Customer Satisfaction towards Financial Inclusion: A Case Study of Rural Cooperative Banks in Belgaum District

2016 ◽  
Vol 3 (1) ◽  
Author(s):  
Praveen A. Korbu
Keyword(s):  
Customer Satisfaction ◽  
Rural Areas ◽  
Financial Inclusion ◽  
Bank Account ◽  
Banking Services ◽  
Level Of Satisfaction ◽  
Gender Education ◽  
Cooperative Banks

Co-operative banks are playing an important role in the achievement of the goal of financial inclusion. These banks with their extensive branch network and localized operational base, also engage in recreation of the development process, credit delivery and deposits mobilization in rural areas. Through their variety of services, they are reaching vulnerable sections of the society. In this paper, an attempt has been made to study the customer satisfaction towards financial inclusion by rural co-operative banks. The sample units constitute 100 cooperative banks (registered under the KCS Act, 1956) and 300 Customers from three regions (i.e. Belagavi, Chikkodi, Bailhongal headed by ARCS) of Belgaum District selected randomly. The study focuses on the classification of customers on the basis of age, gender, education, occupation, annual income and type of accounts they hold. This research finds reasons for not possessing a bank account, level of awareness of customers towards banking services, factors determining satisfaction of their bank, and the level of satisfaction of customers towards banking services. The study concludes with suitable suggestions to improve the customer satisfaction.

scholarly journals Using Neural Networks in Order to Analyze Telework Adaptability across the European Union Countries: A Case Study of the Most Relevant Scenarios to Occur in Romania

2021 ◽  
Vol 18 (20) ◽  
pp. 10586
Author(s):  
Ana Maria Mihaela Iordache ◽  
Codruța Cornelia Dura ◽  
Cristina Coculescu ◽  
Claudia Isac ◽  
Ana Preda
Keyword(s):  
European Union ◽  
The European Union ◽  
Working From Home ◽  
Level Of Satisfaction ◽  
Final Layer ◽  
Degree Of Satisfaction ◽  
Input Variables

Our study addresses the issue of telework adoption by countries in the European Union and draws up a few feasible scenarios aimed at improving telework’s degree of adaptability in Romania. We employed the dataset from the 2020 Eurofound survey on Living, Working and COVID-19 (Round 2) in order to extract ten relevant determinants of teleworking on the basis of 24,123 valid answers provided by respondents aged 18 and over: the availability of work equipment; the degree of satisfaction with the experience of working from home; the risks related to potential contamination with SARS-CoV-2 virus; the employees’ openness to adhering to working-from-home patterns; the possibility of maintaining work–life balance objectives while teleworking; the level of satisfaction on the amount and the quality of work submitted, etc. Our methodology entailed the employment of SAS Enterprise Guide software to perform a cluster analysis resulting in a preliminary classification of the EU countries with respect to the degree that they have been able to adapt to telework. Further on, in order to refine this taxonomy, a multilayer perceptron neural network with ten input variables in the initial layer, six neurons in the intermediate layer, and three neurons in the final layer was successfully trained. The results of our research demonstrate the existence of significant disparities in terms of telework adaptability, such as: low to moderate levels of adaptability (detected in countries such as Greece, Croatia, Portugal, Spain, Lithuania, Latvia, Poland, Italy); fair levels of adaptability (encountered in France, Slovakia, the Czech Republic, Hungary, Slovenia, or Romania); and high levels of adaptability (exhibited by intensely digitalized economies such Denmark, Sweden, Finland, Germany, Ireland, the Netherlands, Belgium, etc.).

scholarly journals Demographic Determinants of Access to Bank Credit

2020 ◽  
Vol 8 (5) ◽  
pp. 3272-3275
Keyword(s):  
Rural Areas ◽  
Banking Sector ◽  
Financial Inclusion ◽  
Bank Credit ◽  
Urban District ◽  
General Belief ◽  
Policy Makers ◽  
Access To Credit ◽  
Study Results ◽  
Gender Education

The main objective of the paper is to study the determinants of access to bank credit, an important dimension of Financial Inclusion in India. For this purpose we studied if access to bank credit depends on district, gender, education and literacy. The data was collected from Jogulamba with lower literacy rate and Ranga Reddy a semi urban district in the Telangana. A semi structured questionnaire was prepared for the data collection. Regression analysis has been used to analyze the data for the study. Results show that access to credit for districts is significant which is contrary to general belief that in rural areas the credit from banking sector is less. Education is also significant and positive which implies that educated people prefer credit from banks compared to uneducated. This has important implication for policy makers to focus more on education and Financial Inclusion will follow.

