Journal of Commerce and Accounting Research

Preeti Salathia ¹, Neetu Andotra ²

Affiliations
1 Department of Commerce, Govt. College for Women, Gandhi Nagar, Jammu, IN
2 Department of Commerce, University of Jammu, Jammu, IN

Abstract

The aim of this paper is to examine the demographic extent and measure the perceptual gap among the beneficiaries having different age, caste, religion, qualification, income, gender, and marital status regarding nature of financial inclusion in Jammu division. It is the fact that financial inclusion has emerged as an important topic on the global agenda for sustainable long-term economic growth of all the sections of the society. The study is based upon the primary data obtained from the beneficiaries of four banks namely, Jammu&Kashmir Bank (JKB), Jammu&Kashmir Grameen Bank (JKGB), State Bank of India (SBI), and Punjab National Bank (PNB) belonging to villages of five districts namely, Jammu, Samba, Kathua, Reasi, and Udhampur of Jammu division of J&K state through judgement sampling. A schedule was framed containing items of demographics and statements measuring financial inclusion based upon five point Likert scale. The findings indicate that on the demographic variables i.e., age, caste, gender&marital status, there is no significant difference exists regarding nature of financial inclusion, whereas on other demographic variables such as, religion, qualification&income nature of financial inclusion differs.

Keywords

Financial Inclusion, Access, Availability, Usage, Perception.

Full Text

     

Neetu Andotra ¹, Tarsem Lal ¹

Affiliations
1 P.G. Dept. of Commerce, University of Jammu, Jammu & Kashimr, IN

Abstract

The present study is undertaken to measure empirically the age-wise perception of different respondents regarding access to financial services through cooperative banks. In order to fulfil the objectives of the study, the primary data are collected personally from beneficiaries of the four cooperative banks covered under financial inclusion drive of RBI operating in Jammu region viz. The Citizen Cooperative Bank, The Jammu Central Cooperative Bank, Devika Urban Cooperative Bank Ltd., and Women Cooperative Credit Bank. The responses are collected using a self-developed questionnaire sub-divided into socio-economic variables and specific information regarding access to financial services. For comparison, responses from beneficiaries of cooperative banks operating in neighbouring tehsils of Himachal Pradesh and beneficiaries of cooperative banks from the state of Punjab are collected.The findings of the study reveal that there exists no significant difference between the perceptionsof beneficiaries belonging to different age groups regarding the access to financial services through cooperative banks.

Keywords

Financial Services, Cooperative Banks, Access, Perception, Financial Inclusion, RBI.

Full Text