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WEBSITES http://www.grameenbank.org.

http://indiatoday.intoday.in/story/india-poverty-line-html

http://www.swwb.org.

http://www.ilo.org/public/ english/employment/finance/apers/mayoux.htm.

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http://www.tamilnaduwomen.org

http://www.microfinancegateway.com.

http://www.lib.umi.com/dissertations.

http://www.planetfinance.org/

231

Map No.1.1 Tamil Nadu

232

Map No.1.2 Kanchipuram District

233

Map No.1.3 Kanchipuram District Blocks

234

QUESTIONNAIRE

Respected Sir/Madam,

I am V.Neelamagam, Research Scholar from Barathiyar University doing research in the area of Microfinance on Rural Poverty; with Special Reference to Kanchipuram District, Tamil Nadu. This study is purely for academic research purpose, hence I kindly request you to cooperate in this regard. The opinion expressed by you will be kept confidential. Please tick (Ö ) in the appropriate boxes :

PART-A

1. Name of the Taluk :

2. Name of the Village :

3. Name of the SHG :

4. Name of the Respondent :

5. Address :

6. Age :a. 20-30 [ ] b. 31-40 [ ] c. 41-50 [ ] d. >50 [ ]

7. Community :a. SC/ST [ ] b. BC [ ] c. MBC [ ] d. Others [ ]

8. Religion :a. Hindu [ ] b. Christian [ ] c. Muslim [ ] d. Others [ ]

9. Literacy Status :a. Illiterate [ ] b. ESLC [ ] c. SSLC/HSC [ ] d. Others [ ]

10. Type of House :a. Thatched [ ] b Tiled [ ] c. Concrete [ ] d. Others [ ]

11. Occupation :a. Agri-labour [ ] b. House Wife [ ] c. Self Employed [ ] d. Others [ ]

12. Monthly Income :a. <Rs. 5000 [ ] b. Rs.5001 - Rs.10,000 [ ] c. >Rs. 10,000 [ ] d. Nil/NA [ ]

PART-B

13. Type of Family : a. Nuclear [ ] b. Joint [ ]

14. Family Size (Members) : a. Adult: [ ] b. Children: [ ] c. Total: [ ]

235

15. Household Composition :

Sl. No.

Name

Relationship

Sex (M/F)

Marital Status

Age

Education

Occupation

Income Per

Month 1.

2.

3.

4.

5.

6.

7.

PART-C

16. Details of the Household Income:

Sl. No.

Sources Amount in (Rs). (per month)

Before Joining SHG

After Joining SHG

1. (a) Agricultural Income (b) Allied Activities Income 2. (a) Non-Agricultural Income (b) Other Income Total

17. Details of the Household Expenditure:

Sl. No.

Sources

Amount in (Rs). (per month) Before Joining

SHG After Joining

SHG 1. Consumption Expenditure on Food Items 2. Consumption Expenditure on non-food Items 3. Other Sources of Expenditure Total

236

18. Household Savings Details:

Sl. No.

Details of Savings

Amount in (Rs). (per month) Before Joining

SHG After Joining

SHG 1. Bank 2. Domestic 3. Chits 4. Post Office 5. Self Help Group 6. Other Sources of Saving Total

19. Household Assets Details:

Sl. No.

Details of Assets

Value in (Rs). Before Joining

SHG After Joining

SHG 1. Immovable Assets (Land and Properties) 2. Movable Assets (cattle, Goat, Sheep, Cart,

Tractor, Agri- Instruments, Vehicles and etc)

3. Financial Assets (Bank Deposits, LIC, Bank Savings, Postal Savings)

4. Other Sources of Assets Total

20. Household Indebtedness Details:

Sl. No.

Details of Credits

Amount in (Rs). Before Joining

SHG After Joining

SHG 1. From Banks 2. From Domestic Sources 3. From Self Help Groups 4. From Money Lenders 5. From Other Sources Total

21. Household Investment Details:

Sl. No.

