INTRODUCTION:

Rural innovation project is a study carried out by the students in rural area about the

people knowledge towards new technology and the government schemes. The objective of

the project is to know about whether the people are aware of the new technology and the

government scheme that government provided towards the development of rural area.

Through this project we can come to a conclusion whether the people are aware of the

central government schemes, new technology updates in banking field, how they are facing

the new technology updates and how they are overcoming those updates. The survey also

helps to find out how the people in rural area social secured in financial requirements like

insurance scheme that are provided mainly life insurance, accidental insurance etc. This also

include the people are aware of the rural development schemes that are provided by central

government like praadhan mantra kaushal vikas yojana,prime minister arogyayo janaetc.upto

which level they are updated, if not where they are lacking in terms of communication. This

survey also concludes in the field of labor welfare and social security measures specifically

educational welfare. It also provides the data of online purchase behavior of the rural people,

how adequate they are purchasing in online mode, whether they are satisfied in the online

mode of purchases.

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OBJECTIVES OF THE PROJECT:

 The objective of the rural innovation project to go out the standard method of

learning and to have a social interaction with people and learn from them

 This project is to ensure whether the people are educated about the new technology

update and to find out how far they are in update

 It helps to find out how far the government schemes are communicated between

the people and educate them about those scheme

 Providing them about the awareness about the banking system

 It is also providing personal development of the students and gain

knowledge other than education.

 It also increases the confidence of the student.

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GEOGRAPHICAL AREA OF THE PROJECT UNDERTAKEN:

The rural innovation project I have undertaken in a village of uppur it is situated in the
Ramanathapuram district, in Tamil nadu ,India

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GENERAL DEMOGRAPHIC STATUS OF THE POPULATION WEHRE THE
PROJECT WAS UNDERTAKEN:

District Ramanathapuram

Block panchayat Kadalur

Area 1658.71 hectares

Block / Taluka : Tiruvadanai

Population 4,043

Male 1,908

Female 2,135

Pincode 623525

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 DATA ANALYSIS:

RELAIBILITY:

Case Processing Summary

N %
Cases Valid 40 70.2
a
Excluded 17 29.8

Total 57 100.0
a. Listwise deletion based on all variables in the procedure.

Reliability Statistics

Cronbach's
Alpha N of Items

.708 81

INTREPRETATION:
The value of Cronbach’s alpha coefficient is between the number indicating better reliability. Crobanch’s
alpha coefficient is higher than 0.70 which is 0.708.So that scale has good internal and reliability.

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DATA COLLECTION:

Table:5.1Age of the Respondent

Frequency Percent

Valid 18-25 6 12.0

26-34 21 42.0

35-44 17 34.0

45-54 5 10.0

55&above 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 42% of the respondent are in the age group of 26- 34 years, 34%
of the respondent are in the age group of 35-44 years, 12% of the respondent are in the age group of 18-25 years of
age and 10% of the respondent are in the age group of 45- 54 years of age,2% of the respondent are in the age group
of 55&above.

Table 5.2 Total family members

Frequency Percent

Valid 2 2 4.0

3 34 68.0

4 12 24.0

5 2 4.0

Specify 0 0

Total 50 100.0

INTERPRETATION: The above tables show that in the village 68% are family of 3 members, 24% are family of 4
members, 4% are family of 2 members and 2% are family of 5 members and there is no value for specify family
members.

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 Table:5.3 Gender

Frequency Percent

Valid male 16 32.0

female 34 68.0

Transgender 0 0

Total 50 100.0

INTERPRETATION: the table shows the 68% % are male and 68% are female and there is no transgender.

Table 5.4Distributions of the heads of households by literacy level

Frequency Percent

Valid illiterate 5 10.0

primary 17 34.0

secondary 15 30.0

degree 13 26.0

Post graduate 0 0

Total 50 100.0

Interpretation: The above table shows that 34% of respondents had primary education, 30% of respondents are
Secondary education, 26% completed degree holder, 10% of respondents had illiterate and there is no value for post
graduate.

Table 5.5 Distributions of households by monthly income

Frequency Percent

Valid
Less than 10000 0 0
10001 to 20000 27 54.0

20001 to 30000 23 46.0

30001 to 40000 0 0

40001 & above 0 0

Total 50 100.0

INTERPRETATION: The above table shows that 54% of respondents are earning 10,001-20000, 46% are earning
20,001-30,000 and there is no value for less than 10000, there is no value for less than 30001 & 40000, there is no
value for less than 40001 & above.
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.

Table 5.6 Distributions of households by occupation

Frequency Percent

Valid Farmer 30 60.0

Agriculture labour 5 10.0

Labour 1 2.0

Salaried people 10 20.0

Self employee 4 8.0

Total 50 100.0

Interpretation: The above table shows that 60% of the respondents are farmer, 20% of the respondents are Salaried
people,10 % of the respondent are Agriculture laboure, 8% of the respondent are Self employee and 2% of the
respondent are labour.

Table 5.7 Distributions of households by land hold pattern

Frequency Percent

Valid
No land 0 0
Less than one acre 2 4.0

1 to 2 acre 40 80.0

2 to 3 8 16.0

Above 3 acres 0 0

Total 50 100.0

Interpretation :The above table show that 80% of the respondent holds 1 to 2 acre land, 16% of the respondent holds
2 to3 acres of land, 4% of the respondent holds less than 1 acre, there is no value for no land, there is no value for
above 3 acres land.

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 Table 5.8 Distributions of households by type of house

Frequency Percent

Valid
Thatched house 0 0
Govt scheme house 9 18.0

Own title house 36 72.0

Own small Building 5 10.0

Others 0 0

Total 50 100.0

INTERPRETATION: The table show that 72% of the respondent have Own title house, 18% of the respondent have
Govt scheme house, 10% of the respondent have own small building, there is value for Thatched house and others.

Table 5.9 Distributions of households by Asset value

Frequency Percent

Valid
Less than 100000 0 0
100000 to 200000 26 52.0

200000 to 300000 23 46.0

300000 to 400000 1 2.0

Above 400000 0 0

Total 50 100.0

INTERPRETATION: The table show 52% of the respondent have an asset worth 1,00,000-2,00,000 lakhs, 46% of
the respondent have an asset worth 200000-300000 lakhs, 2% of the respondent have an asset worth 3,00,000-
4,00,000 lakhs there is no value for less than 100000 and above 400000.

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 Table 5.10 Do you have a bank account

Frequency Percent

Valid yes 42 84.0

no 8 16.0

Total 50 100.0

INTERPRETATION: The above table shows that 84% of the respondents yes holds bank account and 16% of the
No holds bank account .

