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Lal, Tarsem
- Empirically Testing Income-Wise Perception of Different Beneficiaries Regarding Access to Financial Services through Cooperative Banks
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Authors
Affiliations
1 P.G. Dept. of Commerce, University of Jammu, Jammu, IN
1 P.G. Dept. of Commerce, University of Jammu, Jammu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 5, No 1 (2017), Pagination: 10-17Abstract
The present study aims at empirically testing the perception of different respondents belonging to various income groups, regarding the access to financial services through cooperative banks. In order to fulfil the objectives of the study, both primary and secondary data are collected. The primary data are collected personally from beneficiaries of cooperative banks covered under financial inclusion drive of RBI operating in Jammu region and beneficiaries of cooperative banks operating in neighbouring tehsils of Himachal&Punjab. The responses are collected using a self-developed schedule sub-divided into socio-economic variables and specific information regarding access to financial services. The findings of the study, reveals that there exists significant difference between the perception of beneficiaries belonging to different income groups regarding the access to financial services through cooperative banks.Keywords
Income, Data, Financial Services, Cooperative Banks, Access, Perception, Financial Inclusion, RBI.
References
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- Perception of Rural Households Towards Availability of Cooperative Banking Services in Northern States of India
Abstract Views :225 |
PDF Views:0
Authors
Affiliations
1 Department of Commerce, University of Jammu, IN
1 Department of Commerce, University of Jammu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 7, No 2 (2019), Pagination: 20-33Abstract
Purpose: The purpose of this paper is to measure the perception of rural households towards the availability of cooperative banking services.
Design/methodology/approach: To accomplish the objectives of the study, the primary data were collected from 237 beneficiaries of cooperatives banks functioning in three northern states of India, i.e., J&K, Himachal Pradesh, and Punjab using purposive sampling. The data were collected during the month January to July 2017. Statistical techniques like EFA, CFA and One-way ANOVA were applied for scale validation and data analysis.
Findings: The results of the study revealed that beneficiaries with different demographic profiles differ significantly in their perceptions with regard to availability of banking services in northern states of India.
Originality/Value: The study makes contribution towards financial inclusion literature and fulfils the research gap to some extent by analysing the perception of rural households towards the availability of banking services in northern states of India. The present study can also provide guiding principles to policymakers and other stakeholders of cooperative banks to formulate tactical policies which can helps them in providing pecuniary services to rural and urban households equally at the national and intercontinental level.
Keywords
Cooperatives, Financial Services, Perception, CFA, One-Way ANOVA.References
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