Departmental Activities

Activities of Department of Commerce

Title	Details
Title: Departmental Research Project
Start Date: 2021-02-15 End Date: 2021-07-31 Duration: 165 days
Nature of the Activity: Research Project
Summary: <div>Departmental Research Project on Financial Inclusion among Rural Households of Teok Revenue Circle with special reference to Hanchara Bailung Gaon: An Empirical Survey</div><div> <p class="MsoNormal" style="text-align:center;line-height:200%" align="center"><i style="mso-bidi-font-style:normal"><span style="font-size:16.0pt;line-height: 200%">Executive Summary</span></i><span style="font-size:18.0pt;line-height: 200%;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"></span></p> <table class="MsoTableGrid" style="border-collapse:collapse;border:none;mso-border-alt:solid black .5pt; mso-border-themecolor:text1;mso-yfti-tbllook:1184;mso-padding-alt:0in 5.4pt 0in 5.4pt" cellspacing="0" cellpadding="0" border="1"> <tbody><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes"> <td style="width:113.4pt;border:solid black 1.0pt; mso-border-themecolor:text1;mso-border-alt:solid black .5pt;mso-border-themecolor: text1;padding:0in 5.4pt 0in 5.4pt" width="151" valign="top"> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: 200%"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; line-height:200%;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Title of the project:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: 200%"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; line-height:200%;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Funded by:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: 200%"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; line-height:200%;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: 200%"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; line-height:200%;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Significance of the Study:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">Objectives of the Study:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">Methodology Used:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Analysis and Interpretation of Data on the Basis of the Questionnaire Results:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman"; color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt; font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">Hypothesis:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal"><b><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade: 128">Major <span style="mso-spacerun:yes"> </span>Findins:</span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><b><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></b></p> <p class="MsoListParagraph" style="margin-left:0in;mso-add-space:auto; text-align:justify;text-indent:0in;line-height:normal"><b><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Suggestions and </span></b><b style="mso-bidi-font-weight:normal"><span style="color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">Conclusion:</span></b><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor: accent3;mso-themeshade:128"></span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal" align="center"><i style="mso-bidi-font-style:normal"><span style="font-size:16.0pt"> </span></i></p> </td> <td style="width:365.4pt;border:solid black 1.0pt; mso-border-themecolor:text1;border-left:none;mso-border-left-alt:solid black .5pt; mso-border-left-themecolor:text1;mso-border-alt:solid black .5pt;mso-border-themecolor: text1;padding:0in 5.4pt 0in 5.4pt" width="487" valign="top"> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;color:#4F6228;mso-themecolor:accent3;mso-themeshade: 128">Financial Inclusion among Rural Households of Teok Revenue Circle with </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;color:#4F6228;mso-themecolor:accent3;mso-themeshade: 128">special reference to Hanchara Bilung Gaon:An Empirical Survey</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:10.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:10.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Principal,C.K.B.College,Teok, with the Seed Money during the Plan Period 2020-21</span><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"></span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">        </span></span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes"> </span>The study on financial inclusion is extremely momentous for the society because outcomes of financial exclusion have quite a negative impact on the economic development of a country. People who are unable to obtain services from mainstream financial service providers are thus regarded as the financially excluded, not only because there are no branches of the bank or other financial institution in their community, but also they are excluded or unable to use services offered bydifferent financial institutions. </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:"Times New Roman";color:#4F6228;mso-themecolor: accent3;mso-themeshade:128"><span style="mso-spacerun:yes">         </span>The findings of the present work significantly leads to address the present situation prevailing in the area under study and thereby pave the way to take corrective actions.</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:"Times New Roman";color:#4F6228;mso-themecolor: accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">The objectives of the study are:</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">● To study the status of financial inclusion among sample households</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes"> </span>● To examine the awareness level of financial products and services among the sample households</span><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">. </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">       </span></span></i><i style="mso-bidi-font-style: normal"><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">The paper also aims to analyze some of the past research evidence on the effects associated with the introduction of </span></i><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">Pradhan Mantri Jan Dhan Yojna (PMJDY) </span></i><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;color:#4F6228;mso-themecolor: accent3;mso-themeshade:128">and seeks to evaluate the state of introduction of similar financial inclusion process in Indian.