scholarly journals Klasifikasi Atribut Pelayanan Mobile Banking dengan Kano Model Berdasarkan Dimensi E-Servqual

2018 ◽  
Vol 2 (2) ◽  
pp. 77
Author(s):  
Imam Safi'i
Keyword(s):  
Customer Satisfaction ◽  
Mobile Banking ◽  
Kano Model ◽  
Banking Services ◽  
One Dimensional ◽  
Model Method ◽  
Dimensional Classification ◽  
Fast Application

This study aims to determine the classification of mobile banking services that improve customer satisfaction based on the dimensions of E-Servqual using the Kano Model method. The classification is needed so that the banks were able to make improvements and innovations in the performance of the quality of their mobile banking services. From the results of data processing using Kano, it is known that the service attributes that need to be improved are the m-banking facility, which features a cash withdrawal service via ATM. This will have a major impact on customer satisfaction because these attributes have the highest satisfaction coefficient value of 0.67 in one-dimensional classification. Furthermore, service attributes that need to be improved and innovated are m-banking has a fast application reactivation service with a satisfaction coefficient of 0.61 in the attractive classification

scholarly journals Visual Capacity Assessment of the Open Landscape in Terms of Protection and Shaping: Case Study of a Village in Poland

2020 ◽  
Vol 12 (16) ◽  
pp. 6319
Author(s):  
Anna Górka
Keyword(s):  
Rural Areas ◽  
Cultural Landscapes ◽  
Residential Development ◽  
Design Decisions ◽  
Planning And Design ◽  
Character Assessment ◽  
Landscape Character ◽  
The Village

This article describes the methodology and results of research on landscape visual capacity. The aim of the project was to develop a tool that would support planning and design decisions at the level of communal management in rural areas in Poland through systematic application of visual criteria. Their importance in the protection, management and shaping of space is underlined by the document produced at the European Landscape Convention of 2000 (ELC). To date, ELC recommendations have not been fully implemented in Poland. The author of the study used the methods of the Krakow School of Landscape Architecture in assessing cultural landscapes and referred to the assumptions of the British Landscape Character Assessment (LCA). The analysis was based on the results of a landscape identification conducted in a part of the Cekcyn commune. The assessment of visual capacity was conducted for the village of Nowy Sumin, located in that commune. The effect of the study is the classification of open landscapes with respect to the assessment of visual changes resulting from potential residential development. The results obtained prompt the conclusion that the applied method can effectively support local spatial planning as it takes national conditions into account.

Classification of Rural Areas by Typology : A Case Study of Yunlin & Chiayi, Taiwan

2020 ◽  
Author(s):  
Hsin Yang ◽  
Hsueh-Sheng Chang
Keyword(s):  
Rural Areas ◽  
Urban Areas ◽  
Spatial Planning ◽  
Economic Structure ◽  
Space Structure ◽  
Overlay Analysis ◽  
The Past ◽  
The Relationship

<p>In the past, Taiwan's spatial planning has focused on the development of urban areas and overlooked rural areas, which has led to difficulty in promoting rural-urban relationships. This study suggests that rural areas should not just be seen as single entities, but as a collection of distinct areas. Since it is becoming important to develop a new spatial planning in Taiwan, this study examines territorial space structure from a regional perspective, with a focus on the development of the rural areas of Yunlin & Chiayi. Consequently, this study aims to classify rural areas by the procedure of typology, in terms of their development dynamics, location, and economic structure, selecting appropriate indicators for each focus of inquiry. The study then uses cluster analysis, accessibility analysis and overlay analysis methods to classify information about these rural areas. This approach will show the differences in their spatial characteristics along with their histories of development through time, as well as the relationship between these rural areas and the overall region in which they are situated. It is hoped that this research will provide a more accurate description than currently exists of the rural areas studied in this paper, and that this information will be a useful resource to those who are developing new plans and policies, so that better integration can occur between urban and rural in Taiwan.</p>

scholarly journals FINANCIAL INCLUSION THROUGH REGIONAL RURAL BANKS AND EMPOWERMENT OF WEAKER SECTIONS – A STUDY IN TUMKUR DISTRICT

2021 ◽  
pp. 81-84
Author(s):  
Thirumalesha Babu T R
Keyword(s):  
Rural Areas ◽  
Rural Economy ◽  
Economic Condition ◽  
Financial Inclusion ◽  
New Paradigm ◽  
Banking Services ◽  
Disadvantaged People

