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Perceptions on Banking Service in Rural India: An Empirical Study

机译：对印度农村地区银行服务的认识：一项实证研究

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摘要

The purpose of this paper is to assess the level of banking penetration in a sample village and to find the relationship between bank accounts and related factors, such as, occupation, income and asset-holding status. The findings indicate that 75.2 per cent of the respondents have bank accounts and 26.7 per cent of the respondents avail credit facilities. Two-thirds of the respondents have inclination to avail credit facilities for dairy and for other business activities. Using chi square analysis,significant relationships were established between bank account and relevant factors, such as, occupation, income and asset-holding pattern. While using logistic regression, we find that having a bank account has a significant correlation with income. The findings provide practical implications for bankers in terms of providing banking services in rural areas. The existing gap in credit facilities offers manifold opportunities to bankers for providing various credit facilities. Since the findings indicate that majority of the respondents show an inclination for availing credit for dairy activities, suggestions are offered for tapping potential customers. The article offers not only valuable suggestions to bankers and academicians but also to the government and policy bodies for designing and monitoring financial inclusion targets.
机译：本文的目的是评估一个样本村的银行渗透水平，并找出银行账户与相关因素（例如职业，收入和资产持有状况）之间的关系。调查结果表明，75.2％的受访者拥有银行帐户，26.7％的受访者使用信贷服务。三分之二的受访者倾向于将信贷额度用于乳制品和其他商业活动。通过卡方分析，建立了银行账户与占用，收入和资产持有方式等相关因素的显着关系。在使用逻辑回归时，我们发现拥有银行帐户与收入有着显着的相关性。这些发现对银行家在农村地区提供银行服务方面具有实际意义。信贷额度方面的现有缺口为银行家提供各种信贷额​​度提供了多种机会。由于调查结果表明大多数受访者表示愿意为乳制品活动提供信贷，因此提出了挖掘潜​​在客户的建议。本文不仅为银行家和院士提供了有价值的建议，而且为政府和政策机构设计和监控金融普惠目标提供了宝贵的建议。

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