</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;mso-bidi-font-size:11.0pt;color:#4F6228;mso-themecolor: accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">       </span>The study based on both primary and secondary data. The primary data have been collected through well designed questionnaire format.96 households have been selected as sample for this study as the universe is 380 representing 25% sample size of the population.</span></i><span style="font-size:12.0pt;font-family:"Times New Roman","serif""> <i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor: accent3;mso-themeshade:128">The secondary data have been collected through books, reputed journals, government publications in both print and electronic media and websites etc.</span></i></span></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">       </span>As indicated in the objective the purpose of the study is to provide </span></i><i style="mso-bidi-font-style: normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">the status of financial inclusion and to examine the awareness level of financial products and services among the sample households,</span></i><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> accordingly simple average method is used to testify majority of the questionnaire results keeping in mind the structure of the questions. Moreover, chi-square test as a powerful non parametric statistical tool is used to testify the views of the respondents in order to draw inferences on the following hypothesis framed.</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Type of Bank account is not associated with the level of income.</span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"> </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">      </span>The present work analyses a series of systematically developed statement of assertions in the survey questionnaire. The main purpose of which was to investigate whether there is any significant gap between financial inclusion and socio economic development of the poorer section of the society. The results so provided by the study are given in the following which should be properly addressed to reduce the gap. </span></i></p> <p class="MsoListParagraphCxSpFirst" style="margin-left:0in;mso-add-space:auto; text-align:justify;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">1)<span style="font:7.0pt "Times New Roman"">      </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">It can be observed from the table that only 6% of the total respondents have no formal education. 15% belong to the education category of 5th std-10<sup>th</sup> standard, 16% of them are educated up to 5<sup>th</sup> standard, 36% of them belong to the education category of 10th standard - Degree and 27% of them belong to the education category of Degree – PG level.</span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:.3in;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">2)<span style="font:7.0pt "Times New Roman"">    </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">34% of the total respondents are daily wage earners, 21% have private job and 15% of them do not have any job. Majority of this category of people includes students and house wives. Government employees constitute 30% of the total respondents.</span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">3)<span style="font:7.0pt "Times New Roman"">      </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">17% of the total respondents have a monthly income of below Rs.5000. 29% of them have a monthly income between Rs. 5000-10000 and 54% of them have a monthly income of Above Rs.10000. </span><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"></span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">4)<span style="font:7.0pt "Times New Roman"">      </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">It can be noted from the table that 2% of the total respondents records only incomes, 6% of them records their daily expenditure, 22% of them records both.</span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">5)<span style="font:7.0pt "Times New Roman"">       </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">It is observed that 100% of the total respondents are financially included. </span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">6)<span style="font:7.0pt "Times New Roman"">       </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#4F6228; mso-themecolor:accent3;mso-themeshade:128">100% of the total respondents are using Banking facilities, 79% are associating with Self Help Groups, 58% of them have Insurance coverage, 6% of them are using non banking financial services, 40% of them have post office savings, 5% of them are associating with any of the pension funds and 8% of them are associating with financial markets and<span style="mso-spacerun:yes">  </span>8% are using the Mutual Fund schemes. </span><span style="color:#4F6228;mso-themecolor:accent3; mso-themeshade:128"></span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">7)<span style="font:7.0pt "Times New Roman"">       </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">It is also observed from the data analysis that the main reason for opening a bank account is. The second important reason is for getting any subsidies from Government followed by for receiving the remuneration of NREG Programme. ‘For receiving scholarships’ is getting no importance at all. </span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">8)<span style="font:7.0pt "Times New Roman"">       </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">86.61 percent households have a savings bank account. Followed by 9.82 percent households having recurring deposit and rest of 3.57 percent households are having time deposit or fixed deposit. </span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">9)<span style="font:7.0pt "Times New Roman"">       </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">The study shows that though people are visiting financial institutions or have bank account for their financial needs but majority of households reported that their uses of financial services was not fixed i.e. 50 percent. 