Details of Investment

Amount in (Rs). Before Joining

SHG After Joining

SHG 1. Farm Investment 2. Non-Farm Investment 3. Other Sources of Investment Total

237

PART-D

22. Number of years in SHG :a. < 2 years [ ] b. 2-5 years [ ] c. > 5 years [ ]

23. How your SHG Functioning :a. Good [ ] b. Bad [ ]

24. Your SHG maintaining proper Register and Records :a. Yes [ ] b. No [ ] 25. Are you individually or jointly with SHG Members running any Business :a. Yes [ ] b. No [ ]

(i) If Yes, Type of Business :a. Handicrafts [ ] b. Canteen [ ]c. Tea shop [ ] d. Vegetable shop [ ] e. Others [ ]

26. Have you undergone any Training :a. Yes [ ] b. No [ ]

(i) If Yes, Training given by :a. Government [ ] b. NGOs [ ] c. Educational Institutions [ ] d. Others [ ]

27. Micro financing improves your Income :a. Strongly Agree [ ] b. Agree [ ]c. Neutral [ ]

d. Disagree [ ] e. Strongly Disagree [ ] 28. Decision making in the family increased after joining Microfinance? :a. Yes [ ] b. No [ ]

29. Microfinance improves your savings and Circulation of Money :a. Strongly Agree [ ] b. Agree [ ]c. Neutral [ ]

d. Disagree [ ] e. Strongly Disagree [ ] 30. Has any structural improvement in your life/family since joining the SHG? :a. Yes [ ] b. No [ ] 31. Does the SHG concept help to Overcome Poverty :a. Yes [ ] b. No [ ] 32. Reason for Joining the SHG Group:

(SA – Strongly Agree; A – Agree; NDA – Neither Agree nor Disagree; DA – Disagree; SD – Strongly Disagree)

Sl. No. Reasons SA A NDA DA SD 1 Easy to get credit 2 No collateral security 3. Low Interest rate charged 4. Lengthy installment period 5. Socio-economic status 6 Economic independence 7 Able to obtain required amount 8 Emergency purpose 9 Savings 10 To meet Family expenses

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33. Changes after Joining the SHG Group: (HS- Highly Satisfied; S- Satisfied; SWS- Some What Satisfied; DS Dissatisfied;

SDS- Strongly Dissatisfied)

Sl. No.

Purposes HS S SWS DS SDS

1 Improved socio-economic status 2 Increased savings 3. Investment in the business 4. Standard of living 5. Economic independence 6. Growth in business 7. Meet Emergency needs 8 Meet Children’s education expenses 9. Not accessing bank 10 No dependence on money lender 11 Meeting spouse money requirement 12 Consciousness of their rights 13 Not depending on husband’s income 14 Independent source of Income 15 Increased assertiveness 16 Improved Status at home 17 Increased outside exposure 18 Command over one’s own life 19 Growth of family income 20 Bargaining power 21 Improved decision making power 22 Increased intelligence 23 Self confidence 24 Self-esteem 25 Regular income 26 Eradicate the poverty

34. State the Purpose of Getting a Loan from Internal Fund:

(Majority-1, Some-2, None-3)

Sl. No.

Purpose Code No.

1 To Invest in the Business 2 To Educate the Children 3. To Meet the Family Expenses 4. To Repay Money Borrowed from Outsiders 5. To Repay the Bank Loan 6. To Manage the Emergency 7 Others

239

35. Rank your opinion on the Role of Self Help Group (Rank 1-7)

Sl. No. Opinion Rank 1 Increase status in Society 2 Increase Income 3. Increase Awareness of Health & Family Welfare 4. Increases Self Confidence 5. Increases Unity 6 Creates Employment 7 Helps Governments

36. Overall Appraisal of Microfinance/Self Help Group:

(SA – Strongly Agree; A – Agree; NDA – Neither Agree nor Disagree; DA – Disagree; SD – Strongly Disagree)

Sl. No.

Statements SA A NDA DA SD

1 I am satisfied with the performance of Self Help Group 2 I found overall service of SHG is Outstanding 3. Microfinance changed my Life Style 4. Microfinance developed me to Economically Sound 5. Microfinance remove my Poverty 6. Microfinance leads to Rural Development 7. Microfinance and Self Help Groups performance in entire

District is Satisfactory

8. Microfinance Developed the District Economically Strong

37. Discuss the problems faced by Self Help Groups:

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38. Give your suggestions to improve Microfinance/ Self Help Groups: -------------------------------------------------------------------------------------------------------

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/// Thanking You ///