Annexure 1: Questionnaire - Impact of Microfinance On Women Empowerment: Evidence From Gujarat

Annexure 1: Questionnaire - Impact of Microfinance on Women Empowerment:
Evidence from Gujarat
A) MEMBERSHIP DETAILS: SHG/ JLG
Sample Category:
_________________________________________________________________
1.1 Location of SHG/ JLG Village:
Taluka: District:
1.2 Area 1.2.1) Urban 1.2.2) Rural
1.3 SHG/ JLG Name
1.4 Member’s Name
1.5 Establishment year of

SHG/JLG
1.6 Number of Microcredit
cycle
1.7 Number of members at the
time of formation
1.8 Number of new members
who joined the group
1.9 Numbers of Members who
left the group
1.10 Reasons for leaving the
group
1.11 Rank in Scale of 1 to 5 (1 most important ,5 least 1.12 Criteria for forming the
important), your reason for joining the Group (SHG/JLG) SHG/JLG
1.11.1 Saving Source 1.12.1 Homogeneity in
Standard of
Living
1.11.2 Improved scope for capital 1.12.2 Proximity of
formation in the household Residences
1.11.3 Sources of loan for consumption 1.12.3 Involved in the
needs and Income generating Same Income
Activity (IGA) Generating
Activity (IGA)
1.11.4 Improves social status 1.12.4 Others (specify)
1.11.5 Source to get loan from other

banks
B) DEMOGRAPHIC DETAILS OF THE MEMBER AND THE HOUSEHOLD:
174
2.1) Caste 2.1.1) 2.1.2) SC 2.1.3) 2.1.4) 2.1.5) Minority
General ST OBC
2.2) Gender 2.2.1) Male 2.2.2) Female
2.3) Age 2.3.1) < 2.3.2) 18- 2.3.3) 26- 2.3.4) 36- 2.3.5)46- 2.3.6)>55
Group 18 25 35 45 55
2.4) Marital 2.4.1) Single 2.4.2) 2.4.3) 2.4.4) Widow

Status Married Divorcee
2.5) 2.5.1) Illiterate 2.5.2) Illiterate 2.5.3) 2.5.4) Secondary
Education but can sign Primary
2.5.5) 2.5.6) 2.5.7) Post 2.5.8) Others
Diploma/Techni Graduation Graduation (specify)
cal
Family Details:
3.1 Type of family 3.1.1) Nuclear 3.1.2) Joint
3.2) No of Family Members: 3.2.1) No of Earners:
3.3) Do you have Children? 3.3.1) Yes 3.3.2) No 3.3.3) No of Children:
3.4) How many Children (above the age of 3yrs) go to School/ College?
3.4.1) 1 3.4.2) 2 3.4.3) 3 3.4.4) More than 3 (Specify)
3.5) Please mention the education expenses of your household for the current year for
the school going children (Including school fees and other educational expenses)?
3.5.1) 0 3.5.2) 1- 2500 3.5.3) 2501-5000
3.5.4) 5001 – 7500 3.5.5) 7501 – 10000 3.5.5) >10000
3.6) Highest Education Level of the Children in your household (Above 3yrs of age)
3.6.1) Illiterate 3.6.2) Illiterate 3.6.3) Primary 3.6.4) Secondary

but can sign
3.6.5) 3.6.6) 3.6.7) Post 3.6.8) Others (specify)
Diploma/Technical Graduation Graduation
3.7) Any Dropouts: 3.7.1) Yes 3.7.2) No
3.8) Reasons for Dropout:
Occupation Details:
4.1 Self (Member) 4.1.1 No employment 4.1.2 Farmer 4.1.3 Farm

Labourer
175
4.1.4 Industrial Labour 4.1.5 Salaried Employee
4.1.6 Self Employed 4.1.7 others (specify)
4.2 Spouse 4.2.1 No employment 4.2.2 Farmer 4.2.3 Farm

Labourer
4.2.4 Industrial Labour 4.2.5 Salaried Employee
4.2.6 Self Employed 4.2.7 others (specify)
4.3 Other Family Member(s)

4.3.1. No Employment 4.3.2. Farmer 4.3.3. Farm
Labour
4.3.4. Industrial labour 4.3.5. Salaried Employee

4.3.6. Self Employed 4.3.7. Others (specify)
__________________
4.4 No of Employment Days:

4.4.1. Self_______ 4.4.2. Spouse _________ 4.4.3. Other Family
Member(s) ______
Living Conditions of the SHG member and the household:

5.1. Structural Condition of House: 5.1.1. Kuccha House 5.1.2. Pucca House
5.2. Ownership Status of House: 5.2.1. Owned 5.2.2. Rented 5.2.3.

