.
The members of the group also contribute a minimum of the group of rupees
two per month per member as Group Maintenance Fund. This could be
utilized for certain minor purpose like travel allowance for bank visits,
purchase of stationary etc. The amount collected for group maintenance may
vary from group to group or from NGO to NGO. The amount is collected
according to the instructions given by NGO's.
All SHG members regularly save a small amount. The amount may be small,
but savings have to be a regular and continuous habit with all the members.
Savings first - credit later’ should be the motto of every SHG member’s
members take a step towards self dependence when they start small savings.
They learn financial discipline through savings and internal lending
(Advantage: This is useful when they use bank loans)
b) Internal lending:
The SHG should use the savings amount for giving loans to members. The
purpose, amount, rate of interest, schedule of repayment etc, are to be
decided by the group itself. Proper Accounts to be kept by the SHG.
c) Discussing Problems
In every meeting, the SHG should be encouraged to discuss and try to find
solutions to the problem faced by the members of the group. Individually,
the poor people are weak and lack resources to solve their problems. When
the group tries to help its members, it becomes easier for them to face the
difficulties and come up with solutions.
The SHG takes loan from the bank and gives it as loan to its members
Soon after an SHG is formed and one or two meetings held where the
savings are collected, a savings bank account can be opened in the name of
the SHG. The following steps will explain how this can be done.
The Reserve Bank of India has issued instructions; permitting banks to open
SB account of SHGs.SB account in the name of SHG could be opened after
obtaining from the group of the following documents.
The SHG has to pass resolution in the group meeting, signed by all
members, indicating their decision to open SB account with the Bank. This
resolution should be filed with the Bank.
The SHG should authorize at least three members, any two of whom, to
jointly operate upon their account. The resolution along with the filled in
application form duly introduced by the promoter may be filed with the
Bank Branch.
This is not a must. If the group has not formulated any such rules or
Regulations loans can be sanctioned without them. A savings bank account
pass book may be issued to the SHG. This should be in the name of the SHG
and not in the name of any individual’s.
After savings for a minimum period of two and three months, the common
savings fund should be used by the SHG for lending to its own members.
The purpose, terms and conditions for lending to its members, rate of
interest etc., may be decided by the group through discussion during its
meeting. RBI and NABARD have permitted the members to decide on these
aspects. The interest is usually kept as two or three rupees per hundred
rupees per month. The interest per month is better understood in villages
than annual interest. Simple and clear books of account of savings and
lending should be kept by the SHG.
Assessing of Self Help Groups under SHG bank linkage programmes S.No.
Category Indicators Rating
51% to 90 % and 30% to 50% Depending upon purpose 18% to 30% and
Less than 18% 100% Between 80 % to 95% Between 70% to 80% More
than 50%.Between 25% to 50% Less than 25 %.
Farmers’ Clubs and Individual Rural Volunteers (IRVs). It has been sharply
focusing on underserved states and regions. NABARD has been increasing
the promotional amount significantly in recent years. Further, NABARD has
been facilitating training and exposure to numerous primary and secondary
stakeholders year after year. A total of ` 99.3 million (NABARD, 2010) was
spent on providing training and exposure in 2009-10. Another important
source of funds is the SGSY programme of Government of India.
Business 65 67 86 218
Caste Occupation 0 0 7 7
Homogeneous
Common interest
Voluntary in nature
Mutual self-help
Non-political
Rotation of leadership
Participatory
The concept of self-help and mutual help existed in our country prior to any
organized or formal form of self-help and mutual help. The history of
organized self-help and mutual help may be traced back to the origin of the
concept of credit unions. The concept of credit unions was a development in
the field of thrift and credit. A credit union is a group of people who join
together to save money and to make available loans to each other at a low
rate of interest. A credit union is a financial co-operative organized by a
group of people with a shared field of membership. The origin of formal
credit unions is from Germany towards the middle of the 19th century. Even
before the formal credit union came to India, by the first half of twentieth
century, there existed different kinds of such informal systems centered
around religious institutions, through which the poor were encouraged the
habit of savings to meet some urgent needs of the family. As far as Kerala is
concerned, there existed "Kuri", "Payattu" and "Chitti" since long ago, in
different forms at different regions, for petty family consumption utility, as
well as for major investments in income-generation activities. The concept
of formal credit union was very well accepted by the Non-Governmental
GOVERNMENT COLLEGE-SINDHANUR Page 27
SELF HELP GROUPS
From the idea of credit unions, Cooperative movement came into existence.
Development of Cooperative has been envisaged as a significant strategy to
build up strength in the people. With limited means, the co-operative
movement aims at saving the rural poor, small farmers, marginal farmers,
agricultural laborers and small artisans from exploitation by moneylenders.
