UGC Approved Journal no 63975(19)

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Published in:

Volume 5 Issue 9
September-2018
eISSN: 2349-5162

UGC and ISSN approved 7.95 impact factor UGC Approved Journal no 63975

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Published Paper ID:
JETIRA006246


Registration ID:
187908

Page Number

87-94

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Title

FINANCIAL LITERACY ABOUT BASIC BANKING TRANSACTIONS AND OPERATIONS AMONG THE PARTICIPANT FARMERS OF DAIRY VIGYAN KENDRA

Abstract

In the recent past there is a significant increase in the number of bank accounts held by farmers in rural areas. There have been significant developments in the country’s banking sector such as the introduction of Jandhan accounts, demonetization, and several social benefit schemes offered to account holders. However, it is felt that financial literacy of basic banking services should be possessed by all bank account holders in order to easily operate their accounts, safeguard themselves from any fraud and to benefit themselves from various government development schemes which are primarily linked to account holders. Hence this research study was undertaken and the following methodology was followed.Total 100 respondents were selected for the study. The respondents were the participants of training programme conducted by the Dairy Vigyan Kendra during the year 2017-18 and were having bank accounts. Necessary data was collected from the respondents by using interview schedule with the respondents. The data analysis was done for making interpretations. The results indicated that respondent’s knowledge of banking transactions was low- for example not all respondents could fill the transaction slips themselves, also awareness of various aspects of was low; also majority were not aware of interest rate on savings and FD. Hence it is suggested that, in the present era where the thrust is on initiatives such as -cashless transaction, digital transactions, mobile banking, financial inclusion, etc.; it is very necessary to improve the basic banking literacy of rural farmers.

Key Words

Banking literacy, dairy farmers, digital India, cashless transactions, financial awareness

Cite This Article

"FINANCIAL LITERACY ABOUT BASIC BANKING TRANSACTIONS AND OPERATIONS AMONG THE PARTICIPANT FARMERS OF DAIRY VIGYAN KENDRA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 9, page no.87-94, September-2018, Available :http://www.jetir.org/papers/JETIRA006246.pdf

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2349-5162 | Impact Factor 7.95 Calculate by Google Scholar

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 7.95 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Cite This Article

"FINANCIAL LITERACY ABOUT BASIC BANKING TRANSACTIONS AND OPERATIONS AMONG THE PARTICIPANT FARMERS OF DAIRY VIGYAN KENDRA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 9, page no. pp87-94, September-2018, Available at : http://www.jetir.org/papers/JETIRA006246.pdf

Publication Details

Published Paper ID: JETIRA006246
Registration ID: 187908
Published In: Volume 5 | Issue 9 | Year September-2018
DOI (Digital Object Identifier):
Page No: 87-94
Country: -, -, - .
Area: Engineering
ISSN Number: 2349-5162
Publisher: IJ Publication


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