The issue of financial inclusion is emerging as the new paradigm of economic growth.Financial inclusion plays a major role in driving a way the poverty from the country. Financial inclusion refers to delivery banking services to masses including privileged and disadvantaged people at an affordable terms and conditions. It not only enhances overall financial intensity of agriculture but also help in increasing rural nonfarm activities which lead to development of rural economy and improve economic condition of people.Regional Rural Banks are also entered to strengthen the financial inclusion network in rural areas.

scholarly journals FINANCIAL INCLUSION: A PRELUDE TO ECONOMIC STATUS OF VULNERABLE GROUP

2016 ◽  
Vol 4 (12) ◽  
pp. 147-154
Author(s):  
Mukesh Kumar Sharma
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Financial Services ◽  
Financial Stability ◽  
Financial Inclusion ◽  
Current Status ◽  
Easy Access ◽  
Resource Base ◽  
Banking Services ◽  
The Government

India is a country where a sizeable amount of population lives in rural areas. They are engaged in agriculture and allied activities. Most of the people living in rural areas are poor. They do not have any access to the banks. The awareness and access of the poor to the banking services is important for the alleviation of the poverty. Their access to the banking services will contribute a lot to the growth and development of our country’s economy. Financial inclusion is a great weapon to overcome the financial backwardness as well as the establishment of good governance.It broadens the resource base of the financial system by developing a culture of savings among large segment of rural population, disadvantaged group and plays an essential role in the process of economic development. The Government of India and the Reserve Bank of India (RBI) have been making concentrated efforts periodically to overcome such vicious problems by promoting Financial Inclusion, being one of the important national objectives of the country. Since first phase of nationalization (1969) GoI continuously promoting financial inclusion through self-help groups, no frills account, simplification of KYC, Business correspondents etc., but no palpable effect could be seen in the plight of these financially vulnerable people. To mitigate this long drawn financial sufferings, Prime Minister Narendra Modi announced a new scheme in his Independence Day speech on 15th Aug 2014 called Pradhan Mantri Jan DhanYojana (PMJDY). Mission of PMJDY is to ensure easy access of financial services for the excluded section i.e. weaker section and the low income group. This effort will certainly go a long way in promoting economic growth and reducing poverty, while mitigating systematic risk and maintaining financial stability. This article focuses on the RBI, GoI initiatives, current status and future prospects of financial inclusion in India on the basis of facts and data provided by various secondary sources. It is concluded that financial inclusion shows positive and valuable changes.

scholarly journals Financial Inclusion of Farmers: A Case Study of Dhenkanal District of Odisha, India

2020 ◽  
pp. 46-53
Author(s):  
Sharda Priyadarshini ◽  
P. K. Singh ◽  
O. P. Singh ◽  
Yash Gautam
Keyword(s):  
Sampling Technique ◽  
Financial Inclusion ◽  
Statistical Tool ◽  
Banking Services ◽  
Economic Progress ◽  
Financial Exclusion ◽  
Multistage Sampling ◽  
Ranking Technique ◽  
Present Life

Finance is essential for both economic growth and development of the country. Lack of access to finance for small, marginal farmers and weaker sections of the society has been recognized as a serious threat to economic progress especially in developing countries like India. Moreover, prolonged and persistent deprivation of banking services to a large segment of the population causing financial exclusion which leads to a decline in investment hindering economic development of the country. Thus, the need for inclusive growth comes in the picture of economic and social development of the society. The study was aimed at analysing the extent of financial inclusion among the farmers, a way to include the weaker and vulnerable section of society in the inclusive financial system which will make their present life better and secure with future plans. A multistage sampling technique was adopted in selecting one hundred farmers. Data were collected using survey schedule administered by the researcher. Descriptive statistical tools such as Garret’s ranking technique and inferential statistical tool such as multiple regression analysis were employed to analyse the data.

scholarly journals Increasing Digital Banking Adoption and Usage Trends in India and its Impact on Financial Inclusion

2019 ◽  
Vol 8 (4) ◽  
pp. 7085-7093
Keyword(s):  
Rural Areas ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Banking Services ◽  
Disruptive Technologies ◽  
Savings Accounts ◽  
Recent Trends ◽  
Increasing Trends ◽  
Debit Cards

Financial Inclusion in India is growing with adaptation of increasing Digital Banking Trends with more Fintech players entering into the market. With more disruptive technologies and intervention with help of internet and mobile banking, adaptation and usage of electronic banking in rural and semi rural areas is also reflecting increasing trends. This reflects that more households are provided with affordable banking services including savings accounts, loans, pension and Rupay Debit Cards for the day to day retail transactions. This paper focuses on recent trends of digitalisation and analyzes the sustainability impact on increased and advanced Financial Inclusion in India.

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