Given by Govt.
5.3. Which Cooking Fuel do you Use: ______________
5.4. Access to facilities/ Amenities:

5.4.1. Sanitation facility within the house 5.4.2. Sanitation facility within the
area
5.4.3. Water Supply within the house 5.4.4. Water Supply within the
house
5.4.5. Safe drinking water within the house/area 5.4.6. Access to Medical Facilities
C. Economic Empowerment Variables:
LOAN DETAILS
6.1 Have you received loan as SHG/ JLG Member? 6.1.1. Yes 6.1.2. No
6.2 Amount of loan received ____________________________________________________
176
6.3 How many times have you received loan? _____________________________________
6.4 For what purpose have you received loan? _____________________________________
6.5 For what purpose have you utilised loan? _______________________________________
6.6 Have you been able to repay loan on time? 6.6.1. Yes 6.6.2. No
6.6.3. Sometimes
6.7 Have you borrowed loan from other sources? 6.7.1. Yes 6.7.2. No
6.8 How many times have you borrowed loan from other sources? ____________________
6.9 Sources of loan from other sources:

6.9.1. Friends/ Relatives 6.9.2. Money lender 6.9.3. NGO/ MFI/ NBFC
6.9.4. Other banks 6.9.5. Revolving Fund 6.9.6. Govt. Schemes
6.9.7. Others (Specify)
INCOME
7.1 Major Sources of Household Income:

7.1.1. Agriculture 7.1.2. Agriculture and allied activities 7.1.3. Industrial/ Agriculture
labour
7.1.4. Employment 7.1.5. Business 7.1.6. Pension
7.1.7. Rent 7.1.8. Others Specify___________________________________
7.2 Average Monthly Income: Rs.__________________
Household (Including Self)

7.2.1. ≤10,000 7.2.2. 11000-20000 7.2.3.21000-30000
7.2.4.31000-40000 7.2.5. 41000-50000 7.2.6. >50,000
Self: 7.3.1. ≤10,000 7.3.2. 11000-20000 7.3.3.21000-30000
7.3.4.31000-40000 7.3.5. 41000-50000 7.3.6. >50,000
SAVINGS
8.1 Does your household have a bank account? 8.1.1. Yes 8.1.2. No 8.1.3. No of
A/cs_____
8.2 Where do you save your money?
177
8.2.1. Bank 8.2.2. Post Office 8.2.3. Chit Fund
8.2.4. Savings with SHG/JLG 8.2.5. Cooperative Society 8.2.6. Others
(specify) _________
8.3 Ownership of the bank account:

8.3.1. Self 8.3.2. Spouse 8.3.3. Other Family Member(s)
8.3.4. Jointly with Spouse 8.3.5. Jointly with other family member
8.4 Who operates the bank account?

8.4.1. Self 8.4.2. Spouse 8.4.3. Other Family Member(s) 8.4.4 Jointly
8.5 Saving Pattern

8.5.1. No Savings 8.5.2. Regularly 8.5.3. Occasionally 8.5.4.
Rarely
8.6 Monthly Savings of the household: Rs.________________________

8.7 Average Annual Savings: 8.7.1. <500 8.7.2. 501-1000 8.7.3. 1001-
5000
8.7.4. 5001-10000 8.7.4. > 10000
8.8 Which of the following instruments do you use?

8.8.1. Passbook 8.8.2. ATM Card 8.8.3. Cheque book
CONSUMPTION EXPENDITURE PATTERN
9.1 How much do you spend on the following items?(Monthly)
Items Amount (Rs.) Self Contribution
9.1.1 Food
9.1.2 Clothing
9.1.3 Education
9.1.4 Health Care
9.1.5 Festival/ Recreation
9.1.6 Cable/ Newspaper/Mobil
9.1.7Transportation
178
9.1.8 SHG/ JLG loan Inst
9.1.9 Other Loan Instalments
9.1.10 Other Expenses
9.1Total
Ownership of Household Assets:
10.1Household Assets Value in Rs. Household Assets Value in Rs.
10.1.1 Gas Stove 10.1.10 Mobile
10.1.2 Mixer/ Grinder 10.1.11 Land Line
10.1.3 Fan 10.1.12 Cycle
10.1.4 Light 10.1.13 Motor Cycle
10.1.5 Cooler 10.1.14 Table& Chairs and

