IMPACT OF FINANCIAL INCLUSION IN AGRICULTURE IN PALAKKAD DISTRICT Place of survey------------------Name---------------------------Gender M/F------------------------A, DEPOSITS 1, whether house hold have a bank

account? Yes No Date-----------------------------Age------------------------------Type of farmer(owner/worker)---------------------

2, which type of account you have? Saving bank account Current account Recurring deposit account FD account

If others (please Specify) --------------------3,Give your major reason for opening of account? For saving money For provide remittance To request a loan To get remittance from farmers debt relief scheme

If others (please specify) ----------------------------

4,Who direct you to open an account? Agriculture officer Bank officials Village panchayath officials Neighbor Friend Relatives

If others (please Specify) ----------------------

5, how frequently use your account for agriculture financing? Do not use Once in a year once in a month once in a quarter once in half year

Use frequently through the year

6, Reason for not having a bank account I have no money/little money Lengthy process no banks in this area no point in cash receive or paid

not important to me

if others (please Specify) --------------------

7, Reason for refusing a bank account No ID Previous bad credit history Had to have a minimum amount worthy If others (please specify)--------------------------8, Are you aware about special agriculture accounts for farmers YES NO agriculture in not trust

9, Do you have any grievances in special agriculture accounts NO If yes Specify? ---------------------------

B BORROWINGS 10, Have your house holds ever borrowed or taken a loan for agriculture purpose? NO If Yes, from where Banks Relatives Friends money lenders If others specify-------------

11,If borrowed from bank which of the following reasons lead to this choice? Low rate of interest Trust worthy lender Was offered /arranged by the banks

if others please specify ------------------12,If borrowed from other sources other than bank which of the following reasons lead to this choice? Being able to borrow relatively small amounts I was available locally I did not need to provide security or guarantees

it is convenient because they come to the door to collect if others (please specify) -------------------------------

It is because I know the lender/collector

13, If loan was availed what difficulties were faced in this process ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------14,In past three years have you been refused a loan or credit Yes No Not asked for any credit

15., Are you worry about getting agriculture debt? Fairly worried not worried not at all worried Not sure

C,OTHER FINANCIAL SERVICES 16,Do you use any other form of financial service or product? No If Yes which one? ----------Insurance Kissan credit card debit card if others specify-----------

17, do you have agriculture insurance? Yes No

18,If it is No what was the reasons for not taking agriculture insurance? Too expensive door now dont bother no need for it if others specify------------------no insurance man coming to

19, Is there any agriculture financial advice centre/credit counseling center in your area? Yes No

20,If yes how did you satisfy its working and the advice it provides? Completely satisfied satisfied just ok unsatisfied completely unsatisfied

21,What do you think that the government local bodies banks Ngo and might need to do to further achieve financial inclusion in agriculture sector -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------