Table 5.11 which bank

Frequency Percent

Valid

Savings a/c
42
savings a/c
0 84.0
Joint
SHG group
Others specify
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The above table interpret that 84% of the respondent have savings account

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 Table 5.12 If you have, what type of account

Frequency Percent

Valid 8 16.0

ICIC 14 28.0

Indian 6 12.0

IOB 2 4.0

SBI 19 38.0

UBI 1 2.0

Total 50 100.0

INTERPRETATION: The above table show that 38% of the people have account on SBI,28 % have their bank
account on ICIC bank , 12% of the people have account Indian,4% have their bank account on IOB,2% have their
bank on UBI.

Table 5.13 What type of ID proofs your submitting to open the account

Frequency Percent

Valid Voter ID 3 6.0

Aadhar card 39 78.0

Ration card 0 0
Any govt offical letter 0 0

Others 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table show that 78% respondents are submitted Aadhar card to open A/C,6% respondents
are voter id to open A/C, there is no value for ration card, any govt official and for others.

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 Table 5.14 Do you have ATM Card

Frequency Percent

Valid yes 42 84.0

Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table show that 84% of the respondents hold ATM card.

Table 5.15 Utilization of ATM Services

Frequency Percent

Valid yes 42 84.0

Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table show that 84% have utilize the atm.

Table 5.16 Do you know how to with draw money from bank or ATM

Frequency Percent

Valid yes 42 84.0

Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table show that 84% know to withdraw money from atm.

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 Table 5.17 Who will help to use Banking services or ATM Sevices

Frequency Percent

Valid family members 9 18.0

friends 10 20.0

Existing staff in the bank 21 42.0

BC staff 2 4.0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table shows that 42% of the respondents are getting help by existing staff in the bank,
20% of the respondents are getting help by friends ,18% of the respondent are getting by family members,4% of the
respondent are getting help by BC staff to use banking service.

Table 5.18 Frequency of bank visiting

Frequency Percent

Valid weekly 5 10.0

monthly 28 56.0

Every two month 9 18.0

Every three month 0 0

Every four & above 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table show that 56% of the respondents visit bank on every month,18% of the
respondents visit bank on every two months,10% of the respondents visit the bank on weekly basis, there is value for
every three month and every four & above.

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 Table 5.19 Frequency of deposits and withdrawals

Frequency Percent

Valid within week 2 4.0

within two week 23 46.0

within three week 12 24.0

more than a month 5 10.0

Others 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table shows that 46% of respondents withdraw and deposit within two weeks,24% of
respondents withdraw and deposit within three-week,10% of respondents withdraw and deposit in a more than a
month and 4% of the respondents within week, there is value for others.

Table 5.20 Level of awareness on internet banking

Frequency Percent

Valid Highly Aware 4 8.0

Somewhat Aware 26 52.0

Aware 12 24.0

Unaware 0 0

Highly unaware 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table shows that 52% of respondent are Somewhat aware about internet banking, 24% of
respondent are Aware about internet banking, 8% of respondent are highly aware about internet banking about internet
banking, there is no value for unaware and highly unaware.

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 Table 5.21 Level of awareness on Mobile banking

Frequency Percent

Valid Highly Aware 8 16.0

Somewhat Aware 19 38.0

Aware 15 30.0

Unaware 0 0

Highly unaware 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table shows that 38% of respondents are somewhat aware about mobile banking, 30% of
respondents are Aware about mobile banking, 16% of respondents are highly aware about mobile banking, there is no
value for unaware and highly unaware.

Table 5.22 Level of awareness on Bank loan

Frequency Percent

Valid Highly Aware 6 12.0

Somewhat Aware 22 44.0

Aware 13 26.0

Unaware 1 2.0

Highly unaware 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The table shows that 44% of respondents are somewhat aware about bank loan, 26% of
respondents are aware about bank loan, 12% of respondents are highly aware about bank loan , 2% of respondent are
Unaware about bank loan, there is no value for highly unaware.

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 Table 5.23 Access to Insurance of Rural Households

Frequency Percent

Valid Life insurance 17 34.0

Health insurance 25 50.0

Livestock insurance 0 0

Accidental insurance 0 0

Don’t have insurance 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The above table shows that 50% of respondent have access to Health insurance, 34% of
respondent life insurance, there is no value for Livestock insurance, Accidental insurance, don’t have insurance.

Table 5.24 Overall perception of banking quality services for rural

households

Frequency Percent

Valid Highly Satisfied 0 0

Satisfied 35 70.0

Neutral 7 14.0

Dissatisfied 0 0

Highly Dissatisfied 0 0

Total 42 84.0
Missing System 8 16.0
Total 50 100.0

INTERPRETATION: The above table show that 70% of respondent is satisfied with banking service, 14% of
respondent is neutral with banking service, there is no value for highly satisfied, dissatisfied and highly dissatisfied.

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 Table 5.25 a)Are you aware about micro finance

Frequency Percent

Valid yes 48 96.0

no 2 4.0

Total 50 100.0

INTERPRETATION: The above table shows that 96% of respondents are aware about micro finance, 4% of
respondents are unaware about micro finance.

Table 5.25 b)Micro finance directly helps the beneficiary for their economic activity

Frequency Percent

0Valid Strongly agree 47 94.0

Agree 1 2.0

Neutral 0 0

disagree 0 0
Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 94% of the respondent are strongly agree, 2% of the respondents
are Agree, 2% with the statement, there is no value for neutral, disagree, strongly disagree “micro finance directly
helps the beneficiary for their economic activity”.

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Table 5.25 c)Costs or getting micro finance is very less when we compared with public
sector banks ordinary loan

Frequency Percent

Valid Strongly agree 1 2.0

Agree 44 88.0

Neutral 2 4.0

Disagree 1 2.0

Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 88% of the respondents are agree, 4% of the respondents are
neutral,2% of the respondents are dissagree, 2% of the respondents are strongly agree with the statement, there is no
value for strongly disagree “cost of getting micro finance is very less when we compared with public sector banks
ordinary loans”.

Table 5.25 d)For avalling the mirco finance loan, one required personal asset to get it

Frequency Percent

Valid Strongly agree 15 30.0

Agree 22 44.0

Neutral 10 20.0

Disagree 1 2.0

Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 44% of the respondents are agree, 30% of the respondents are
strongly agree, 20% of the respondents are neutral,2% of the respondent are disagree, There is no value for strongly
disagree with the statement “for availing the micro finance loan one requires personal asset to get it”.

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 Table 5.25 e)Micro finance loan can be obtained within short duration

Frequency Percent

Valid Strongly agree 22 44.0

Agree 10 20.0

Neutral 14 28.0

Disagree 2 4.0

Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 44% of the respondents are strongly agree, 28% of the
respondents are neutral,20% of the respondents are agree, 4% of the respondents are disagree, there is no value for
strongly disagree with the statement micro finance loan can be obtained within short duration.