Sofa sets
10.1.6 Refrigerator 10.1.15 Bed with
foam/mattresses
10.1.7 Television 10.1.16 Jewellery
Gold
Silver
10.1.8 DTH/ Cable 10.1.17Others (Specify)
Equipment
10.1.9 CD Player/ Music 10.1 Total

System
Ownership of Productive Assets:

10.2 Productive Value in Owned 10.2 Productive Value in Owned
Assets Rs. by Self Assets Rs. by Self
10.2.1Agricultural 10.2.5Business
Land Assets
10.2.2Agricultural 10.2.6 Land

Equipment’s other than
agricultural land
10.2.3Live stock 10.2.7Others

(specify)
10.2.4 10.2 Total

Business Tools and
Equipment
179
E. Contribution to Decision Making and Mobility
12 Who takes the decision Self Spous Jointl 13 Women’s freedom and
for the following activities e y confidence of movement
12.1 Purchase of Basic 13.1 Can’t go outside
Household needs (Grocery)
12.2 Purchase of Livestock 13.2 Can visit another village
12.3 Purchase of household 13.3 Can visit other village
assets(TV, Fridge, Mobile, and nearest town
Furniture)
12.4 Purchase of Land/House 13.4 Can visit city
12.5 Children schooling 13.5 Can visit market for
expenses purchase of household items
12.6 Which school to send to
children
12.7 Health/ Medical
Expenses Family
12.8 Health/ Medical
Expenses for self
12.9Use of Birth Control
Methods
12.10Use of Loan Amount
12.11Girl Marriage Decision
12.12Children Marriage
Decision
F. Change in Family and Social Relationship
14 Has there been any Improv Improv Remain Slightly Worsene

change in the family and ed ed ed bad d
Social relationship after greatly slightly Consta 2
joining SHG 5 4 nt 3 1
14.1 Respect from Husband

14.2 Respect from Parents/
In-laws
14.3 Respect from Children
14.4 Recognition within the
group
14.5 Participation in
Community activities
14.6 Consideration of your
views for household decisions
14.7 Consideration of your
views for children
education/marriages
180
15.1 Have you ever been victim to domestic Violence? 15.1.1 Yes 15.1.2 No
15.2 If yes, then what is Resist Submit Complain Complain Warns 5

your response to the 1 2 ts to to
following domestic violence group 3 Relative 4
acts?
15.2.1 Verbal Abuse
15.2.2 Beating/ Physical

Violence
15.2.3 Negligence
15.2.4 Psychological and

emotional abuse
16 Has participation / Improve Remain Slight Worsened

training in the SHG group Improve d ed ly 1
helped you improve any of d Slightly Constan Bad 2
the following Greatly 4 t3
5
16.1 Reading/ Writing skills
16.2 Communication in the

meeting
16.3 Communication with the

outsiders/ bank officials/ others
16.4 Reading bank documents
16.5 Confidence in operating

bank account
16.6 Maintenance of records
16.7 Confidence in managing

financial crisis
16.8 Skills for one’s own work/
business
181
VII. Self Perception of Beneficiary Empowerment
17. Perception of the Beneficiary Stron Agr Neutral Disagree Strongly

gly ee 4 3 2 Disagree
Agree 1
5
17.1 Participation in Microfinance
increases income

increases savings

increases value of Household assets

increases value of Productive assets

provides employment opportunities

increases power of decision making

increases confidence to face problems

creates better awareness

creates knowledge about banking
operations

improves social status

improve level of education (children
education)

improve nutrient and health of
household

improves employability skills

improves participation in community
activities
182
Annexure 2: Microfinance and Women Empowerment – Variables used by various
researchers
Sr. Source Variables

No.
1 Syed M Hashemi &  Mobility
Sidney Ruth Schuler and  Economic security,
Ann Riley (1996)  ability to make small and large purchases,
 Involvement in major household decisions,
 Relative freedom from domination within
family,
 Involvement in political campaign and
protest.
2 Linda Mayoux (1997)  Economic vulnerability,
 income,
 control over income and assets ,
 Wellbeing for the household,
 Self wellbeing,
 Changes in gender roles
 network and experience of management and
decision making
 Wider Political Activity and legal constraints
3 Rahman (1999)  Use of Loan
 Domestic Violence
4 Juliet Hunt and Nalini  Decision Making regarding use of credit,
Kasynathan (2002) Loan management, income management
 Paid vs Unpaid labour,
 Control over purchases and marketing.
 Impact on Daughters and sons-Education
and workload,
 Impact on marriage practices,
 Impact on women's mobility,
 Violence against women
 Self-respect and self-worth
5 Dept. of Women and  Social Empowerment variables : No of

