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Bc Sakhi Template 2 -Form Fill
Village Information
Q01
State Name
Q02
State Code
Q03
District Name
Q04
District Code
Q05
Block Name
Q06
Block Code
Q07
Gram Panchayat Name
Q08
Gram Panchayat Code
Q09
Village Name
Q10
Village Code
Q11
Village Unique ID
Survey Information
A01
Name of the respondent
A02
Respondent identification code
A03
Phone number of the respondent
A04
FIRST VISIT
A04_1
Interviewer name
A04_2
Interviewed code
A04_3
Date of the interview
A04_4
Result of the interview
Interview complete
Visit rescheduled
Interview incomplete
Refused
Respondent is out of station for an extended period
Respondent is temporarily away
Other (specify)
A04_5
Record time when you start the interview
A04_6
Record time when you end the interview
A05
SECOND VISIT
A05_1
Interviewer name
A05_2
Interviewed code
A05_3
Date of the interview
A05_4
Result of the interview
Interview complete
Visit rescheduled
Interview incomplete
Refused
Respondent is out of station for an extended period
Respondent is temporarily away
Other (specify)
A05_5
Record time when you start the interview
A05_6
Record time when you end the interview
A06
THIRD VISIT
A06_1
Interviewer name
A06_2
Interviewed code
A06_3
Date of the interview
A06_4
Result of the interview
Interview complete
Visit rescheduled
Interview incomplete
Refused
Respondent is out of station for an extended period
Respondent is temporarily away
Other (specify)
A06_5
Record time when you start the interview
A06_6
Record time when you end the interview
Basic Information
B01
Are you a SHG member?
Yes
No
B02
Why have not you joined an SHG yet?
B03
What is your name ?
B04
What is your age? (in completed years)
B05
What is your educational qualification?
Illiterate
No Schooling (But knows to read/ write)
Primary
Secondary
High Secondary
Diploma/ ITI
Graduation
Post Graduation
If other, please specify
B06
What is your marital status?
Unmarried
Married
Widowed
Divorced
Separated
Deserted
B07
Month/Year of Joining as BC agent?
B08
Please provide the name of the bank you work with
MBGB
IDFC
CBI
PNB
BOB
ICICI Bank
Axis bank
Bank of Baroda
Canara bank
IOB
Union Bank
If other, Specify (___)
Identification/ Selection of BCAs
C01
What was the process adopted to select a BC agent?
Oral Interview
Written Exam
Written Exam and Oral Interview
IIBF Exam
Directly selected
Selected Based on the recommendation
Based on prior experience as Bank Correspondent
Based on educational qualifications
Related experience such as eCRPs, bookkeeper
C02
Have you had any experience working as a CRP/Bookkeeper/Trainer?
Yes
No
C03
Please provide details of prior experience.
C04
Were you given any training on joining as BC agent?
C05
Was there any refresher training organized after you joining the role?
Yes , and I attended it
Yes, but I could not attend it
No, there was no training organized.
Others, specify
C06
Please elaborate your experience with the training, any challenges you faced.
CBO transactions
D01
Are you aware that SHG/VO/CLF transactions could be conducted through the BC platform?
Yes
No
D02
Have you ever conducted SHG/VO/CLF transactions?
Yes
No
D03A
Total in service area
D03A1
CLF
D03A2
VO
D03A3
SHG
D03A4
SHG
D03B
Total served by BC Sakhi
D03B1
CLF
D03B2
VO
D03B3
SHG
D03B4
SHG
D03C
Total number of transactions in last three months.
D03C1
CLF
D03C2
VO
D03C3
SHG
D03C4
SHG
D03D
Top Three transactions
D03D1
CLF
Account Opening
Deposits
Withdrawal
Fund Transfer/ IMPS
Fixed deposit
Recurring Deposit
Promoting and selling insurance
D03D2
VO
Account Opening
Deposits
Withdrawal
Fund Transfer/ IMPS
Fixed deposit
Recurring Deposit
Promoting and selling insurance
D03D3
SHG
Account Opening
Deposits
Withdrawal
Fund Transfer/ IMPS
Fixed deposit
Recurring Deposit
Promoting and selling insurance
D03D4
SHG
Account Opening
Deposits
Withdrawal
Fund Transfer/ IMPS
Fixed deposit
Recurring Deposit
Promoting and selling insurance
D03E
Total value of all the transactions.