Today, India has a wide network of primary agricultural credit societies at
village level. At district and state level, co-operative federations have also
been set up in almost all states. According to Karmakar (1999), the ideas
based on cooperation, stressing thrift and mutual help among the peasants,
emerged, which led to the Cooperative Credit Societies Act. Under this act
small cooperative societies were to be organized to meet the short-term
credit needs of the farmers. Adoption of the Act in 1904 marked the
beginning of efforts to build an institutional finance system for agriculture.
According to (Puhazhendhi, 2000), at one stage, cooperative credit
institutions in the country were considered as an option to bridge the gap
between the poor and the Banks. However, the poor could not derive the
intended benefits from the cooperatives mainly because the size of the
cooperative societies was too large and people of diverse interests were
grouped together. Economic and caste barriers were too strong for the people
to work together as one cohesive unit.
The partial nationalization of the Imperial Bank of India and the formation
of a large number of new branches after 1955, coupled with the continuing
failure of cooperative credit institutions, led to the nationalization of 14
largest commercial banks in 1969. This led to a significant expansion of the
number of rural branches for the purpose of monetising the rural economy.
However, with increasing emphasis on 'priority' sector loans targeted at the
poor and the weaker sections of the society, Regional Rural Banks (RRBs)
were formed from 1975 onwards.Karmakar, 1999) According to Karmakar,
almost all RRBs made losses from their lending operations and about 70
percent have accumulated losses in excess of their share capital, thereby
becoming legally bankrupt. While these banks suffer very much from the
general problem of the commercial banking system non-viability was built
into their very concept. Staff costs levels, which were initially expected to be
low, are close to that of commercial banks and the management, including
that at the board level, is considered unsatisfactory. According to
Puhazhendhi, the RRBs could not fully achieve the goal as the issue of non-
viability plagued them. Further, the fundamental malady of rural credit
system has been the high level of overdue and the resultant bad debts, which
threatened the basic structure of rural lending, making it non-viable and
functionally ineffective (Puhazhendhi, 2000).
credit needs are concerned, NGOs started organizing them into community
based organizations known under different names, like credit unions, Mahila
Mandals, Mahila Samajams etc. Experience shows that the key to success of
these groups and organizations lies in ensuring full cooperation and
participation of people at the grassroots level. Under various poverty
alleviation/eradication efforts, these days, both by the Governments as well
as NGOs, several types of community based organizational structures have
come up throughout the country enabling the poor women to get out of the
clutches of money lenders.The grassroots level women’s collectives, better
known these days as the SHGs, are the primary unit, common to most of the
NGOs in terms the ‘empowerment wing’ of the women’s movement. The
women’s collective has been accepted by NGOs as a standard entity at the
village level, consisting of 10 or even as many as 60 women. Some of the
Women’s NGOs who had taken initiatives in this field were Cooperative
Development Foundation (CDF), Andhra Pradesh; Working Women's Forum
(WWF), TamilNadu; Self Employed Women's Association (SEWA), Gujarat;
and Women's Development Programme (WDP),Rajasthan. Besides the
above NGOs, there were others like the Mysore Resettlement and
Development Agency (MYRADA) in Karnataka; the Professional Assistance
for Development Action (PRADAN) in Tamil Nadu; the Rayalseema Seva
Samithi (RASS) and Youth Charitable Organization (YCO) in Andhra
Pradesh; the Utkal Mahila Sanchaya Vikas (UMSV) under the aegis of
People's Rural Education Movement (PREM); the Gram Vikas in Orissa
etc.,
The concept of Self-Help Group (SHG) is not something very new. Katz
and Bender (1976) provided a comprehensive definition of self-help groups.