Child Development, years as SHG members, Participation in
(2004) decision making in family matters,
Awareness regarding legal rights for women
and children, govt. programmes and
schemes.
 Economic Empowerment: Saving/ post
office accounts, sources of meeting monetary
emergency, liberation from money lenders,
savings and loan from SHGs, Utilisation and
consumption of loan,
 Political Empowerment: Participation in
gram Sabha, voting
 Capacity Building
6 Nathalie Holvoet (2005)  Decision Making Agency
183
7 John Santiago Joseph  Age
(2005)  Education
 Family
 Caste
 Microcredit and self-help group
 Women Empowerment within Self, family
and group
8 Dr. Jyotish Prakesh Basu  Economic Decision Making
(2006)  Purchasing capacity
 Control over loans
 Control over income and savings
 Family planning
9 Ranjula Bali Swain ,2006)  Awareness regarding reservation for women
in panchayats and jobs.
 Involvement in village politics
 Decision making within the household:
family planning, Children's marriage, buying
and selling property, sending daughter's to
school,
 All decisions of the family.
10 Emil Mathew (2006)  Selecting the borrowers
 Monitoring the utilisation of loans
 Enforcing the repayment of loans
11 Klara Haugen-  Practical Gender Needs:

Kossmann,2008  Provision of food and water,
 housing,
 health care,
 access to training,
 access to employment and income earning
activities,
 Access to Credit
 Strategic Gender Needs:
 Abolition of the sexual division of labour,
 Alleviation of the burden of domestic labour
and child care
 freedom of choice over child bearing
 Alleviation of male violence and control over
women
12 Corinne H Rocca et.al,  Socio-demographics,
2009  Household and relationship characteristics,
 Economic activity and assets,
 Sources of social support
 Reasons for and responses to marital conflict.
13 Debadutta Kumar Panda,  Income and Savings,
2009  Employment,
 Migration,
 Literacy position,
 Household decision making ,
 access to credit,
184
 Participation in Panchayati Raj Institutions
14 Meenakshi Gupta and  Expansion and diversification of livelihood
Vaishali Gupta (2009) activities
 Employment opportunities,
 Income
 Asset acquisitions
 Savings
 Access to loans from various sources
 Vulnerability
 Children education
15 Luuk van Kempten,  Socio-economic Conditions,
(2009)  Control over own life,
 Gender Relations,
 Independent decision making,
 Domestic violence,
 Dowry System,
16 Fiona Leach and  Impact of Project on Economic and Social
Shashikala Sitaram (2010) status
 Impact of excluding men playing any
meaningful role
17 Sharmina Afrin, Nazrul  Independence,

