Awareness and Adoption of Government Loan Schemes by Urban and Rural People

Asian Resonance (P: ISSN No. 0976-8602 RNI No.UPENG/2012/42622 VOL.-7, ISSUE-2, April-2018 E: ISSN No. 2349-9443)

Abstract


 Ekta Kapri 

Ex M.Sc. Student Deptt.of FRM, COHS, CCSHAU, Hisar, Haryana, India


Binoo Sehgal

 Professor, Deptt.of FRM, COHS, CCSHAU, Hisar, Haryana, India


Manju Dahiya

 Professor, Deptt.of EECM, COHS, CCSHAU, Hisar, Haryana, India

Central government announced some loan schemes for weaker section and low income groups. The present study was conducted in Hisar district of Haryana state with the objective to find out knowledge and adoption/use of government loan schemes by rural and urban people. Two villages i.e. Dabra and Devan from two different blocks and two urban localities from two different wards were randomly selected. Fifty rural respondents from the two blocks (25 from each village) and 50 urban respondents from the two wards (25 from each urban locality) were randomly selected. Thus, the total number of respondents was 100. An interview schedule was developed for the collection of data. The results show that maximum number of respondents (62%) belonged to middle age group, were educated up to 10+2 (42%), respondents’ main occupation was service (41%), 71 per cent respondents were having accounts in banks and 29 per cent were having accounts in both banks and post office. 68 per cent of rural and 58 per cent of urban respondents adopted at least one government loan scheme while 32 per cent of rural and 42 per cent of urban respondents did not adopt any loan scheme. In total, 75 loan schemes were adopted by 34 (68%) rural respondents while only 57 total loan schemes were adopted by 29 (58%) urban respondents. Amongst schemes, 90 per cent respondents were aware about Kisan Credit Card but only 64 per cent of the respondents adopted it followed by awareness about Personal loan and Home loan (78%). Major source of information about government loan schemes was television followed by newspaper. Cent percent respondents were aware that government loan schemes were offered by State Bank of India. Thus it can be concluded that urban and rural people both were quite aware about government loan schemes but were not availing/ adopting these too much. There was still need that knowledge about these loan schemes should be disseminated more to rural and urban masses so that more people should adopt them and be benefitted from these useful schemes.

for full paper please visit below link :

http://www.socialresearchfoundation.com/upoadreserchpapers/1/212/1907100721131st%20binoo%20sehgal.pdf


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