"Self-Help Groups are voluntary, small group structures for mutual aid and
the accomplishment of a special purpose. They are usually formed by peers,
who have come together for mutual assistance in satisfying a common need,
Pilot project was to evolve supplementary credit strategies for meeting the
credit needs of the poor by combining flexibility, sensitivity, and
responsiveness of informal credit system with the financial resources of the
For the SHG system developed and promoted by NABARD, they took the
initiatives for linkage between SHGs and NGOs on the one hand, and the
banks on the other. Several models of SHG-Bank linkage programme were
tried out. As a result of these experiments, three most commonly used
Models throughout the country came into existence. In Model I, the SHGs
were organised and promoted directly by Banks. The bank provided credit in
bulk directly to the SHG, which might be an informal or formal body. The
SHG, in turn, would undertake on-lending to its members, on terms and
conditions agreed upon mutually among them. NABARD provided refinance
assistance to the lending Bank. In this Model there was no involvement of
NGOs But in Model II, NGO organized and promoted the SHGs, and then
referred those SHGs to the Bank for lending directly either to the SHGs or to
individual members of the SHGs. Here, the NGO stood only as a support to
both the Bank and the SHGs, for monitoring and evaluation of the
projects,proper functioning of the SHGs, repayment of the loans, provided
training to members of SHGs, etc. NABARD provided refinance to the
lending Bank. And in Model III, the SHGs were organised and promoted by
NGO and then referred to the Bank for linkage, and the Bank provided
finance directly to the NGO for on-lending either to the SHGs or to
individual members of SHGs. The NGO was fully responsible for making
sure the repayment of the loan to the Bank, with proper monitoring and
evaluation of the projects, as well as of the proper functioning of the SHG,
and training of members of SHGs. NABARD provided cent percent
refinance to the lending Bank. However, for the present study only the SHGs
of poor women under Model II and Model III were taken into consideration,
where there was involvement of NGOs in organizing, linking and promoting
the SHGs. As per NABARD, in Kerala, there are 5,629 SHGs under Model
I, 13,403 under Model II and 14, 696 SHGs under Model III, linked to
various financial institutions like Commercial Banks, Regional Rural Banks
and Cooperative Banks (NABARD, 2003-2004)
As per NABARD guidelines, the NGOs have been playing an active role in
fostering the growth of SHGs for furtherance of their basic objectives. It has
been observed that NGOs, as a fundamental principle of their developmental
role, always aim to make the rural poor economically self-sufficient through
development of individuals with group support of his fellow villagers. This
traditional concept took an interesting turn with the introduction of linkage
of the SHGs with the formal banking system, started by NABARD in India
through Pilot Project from the year 1991-92. Consequently, the role of
NGOs also assumed an additional dimension to economic up lift ment of the
poor. In the backdrop of these developments and the traditional promotional
activities, undertaken by the NGOs for the SHGs, the NGOs are expected to
support the SHGs in the following areas: _ to motivate the rural people to
organise themselves and to form into self help groups at village level: _ to
educate, train the group members in managing the group activities like
maintenance of books of accounts, conducting meetings, management of
funds, etc; _ to inculcate, promote thrift and savings habit among the group
members and to help in institution building along with the development of
individual;
to make available credit facilities and to act as a link between the rural
poor and the bank;
to educate and train the group members to utilize credit properly and
to improve their economic conditions;
The anti poverty initiatives by the State Government with assistance from
the Central Government, like the Development of Women and Children
in Rural Areas (DWCRA); the Urban Basic Services (UBS); the Urban
Basic Services for the Poor (UBSP); Community Based Nutrition
Programme and Poverty Alleviation Project (CBNP & PAP); the Prime
Minister's Integrated Urban Poverty Eradication Programme (PMIUPEP)
etc. were implemented through Self Help Groups of women.
TheSwarnJayanti Shahari Rozgar Yojana (SJSRY); Development of
Women and Children in Urban Areas (DWCUA); in urban areas, the
Swarnajayanti Gram Swarozgar Yojana (SGSY)
According to Khan (2001) and Sinha (2002) the Eighth Five Year Plan
(1992-97) makes a shift from 'development' to 'empowerment' of women.
Policies, programmes and projects
designed to assist and uplift the low-income women, have shifted from
"welfare approach" to an "empowerment approach". Hence, a number of
measures have been taken by the Government in this direction for social and
economic emancipation of women. According to Sahay, empowerment
occurs both at individual as well as collective levels. At individual level, a
new confidence and sense of self-efficacy emerges as the person redefines
him or herself as a more capable and worthy individual. Closely connected
to the psychological redefinition of self is the actual increase of individual
knowledge, competency, skills, resources, and opportunities, which enable
more effective action and interpersonal relations. There is a positive
interactive effect between the development of self-confidence and the
strengthening of personal ability. (Sahay, 1998) As per NABARD's estimate,
there are going to be several thousands of SHGs being linked with different
banks for their financing and several hundreds arewatching this development
with great interest and enthusiasm. Micro finance is now widely accepted
world over as an effective tool for socio economic empowerment of the
poor. The micro finance movement in Kerala is getting entrenched well with
the initiatives taken by the National Bank, Government of Kerala (through
Kudumbasree Programme) and with the participation of NGOs, bankers and
development agencies. Thus it is found that the SHG system is going to
become a movement inKerala. Taking this into consideration, the present
study would be of great importance to both for NGOs and for Kudumbasree
CHAPTER-IV
The analysis and interpretation is made in order to find whether the self
groups effect the individual’s financial position. In order to conduct the
study a questionnaire was prepared to the individuals responds towards the
groups, the questionnaire were prepared only which are required for the
study and it was prepared with satisfying individual’s personal feelings.The
questionnaire is prepared after making a survey with the customers who
have deposits. The study is basically a qualitative study were the questions
were prepared to know only whether the different deposits will satisfy of an
individual or not. The analysis and interpretation is done for each and every
question in order to know what the impact of deposits on individuals is and
also to know whether the individuals are really interested to the deposits
GOVERNMENT COLLEGE-SINDHANUR Page 41
SELF HELP GROUPS
Table= 4.1
15000 to above 4 8%
total 50 100%
GOVERNMENT COLLEGE-SINDHANUR Page 42
SELF HELP GROUPS
Analysis:
It was found that the 44% of the respondents belongs to the income level of
10000 per month followed by the 30 % of the respondents belong to the
income level of 10000 to 15000 per month, 18% of the respondents belong
to the income level below 5000 per month and 8 % of the respondents
belong to the income level of 15000 and above.
