Utilization of Commercial Bank Products Among Rural Communities -A Study in Chikkaballapur District
2014
Bharathi, B. | Nagaraja, G. N.
The study was conducted in the Chikkaballapur district of Karnataka to know the utilization of commercial bank products among account holders. The study was conducted based on both primary and secondary data, the primary data was collected from 200 bank customers and secondary data wascollected fromdifferent sources of information. Lessthan half of the respondents have not availed loan because of the lengthy procedures involved to avail. Ninety five per cent of the respondents aware about loan facility. More than half of the respondents (63.5 per cent) availed different kinds of loans in that crop loan were the majorone. Kissan credit card facility was availed by 8 per cent of the customers. Nearness of the village was the basis for selecting a bank for opening of account by 42.5 per cent of the respondents. Thirty six per cent of respondents were received information about banking services by word of mouth followed by bank employees briefing (27.5 per cent) and 26.5 per cent by advertisement in mass media. Most of the respondents preferred to receive information banking services was advertisement in the mass media and word of mouth.
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