Table 5.25 f)Interest rate in micro finance is very less when we compare with other
bank loans

Frequency Percent

Valid Strongly agree 10 20.0

Agree 15 30.0

Neutral 16 32.0

Disagree 7 14.0

Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 32% of the respondents are neutral, 30% of the respondents are
agree, 20% of the respondents are strongly agree, 14 % disagree of the respondents are disagree, there is no value for
strongly disagree with the statement interest rate in micro finance is very less when we compared with other bank
loans.

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 Table 5.25 g)Repayment pattern are well within the capacity of borrower

Frequency Percent

Valid Strongly agree 38 76.0

Agree 8 16.0

Neutral 2 4.0

Disagree 0 0

Strongly disagree 0 0

Total 48 96.0
Missing System 2 4.0
Total 50 100.0

INTERPRETATION: The above table shows that 76% of the respondents are strongly agree, 16% of the
respondents are agree, 4% of the respondents are neutral, there is no value for disagree and strongly disagree with the
statement repayment pattern are well within the capacity of borrower.

Table5.26 a)zero balance

Frequency Percent

Valid Highly Aware 20 40.0

Somewhat Aware 26 52.0

Aware 4 8.0

Unaware 0 0

Highly unaware 0 0

Total 50 100.0

INTERPRETATION: The above table shows that, 52% of the respondents are somewhat aware about zero balance
account, 40% of the respondents are highly aware about zero balance account, 8% of the respondents are aware, there
is no value for unaware and highly unaware about zero balance account.

Table 5.26 b)Access to pension, insurance product

Frequency Percent

Valid Highly Aware 19 38.0

Somewhat Aware 25 50.0

Aware 4 8.0

Unaware 2 4.0

Highly Unaware 0 0

Total 50 100.0

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INTERPRETATION: The above table show that 50% of the respondents are somewhat aware, 38% of the
respondents are highly aware, 8% of the respondents are aware, there is no value for highly unaware about pension
insurance product.

Table 5.26 c)Easy transfer of money across india

Frequency Percent

Valid Highly Aware 23 46.0

Somewhat Aware 23 46.0

Aware 3 6.0

Unaware 0 0

Highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 46% of the respondents are somewhat aware about easy transfer of
money across India, 46% of the respondents are highly aware about easy transfer of money across India, 3% of the
respondents are aware about easy transfer of money across India, 2% of the respondent are highly aware, there is no
value for unaware about east transfer of money across India.

Table 5.26 d)Rupay debit card,UPI

Frequency Percent

Valid Highly Aware 22 44.0

Somewhat Aware 18 36.0

Aware 9 18.0

Unaware 1 2.0

Highly unaware 0 0

Total 50 100.0

INTERPRETATION: The above table shows that 44% of the respondents are highly aware about debit card UPI,
36% of the respondents are somewhat aware about debit card UPI, 18% of the respondents are aware about debit card
UPI, 2% of the respondents are unaware, there is no value for highly unaware.

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 Table 5.26 e)Accidental insurance cover of Rs 1 lakh

Frequency Percent

Valid Highly Aware 13 26.0

Somewhat Aware 17 34.0

Aware 12 24.0

Unaware 8 16.0

Highly unaware 0 0

Total 50 100.0

INTERPRETATION: The above table shows that 34% of the respondents are somewhat aware about accidental
insurance, 26% of the respondents are highly aware about accidental insurance, 24% of the respondents are aware
about accidental insurance, 16% of the respondents are unaware, and there is no value for highly unaware about
accidental insurance.

Table 5.27 a)National rural liveihiood mission

Frequency Percent

Valid Highly Aware 36 72.0

Somewhat Aware 11 22.0

Aware 1 2.0

Unaware 2 4.0
Highly unaware 0 0

Total 50 100.0

INTERPRETATION: The above table shows that 72% of the respondents are highly aware about national rural live
hood mission, 22% of the respondents are somewhat aware about national rural live hood mission, 2% of the
respondents are aware about national rural live hood mission, 4% of the respondent are unaware, there is no value for
highly unaware about national live hood mission.

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 Table 5.27b)Mahatma gandhi national rural employment gurarantee act

Frequency Percent

Valid Highly Aware 7 14.0

Somewhat Aware 35 70.0

Aware 7 14.0

Unaware 1 2.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 70% of the respondents are somewhat aware mahatma Gandhi
national rural employment guarantee scheme, 14% of the respondents are highly aware mahatma Gandhi national rural
employment guarantee scheme, 14% of the respondents are aware mahatma Gandhi national rural employment
guarantee scheme,2% of the respondent are unaware mahatma Ganthi national rural employement gurantee scheme,
there is no value for highly unaware mahatma Ganthi national rural employement gurantee scheme.

Table 5.27c)Pradhana mantri kasusal vikas yogana

Frequency Percent

Valid Highly Aware 10 20.0

Somewhat Aware 28 56.0

Aware 8 16.0

Unaware 3 6.0

Highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 56% of respondents are somewhat aware about pradhan mantri
kausha vikas yojana, 20% of respondents are highly aware about pradhan mantri kausha vikas yojana, 16% of
respondents are aware about pradhan mantri kausha vikas yojana , 6% of respondent are unaware about pradhan
mantra kausha vikas yojana, 2% of respondent are highly unaware about pradhan mantra kausha vikas yojana..

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 Table 5.27d)Pradhana mantri awas yojana

Frequency Percent

Valid Highly Aware 13 26.0

Somewhat Aware 18 36.0

Aware 15 30.0

Unaware 3 6.0

Highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table show that 36% of respondent are somewhat aware about pradhan mantri
kausha vikas yojana, 30% of respondent are aware and 26% are highly aware about pradhan mantri kausha vikas
yojana , 6% of respondent are unaware ,2% of respondent are highly unaware.

Table 5.27e)Prime minister arogya yojana

Frequency Percent

Valid Highly Aware 8 16.0

Somewhat Aware 15 30.0

Aware 20 40.0

Unaware 6 12.0

Highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 30% of respondent are somewhat aware about prime minister
arogya yojana, 40% of respondent are aware and 16% of the respondents are highly aware about prime minister
arogya yojana, 12% of the respondents are unaware about prime minister arogya yojana, 2% of respondent are highly
unaware about prime minister arogya yojana.

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 Table 5.27f)National Rural livehood mission

Frequency Percent

Valid highly aware 6 12.0

somewhat aware 20 40.0

aware 12 24.0

unaware 10 20.0

highly aware 2 4.0

Total 50 100.0

INTERPRETATION: The above table show that 40% of respondent are somewhat aware about national rural
livelihood mission, 24% of respondent are aware about national rural livelihood mission and 20% of respondent are
unaware about national rural livelihood mission, 12% of respondent are highly aware about national rural livelihood
mission , 4% respondent are highly unaware about national rural livehood mission.

