D/B/ Block.

Sr. No.

SCHEDULE
DEMOGRAPHIC PROFILE OF THE RESPONDENTS 1. Gender: (i) Male 2. Age: (i) <20 3. Marital status: (i)Single 4. Type of family: (i)Joint 5. Education: (i) Illiterate (v) Post-graduation (iv) Housewife (viii) Retired 6. Occupation: (i) Employed (ii) Female (ii) 20-30 (iii) 30-40 (ii) Married (ii) Nuclear (ii) Matric (vi) Vocational (iv) 40< (iii) Widow (iii) Extended (iii) Higher education (vii) Other (iii) Labour (vii) Family owned business (vi) Professional (iv) Graduation (iv) Divorce

(ii) Self-employed

(v) Unemployed

SURVEY QUESTIONS 1. Did you take credit? (i) Yes (ii) No (ii) Informal (ii) 10000-20000 (vi) 250000< (ii) 1 month-6 months (vi) 5 years < (ii) Housing/housing repairs (v) 2 years 5 years (iii) 20000-40000

2. Which type of credit source you use? (i)Formal 3. Up to what limit you take credit? (i) < 10000 (iv) 40000-100000 (iii) 6 months- 1year (iii) Education (i) Fully paid (v) 100000-250000 (iv) 1year - 2 years

4. For how long time period did you take credit? (i) < month 5. What is the purpose of taking credit? (iv) Consumption (ii) Half paid (i) Emergencies (v) For marriage

6. Up to what extent you repaid your credit? (iii) More than half (iv) Not paid (ii) No (ii) No (ii) No (ii) No

7. Do you think you fully utilised credit taken by you? (i) Yes 9. Are you aware of the interest rate charged on your loan? (i) Yes

8. Are you aware of the duration and amount of loan you have taken? (i) Yes 10. Are you aware of the consequences of non-repayment of loan? (i) Yes

PERCEIVED SATISFACTION LEVEL FROM DIFFERENT SOURCES OF FINANCE

Agree Sr. Statements No. 1 Adequate information is provided by the creditor 2 Procedures for raising loan are convenient 3 Time taken to access credit is less and reasonable 4 Loan amount received is enough to meet the needs 5 There are multiple loan duration options available 6 Rate of interest charged by the creditor is justified 7 Suitable schemes are available as per needs of the borrower 8 Terms and conditions of the creditor are satisfactory 9 Time taken to get the loan sanctioned is reasonable 10 File charges and other paperwork costs are tolerable 11 Demand for collaterals is enforced by the agency 12 Requirement of guarantee is enforced by the agency 13 Compulsory saving requirements 14 Loan Repayment policy of creditor is liberal 15 Loan utilisation check from the agency is strictly followed 16 Transportation cost to visit the financing agency is affordable 17 I am well aware of the Consequences of non-repayments 18 The creditor gives you due recognition and respect 19 Complaints/problems are well entertained by creditor 20 When you meet the creditors staff their behaviour is friendly and warm Strongly agree Neutral Disagree Strongly Disagree

PERCEIVED LEVEL OF IMPACT ON THE RESPONDENTS AVAILING MICRO CREDIT:

Agree Sr. Statements No. 1 Micro financing has aided in poverty reduction 2 Micro financing has contributed in improvement of income level 3 Micro financing has contributed in improvement of consumption level 4 Micro financing has contributed in improvement of social status 5 Micro financing has enhanced awareness of social issues 6 Micro financing has increased exposure to the outside world 7 Micro financing has helped in building confidence of the borrower 8 Micro financing has contributed in Increasing the decision making power of the user 9 Micro financing has resulted in enhancing recognition in the family Strongly agree Neutral Disagree Strongly Disagree