Table No. 6 Table showing the factors that influenced the respondents to borrow the loans. Sl. No.

1. 2. 3. 4. Total Factors No. of Percentage (%) 32 12 40 16 100

respondents Loan amount 16 Purpose Interest rate Repayment period 50 6 20 8

Interpretation: Out of 50 respondents 16 belongs to loan amount, 6 belongs to purpose, 20 belongs to interest rate and 8 belongs to repayment period.

Conclusion: Majority of the respondents are influenced by the interest rate factor, secondly by the factor of loan amount and least influenced by repayment factor.

Graph No. 6 Graph showing the factors that influenced the respondents to borrow the loans.

Factors

16% 32%

Loan amount Purpose Interest rate

40%

12%

Repayment period

Table No. 7 Table showing repayment period preferences. Sl. No. 1. 2. 3. 4. Total Repayment Period Less year 1-5 years 5-10 years Above years 50 100 15 20 10 10 30 40 20 than No. 1 5 of Percentage (%) 10 respondents

Interpretation: Out of 50 respondents 5 respondents comes under less than one year, 15 respondents comes under one to five year, 20 respondents comes under five to ten years and 10 respondents comes under above ten years. Conclusion: From the graph you can say the majority of the 5-10 years, because it respondents would like to repay the loan from is suitable for all levels of customers. Graph No. 7 Graph showing repayment period preferences.

Repayment Period

40% 35% 30% 25% 30%

40%

Less than 1 year

20% 20% 15% 10% 5% 0% Less than 1 year 1-5 years 5-10 years Above 10 years 10%

1-5 years

5-10 years

Above 10 years

Table No. 8 Table showing respondents choice from among the following agricultural loans. Sl. No. 1. 2. Agricultural Loans Drip irrigation Scheme purchase of land for Agr. Purpose 3. 4. Farm Mechanisation Swarna Scheme 5. Kisan Credit Card 5 Scheme Total 50 100 10 Mitra 7 14 12 24 No. 17 for 9 of Percentage (%) 34 18 respondents

Interpretation: In the above table out of 50 respondents 17 respondents comes under drip irrigation, 9 respondents comes under scheme for purchase of land for agricultural purpose, 12 respondents comes under farm mechanization, 7 respondents comes under Swarna mitra scheme and 5 respondents comes under Kisan credit card scheme.

Conclusion: Among the five popular agricultural loans majority of the respondents would prefer in borrowing drip irrigation loan, secondly for farm mechanization loans and minority in borrowing Kisan credit card loan. Graph No. 8 Graph showing respondents choice from among the following agricultural loans.
35% 30% 25% 20% 15% 10% 5% 0% Drip irrigation Scheme for purchase of land for Agr. Purpose Farm Mechanisation Swarna Mitra Scheme Kisan Credit Card Scheme 18% 14% 10% 24% 34%

Agricultural Loans

Table No. 9 Table showing respondents preference in borrowing the below listed personal loans. Sl. No. 1. 2. Personal Loans Car loan Gnanamitra education No. 9 12 of Percentage (%) 18 24 respondents

loan 3. 4. 5. Housing loan Personal loan My Adyapak Total Interpretation: 50 100 10 14 20 28 10

Bank 5

In the above analysis out of 50 respondents 9

respondents comes under car loan, 12 respondents comes under gnanamitra loan, 10 respondents comes under housing loan, 14 respondents comes under personal loan and 5 respondents comes under my bank adyapak loan. Conclusion: Most of the respondents would like to borrow personal loan from the other five popular personal loans and secondly they give more preference in borrowing gnanamitra education loan. Graph No. 9 Graph showing respondents preference in borrowing the below listed personal loans.

30% 25% 20% 15% 10% 5% 0% 24% 18% 20%

28%

10%

Table No. 10 Table showing respondents choice in borrowing the following micro & small enterprises loans. Sl. No. 1. 2. 3. 4. 5. Total Micro & Small No. 8 of Percentage (%) 16 32 18 12 22 100 Enterprises Loans Annapurna Scheme Stree package Loans to MSEs Transport Operators Loans Traders 50 to Retail 11 9 6 Shakthi 16 respondents

Interpretation: By seeing the above table out of 50 respondents 32% of the respondents prefer harmu roadloan, 22% of respondents in loans to retail traders, 18% of respondents in loans to MSEs, 16% of respondents in Annapurna loan and 12% of respondents in transport operators. Conclusion: After having a look over the above graph you are able to say that most part of the respondents are interested in borrowing harmu roadloan. Graph No. 10 Graph showing respondents choice in borrowing the following micro & small enterprises loans.

Micro & Small Enterprises Loans

22%

16% Annapurna Scheme

12% 32% 18%

Stree Shakthi package Loans to MSEs Transport Operators Loans to Retail Traders

Table No. 11 Table showing which loan does the respondents like to obtain from the below listed commercial & institutional loans. Sl. No. 1. 2. 3. 4. Total Commercial Institutional Loans SBM Plus Scheme traders Handy loans SBM Plus 50 100 20 40 14 for 13 26 School 10 20 & No. of Percentage (%) respondents

Paryatan 7

Interpretation: Among 50 respondents 20 respondents comes under handy loan, 10 respondents comes under SBM school plus, 13 respondents comes under scheme for traders and 7 respondents comes under SBM paryatan plus. Conclusion: 40% of the respondents are interested in handy loan scheme and other schemes have considerable interests. So majority of respondents like handy loan.

Graph No. 11 Graph showing which loan does the respondents like to obtain from the below listed commercial & institutional loans.

Commercial & Institutional Loans

14%

20%

SBM School Plus Scheme for traders Handy loans

40%

26%

SBM Paryatan Plus

Table No. 12 Table showing the level of satisfaction towards loans and advances. Sl. No. Satisfaction 1. 2. 3. 4. Total Highly satisfied Satisfied Considerably satisfied Not satisfied 2 50 4 100 No. 6 32 10 of Percentage (%) 12 64 20 respondents

Interpretation: Out of 50 respondents 6 respondents are highly satisfied, 32 respondents are satisfied, 10 respondents are considerably satisfied and only 2 respondents are not satisfied with the loans and advances. Conclusion: From the graph you can say majority of the respondents are satisfied with the loans and only a few respondents are not satisfied. Graph No. 12 Graph showing the level of satisfaction towards loans and advances.

Satisfaction

20%

4%

12% Highly satisfied Satisfied Considerably satisfied 64% Not satisfied

Table No. 13 Table showing the expectations of the borroyours from loans. Sl. No. Expectations 1. 2. 3. 4. Total Low rate No. of 24 16 of Percentage (%) 48 32 10 10 100 respondents interest More amount period Subsidy 5 50

Long repayment 5

Interpretation: Out of 50 respondents 48% of respondents comes under low rate of interest, 32% under more amount, 10% under long repayment period and 10% under subsidy. Conclusion: From the the loans. Graph No. 13 Graph showing the expectations of the borroyours from loans. analysis one can say that majority of the

respondents expect low rate of interest and also more amount from

Expectations

10% 10% Low rate of interest More amount Long repayment period 32% Subsidy

48%