Table 5.27 g)National old age pension scheme

Frequency Percent

Valid Highly Aware 3 6.0

Somewhat Aware 22 44.0

Aware 17 34.0

Unaware 5 10.0

Highly unaware 3 6.0

Total 50 100.0

INTERPRETATION: The above table show that 44% of the respondents are somewhat aware about national old age
pension scheme, 34% of the respondents are aware about national old age pension scheme, 10% of the respondents are
unaware and 6% are both highly aware about and highly unaware national old age pension scheme.

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 Table 5.27h)National widow pension scheme

Frequency Percent

Valid Highly Aware 6 12.0

Somewhat Aware 13 26.0

Aware 19 38.0

Unaware 9 18.0

Highly unaware 3 6.0

Total 50 100.0

INTERPRETATION: The above table show that 38% of the respondents are aware national widow pension scheme,
26% of the respondents are somewhat aware national widow pension scheme, 18% of the respondent are unaware and
12% are highly aware national widow pension scheme , 6% of the respondent are highly unaware national pension
scheme.

Table 5.27 i)National famliy benefit scheme

Frequency Percent

Valid Highly Aware 4 8.0

Somewhat Aware 19 38.0

Aware 17 34.0

Unaware 8 16.0

Highly unaware 2 4.0

Total 50 100.0

INTERPRETATION: The above table show that 38% of the respondent are somewhat aware about the national
family benefit scheme, 34% of the respondent are aware and 16% are unaware about national family benefit scheme,
8% of the respondent are highly aware, 4% of the respondent are highly unaware about national family benefit
scheme.

26
 Table Prandhan Mantri bharathiya janaushadhi pariyojana

Frequency Percent

Valid highly aware 5 10.0

some what aware 17 34.0

aware 16 32.0

unaware 7 14.0

highly unaware 5 10.0

Total 50 100.0

INTERPRETATION: The above table shows that 34% of the respondent are somewhat aware, 32% of the
respondent are aware, 14% of the respondent are unaware, 10% of the both respondent highly aware and
highlyunaware about the pradhan mantri bhartiya janaushadhi pariyojana scheme..

Table 5.28 Are you a beneficiary of the rural development scheme

Frequency Percent

Valid yes 50 100.0

INTERPRETATION: The above table shows that 100% of the respondents are beneficiary of rural development
scheme .

Table 5.29If you are not a beneficiary,what is the reason for it

Frequency Percent

Missing System 50 100.0

Interpretation: The above table show that 10% of the respondent have lack of opportunity, 10% had improper
communication, 6% of the respondent are because lack of awareness, 4% of the respondent are disinterested.

27
 Table 5.30 Do you think that people are benefited by these rural development schemes in
your area

Frequency Percent

Valid Always benefitted 13 26.0

sometimes benefitted 37 74.0

Rarely benefitted 0 0.0

No benefit 0 0.0

Others 0 0.0

Total 50 100.0

INTERPRETATION: The above table show that 74% of the respondent are sometimes benefitted in schemes, 26%
of the respondent are always benefitted in schemes of the rural schemes, there is no value for Rarely benefited, no
benefits and others in rural schemes.

Table 5.31 What are the ways through which people's participation can be enhanced

Frequency Percent

Valid Initivatives to be taken by

4 8.0
offical's

Creating awareness among

19 38.0
people

proper communication 27 54.0

Through publicity 0 0.0

Others 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 38% of respondent suggest creating awareness, 54% of respondent
proper communication, 8% of the respondent initiatives, there is no value for Through publicity and others.

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 Table 5.32 How informed are you about the various rural deveolpment programmes
existing in your area

Frequency Percent

Valid Highly informed 7 14.0

Sometimes informed 42 84.0

Rarely informed 1 2.0

Not informed 0 0.0

Others 0 0.0

Total 50 100.0

INTERPRETATION: The above table show that 84% of the respondent sometimes informed, 14% of the respondent
highly informed, 2% of the respondent rarely informed, there is no value for not informed and others.

Table 5.33 Are the new development schemes properly communicated in time to the local
people for their maximum participation in rural development

Frequency Percent

Valid Always communicate 9 18.0

somtimes communicate 25 50.0

rarely communicate 2 4.0

no communication 13 26.0

others 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 50% of the respondents are sometimes communicated, 26% of the
respondent are no communicated ,18% of the respondent are always communicated,4% of the respondent are rarely
communicate , 2% of the respondent are others about the new development schemes.

29
 Table 5.34 which new areas of rural development schemes should be introduced
for rural development

Frequency Percent

Valid Education 3 6.0

Agriculture 11 22.0

Irrigation 8 16.0

Infrastructure 14 28.0

social welfare 12 24.0

Health 2 4.0

Total 50 100.0

INTERPRETATION: The above table shows that 28% of the respondents suggest infrastructure, 22% of the
respondents suggest Agriculture, 24% of the respondents suggest social welfare, 16% of the respondents suggest
irrigation, 6% of the respondents suggest education and 4% of the respondents suggest health for new area of rural
development schemes to be introduced.

Table 5.35 What in your view is the extent of convenience of the schemes of
the rural development to people

Frequency Percent

Valid Very high 2 4.0

High 23 46.0
Moderate 24 48.0

Low 1 2.0

Very low 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 48% of the respondents had moderate convenience in rural
development schemes, 46% of the respondents had high convenience in rural development schemes, 4% of the
respondents had very high convenience in rural development schemes , 2% of the respondent had low in rural
development scheme, there is no value for very low in rural development scheme.

30
 Table 5.36 a)Accidental death

Frequency Percent

Valid HS 44 88.0

S 4 8.0

N 1 2.0

DS 1 2.0

HDS 0 0

Total 50 100.0

INTERPRETATION: The above table shows that 88% of the respondents are highly satisfied with accidental death
scheme, 8% of the respondents are satisfied with accidental death scheme, 2% of the respondents are neutral with
accidental death scheme, 2% of the respondents are dissatisfied with accidental death scheme, there is no value for
highly satisfied with accidental death scheme.

Table 5.36 b)Accidental disability

Frequency Percent

Valid HS 4 8.0

S 39 78.0

N 5 10.0

DS 2 4.0

HDS 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 78% of the respondent are satisfied, 10% of respondents are
neutral, 8% of the respondent are highly satisfied, 4% of the respondent are dissatisfied, with accidental death scheme,
there is no value for highly satisfied.

31
 Table 5.36 c)Natural death assistance

Frequency Percent

Valid HS 9 18.0

S 31 62.0

N 8 16.0

DS 2 4.0

HDS 0 0.0

Total 50 100.0

INTERPRETATION: the table show that 54.4% are satisfied ,15.8% are highly satisfied,14% are Neutral,3.5%
dissatisfied, There is no value for highly dissatisfied.

Table 5.36 d)Funeral expenses assitance

Frequency Percent

Valid HS 12 24.0

S 8 16.0

N 29 58.0

DS 1 2.0

HDS 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 58% of the respondents are neutral, 24% of the respondent are
highly satisfied, 16 % of the respondent are satisfied and 2% are dissatisfied with natural death assistance, there is
value for highly dissatisfied.

Table 5.36 e)Girl children studying 10th

Frequency Percent

Valid HS 16 32.0

S 13 26.0

N 15 30.0

DS 4 8.0

HDS 2 4.0

32
 Total 50 100.0

INTERPRETATION: The above table show that 30% of the respondent are neutral with scheme, 32% are highly
satisfied, 26% are satisfied, 8% are dissatisfied and remaining 4% are highly dissatisfied about the above scheme.

Table 5.36 f)If the son or daughter passed 10th

Frequency Percent

Valid tick 1 2.0

HS 14 28.0

S 15 30.0

N 10 20.0

DS 10 20.0

HDS 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 30% of the respondent are satisfied with scheme, 28% of the
respondent are highly satisfied about this scheme, 20% of the respondent are neutral with scheme, 20% of the
respondent are dissatisfied with scheme.

Table 5.36 g)Girl children studying 11th

Frequency Percent

Valid HS 15 30.0

S 6 12.0

N 18 36.0

DS 7 14.0

HDS 4 8.0

Total 50 100.0

INTERPRETATION: The above table shows that 36% of the respondent are neutral with scheme, 30% of the
respondent are highly satisfied about this scheme, 14% of the respondent are dissatisfied with scheme, 12% of the
respondent are satisfied with scheme, 8% of the respondent are highly dissatisfied with scheme.

33
 Table 5.36 h)Girl children studying 12th

Frequency Percent

Valid HS 13 26.0

S 16 32.0

N 13 26.0

DS 7 14.0

HDS 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 32% of the respondent are satisfied with scheme, 26% of the
respondent are neutral about this scheme, 26% of the respondent are highly satisfied with scheme, 14% of the
respondent are dissatisfied with scheme, 2% of the respondent are highly dissatisfied with scheme

Table 5.36 i)If the son or daughter passed 12th

Frequency Percent

Valid HS 10 20.0

S 13 26.0

N 13 26.0

DS 12 24.0

HDS 2 4.0

Total 50 100.0

INTERPRETATION: The above table shows that 26% of the respondent are satisfied with scheme, 26% of the
respondent are neutral about this scheme, 24% of the respondent are dissatisfied with scheme, 20% of the respondent
are highly satisfied with scheme, 4% of the respondent are highly dissatisfied with scheme.

34
 Table 5.36 j)Regular degree course with hostel facility

Frequency Percent

Valid HS 5 10.0

S 8 16.0

N 24 48.0

DS 12 24.0

HDS 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 48% of the respondent are neutral with scheme, 24% of the
respondent are dissatisfied about this scheme, 16% of the respondent are satisfied with scheme, 10% of the respondent
are highly satisfied with scheme, 2% of the respondent are highly dissatisfied with scheme

Table 5.36 k)Marriage assistance

Frequency Percent

Valid HS 4 8.0

S 15 30.0

N 16 32.0

DS 12 24.0

HDS 3 6.0

Total 50 100.0

INTERPRETATION: The above table shows that 32% of the respondent are neutral with scheme, 30% of the
respondent are satisfied about this scheme, 24% of the respondent are dissatisfied with scheme, 8% of the respondent
are highly satisfied with scheme, 6% of the respondent are highly dissatisfied with scheme.

35
 Table 5.36 l)Materntity assistance miscarriage

Frequency Percent

Valid HS 5 10.0

S 10 20.0

N 17 34.0

DS 17 34.0

HDS 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 34% of the respondents are neutral with scheme, 34% of the
respondent are dissatisfied about this scheme, 20% of the respondent are satisfied with scheme, 10% of the respondent
are highly satisfied with scheme, 2% of the respondent are highly dissatisfied with scheme.

Table 5.36 m)pension

Frequency Percent

Valid HS 9 18.0

S 12 24.0

N 12 24.0

DS 7 14.0

HDS 10 20.0

Total 50 100.0

INTERPRETATION: The above table shows that 24% of the respondent are neutral with scheme, 24% of the
respondent are satisfied about this scheme, 18% of the respondent are highly satisfied with scheme, 20% of the
respondent are highly dissatisfied with scheme, 14% of the respondent are highly dissatisfied with scheme.

Table 5.37 Rural people perception towards online purchase

Frequency Percent

Valid yes 43 86.0

no 7 14.0
36
 Total 50 100.0

INTERPRETATION: The above table show that 86% of the respondents are buy products online and 14% of the
respondents does not buy products through online.

Table 5.37 a)Are you satisified with online shopping experience

Frequency Percent

Valid Strongly agree 43 86.0

Agree 1 2.0

Neutral 0 0.0

Disagree 0 0.0

Highly disagree 0 0.0

Total 44 88.0
Missing System 6 12.0
Total 50 100.0

INTERPRETATION: The above table shows that 86% of the respondents strongly agree, 2% of the respondents
agree satisfied with online shopping experience, there is no value for neutral, disagree, highly disagree with online
shopping experience.

Table 5.37 b)online shopping is hassle free as compare to traditional shopping

Frequency Percent

Valid Strongly agree 5 10.0

Agree 34 68.0

Neutral 3 6.0

Disagree 1 2.0

Strongly disagree 1 2.0

Total 44 88.0
Missing System 6 12.0
Total 50 100.0

INTERPRETATION: The above table shows that 68% of the respondents are agree,10% of the respondents are
strongly agree,6% of the respondents are neutral,2% both are disagree and strongly disagree with the statement
“online shopping is hassle free as compared to traditional shopping”.

37
 Table 5.37 c)Do you feel online shoppimg is comfortable than traditional shopping

Frequency Percent

Valid Strongly agree 9 18.0

Agree 19 38.0

Neutral 14 28.0

Disagree 2 4.0

Highly disagree 0 0.0

Total 44 88.0
Missing System 6 12.0
Total 50 100.0

INTERPRETATION: The above table shows that 38% of the respondents are agree,28% of the respondents are
neutral,18% of that respondents are strongly agree and 4% of the respondents are disagree, there is no value for highly
disagree with the statement “online shopping is comfortable than traditional shopping”.

Table 5.37 d)online shopping saves time and money as compare to traditional shopping

Frequency Percent

Valid Strongly agree 20 40.0

Agree 13 26.0

Neutral 9 18.0

Disagree 2 4.0

Strongly disagree 0 0.0

Total 44 88.0
Missing System 6 12.0
Total 50 100.0

INTERPRETATION: The above table shows that 40% of the respondents are strongly agree,26% of the respondents
are agree,18% of the respondents are neutral and 4% of the respondents are disagree with the statement “online
shopping saves time and money as compared to traditional shopping”.

38
 Table 5.37 e)online shopping is preferred because of 24*7 shopping facility

Frequency Percent

Valid Strongly agree 27 54.0

Agree 5 10.0

Neutral 2 4.0

Disagree 10 20.0

Strongly disagree 0 0.0

Total 44 88.0
Missing System 6 12.0
Total 50 100.0

INTERPRETATION: The above table shows that 54% of the respondents are strongly disagree, 20% of the
respondents are disagree, 10% of the respondents are agree,4% of the respondent are neutral, there is no value for
highly disagree with the statement “online shopping is preferred because of 24*7 shopping facility”

Table 5.38 a)Are you aware about the latest technology of water irrigation

Frequency Percent
Valid Drip irrigation 1 2.0

Sprinklers irrigation 26 52.0

Hydroponics 22 44.0

Drone 1 2.0

Any other specify 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 52% of the respondents use sprinklers irrigation for land. 2% of
the respondents use drip irrigation for land , 44% of the respondent use hydroponics, there is no value for any other
specify use of technology.

39
 Table 5.38 b)Are you aware about benefits of KISAN scheme for farmer

Frequency Percent

Valid Highly Aware 1 2.0

Somewhat Aware 21 42.0

Aware 27 54.0

Unaware 1 2.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 42% of the respondents are somewhat aware about benefits of
kisan scheme for farmers, 54% of the respondents are aware about benefits of kisan scheme for farmers, 2% of the
respondents are highly aware about benefits of kisan scheme for farmers, 4% of the respondents are unaware about
benefits of kisan scheme for farmers, there is no value for highly unaware kisan scheme for farmers.

Table 5.38 c)Are you aware about the KISAN RATH moblie app which facilitates the
farmers and traders across the country for transport of agri-produce

Frequency Percent

Valid Highly Aware 4 8.0

Somewhat Aware 29 58.0

Aware 16 32.0

Unaware 1 2.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 58% of the respondents are somewhat aware, 32% of the
respondents are aware, 8 % of the respondents are highly aware, 2% of the respondents are un aware, there is no value
for highly unaware about the scheme “KISAN RATH mobile app which facilitates the farmers and traders across the
country for transport of agri-produce”.

40
Table 5.38 d)Are you aware about the few subsidy schemes that are in favor of farmers
owning the necessary machinary

Frequency Percent

Valid Highly Aware 7 14.0

Somewhat Aware 26 52.0

Aware 16 32.0

Unaware 1 2.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 52% of the respondents are somewhat aware, 32% of the
respondents are aware, 14% of the respondents are highly aware, 2% of the respondents are unaware and there is no
value for highly unaware about few subsidy schemes that are in Favor of farmers owning the necessary machinery.

Table 5.38 e)Do you think any training is needed for farmers to use
modern agricultural thechnological applications

Frequency Percent

Valid yes 49 98.0

no 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 98% of the respondents think that training is needed and 2% of the
respondents think that training is not needed for farmers to use modern agricultural technological applications.

Table 5.38 f)mention the advantages and merits of use of morden technological applications in
terms of agricultural output

Frequency Percent

Valid increased output 4 8.0

increase in productivity 44 88.0

No change 0 0.0

Decrease in output and 2 4.0

productivity

41
 Others 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 88% 0f the respondents think that there is increase in productivity,
4% of the respondents think that there is decrease productivity and 8% think increase output in merits of use of
modern technological applications in terms of agricultural output, there is no value for no change and others value in
merits of use of modern technological applications in terms of agricultural output.

Table 5.38 g)Are you aware about the subsidy schemes for biogas setup from the
government

Frequency Percent

Valid Highly Aware 8 16.0

Somewhat Aware 33 66.0

Aware 9 18.0

Unaware 0 0.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 66% of the respondents are somewhat aware about the subsidy
schemes,18% of the respondents are aware about the subsidy schemes 16% of the respondents are highly aware about
the subsidy schemes about the subsidy schemes for biogas setup from the government, there is no value for unaware
and highly unaware.

Table 5.38 h)Are you aware about the subsidy schemes for solar energy setup from the
government

Frequency Percent

Valid Highly Aware 3 6.0

Somewhat Aware 24 48.0

Aware 21 42.0

Unaware 2 4.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 48% of the respondents are somewhat aware about the subsidy
schemes, 42% of the respondents are aware about the subsidy schemes,6% of the respondents are highly aware about
the subsidy schemes for solar energy setup from the government, there is no value for highly unaware about the
subsidy schemes for solar energy setup from the government

42
 Table 5.39 a) Cheif Minster’s compherhensive health insurance

Frequency Percent

Valid HIghly satisfied 25 50.0

some what aware 10 20.0

aware 7 14.0

unaware 6 12.0

highly dissatisfied 2 4.0

Total 50 100.0

INTERPRETATION: The above table shows that 50% of the respondents are highly aware about the scheme, 20%
of the respondents are somewhat aware about the scheme, 14% of the respondents are aware about the scheme, 12%
of the respondents are unaware about chief minister comprehensive health scheme.

Table 5.39 b) Illam thedi maruthuvam

Frequency Percent

Valid highly satisfied 9 18.0

some what aware 25 50.0

aware 13 26.0

unaware 2 4.0

highly dsisatisfied 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 50% of the respondents are somewhat aware about the scheme,
26% of the respondents are aware about the scheme, 18% of the respondents are highly aware about the scheme,4%
of the respondent are unaware about illam thedi maruthuvam.

43
 Table 5.39 c) Material Assistance scheme

Frequency Percent

Valid highly satisfied 4 8.0

somewhat aware 32 64.0

aware 11 22.0

unaware 3 6.0

Highly unaware 0 0.0

Total 50 100.0

INTERPRETATION: The above table shows that 64% of the respondents are somewhat aware about the scheme,
22% of the respondents are aware about the scheme, 8% of the respondents are highly aware about the scheme,6% of
the respondent are unaware about maternal assistance scheme, there is no value for highly unaware about maternal
assistance scheme.

Table 5.39 d) Marraige assistance scheme

Frequency Percent

Valid highly aware 9 18.0

somewhat aware 16 32.0

aware 19 38.0

unaware 5 10.0

highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 38% of the respondents are aware about the scheme, 32% of the
respondents are somewhat aware about the scheme,18% of the respondents are highly aware , 10% of the respondent
are unaware about marriage assistance scheme.

Table 5.39 e) Sewing Machine supply scheme

Frequency Percent

Valid highly aware 8 16.0

somewhat aware 15 30.0

44
 aware 17 34.0

unaware 8 16.0

highly unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above tables show that 34% of the respondents are aware about the scheme, 30% of the
respondents are somewhat aware about the scheme, 16% of the respondents are highly aware about the scheme,16%
of the respondent are unaware , 2% are respondent unaware about sewing machine supply scheme.

Table 5.39 f) Loan can be obtained:Housing,house construction,repair

extension loan (Max 10 lakhs)

Frequency Percent

Valid Highly Aware 15 30.0

Somewhat Aware 14 28.0

Aware 14 28.0

Unaware 6 12.0

Highly Unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 30% of the respondents are highly aware about housing loan, 28%
of the respondents are somewhat aware about housing loan, 28% of the respondents are aware about housing
loan,12% of the respondents are unaware about Loan can be obtained:Housing,house construction, repair extension
loan

Table 5.39 g Loan can be obtained :jewel loan (max 1 lakhs)

Frequency Percent

Valid Highly Aware 21 42.0

Somewhat Aware 7 14.0

Aware 6 12.0

Unaware 12 24.0

Highly Unaware 4 8.0

Total 50 100.0

INTERPRETATION: The above table shows that 42% of the respondents are highly aware about jewel loan, 24% of

45
the respondents are unaware about jewel loan, 14% of the respondents are somewhat aware about jewel loan,12% of
the respondents are aware about Loan can be obtained :Jewel loan.

Table 5.39 h Loan can be obtained:Horticulture(Max 2 lakhs)

Frequency Percent

Valid Highly Aware 17 34.0

Somewhat Aware 11 22.0

Aware 11 22.0

Unaware 8 16.0

Highly Unaware 3 6.0

Total 50 100.0

INTERPRETATION: The above table shows that 34% of the respondents are highly aware about horticulture loan,
22% of the respondents are aware about horticulture loan, 22% of the respondents are somewhat aware about
horticulture loan, 8% of the respondents are unaware about Loan can be obtained: Horticulture

Table 5.39 I Loan can be obtained:Inland fishing (Max 2 lakhs)

Frequency Percent

Valid Highly Aware 6 12.0

Somewhat Aware 12 24.0

Aware 15 30.0

Unaware 16 32.0

Highly Unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 30% of the respondents are aware about inland fishing loan, 32%
of the respondents are unaware about inland fishing loan, 24% of the respondents are somewhat aware about inland
fishing loan, 12% of the respondents are highlyaware about Loan can be obtained: Inland fishing.

46
 Table 5.39 j Loan can be obtained:poultry development maximum amount of loan
Rs.14,800 for 200 birds Rs.17,000 for 2 cows.Rate of interest

Frequency Percent

Valid Highly Aware 4 8.0

Somewhat Aware 14 28.0

Aware 19 38.0

Unaware 12 24.0

Highly Unaware 1 2.0

Total 50 100.0

INTERPRETATION: The above table shows that 38% of the respondents are aware about poultry loan, 28% of the
respondents are somewhat aware about poultry loan, 24% of the respondents are un aware about poultry loan, 8% of
the respondents are highly aware about poultry loan about Loan can be obtained: poultry development maximum
amount of loan Rs.14, 800 for 200 birds Rs.17,000 for 2 cows Rate of interest

Table 5.39 k Loan can be obtained:power tiller (upto 90%)

Frequency Percent

Valid Highly Aware 1 2.0

Somewhat Aware 9 18.0

Aware 18 36.0

Unaware 18 36.0

Highly Unaware 4 8.0

Total 50 100.0

INTERPRETATION: The above table shows that 36% of the respondents are aware about power tiller loan, 36% of
the respondents are aware about power tiller loan, 18% of the respondents are somewhat aware about power tiller

47
loan, 8% of the respondents are highly unaware about power tiller loan and 8% of the respondents are highly unaware
about Loan

Table 5.39 l Loan can be obtained:tractor purchase (upto 90%)

Frequency Percent

Valid Highly Aware 2 4.0

Somewhat Aware 5 10.0

Aware 16 32.0

Unaware 14 28.0

Highly Unaware 13 26.0

Total 50 100.0

INTERPRETATION: The above table shows that 32% of the respondents are aware about tractor loan, 28% of the
respondents are unaware about tractor loan, 26% of the respondents are highly unaware about tractor loan, 10% of the
respondents are somewhat aware about the Loan.

48
Table 5.40 CHI-SQUARE

Age of the Respondent * Are you aware about mircofinance Cross tabulation
Count

Are you aware about mircofinance

yes no Total

Age of the Respondent 18-25 6 0 6

26-34 21 0 21

35-44 15 2 17

45-54 5 0 5

55&above 1 0 1
Total 48 2 50

Chi-Square Tests

Value df Asymp. Sig. (2-sided)

Pearson Chi-Square 4.044a 4 .400

Likelihood Ratio 4.479 4 .345
Linear-by-Linear Association .682 1 .409
N of Valid Cases 50

a. 7 cells (70.0%) have expected count less than 5. The minimum expected count is .04.

Here,
Ho is a Age of responded ,
H1is a Are you aware about microfinance cross.

49
There is no relationship between Age of the Responded and Are you aware about microfinance cross.
As the Asymptolic significance is 0.400
0.400 > 0.05
The Asymptolic significance is greater than 0.05.
So Accept the H0
Thus,there is no relationship between H0 and H1.

FINDINGS:

1. Majority 36.8% of respondents belong to the age category of 26-34.

2. Majority 59.6% of respondents have 3 members in their family.
3.Majority 59.6% of respondents are Female.
4. Majority 29.8% of respondents are Primary.
5. Majority 47.4% of respondents getting Earnings.
6. Majority 52.6% of respondents are Farmer.
7. Majority 70.2% of respondents have 1to2 acre.
8. Majority 63.2% of respondents are living in Own titled house.
9. Majority 45.6% of respondents have asset value of 100000-200000.
10. Majority 78.9% of respondents have bank A/c.
11. Majority 73.7% of respondents are having savings A/C.
12. Majority 71.9% are submitted Aadhar card for opening bank A/c.
13. Majority 73.7% of respondents have ATM card.
14.Majority 33.3% SBI bank.
15. Majority 73.7% of respondents aware about withdrawal of money from bank or ATM.
16. Majority 36.8% of respondents getting help from Excisting staff to withdraw money
from bank or ATM.
17. Majority 49.1% of respondents visit bank monthly.
18. Majority 40.4% of respondents doing deposits and withdrawal within the month.
19. Majority 45.6% of respondents are Somewhat aware about internet banking.
20. Majority 33.3% of respondents are Somewhat aware about mobile banking.
21. Majority 38.2% of respondents are Somewhat aware about bank loan.
22. Majority 43.9% of respondents for Health insurance.
23. Majority 61.4% of respondents have opined Satisfied in the quality services provided by the banks.
24. Majority 84.2% of respondents are aware about microfinance.

50
25.Majority 83% of respondents opined Strongly agree with the statement that microfinance directly helps the
beneficiary for their economic activity.
26. Majority 77.2% of respondents opined agree with the statement that cost of getting
ordinary loan from micro finance is less.
27. Majority 38.6% of respondents opinioned Agree with the statement that personal
asset requires for availing micro finance loan.
28. Majority 38.6% of respondents opinioned strongly agree with the statement that
microfinance can be obtained within short duration.
29. Majority 28.1% of respondents opinioned neutral with the statement that interest rate is less compared with
other bank loans.
30. Majority 66.7% of respondents opinioned Somewhat agree with the statement that repayment pattern of micro
finance are well within the capacity of borrowers.
31. Majority 45.6% of respondents are Somewhat aware about banking product and services under PMJDY.
32. Majority 43.9% of respondents are Somewhataware about the pension and insurance
products provided by scheme under PMDY.
33. Majority 40.4% of respondents are both Highly Aware and Somewhat aware about the facility that easy
transfer of money across India under PMJDY.
34. Majority 38.6% of respondents are highly aware about the rupay debit card.
35. Majority 29.8% of respondents are Some what aware about the accidental insurance cover of Rs.1lakh.
36. Majority 63.2% of respondents are Highly aware about National rural livelihood mission.
37. Majority 61.4% of respondents are Somewhat aware about Mahatma Gandhi national rural employment
guarantee act.
38. Majority 49.1% of respondents are Somewhat aware about Pradhan manthri kaushal vikas yojana.
39. Majority 31.6% of respondents are Somewhat aware about Pradhan manthri awas yojana.
40. Majority 35.1% of respondents are aware about Prime Minister Arogya yojana.
41. Majority 35.1% of respondents are Somewhat aware about National rural livelihood mission.
42. Majority 38.6% of respondents are Somewhat aware about National old age pension scheme.
43. Majority 33.3% of respondents are aware about National widow pension scheme.
44. Majority 33.3% of respondents are Somewhat aware about National family benefit scheme.
45. Majority 87.7% of respondents are a beneficiary of rural development schemes.
46.Majority 31% of respondents opined disinterested for reason for not the beneficiary of
rural development schemes.
47. Majority that 64.9% of respondents opinioned sometimes benefitted for opinion of
the respondents that rural development schemes are benefitted in their area.
48. Majority 47.4% of respondents have opined Proper Communication for
various ways to enhance people’s participation.
49. Majority 73.7% of respondents opined sometimes informed for various rural
development programmes existing in the area.
50. Majority 43.9% of respondents opined sometimes communicated for response about the proper
communication are performed while new development schemes are implementing.
51. Majority 24.6% of respondents opined for Infrastuctured opinion of the respondents that the new area of rural
has to be introduce development.
52. Majority 42.1% of respondents opined very moderate for convenience of the scheme of rural development to
people.

51
53. Majority 77.2% of respondents opined Highly satisfied for scheme of accidental insurance in the case of
accidental death.
54. Majority 68.4% of respondents opined Satisfied for scheme of accidental insurance in the case of accidental
disability.
55. Majority 54.4% of respondents opined satisfied for scheme of accidental insurance in
the case of natural death assistance.
56. Majority 50.9% of respondents opined neutral for scheme of accidental insurance in the case of funeral
expenses assistance.
57. Majority 28.1% of respondents opined Highly satisfied for educational assistance provided to girl children
studying 10th.
58. Majority 26.3% of respondents opined satisfied for educational assistance provided to son or daughter passed
10th.
59. Majority 31.6% of respondents opined neutral for educational assistance provided to girl children studying 11 th
60. Majority 28.1% of respondents opined Satisfied for educational assistance provided to girl children studying
12th.
61. Majority 22.8% of respondents opined neutral for educational assistance provided to son or daughter passed
12th.
62. Majority 42.1% of respondents opined neutral for educational assistance provided to the student doing regular
degree with hostel facility.
63.Majority 28.1% of respondents opined neutral for marriage assistance under social
security benefits.
64. Majority 29.8% of respondents opined both neutral and dissatisfied ,for various rural development
programmes existing in the area.
65. Majority 21.1% of respondents opined sometimes communicated for response about the proper
communication are performed while new development schemes are implementing.
81. Majority 75.4% of respondents opined agree and 1.8% of disagree for satisfaction of the respondents in online
shopping experience.
82. Majority 59.6% of respondents opined agree for online shopping is hassle free
compared with traditional shopping.
83. Majority 33.3% of respondents opined agree for online shopping is comfortable
than traditional shopping.
84. Majority 35.1% of respondents opined strongly agree for online shopping saves time
and money compared to traditional shopping.
85. Majority 47.4% of respondents opined strongly agree for online shopping is preferred
because of 24*7 shopping facility.
86. Majority 45.6% of respondents are aware about sprinklers irrigation.
87. Majority 47.4% of respondents are aware about kisan scheme.
88. Majority 50.9% of respondents are Somewhat aware about kisan rath mobile application.
89. Majority 45.6% of respondents are Somewhat aware about the subsidy schemes.
90. Majority 87.7% of respondents opined training required for farmers to use modern
technology.
91. Majority 77.2% of respondents opined Increase Productivity for advantages and merits of use of modern
technological applications.
92. Majority 57.9% of respondents opined Somewhat aware for awareness about subsidy
schemes provided by government for bio gas setup.

52
 93. Majority 42.1% of respondents opined somewhat aware for awareness about subsidy
schemes provided by government for solar energy setup.
94. Majority 26.3% of respondents are Highly aware about housing loan.
95.Majority 36.8% of respondents are highly aware about jewel loan.
96. Majority 29.8% of respondents are highly aware about horticulture.
97. Majority 28.1% of respondents are unaware about inland fishing.
98. Majority 33.3% of respondents are aware about poultry development.
99. Majority 31.6% of respondents are aware about power tiller.
100. Majority 28.1% of respondents are aware about tractor purchase.

Leaning Outcomes:

 I had learned, they don’t know any awareness about TAMILMADU GOVERNMENT SCHEME in rural areas.

 In this project, I felt that they don’t have awareness about insurance. Govt should give a awareness to the rural
area.

 More awareness need to be created for online shopping in rural area.

 I improved myself to communicate with the unknown persons.

 This project helped me to know about the people’s mindset about rural schemes.

 I understood how people give response for research and data collection.

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Photos Taken

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Completion certificate:

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