Islam, Shahid Uddin  Ability to make complex decisions,
Ahmed, (2010)  Ability to seek and grasp opportunity,
 Ability to take risk and initiative.
 Innovation,
 Risk taking,
 Opportunity seeking,
18 Lakshmi R and  Socio economic profiles of SHG members,
Vadivalagan G, (2010)  Reasons for joining SHG,
 Structure, conduct and performance of
SHGs,
 Empowerment after joining SHGs
19 Umara Noreen (2010)  Household welfare
 Children Education
 Housing Conditions
 Food Security
 Household Income and Expenditure
 Household Assets
 Micro-enterprise Level
 Financial Performance
 Enterprise resource base
 Income Smoothing
 Demographic Characteristics of Clients
20 Ashok Rai and Shamika  Claim behaviour,
Ravi, (2011)  Health seeking differences,
 Information,
 Financial Literacy,
 Opportunity costs,
 Credit constraints
185
 Morbidity Differences
21 N. Thalavai Pillai, S.  Psychological factors: Improvement in
Nadarajan, (2011) courage, self-confidence, self-worthiness,
skill development, literacy level, health and
sanitation, children education, food and
nutrition, awareness about environment and
peace in family
 Economic Factors: Reduced poverty,
improvement in rural savings, Women
undertaking IGA, employment
opportunities, asset creation, increased
standard of living
 Social factors:
 Managerial ability, Role of decision making,
group management, microenterprises,
freedom to express, Independent movement,
Awareness about training, Participation in
democratic institutions, sustainability and
cohesiveness in group.
 Managerial skills:
Planning, organising, coordinating, technical
skill, marketing, entrepreneurial and
communication skill, financial management,
leadership and decision making.
22 Dr. Sangeeta Arora and  Access to credit
Ms. Meenu ( 2011)  Consumption pattern
 Awareness level
 Financial Inclusion
23 M Aruna and Rema  Economic status
Jyothirmayi (2011)  Decision Making
 Knowledge and Awareness
 Self Worthiness
24 Sanjay Kanti Das, (2011)  Social Constraints,
 Economic Constraints,
 Political Constraints,
 Psychological Constraints,
 Technological constraints and
 Overall constraints- Personal constraints,
cognitive constraints, Organisational
Constraints, Infrastructural Constraints,
Marketing constraints
25 Sarahat Salma  Labour Supply,
Chowdhury and  Non-Land Asset Accumulation,
SifatAdiya Chowdhury,  Family Planning,
(2011)  Children’s Education,
 Household Expenditure Per Annum,
 Awareness level
186
27 M Aruna and Rema  Economic status
Jyothirmayi (2011)  Decision Making
 Knowledge and Awareness
 Self Worthiness
28 Sanjay Kanti Das, (2011)  Social Constraints,
 Economic Constraints,
 Political Constraints,
 Psychological Constraints,
 Technological constraints and
 Overall constraints- Personal constraints,
cognitive constraints, Organisational
Constraints, Infrastructural Constraints,
Marketing constraints
29 Sarahat Salma  Labour Supply,
Chowdhury and  Non-Land Asset Accumulation,
SifatAdiya Chowdhury,  Family Planning,
(2011)  Children’s Education,
 Household Expenditure Per Annum,
 Awareness level
32 BL centre of  Acquisition of literacy and numerical skills;
Development Research  awareness of basic legal rights;
and Action(2007)  awareness of projects and state development
activities;
 critical political consciousness,
 electoral process,
 societal analysis and gender issues;
 enhanced social status as perceived by self
and other’s;
 freedom from exploitation-money lenders,
landlords etc.;
 active role in organization of group and other
political bodies, viz. Panchayat;
 Ensuring literacy and education of girl child;
 health consciousness;
 restructuring of women in time utilization;
 Enhanced decision making powers within the
household.
32 Kahabi Ganka Isangula,  Integrated Microfinance
(2012)  Gender Equity,
 Health and HIV/AIDS,
 Intimate partner violence,
 Consequences of women Economic
Empowerment
 Risk of family conflict.
33 R Subashini and K  Leadership,
Jeyakodi, (2012)  Decision making,
 Personality,
187
 Economic, Social, Managerial
Empowerment,
 Political and Legal.
34 Sanjay V. Yadav (2013)  Improvement on Economic status
 Income and Expenditure Pattern
35 Mushumbusi Paul Kato  Control over savings and income,
and Jan Kratzer, 2013)  Ownership,
 Decision-making,
 Self-efficacy,
 Self-esteem,
 Mobility
 Participation in
Activities outside home.
46 MYRADA 2002  Demographic Profile of SHG member
households
 Age, Marital status, Education,
 Awareness and Mobility Levels
 Lending sources
 Reasons for group formation
 Financial Position
 Family Income
 Role in financial Decision
 Confidence level
 Knowledge about Health and Hygiene
 Contribution in household income
 Ownership of house
 Ownership of land
 Bank account and financial transaction
 Role in Decisions about self
 Participation in Local Affairs and SHG
Activities
 Health facility
 Family Planning decisions
 Children education
 Professional and Technical Skills
 Perception , awareness and willingness of
spouse and family member to let her
continue as SHG member
37 Wolfgang Hannover -  Socio Economic background
NABARD Study Report  Age, literacy, occupation, economic activity,
(2005) criteria for becoming SHG member,
frequency of SHG meeting, Level of
attendance in meetings, opinion on the utility
of SHG.
 Access to financial services and related
performance
 Sources of funds
 Average loans
 Savings
 Use of loans
 Sources of loan
188
 Loan interest and period
 Asset Base and Employment Generation
 Average Value of Asset
 Asset holding pattern
 Employment and Employment activity
 Income levels , Consumption and Poverty
Alleviation
 Sources of Income
 Incremental Income
 Changes in Consumption pattern
 Consumption Expenditure
 Consumption Expenditure by items
 Empowerment of Women
 Self Confidence
 Level of Communication
 Decision making in household
 Communication with officials
 Protest against social evils
 Domestic Violence
 Responses for the following domestic
violence: Verbal Abuse, Beating/ physical
violence, Negligence, Psychological and
emotional abuse
 Access to various facilities and services:
medical facilities, Sanitation facilities within
house/village, water supply within
house/village, schooling for children, market
facility, transport facility
 Composite index of standard of living
189

