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Subject: Agricultural Business Management × Start date: 2004 × Type: Thesis × Rating Count: 5 × Thesis Type: Ph.D ×
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    ThesisItemOpen Access
    Level of financial literacy and financial inclusion among rural households in Tamil Nadu
    (G.B. Pant University of Agriculture and Technology, Pantnagar - 263145 (Uttarakhand), 2019-06) Krishnakumare, B.; Singh, Saurabh
    The present study was to assess the level of financial literacy and financial inclusion among rural households of Tamil Nadu during the year 2018. 8 districts, 16 taluks and 32 villages were selected using multistage sampling technique and 20 respondents from each selected village were chosen randomly. Both primary and secondary data utilized were analyzed using descriptive statistics, Multivariate Analysis of Variance (MANOVA), Chisquare test, multidimensional index of financial inclusion and binomial logistic regression with the help of SPSS and STATA software. The study revealed that major proportion of respondents was at medium level of financial literacy. Besides, the results of MANOVA revealed that the variables such as income, education, parent/spouse education, employment status and financial inclusion were found to be having a significant impact on financial literacy. Also, respondents having income above Rs. 10 Lakhs having their parent/spouse with post graduate degree and being financially included had shown a significant impact on financial behaviour, financial knowledge and overall financial literacy respectively. Pearson Chi-Square test indicated that there existed a statistically significant association between independent variables (gender, income and employment status) and awareness level of financial inclusion schemes. Of the eight selected districts, Coimbatore had high level of financial inclusion. Besides, Ariyalur, Dharmapuri, Dindigul, Kanniyakumari and Trichy were categorized under above average. Kancheepuram was considered to be at below average level and the extent of financial inclusion in the district Villupuram was very low. The results of binomial logistic regression revealed that respondents being employed, being self-employed, having LPG connection through Direct Benefit Transfer, frequency of bus from village to town and financial literacy had shown a significant positive impact on financial inclusion. Whereas, being unemployed and distance of village from banks turned out to be influencing negatively on financial inclusion.