INTERPRETATION
It was observe that the majority of the account holders belong to income
group is rs 5000 to 10000 these people give more preference to open account
GOVERNMENT COLLEGE-SINDHANUR Page 43
SELF HELP GROUPS
Table= 4.2
Analysis:
It was found that the 44 % of the respondents belong to the age group
of 21 -30 year’s followed by the 24 % of the respondents belong to the age
group of 31-40 year’s, 24 % of the respondents belong to the age group of
41-50 years and 8 % of the respondents of the belong to the age group of
above 51 years.
INTERPRETATION:
It was observe that the majority of the respondents belong to the age group
of 21-30 years, these people are given more preference to take two –
wheelers loan in Muthoot Fin corp.
Table = 4.3
Analysis:
INTERPRETATION:
Table = 4.4
Analysis:
It was found that the 60 % of the respondents says that the Muthoot Fin
corp service charge is moderate followed by the 28 % of the respondents
says that service charge is low and the 12 % of the respondents opinioned
the service charges is high.
INTERPRETATION
it was observed the respondents opinioned service charge the Muthoot Fin
corp is to be moderate
Table: 4.5
Analysis:
It was found that the 52 % of the respondents taking loan in Muthoot Fin
corp for the reason of quick sanction of loan followed by the 26 % of the
respondents taking loan for the reasons of lower paper risk and 22 % of the
respondents taking loan for the reasons for lower interest rate.
INTERPRETATION
It was observed that the majority of the respondents taking loan for
the purpose of quick sanction of loan compare to other bank.
CHAPTER –V
5.1 FINDINGS:
The study was conducted to know the self help groups Muthoot Fin corp
loans and advances in Sindhanur city. The majority of the surveys are,
group of 21-30 year’s this age group people are given more preference
to take loan in Muthoot Fin corp.
5. 52 % of the respondents taking loan for the benefit of low interest rate
5.2 SUGGESTIONS:-
2. Micro credit facilities extended by public sector banks through the SHGs.
5.3 CONCLUSION:
The above findings and suggestion’s clearing that the bank employees
are good in their work. the bank was concentrating equal towards all the
self help group’s of loans and advances are charge in the satisfaction
from one person to another person is change. According to the study it
shows that majority of the existing customer are satisfied with loans and
advances of the product of the muthoot Fincorp and entire customer are
continued chain of membership in area where through transaction of the
government policy is to reducing the rate of interest management of the
funds will be the prime task.
BIBILOGRAPHY
1. BOOKS:
4
Banking theory and Practice B.S. Raman
(United publishers Mangalore.)
Websites:
1. www.muthootfincorp.in
2. www.google.com
ANNEXURIE
QUESTIONNARIE
Dear Sir/Madam
Name: ________________________
Age: _____
Designation: __________________________________________
Address: _____________________________________________
_____________________________________________
_____________________________________________
2. Age:
2. Sex:
A. Male [ ] B. Female [ ]
3. Material status:
A. Married [ ] B. Unmarried [ ]
4. Education:
C. Degree [ ] D. Uneducated [ ]
5. Customer profile:
A. student [ ] B.
Employee [ ]
C.Business man [ ] D.
Agriculture [ ]
A. Yes [ ] B. No
[ ]
A. Days [ ] B. Months [ ]
C. Years [ ]
C. 15000-20000 { } D. 20000-25000 { }
11. Which purpose opens the account in the muthoot pincorp bank ?
A. Loan { } B. saving { }
C. R.D { }
A. Yes [ ] B. No [ ]
A. Yes [ ] B. No [ ]
A. Good [ ] B. Adequate [ ]
C. Satisfactory [ ] D. Poor [ ]
A. High [ ] B. Moderates [ ]
C. Low [ ]
18. What are the advantages of open the account in muthoot fincorp
bank ?
A. ________________________
B. ________________________
A. ________________________
B. ________________________