24% households are using once in a month, 18 percent households are using once in three month and only 8 percent are using once in six months. </span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space: auto;text-align:justify;text-indent:17.1pt;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">10)<span style="font:7.0pt "Times New Roman"">   </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Out of 96 households 41 households i.e. 43 percent got credit from Bandhan bank. Followed by 32 percent households taking credit from Gramin Vikash Bank. Village lender also plays an important role to provide credit to rural households in the study area. In the study area, out of 96 households 5 households got credit from the village lenders. Though they provide credit facility they charge high rate of interest. Rest of the households got credit from different institution or sources like SBI, UCO bank and other banks and source as observed from the data. </span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin-left:-.9pt;mso-add-space: auto;text-align:justify;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">11)<span style="font:7.0pt "Times New Roman"">   </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">Almost 96 percent of the households used ATM, be it cash withdrawal or for checking of balance amount in the account. After ATM usage, it has found that 87 households in the study area are availing personal loan followed by 68.28 percent households having a green card. Mobile banking, which proves to be an easy tool unfortunately used by very less number of households (41.96 percent). In the study area, 14.28 percent households have a car loan while 6.25 percent households have an educational loan. It is disappointing that very less number of households use a cheque book, credit card and only 3 households use internet banking. </span></i></p> <p class="MsoListParagraphCxSpLast" style="margin-left:-.9pt;mso-add-space: auto;text-align:justify;line-height:normal;mso-list:l0 level1 lfo1"><i style="mso-bidi-font-style:normal"><span style="mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;mso-bidi-font-family:Calibri;mso-bidi-theme-font: minor-latin;color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-list:Ignore">12)<span style="font:7.0pt "Times New Roman"">   </span></span></span></i><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128">The table value of chi square for 3 degrees of freedom at 5 % level of significance is 7.81. The calculated value of chi square is less than the tabulated value. Therefore the Null hypothesis is accepted. It implies that the type of bank account is not associated with the income level. it means income level of a household and type of bank account is independent. Income level of a household is not significantly impacts on type of bank account. </span></i></p> <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align: justify;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor:accent3;mso-themeshade:128"><span style="mso-spacerun:yes">           </span>The development of rural areas is very important for all round development of the economy. Therefore financial inclusion of the rural masses bears greater importance from the development perspective point of view. The initiatives of the government should aim to include the underprivileged section of the society to bring them to mainstream banking sector. The awareness about the digital banking tools is also very important. People should be encouraged to get enrolled under banking system by at least having a bank account per household. ATMs in the rural areas, green card, mobile banking and internet banking have ability to engage the households into the banking sector. They should not only have access to the banking services but also should actively utilize those services that are designed to do banking with an ease.</span></i></p> <p class="MsoListParagraph" style="margin-left:-.9pt;mso-add-space:auto; text-align:justify;text-indent:36.9pt;line-height:normal"><i style="mso-bidi-font-style:normal"><span style="color:#4F6228;mso-themecolor: accent3;mso-themeshade:128">By the study of the various aspects of banking in the study area, it is quite evident that the people should be made aware of how the use of the various banking facilities can make banking easy for them and also help in development. Hence, instead of confining to the schemes recommended by the official committees, banks may adopt some innovative schemes for making financial inclusion more meaningful as well as successful.</span></i></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="text-align:center;line-height:200%" align="center"><i style="mso-bidi-font-style:normal"><span style="font-size:16.0pt;line-height: 200%"> </span></i></p> <p class="MsoListParagraphCxSpFirst" style="margin:0in;margin-bottom:.0001pt; mso-add-space:auto;text-align:justify;text-indent:0in;line-height:115%"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;line-height: 115%;font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">(Mr. Nayan Baruati)<span style="mso-spacerun:yes">                                         </span><span style="mso-spacerun:yes">                 </span><span style="mso-spacerun:yes">       </span><span style="mso-spacerun:yes"> </span>(Dr. Debananda Boruah)</span></i></p> <p class="MsoListParagraphCxSpMiddle" style="margin:0in;margin-bottom:.0001pt; mso-add-space:auto;text-align:justify;text-indent:0in;line-height:115%"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;line-height: 115%;font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">Head of the Department<span style="mso-spacerun:yes">   </span><span style="mso-spacerun:yes">                                                             </span>Principal Investigator</span></i></p> <p class="MsoListParagraphCxSpLast" style="margin:0in;margin-bottom:.0001pt; mso-add-space:auto;text-align:justify;text-indent:0in;line-height:115%"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt;line-height: 115%;font-family:"Times New Roman","serif";color:#4F6228;mso-themecolor:accent3; mso-themeshade:128">Department of Commerce<span style="mso-spacerun:yes">                                       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