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Annexure 1: Questionnaire - Impact of Microfinance on Women Empowerment:

Evidence from Gujarat

A) MEMBERSHIP DETAILS: SHG/ JLG

1.1 Location of SHG/ JLG Village:

1.2 Area 1.2.1) Urban 1.2.2) Rural

1.3 SHG/ JLG Name

1.4 Member’s Name

1.5 Establishment year of

1.11.5 Source to get loan from other

B) DEMOGRAPHIC DETAILS OF THE MEMBER AND THE HOUSEHOLD:

2.4) Marital 2.4.1) Single 2.4.2) 2.4.3) 2.4.4) Widow

3.1 Type of family 3.1.1) Nuclear 3.1.2) Joint

3.2) No of Family Members: 3.2.1) No of Earners:

3.3) Do you have Children? 3.3.1) Yes 3.3.2) No 3.3.3) No of Children:

3.4.1) 1 3.4.2) 2 3.4.3) 3 3.4.4) More than 3 (Specify)

3.5.1) 0 3.5.2) 1- 2500 3.5.3) 2501-5000

3.5.4) 5001 – 7500 3.5.5) 7501 – 10000 3.5.5) >10000

3.6.1) Illiterate 3.6.2) Illiterate 3.6.3) Primary 3.6.4) Secondary

3.8) Reasons for Dropout:

4.1 Self (Member) 4.1.1 No employment 4.1.2 Farmer 4.1.3 Farm

4.1.6 Self Employed 4.1.7 others (specify)

4.2 Spouse 4.2.1 No employment 4.2.2 Farmer 4.2.3 Farm

4.2.4 Industrial Labour 4.2.5 Salaried Employee

4.2.6 Self Employed 4.2.7 others (specify)

4.3 Other Family Member(s)

4.3.4. Industrial labour 4.3.5. Salaried Employee

4.4 No of Employment Days:

Living Conditions of the SHG member and the household:

5.2. Ownership Status of House: 5.2.1. Owned 5.2.2. Rented 5.2.3.

5.3. Which Cooking Fuel do you Use: ______________

5.4. Access to facilities/ Amenities:

C. Economic Empowerment Variables:

6.2 Amount of loan received ____________________________________________________

6.4 For what purpose have you received loan? _____________________________________

6.5 For what purpose have you utilised loan? _______________________________________

6.9 Sources of loan from other sources:

6.9.4. Other banks 6.9.5. Revolving Fund 6.9.6. Govt. Schemes

6.9.7. Others (Specify)

7.1 Major Sources of Household Income:

7.1.4. Employment 7.1.5. Business 7.1.6. Pension

7.1.7. Rent 7.1.8. Others Specify___________________________________

7.2 Average Monthly Income: Rs.__________________

Household (Including Self)

7.2.4.31000-40000 7.2.5. 41000-50000 7.2.6. >50,000

Self: 7.3.1. ≤10,000 7.3.2. 11000-20000 7.3.3.21000-30000

7.3.4.31000-40000 7.3.5. 41000-50000 7.3.6. >50,000

8.2 Where do you save your money?

8.3 Ownership of the bank account:

8.4 Who operates the bank account?

8.5 Saving Pattern

8.6 Monthly Savings of the household: Rs.________________________

8.7.4. 5001-10000 8.7.4. > 10000

8.8 Which of the following instruments do you use?

CONSUMPTION EXPENDITURE PATTERN

9.1 How much do you spend on the following items?(Monthly)

Items Amount (Rs.) Self Contribution

9.1.4 Health Care

9.1.5 Festival/ Recreation

9.1.6 Cable/ Newspaper/Mobil

9.1.9 Other Loan Instalments

9.1.10 Other Expenses

Ownership of Household Assets: