Rural Innovation Project

Project report Submitted in partial fulfillment of the

requirements for the award of the degree of

MASTER OF BUSINESS ADMINISTRATION

by

R.KARTHIKEYAN
( Reg. No : 23MBA078 )

Under the guidance of

Dr.S.SARAVANAN
Asst. Professor/Associate Professor/ Professor

DEPARTMENT OF BUSINESS ADMINISTRATION(PG)

HINDUSTHAN COLLEGE OF ARTS & SCIENCE (Autonomous)
(Approved by AICTE New Delhi and Affiliated to Bharathiar University)

(ISO 9001:2008 Certified Institution)

Behind Nava India, Coimbatore – 641028
2023-2024
 CERTIFICATE

This to certify that the Rural Innovation Project, submitted in partial fulfillment of the
requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION is a
record of original research work done by R.KARTHIKEYAN ( Reg.No : 23MBA078 ) under my
supervision and guidance.

Signature of the Guide

COUNTER SIGNED BY

DIRECTOR PRINCIPAL

VIVA-VOCE EXAMINATION HELD ON -----------------------------------------

INTERNAL EXAMINER EXTERNAL EXAMINER

 DECLARATION

I, R.KARTHIKEYAN hereby declare that the Rural Innovation Project submitted in partial
fulfillment of the requirements for the award of the degree of MASTER OF BUSINESS
ADMINISTRATION is a record of original and independent under the supervision and guidance of
Dr. S.SARAVANAN Assistant Professor/Associate Professor/ Professor, Department of Business
Administration (PG), Hindusthan College of Arts and Science and it has not formed the basis for the
award of any Degree / Diploma / Associate ship / Fellowship or other similar title to any candidate
of any University.

Signature of the Candidate

 ACKNOWLEDGEMENT

Any successful completion of task would be incomplete without the mention of the people
who made this possible with constant guidance and encouragement.
I wish to extend my gratitude to our principal Dr. A. PONNUSAMY, MBA., M. Phil., Ph.D.,
Hindustan college of arts and science for providing the facilities for carry out this institutional
training.
I express my deepest thanks to the Dr. B. SUDHAKAR , Director, Department of Business
Administration (PG), for their careful and precious guidance who gave opportunity for me to attend
this graceful project.
It is my radiant sentiment to place on record my best regards, deepest sense of gratitude t o
Dr. S.SARAVANAN, Department of Business Administration (PG) for his valuable guidance,
advice, support and encouragement to complete this project successfully.
I extend my thanks to all the faculty members of our department for the kind co- operation.
I wish to express my love and affection to my parents for their support to complete this
project.
I express my sincere thanks to my friends who were supporting me.
 LIST OF CONTENTS

S.NO TITLE Page

No.

1
INTRODUCTION

2
OBJECTIVE OF THE PROJECT

3 DESCRIPTION OF THE GEOGRAPHICAL AREA TAKEN FOR

PROJECT

4 GENERAL DEMOGRAPHIC STATUS OF THE POPULATION

WHERE THE PROJECT WAS UNDERTAKEN

5 DATA ANALYSIS

6 LEARNING OUTCOME
TABLE
CONTENT PAGE NO.
NO.
5.1 AGE 5
5.2 FAMILY MEMBERS 5
5.3 GENDER 6
5.4 LITERACY LEVEL 6
5.5 MONTHLY INCOME 7
5.6 OCCUPATION 7
5.7 LAND HOLD PATTERN 8
5.8 TYPES OF HOUSES 8
5.9 ASSET VALUES 9
5.10 BANK ACCOUNT 9
5.11 TYPES OF ACCOUNT 10
5.12 TYPES OF PROOFS 10
5.13 ATM CARD 11
5.14 UTILIZATION OF ATM SERVICES 11
5.15 WITHDRAW OF MONEY 12
5.16 HELP TO USE ATM SERVICES 12
5.17 FREQUENCY OF BANK VISITING 13
5.18 DEPOSITS AND WITHDRAWALS 13
5.19 AWARENESS OF INTERNET BANKING 14
5.20 AWARENESS OF MOBILE BANKING 14
5.21 AWARENESS ON BANK LOAN 15
5.22 ACCESS TO INSURANCE 15
5.23 BANKING QUALITY SERVICES 16
5.24 a) AWARE ON MICRO FINANCE 16
5.24 b) BENEFICIARY FOR ECONOMIC ACTIVITY 17
5.24 c) COST OF GETTING 17
5.24 d) AVAILABLE OF MICRO FINANCE LOAN 18
5.24 e) DURATION OF MICRO FINANCE 18
5.24 f) INTEREST OF MICRO FINANCE 19
5.24 g) REPAYMENT PATTERN 19
5.25 a) ZERO BALANCE 20
5.25 b) ACCESS TO PENSION, INSURANCE PRODUCTS 20
5.25 c) EASY TRANSFER OF MONEY ACROSS INDIA 21
5.25 d) RUPAY DEBIT CARD 21
5.25 e) ACCIDENTAL INSURANCE COVER OF RS. 1 LAKH 22
5.26 a) NATIONAL RURAL LIVELIHOOD MISSION 22
5.26 b) MAHATMA GANDHI RURAL EMPLOYMENT 23
GUARANTEE ACT
5.26 c) PRADHAN MANTRI KAUSHAL VIKAS YOJANA 23
5.26 d) PRADHAN MANTRI AWAS YOJANA 24
5.26 e) PRIME MINISTER AROGYA YOJANA 24
5.26 f) NATIONAL RURAL LIVELIHOOD MISSION 25
5.26 g) NATIONAL OLD AGE PENSION SCHEME 25
5.26 h) NATIONAL WIDOW PENSION SCHEME 26
5.26 i) NATIONAL FAMILY BENEFIT SCHEME 26
5.27 a) BENEFICIARY OF THE RURAL DEVELOPMENT 27
SCHEMES
3.29 REASON FOR NOT BENEFICIARY 27
3.30 BENEFITTED BY RURAL DEVELOPMENT SCHEME 28
3.31 PEOPLE’S PARTICIPATION ENHANCEMENT 28
3.32 AWARE OF EXISTING RURAL SCHEME 29
DEVELOPMENT
3.33 NEWLY DEVELOPMENT SCHEMES COMMUNICATED 29
3.34 INTRODUCE OF NEW RURAL 30
3.35 CONVENIENCE OF RURAL DEVELOPMENT 30
3.36 a) ACCIDENTAL DEATH 31
3.36 b) ACCIDENTAL DISABILITY 31
3.36 c) NATURAL DEATH ASSISTANCE 32
3.36 d) FUNERAL EXPENSES ASSISTANCE 32
3.36 e) GIRL CHILDREN STUDYING 10TH 33
3.36 f) IF THE SON OR DAUGHTER PASSED 10TH 33
3.36 g) GIRL CHILDREN STUDYING 11TH 34
3.36 h) GIRL CHILDREN STUDYING 12TH 34
3.36 i) IF THE SON OR DAUGHTER PASSED 12TH 35
3.36 j) REGULAR DEGREE COURSE WITH HOSTEL FACILITY 35
3.36 k) MARRIAGE ASSISTANCE 36
3.36 l) MATERNITY ASSISTANCE MISCARRIAGE 36
3.36 m) PENSION 37
3.37 a) SATISFIED WITH ONLINE SHOPPING EXPERIENCE 37
3.37 b) ONLINE SHOPPING VS TELE SHOPPING 38
3.37 c) ONLINE SHOPPING COMFORTABLE 38
3.37 d) ONLINE SHOPPING SAVES TIMES 39
3.37 e) ONLINE SHOPPING 24*7 39
3.38 a) LATEST TECHNOLOGY OF WATER IRRIGATION 40
b) BENEFITS OF KISAN SCHEME 40
c) KISAN RATH MOBILE APP 41
d) SUBSIDY SCHEMES 41
e) MODERN AGRICULTURAL TECHNOLOGICAL APPLICATIONS 42
f) ADVANTAGES OF USE OF MODERN 42
TECHNOLOGICAL APPLICATIONS
g) BIOGAS SETUP 43
h) SOLAR ENERGY SETUP 43
INTRODUCTION

Management had provided rural innovation project to students, which

should be initiated among the village and a make study about the people prediction and
knowledge around the development executed by the government. The main motive of this
project is to improve quality of life and economic well-being of people in rural areas. We the
students had wholesome responsibility to create awareness and to educate them about the
government schemes undertaken.

Rural innovation project is based on the survey of people within rural areas
to check whether they are aware about the schemes undertaken by the central government
regarding the microfinance, available banking product and services and rural development
schemes. Social security benefits prefer to the people who are at financial requirement which
consist of accidental insurance schemes and labour welfare schemes.

This research was also depended on the people who are receptive about the
digital banking, banking services provided, online shopping and technological development
implemented in agriculture. It includes every individual’s opinion particularly in rural areas
about the government undertaken schemes and policies. Moreover, it also examines the
statistical data about the people in the rural areas. The objective of this project is to examine
whether the people in rural areas benefited by the schemes and technologies provided by the
governmen

1
OBJECTIVE OF THE PROJECT

The objective of the project is to enhance the areas that are lagging behind the overall
development of the rural economy. The strategy that tries to obtain an improved productivity and
stability in social and economic development are:

1. To increase human resources development in rural area in which rural economy involves
not only in agriculture but all human, social, natural and material resources.
2. To motivate saving and investment among the rural people in which banks playa a crucial
role in rural capital formation. The role of the bank in rural development is manifold.
3. To create awareness about digital banking and rural people. The government initiatives as
well as banks (private or public) efforts in implementing digital services.
4. To alleviate rural poverty can be achieved by identifying income generating activities on
micro finance for socio-economic development.
5. To provide beneficial schemes especially for the development of rural people, the central
government has established: PMJDY, NRLM, PMKVY, MGNREGA, PMAY, PM-JAY,
NOAPS, NWPS, NFBS and so on.
6. To provide social security to people, the government had introduced the labour welfare
fund act. Labour welfare schemes are an aid in the form of money or necessities for those
in need.
7. To impart knowledge between the farmers to adopt modern technology. Modern
agriculture technology hopes to achieve two important goals- profitable economy and
better output.
8. To provide income support to all land holding eligible farmers families, the government
has launched PM-KISAN. The schemes, technological development and subsidies
provided by the government will help the farmer to reduce poverty and
9. Receive a profitable outcome.

2
 DESCRIPTION OF THE GEOGRAPHICAL AREA TAKEN FOR PROJECT

The geographical area of a village I had chosen is S.R.pattinam

is grama panchayat in Sivaganga district, TamilNadu, India. It is situated in Karaikudi
municipalty.

11
GENERAL DEMOGRAPHIC STATUS OF THE POPULATION WHERE THE
PROJECT WAS UNDERTAKEN:

District

Block Panchayat

Area

Wards

Population

Male

Female

Population Density

Sex ration

Literacy rate

12
DATA COLLECTED
The rural innovation project survey started on 25th Jan 2023 to 27th Jan
2023. S.R.Pattinam is the village where I have undertaken my rural innovation project by
collecting data with 50 people of 37 questionnaire.

CHAPTER 5

PERCENTAGE ANALYSIS

5.1 Age Wise Distribution

AGE
Particular Frequency Percent
26-34 2 4.0
35-44 18 36.0
45-54 17 32.0
55 & Above 14 28.0
Total 50 100.0

Most respondents’ population fall in the age group 45-54 (34%) and 35-44 (34%),
while a next percentage falls under 55 & above with the percentage of (28%). Although a
considerable amount above falls in the category of 26-34 with (04%).

5.2 Family Wise Distribution

Family Members
Particular Frequency Percentage
3 19 38.0
4 25 50.0
5 6 12.0
Total 50 100.0

The above Table shows that the family has 3 members are 38%, 4 members are 50%,
5 members are 12%. So, the majority comes under the family member of 4 which is 50%.

5.3 Gender Wise Distribution

13
 Gender

Particular Frequency Percentage

MALE 45 90.0

FEMALE 5 10.0

Total
50 100.0

The total valid responses reveal that 90% of respondents are male and 10% of
female. The male respondents are more in number than female respondents.

5.4 Literacy level Wise Distribution

Literacy level
Particular Frequency Percentage
Illiterate 8 16.0
Primary 10 20.0
Secondary 18 36.0
Degree 13 26.0
Post Graduate 1 2.0
Total 50 100.0

The level of literacy level of illiterate is 16%, primary 20%, secondary 36%, degree
26%, post graduate 2%.

5.5 Monthly Income Wise Distribution

14
 Monthly Income
Particular Frequency Percentage
10,001 to 20,000 18 36.0
20,001 to 30,000 25 50.0
30,001 to 40,000 5 10.0
40,001 & Above 2 4.0
Total 50 100.0

The above table shows that the monthly income of the respondents are: 10,000-20,000 36%, 20,000 -30,000
25%, 30,000- 40,000 10%, 40,000 & above 4%.

5.6 Occupation Distribution

Occupation
Particular Frequency Percentage
Farmer 2 4.0
Agricultural Labour 8 16.0
Labour 18 36.0
Salaried People 15 30.0
Self - Employee 7 14.0
Total 50 100.0

Most respondents fall under occupation of Labour 36%,Salaried people 30%,Agricultural

labour 16%,Self-Employee 14%,Farmer 4%.

5.7 Land hold pattern wise distribution

Land hold pattern

15
 Particular Frequency Percentage
No Land 17 34.0
Less than One Acre 22 44.0
1 to 2 Acre 6 12.0
2 to 3 Acre 5 10.0
Total 50 100.0

From the data collected can identify that Less than one acre is (44%), No Land is (34%), 1
to 2 acre is (12%) and 2 to 3 acres is (10%).

5.8 Types of House wise distribution

Types of House
Particular Frequency Percentage
Thatched House 13 26.0
Govt Scheme House 1 2.0
Own Title House 2 4.0
Own Small Building 34 68.0
Total 50 100.0

The above table shows the percentage of types of houses where the maximum
percentage 68% of respondents belongs to own small building and the minimum
percentage 2% belongs to Govt scheme House.

5.9 Asset value wise distribution

16
 Asset value
Particular Frequency Percentage
Less than 1,00,000 21 42.0
1,00,000 to 2,00,000 24 48.0
2,00,000 to 3,00,000 3 6.0
3,00,000 to 4,00,000 2 4.0
Total 50 100.0

The above table reveals that less than 100000 have (42%), and 100000 to 200000 have
(48%), and 200000 to 300000 have (6%), and 300000 to 400000 have (4%).

5.10 Bank account wise distribution

Bank account

Particular Frequency Percentage

YES 47 94.0
NO 3 6.0
Total 50 100.0

The above table shows all the respondents are having account in the bank which is 94%.

5.11 Types of Account wise distribution

Types of account
Particular Frequency Percent
Savings A/C 48 96.0
Joint A/C 1 2.0
Others Specify 1 2.0
Total 50 100.0

The respondents are under the savings A/C of 96%, joint A/C of 2%, others 2%.

17
5.12 Types of proof wise distribution

Types of proof
Particular Frequency Percentage
Voter Card 14 28.0
Aadhar Card 25 50.0
Ration Card 9 18.0
Others 2 4.0
Total 50 100.0

50% of the respondents used Aadhar card as a proof and 28% as voter card and
18% as ration card.

5.13 ATM card wise distribution

ATM card

Particular Frequency Percentage

Yes 35 70.0
No 15 30.0
Total 50 100.0

70% of the respondents have ATM Card and 30% of the respondents doesn’t have ATM Card.

5.14 ATM service wise distribution

ATM services
Particular Frequency Percent
Yes 27 54.0
No 23 46.0
Total 50 100.0

54% of the respondents use the utilization of ATM Card, while 46% does not utilise
the ATM service.

18
5.15 Withdraw money wise distribution

Withdraw money

Particular Frequency Percentage

Yes 23 46.0
No 27 54.0
Total 50 100.0

54% of the respondents does not know how to withdraw amount in the ATM, while 46% of
the respondents know how to withdraw amount in the ATM.

5.16 Help use withdraw wise distribution

Help use withdraw

Particular Frequency Percentage
0 1 2.0
Family Members 32 64.0
Friends 4 8.0
Existing staff in the bank 11 22.0
BC Staff 2 4.0
Total 50 100.0

The above table shows 64% of the respondents get help from the family members, 8% of the
respondents from friends, 22% of the respondents from existing staff in the bank,4% of the
respondents from BC staff.

14
5.17 Frequency of Bank visiting Wise distribution

Frequency of Bank visiting

Particular Frequency Percentage
0 1 2.0
Weekly 1 2.0
Monthly 27 54.0
Every two months 11 22.0
Every three 4 8.0
Every Four & Above 6 12.0
Total 50 100.0

The above table shows that 54% of the respondents monthly, 22% every two
monthly, 12% every four & above months,8% every three month and 2% weekly.

5.18 Deposits and withdrawals distribution

Deposits and withdrawal

Particular Frequency Percentage

Within two Weeks 16 32.0
Within three Weeks 19 38.0
More than a Month 13 26.0
Others 2 4.0
Total 50 100.0

The above table shows that 38% of the respondent deposits within three weeks, 32% deposits
within two weeks, 26% deposits more than a month ,2% others .

15
5.19 Awareness of Internet banking wise distributing

Awareness of internet banking

Particular Frequency Percentage

0 1 2.0
Highly Unaware 18 36.0
Unaware 2 4.0
Aware 10 20.0
Somewhat Aware 15 30.0
Highly Aware 4 8.0
Total 50 100.0

The above table shows 36% of the respondents are highly unaware of internet
banking, 30% are somewhat aware of internet banking, 20% are aware of internet
banking.

5.20 Awareness on mobile banking wise distribution

Awareness on mobile banking

Particular Frequency Percentage

0 1 2.0
Highly Unaware 20 40.0
Unaware 1 2.0
Aware 7 14.0
Somewhat Aware 13 26.0
Highly Aware 8 16.0
Total 50 100.0

The above table shows 16% of the respondents are highly aware of mobile
banking, 26% are somewhat aware, 14% are aware, 40% are highly unaware of mobile
banking.

16
5.21 Awareness on bank loan wise distribution

Awareness on bank loan

Particular Frequency Percentage

0 1 2.0
Highly Unaware 4 8.0
Unaware 3 6.0
Aware 17 34.0
Somewhat Aware 18 38.0
Highly Aware 6 12.0
Total 50 100.0

The above table shows 8% are Highly unaware of bank loans,

36% are somewhat aware, 12% are Highly aware of bank loans and 36%
are Aware of bank loans.

5.22 Access to Insurance distribution

Access to insurance
Particular Frequency Percentage
Life Insurance 9 18.0
Health Insurance 21 42.0
Livestock Insurance 4 8.0
Don't have any Insurance 16 32.0
Total 50 100.0

Here, the table shows 42% of the respondents have health insurance, 32% of the
respondents don’t have any Insurance, 18% of the respondents have life insurance, 8%
have livestock insurance.

17
5.23 Banking quality services

Banking quality services

Particular Frequency Percentage
Highly Dissatisfied 3 6.0
Dissatisfied 3 6.0
Neutral 13 26.0
Satisfied 23 46.0
Highly Satisfied 8 16.0
Total 50 100.0

The banking quality services are 46% of satisfied, 26% of neutral,16% of highly
satisfied and 6% of dissatisfied.

5.24 Awareness on accessing Micro Finance

a) Aware on Micro Finance

Particular Frequency Percentage
YES 11 22.0
NO 39 78.0
Total 50 100.0

The unawareness of microfinance falls under No 78% and Awareness of

microfinance under yes of 22%.

b) Beneficiary for Economic Activity

Particular Frequency Percentage
STRONGLY AGREE 5 10.0
AGREE 12 24.0
NEUTRAL 20 40.0
DISAGREE 11 22.0
STRONGLY DISAGREE 2 4.0
Total 50 100.0

The above table show that the beneficiary for economic activity is 46% of
neutral, 24% of agree, 22% of disagree, 10% of strongly agree.

18
 c) Costs of getting wise distribution
Particular Frequency Percent
STRONGLY AGREE 4 8.0
AGREE 12 24.0
NEUTRAL 19 38.0
DISAGREE 12 24.0
STRONGLY DISAGREE 3 6.0
Total 50 100.0

The above table shows that the cost of getting microfinance loan is
381% of Neutral, 24% agree ,24% of disagree,8% of strongly agree, 6% of
strongly disagree.

d) Micro Finance loan can obtain within short duration

Particular Frequency Percent

STRONGLY AGREE 5 10.0
AGREE 9 18.0
NEUTRAL 19 38.0
DISAGREE 13 26.0
STRONGLY DISAGREE 4 8.0
Total 50 100.0

The table reveals that the economic activity more respondent for neutral are
(38%),agree (18%), strongly agree are (10%), Disagree (26%) and Strongly Disagree
(18%).

e) Micro Finance loan one requires personal asset to get it

Particular Frequency Percent
STRONGLY AGREE 4 8.0
AGREE 16 32.0
NEUTRAL 16 32.0
DISAGREE 13 26.0
STRONGLY DISAGREE 1 2.0
Total 50 100.0

For Availing the micro finance loan one requires personal asset to get it table
reveals that the more respondent neutral are (32%), agree (32%), strongly agree
are (8%),disagree are (26%) and Strongly Disagree (2%).

19
 f ) Interest rate distribution
particular Frequency Percent
STRONGLY AGREE 14 28.0
AGREE 12 24.0
NEUTRAL 13 26.0
DISAGREE 11 22.0
Total 50 100.0

The table reveals that the economic activity more respondent for Strongly
agree are (28%), neutral are (26%), agree are (24%), Disagree are (22%) and
Strongly Disagree (22%).

g) Repayment pattern

Particular Frequency Percent

STRONGLY AGREE 5 10.0
AGREE 11 22.0
NEUTRAL 22 44.0
DISAGREE 12 24.0
Total 50 100.0

The table reveals that the economic activity more respondent are Neutral
(44%), Agree are (22%), strongly agree are (10%), Disagree are (24%).

5.25 Awareness on banking product and services under PMJDY

a)Zero balance
Particular Frequency Percent
HIGHLY AWARE 28 56.0
SOME WHAT AWARE 6 12.0
AWARE 1 2.0
UNAWARE 9 18.0
HIGHLY UNAWARE 6 12.0
Total 50 100.0

The table shows (56%) are highly aware of zero balance, (12%) are
somewhat aware, (18%) are unaware, and aware are (2%).

20
 b) Access to pension insurance products

Particular Frequency Percent

HIGHLY AWARE 7 14.0
SOME WHAT AWARE 13 26.0
AWARE 4 8.0
UNAWARE 19 38.0
HIGHLY UNAWARE 7 14.0
Total 50 100.0

The table shows (38%) are unaware of Pension and insurance (26%) are
Somewhat aware, (14%) are highly aware, and highly unaware are (14%), and aware
is (8%).

c) Transfer money
particular Frequency Percent
HIGHLY AWARE 9 18.0
SOME WHAT AWARE 11 22.0
AWARE 7 14.0
UNAWARE 18 36.0
HIGHLY UNAWARE 5 10.0
Total 50 100.0

The above shows 36% are unaware of the easy transfer of money
across india, 22% are under somewhat aware, 18% are under highly aware,
14% are aware,10% are highly unaware.

d) Rupay debit card

Particular Frequency Percent
HIGHLY AWARE 8 16.0
SOME WHAT AWARE 6 12.0
AWARE 7 14.0
UNAWARE 16 32.0
HIGHLY UNAWARE 13 26.0
Total 50 100.0

The table shows (32%) are unaware of rupay debit card, (26%) are highly
unaware, and highly aware are (16%),aware is (14%),somewhat aware is (12%).

21
 e) Accidental Insurance

particular Frequency Percent

SOME WHAT AWARE 5 10.0
AWARE 4 8.0
UNAWARE 26 52.0
HIGHLY UNAWARE 15 30.0
Total 50 100.0

The table shows unaware of Accidental insurance (52%) and (30%) are highly
unaware, and somewhat aware are (10%), and aware is (8%).

5.26 Awareness towards Rural Development schemes (Government schemes)

a)National Rural Livelihood Mission

Particular Frequency Percent

HIGHLY AWARE 6 12.0
SOME WHAT AWARE 11 22.0
AWARE 9 18.0
UNAWARE 16 32.0
HIGHLY UNAWARE 8 16.0
Total 50 100.0

The table shows the national livelihood mission are unaware of (32%),
(22%) are somewhat aware, and aware are (18%),highly unaware are (16%) and
highly aware (12%).

b) Employment Guarantee Act

Particular Frequency Percent

HIGHLY AWARE 2 4.0
SOME WHAT AWARE 12 24.0
AWARE 12 24.0
UNAWARE 14 28.0
HIGHLY UNAWARE 10 20.0
Total 50 100.0

The table shows the Employment guarantee are unaware of (28%), (24%)
are aware, and somewhat aware are (24%), (20%) of the respondent are highly
unaware and highly aware are (4%).

22
 c) PRADHAN MANTRI KAUSHAL VIKAS YOJANA

Particular Frequency Percentage

HIGHLY AWARE 2 4.0
SOME WHAT AWARE 11 22.0
AWARE 8 16.0
UNAWARE 20 40.0
HIGHLY UNAWARE 9 18.0
Total 50 100.0

The table shows the Pradhan Mantri Kaushal Vikas yojana are unaware of
(40%), (22%) are somewhat aware, and highly unaware are (18%), (16%) are aware
and (4%) are highly aware.

d) PRADHANMANTHRI AWAS YOJANA

Particular Frequency Percent

HIGHLY AWARE 3 6.0
SOME WHAT AWARE 10 20.0
AWARE 6 12.0
UNAWARE 20 40.0
HIGHLY UNAWARE 11 22.0
Total 50 100.0

The table shows the Pradhan Mantri Kaushal Awas Yojana are unaware of
(40%), (22%) are highly unaware, and somewhat aware are (20%), (12%) are aware,
and (6%) are highly aware .

e) PRIME MINISTER AROGYA YOJANA

Particular Frequency Percent

HIGHLY AWARE 4 8.0
SOME WHAT AWARE 9 18.0
AWARE 10 20.0
UNAWARE 20 40.0
HIGHLY UNAWARE 7 14.0
Total 50 100.0

The table shows the Prime Arogya yojana are unaware of (40%), (20%) are
aware,somewhat aware are (18%), (14%) are unaware.

23
 f) NATIONAL OLD AGE PENSION SCHEME

particular Frequency Percent

HIGHLY AWARE 5 10.0
SOME WHAT AWARE 10 20.0
AWARE 9 18.0
UNAWARE 20 40.0
HIGHLY UNAWARE 6 12.0
Total 50 100.0

The above table shows that the 40% are unaware of the national old age
pension scheme, 20% are somewhat aware e, 18% are aware, 12% are highly
unaware,10% are highly aware of the scheme.

g) NATIONAL WIDOW PENSION SCHEME

Particular Frequency Percent

HIGHLY AWARE 5 10.0
SOME WHAT AWARE 5 10.0
AWARE 16 32.0
UNAWARE 14 28.0
HIGHLY UNAWARE 10 20.0
Total 50 100.0

The above table shows that the 32% are aware of the national widow pension
scheme, 28% are unaware, are highly unaware, 10% are highly aware,10% are some
what aware.

h)NATIONAL FAMILY BENEFITS SCHEME

Particular Frequency Percent

HIGHLY AWARE 10 20.0

24
 SOME WHAT AWARE 8 16.0
AWARE 9 18.0
UNAWARE 18 36.0
HIGHLY UNAWARE 5 10.0
Total 50 100.0

The above table shows that the 36% are unaware of the national family
benefit scheme, 20% are highly aware , 18% are aware,16% are somewhat
aware,10% are highly aware.

I)Pradhan Mantri Bharatiya Janaushadhi Pariyojana

Particular Frequency Percent

HIGHLY AWARE 4 8.0
SOME WHAT AWARE 11 22.0
AWARE 10 20.0
UNAWARE 17 34.0
HIGHLY UNAWARE 8 16.0
Total 50 100.0

The above table shows that the 34% are unaware of the Pradhan Mantri
Bharatiya Janaushadhi Pariyojana, 22% are somewhat aware , 20% are aware,16%
are highly unaware,8% are highly aware.

5.26 BENEFICIARY OF RURAL DEVELOPMENT SCHEME

Particular Frequency Percent

YES 19 38.0
NO 31 62.0
Total 50 100.0

The table reveals that the not beneficiary of rural development scheme (62%)
has benefited and only (38%) have benefited.

25
 B) Not beneficiary Reason

Particular Frequency Percent

LACK OF OPPORTUNITY 14 28.0
DISINTERESTED 4 8.0
LACK OF AWARENESS 6 12.0
IMPROPER COMMUNICATION 26 52.0
Total 50 100.0

Maximum number of people are not benefited, only few people are benefited
because IMPROPER OF COMMUNICATION (52%), and Disinterested are (8%),
and lack of opportunity are(28%), and lack of awareness Are (12%).

C) Benefited by Rural Development Scheme

Particular Frequency Percent

ALWAYS BENEFITED 1 2.0
SOMETIMES BENEFITED 15 30.0
RARELY BENEFITED 24 48.0
NO BENEFIT 10 20.0
Total 50 100.0

The above table shows that the 48% of the respondents are Rarely
benefited, 30% are sometimes rarely benefited, 20% are no benefited and only (2%)
always benefited .

d) People participation
Particular Frequency Percent
INITIATIVES 10 20.0
CREATING AWARENESS 18 36.0
PROPER COMMUNICATION 13 26.0
THROUGH PUBLICITY 9 18.0
Total 50 100.0

The above table shows that the 36% of the respondents are creating awareness among
people, 26% are proper communication, 20% are initiatives to be taken by officials.

26
 e) Aware of existing rural scheme development
Particular Frequency Percent
HIGHLY INFORMED 1 2.0
SOMETIMES INFORMED 12 24.0
RARELY INFORMED 23 46.0
NOT INFORMED 14 28.0
Total 50 100.0

The above table shows that the 46% are rarely informed, 28% are not
informed, 24% are sometimes informed, 2% are highly informed.

f) NEW DEVELOPMENT SCHEME ARE PROPERLY COMMUNICATED

TO THE LOCAL PEOPLE

Particular Frequency Percent

ALWAYS COMMUNICATED 1 2.0
SOMETIMES COMMUNICATED 11 22.0
RARELY COMMUNICATED 26 52.0
NO COMMUNICATION 12 24.0
Total 50 100.0

The above table shows that the (52%) are rarely communicated
regarding the newly development schemes, (2%) are always communicated, (22%)
are sometimes communicated, (24%) of are no communicated.

g) INTRODUCING NEW AREAS OF RURAL

DEVELOPMENT

Particular Frequency Percent

EDUCATION 5 10.0
AGRICULTURE 8 16.0
IRRIGATION 8 16.0
INFRASTRUCTURE 12 24.0
SOCIAL WELFARE 8 16.0
HEALTH 9 18.0
Total 50 100.0

27
 The above table shows that the (24%) want infrastructure development, (10%)
are education schemes, (16%) are irrigation schemes, (16%) are agricultural schemes,
(18%) are health schemes and (16%) are social welfare.

f) CONVENIENCE Of THE SCHEME OF RURAL

DEVELOPMENT TO PEOPLE

Particular Frequency Percent

VERY LOW 2 4.0
LOW 9 18.0
MODERATE 32 64.0
HIGH 6 12.0
VERY HIGH 1 2.0
Total 50 100.0

The above table shows that the (64%) are moderate, (18%) are high, (4%) are very
high, (12%) of are low and (4%) are very low of the respondents.

5.27 labour welfare schemes

a)ACCIDENTAL DEATH
Particular Frequency Percentage
HIGHLY SATISFIED 41 82.0
SATISFIED 4 8.0
NEUTRAL 5 10.0
DISSATISFIED _ _
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the ( 82%) of the respondents are highly
dissatisfied, ( 10%) of the respondents are neutral, (30%) of the respondents are
neutral.

28
 b)ACCIDENTAL DISABILITY
Particular Frequency Percentage

HIGHLY SATISFIED 5 10.0

SATISFIED 25 50.0
NEUTRAL 16 32.0
DISSATISFIED 4 8.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (50%) of the respondents are Satisfied, (32%)
of the respondents are neutral, (10%) are dissatisfied, (8%) are dissatisfid.

c)NATURAL DEATH ASSISTANCE

Particular Frequency Percentage

HIGHLY SATISFIED 12 24.0

SATISFIED 17 34.0
NEUTRAL 18 36.0
DISSATISFIED 3 6.0
HIGHLY _ _
DISSATISFIED
TOTAL 50 100.0

The above table shows that the (36%) of the respondents are neutral, (34%) of
the respondents are satisfied, (24%) of the respondents are dissatisfied, and (6%) of
the respondents are dissatisfied.

d)FUNERAL EXPENSES ASSISTANCE

Particular Frequency Percentage

HIGHLY SATISFIED 15 30.0
SATISFIED 18 36.0
NEUTRAL 17 34.0
DISSATISFIED _ _
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

29
 The above table shows that the (36%) of the respondents are neutral,
(34%) of the respondents are neutral, (30%) of the respondents are highly
satisfied

Educational schemes

e) GIRL CHILDREN STUDYING 10th

Particular Frequency Percentage The above

HIGHLY SATISFIED 11 22.0 table shows that the
SATISFIED 26 52.0
(52%) of the
NEUTRAL 12 24.0
respondents are
DISSATISFIED 1 2.0
HIGHLY _ _
satisfied , (24%) of
DISSATISFIED
the respondents
TOTAL 50 100.0
are neutral, (22%)
of the respondents are highly satisfied, and (2%) of the respondents are dissatisfied.

F) SON OR DAUGHTER PASSED 10th

Particular Frequency Percentage

HIGHLY SATISFIED 15 30.0
SATISFIED 13 26.0
NEUTRAL 22 44.0
DISSATISFIED _ _
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (44%) of the respondents are neutral, (30%) of
the respondents are highly satisfied, and (26%) of them are satisfied.

g) GIRL CHILDREN STUDYING 11th

30
 Particular Frequency Percentage
HIGHLY SATISFIED 13 26.0

SATISFIED 23 46.0
NEUTRAL 13 26.0
DISSATISFIED 1 2.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (46%) of the respondents are satisfied, (26%)
of the respondents are highly satisfied, (26%) of them are neutral, and (2%) of them
are dissatisfied.

h)GIRL CHILDREN STUDYING 12th

Particular Frequency Percentage

HIGHLY SATISFIED 17 34.0
SATISFIED 16 32.0
NEUTRAL 16 32.0
DISSATISFIED 1 2.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the ( 34%) of the respondents are highly satisfied,
( 32%) of the respondents are satisfied, (32%) of them are neutral, and (2%) of them are
dissatisfied.

i)SON OR DAUGHTER PASSED 12TH

Particular Frequency Percentage
HIGHLY SATISFIED 12 24.0
SATISFIED 17 34.0
NEUTRAL 18 36.0
DISSATISFIED 3 6.0
HIGHLY DISSATISFIED - -
TOTAL 50 100.0

The above table shows that the (36%) of the respondents are neutral, (34%) of the
respondents are satisfied, (24%) of the respondents are dissatisfied, and (6%) of the
respondents are dissatisfied.

31
 j) REGULAR DEGREE COURSE WITH HOSTEL FACILITY
Particular Frequency Percentage

HIGHLY SATISFIED 5 10.0

SATISFIED 25 50.0
NEUTRAL 16 32.0
DISSATISFIED 4 8.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (50%) of the respondents are Satisfied, (32%)
of the respondents are neutral, (10%) are dissatisfied, (8%) are dissatisfied.

K)MARRIAGE ASSISTANCE
Particular Frequency Percentage
HIGHLY SATISFIED 17 34.0
SATISFIED 20 40.0
NEUTRAL 9 18.0

DISSATISFIED 4 8.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (40%) of the respondents are satisfied, (34%)
of the respondents are highly satisfied, (18%) of them are highly dissatisfied, (8%) of
them are dissatisfied.

l)MATERNITY ASSISTANCE MISCARRIAGE

Particular Frequency Percentage

HIGHLY SATISFIED 18 36.0

SATISFIED 17 34.0
NEUTRAL 15 30.0
DISSATISFIED
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (36%) of the respondents are highly satisfied,
(34%) of them are satisfied, (30%) of them are neutral.

32
 m)PENSION
Particular Frequency Percentage
HIGHLY SATISFIED 20 40.0
SATISFIED 19 38.0
NEUTRAL 10 20.0
DISSATISFIED 1 2.0
HIGHLY DISSATISFIED _ _
TOTAL 50 100.0

The above table shows that the (40%) of the respondents are Highly satisfied,
(38%) of the respondents are satisfied, (20%) of the respondents are neutral, and (2%)
of the respondents dissatisfied.

5.28 Online shopping

a)Do you buy product online

Particular Frequency Percentage

YES 15 30.0

NO 35 70.0
TOTAL 50 100.0

The table shows that the only (30%) of the respondents are purchasing
products online, remaining (70%) are not purchasing products online.
b) Online shopping satisfaction
Particular Frequency Percentage

STRONGLY AGREE 6 12.0

AGREE 5 10.0
NEUTRAL 4 8.0
DISAGREE _ _
STRONGLY DISAGREE _ _

OTHERS 35 70.0
TOTAL 50 100.0

The above table shows that the (12%) of the respondents are strongly agree,
(10%) of them are agree, and (8%) are neutral.

33
 c) ONLINE SHOPPING IS HASSLE FREE COMPARED TO TRADITIONAL

SHOPPING
Particular Frequency Percentage

STRONGLY AGREE 6 12.0

AGREE 2 4.0
NEUTRAL 7 14.0
DISAGREE _ _
STRONGLY DISAGREE _ _

OTHERS 35 70.0
TOTAL 50 100.0

The above table shows that the (12%) of the respondents are strongly agree,
(4%) of them are agree, and (14%) are neutral.

d) ONLINE SHOPPING IS COMFORTABLE COMPARED TO TRADITIONAL

SHOPPING
Particular Frequency Percentage
STRONGLY AGREE 7 14.0
AGREE 4 8.0
NEUTRAL 4 8.0
DISAGREE - -
STRONGLY DISAGREE _ _

OTHERS 35 70.0
TOTAL 50 100.0

The above table shows that the (14%) of the respondents are Strongly
agree, (8%) are neutral, and (8%) are strongly disagree.

e)SAVES TIME AND MONEY AS COMPARED TO TRADITIONAL

SHOPPING
Particular Frequency Percentage

STRONGLY AGREE 7 14.0

AGREE 3 6.0
NEUTRAL 5 10.0
DISAGREE - -
STRONGLY DISAGREE _ _
OTHERS 35 70.0
TOTAL 50 100.0

34
 The above table shows that the (10%) of the respondents are neutral, (14 %)
are strongly agree, (6% ) of the respondents are agree.

f) PREFERRED BECAUSE OF 24*7 SHOPPING FACILITY

Particular Frequency Percentage
STRONGLY AGREE 9 18.0

AGREE 4 8.0
NEUTRAL 4 8.0
DISAGREE - -
STRONGLY DISAGREE _ _

OTHERS 35 70.0
TOTAL 50 100.0

The above table shows that the (8%) of the respondents are Agree, (18%) of
the respondents are strongly agree, and (8%) of them are neutral.

5.29 Awareness towards rural innovative projects

a) Latest technology of water irrigation

Particular Frequency Percentage
DRIP IRRIGATION 20 40.0
SPRINKLERS IRRIGATION 15 30.0
DRONE 15 30.0
ANY OTHER SPECIFY - -
TOTAL 50 100.0

The above table shows that the (30%) of the respondents are sprinklers
irrigation, (40%) of the respondents are drip irrigation, (30%) of the respondents are
drone.

35
b) Benefits of KISAN scheme for farmer
Particular Frequency Percentage
HIGHLY AWARE 2 4.0
SOMEWHAT AWARE 12 24.0
AWARE 9 18.0
UNAWARE 14 28.0
HIGHLY UNAWARE 13 26.0
TOTAL 50 100.0

The above table shows that the (18%) of respondents are aware, (24%) of
them are somewhat aware, (4% ) of them are highly aware, (28%) of the respondents
are unaware and (26%) are highly unaware.

c)Aware of KISAN RATH mobile app

Particular Frequency Percentage

AWARE 4 8.0
HIGHLY AWARE - -
SOMEWHAT AWARE 18 36.0
UNAWARE 8 16.0
HIGHLY UNAWARE 20 40.0
TOTAL 50 100.0

The above table shows that the (8%) of respondents are aware, (36%) of
them are some what aware, (16%) of them are unaware, and (40%) of the
respondents are highly unaware.

d) Awareness of subsidy schemes

Particular Frequency Percentage
AWARE 8 16.0
SOMEWHAT AWARE 27 54.0
UNAWARE 15 30.0
HIGHLY UAWARE - -
HIGHLY AWARE - -
TOTAL 50 100.0

The above table shows that the ( 54%) of the respondents are somewhat
aware of the subsidy schemes, (30%) of are unaware, (16%) of them are highly
aware.

36
 e) Need training for farmers
Particular Frequency Percentage
YES 40 80.0
NO 10 20.0
TOTAL 50 100.0

The above table shows that the (80%) of the respondents are Yes to the
modern agricultural technology’s applications,( 20%) of the respondents are No to the
schemes.

f)Advantages and merits of modern technology

Particular Frequency Percentage

INCREASED OUTPUT 6 12.0

INCREASE IN PRODUCTIVITY 38 76.0
NO CHANGE 5 10.0
DECREASE IN OUTPUT 1 2.0
PRODUCTIVITY
OTHERS _ _
TOTAL 50 100.0

The above table shows that the (76%) of the respondents knows the
advantages of use of modern technological applications, (12 %) of them are increased
output, (10%) of them are no change, and (2%) of the respondents decrease of output
productivity.

g) Biogas
Particular Frequency Percentage
HIGHLY AWARE - -
SOMEWHATAWARE 15 30.0
AWARE 7 14.0
UNAWARE 7 14.0
HIGHLY UNAWARE 21 42.0
TOTAL 50 100.0

37
 The above table shows that the (30%) of respondents are somewhat knowing
about the scheme, (14%) of respondents are aware of the scheme, (14%) are unaware,
and (42%) are highly unaware about the scheme.

h) Solar energy setup

Particular Frequency Percentage

HIGHLY AWARE 3 6.0
SOMEWHATAWARE 36 72.0
AWARE 11 22.0
UNAWARE _ _
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table shows that the (72%) of the respondents are highly aware of
the setup, (22%) of respondents are aware of setup, (6%) of the respondents are
aware of the setup.

5.30 Awareness on various schemes offered by Tamilnadu government

a) Chief Minister’s Comprehensive health insurance
Particular Frequency Percentage
HIGHLY AWARE 19 38.0
SOMEWHATAWARE 10 20.0
AWARE 21 42.0
UNAWARE _ _
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The table shows that (42%) of the respondents aware, (38%) percent of the
respondent highly aware, (20%) of the respondent somewhat aware about chief
minister comprehensive health insurance.
b) Illam Thedi Maruthuvam
Particular Frequency Percentage
HIGHLY AWARE 30 60.0
SOMEWHATAWARE 8 16.0
AWARE 12 24.0
UNAWARE _ _
HIGHLY UNAWARE _ _
TOTAL 50 100.0

38
 The table shows that (24%) of the respondent aware, (60%) percent of the
respondent highly aware, (16%) of the respondent somewhat aware about Illam Thedi
Maruthuvam.

c) Maternal Assistance Scheme

Particular Frequency Percentage
HIGHLY AWARE 29 58.0
SOMEWHATAWARE 5 10.0
AWARE 15 30.0
UNAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The table shows that (30%) of the respondent aware, (58%) percent of the
respondent highly aware, (10%) of the respondent somewhat aware and (2%) are
unaware about maternal assistance scheme.

d) Marriage Assistance Scheme

Particular Frequency Percentage
HIGHLY AWARE 30 60.0
SOMEWHATAWARE 5 10.0
AWARE 15 30.0
UNAWARE - -
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The table shows that (30%) of the respondent aware, (60%) percent of the
respondent highly aware, (10%) of the respondent somewhat aware about marriage
assistance scheme.

e) Sewing Machine Supply Scheme

Particular Frequency Percentage
HIGHLY AWARE 30 60.0
SOMEWHATAWARE 8 16.0
AWARE 9 18.0
UNAWARE 3 6.0
HIGHLY UNAWARE _ _

39
 TOTAL 50 100.0

The table shows that (18%) of the respondent aware, (60%) percent of the
respondent highly aware, (16%) of the respondent somewhat aware and (6%) are
unaware about Sewing machine supply scheme.

f)Housing,house construction loan

Particular Frequency Percentage

HIGHLY AWARE 42 84.0

SOMEWHATAWARE 7 14.0
AWARE 1 2.0
UNAWARE _ _
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (84%) of the respondents are highly aware, (14%)
are somewhat aware and (2%) are aware.

g) Jewel loan
Particular Frequency Percentage
HIGHLY AWARE 3 6.0
SOMEWHATAWARE 28 56.0
AWARE 18 36.0
UNAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (56%) of the respondents are somewhat aware,
(36%) are aware, (2%) are highly aware and (2%) of the respondent are unaware.

h) Horticulture
Particular Frequency Percentage
HIGHLY AWARE 7 14.0
SOMEWHATAWARE 19 38.0
AWARE 23 46.0
UNAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

40
 The above table showing (46%) of the respondents are aware, (38%) are
somewhat aware, (14%) are highly aware, and (2%) of the respondent are unaware.

i) Inland Fishing
Particular Frequency Percentage
HIGHLY AWARE 18 36.0
SOMEWHATAWARE 19 38.0
AWARE 13 26.0
UNAWARE _ _
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (38%) of the respondents are somewhat aware,
(36%) are highly aware and (26%) are highly aware.

j) Poultry development maximum amount of loan

Particular Frequency Percentage

HIGHLY AWARE 11 22.0

SOMEWHATAWARE 21 42.0
AWARE 17 34.0
UNAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (42%) of the respondents are somewhat aware,
(34%) are aware and, (22%) are highly aware, and (2%) of the respondents are
unaware.

k) Power Tiller
Particular Frequency Percentage
HIGHLY AWARE 12 24.0
SOMEWHATAWARE 20 40.0
AWARE 17 34.0
NAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (40%) of the respondents are somewhat aware,
(34%) are aware , (24%) of the respondents are Highly aware, and (2%) are unaware.

41
 l)Tractor Purchase
Particular Frequency Percentage

HIGHLY AWARE 15 30.0

SOMEWHATAWARE 18 36.0
AWARE 16 32.0
UNAWARE 1 2.0
HIGHLY UNAWARE _ _
TOTAL 50 100.0

The above table showing (36%) of the respondents are somewhat aware,
(32%) are aware , (30%) are highly aware, and (2%) are unaware.

42