D03E1
CLF
D03E2
VO
D03E3
SHG
D03E4
SHG
D04
Please mention the number of CBOs/CBO members that permanently/regularly take services from you in past one year(2023-24)
D04_1
CLF
D04_2
VO
D04_3
SHG
D04_4
SHG
D05
What has made these CBOs loyal towards you?
Quality of service
Better network connectivity
Low link failure
My financial understanding and communication
Their trust on the bank and my services
Others, specify
D06
What are the reasons/issues you feel that prevent SHG/VO/CLF transactions through BC channel?
SHG members not willing to transact on the BC platform
Place of meeting too far away
Time of the SHG/VO/CLF meeting is inconvenient
Too busy with other customers
OD limit is too low to manage the transactions
The transactions are adequate, we don’t feel any challenge.
Others (please specify)
D07
Why don’t you conduct SHG/CLF/VO transactions?
SHG/VO/CLF meetings are held too far off or at inconvenient times
Dual Authentication has not been enabled
Individual SHG members' mapping to the SHG account hasn’t been completed
SHG members are not interested in carrying out the transactions through the BC point
Current OD limit is too low to carry out the institutional transactions
Lack of time/Too busy with existing customers
Technology issues (interoperability etc.)
Others (Specify)
D08
What assistance do you need to initiate transactions of SHGs/VOs/CLFs at the BC point?
Spread awareness about BC transactions
Organize campaigns/ seminars for promoting transactions
Invite BC Sakhi’s to CBO meetings
Others, specify
Functioning and Operations
E01
Which model of service do you follow?
Kiosk Model
E-PoS Model
If other, Please Specify (_____)
E01A
Has there been a shift in the model of service that you follow?
Yes
No
E01B
Why have you changed the model of service? (Text response)
E02A
Are you aware about the process of dual authentication?
Yes
No
E02B
Have you activated dual authentication process ?
Yes
No
E02C
Are you currently using the dual authentication process?
Yes
No
E03
how many SHGs / % of SHGs have you activated dual authentication.
E03A
Can you please elaborate the process of dual authentication activation.
E04
what are the barriers that are hindering the process of starting dual authentication?
No awareness about dual authentication
The mapping of members is still in process
The SHGs/CLFs/VOs are not interested in the process
Others,specify
E05
Please tick the following based on the availability of the following listed item at the outlet of Bank Sakhi
Prescribed Board displayed at the CSP
Prescribed Customer Guidelines (such as dos and don'ts) displayed.
Bank Sakhi outlet has a BC certificate displayed
Marketing collaterals of bank products available at the outlet
E06
From where do you operate?
Only Fixed Location-from home
Only fixed- from bank/GP office/CLF office
Only Mobile
Both Fixed and Mobile
E07
How many days a week do you work as a BC Sakhi?
every day
3-4 days in a week
once a week
once in 15 days
Irregular, as per customers demand
others, please specify
E08
How many hours do you work per day as a BC Sakhi?
3-4 hours
5-8 hours in a week
more than 8 hours
others, please specify
E09
Can you please elaborate the overall operations and timing taken for each operation. Challenges faced and potential solutions to it.
E10
Which of the following hardware/ services are available at your outlet?
Laptop/ PC/ Tablet
Printer Cum Scanner
Pin Pad device/ Micro ATM
Bio- Metric Device
Internet Connection
If other, Please specify()
E11
Please provide the number of villages you provide your services to (Villages where the BC Sakhi serves regularly)
E12
Please provide the approx. number of households you provide your services.
E13
Average number of customers receiving your services in a month( i.e through BC Sakhi)
E14
How would you define your customer segment? (Multiple Choice)
Individuals
Business Establishment
School Going Children?
Institutions/Collectives (SHGs, VOs, CLFs, etc.)
E15
What kind of services do you provide to the eligible beneficiaries?
E15A
Availability in the Bank/ CSP
E15A1
Account Opening
Yes
No
E15A2
Deposits
Yes
No
E15A3
Withdrawal
Yes
No
E15A4
Fund Transfer/ IMPS
Yes
No
E15A5
Fixed deposit
Yes
No
E15A6
Recurring Deposit
Yes
No
E15A7
Promoting and selling insurance
Yes
No
E15A7_1
What are the insurance products promoted?
PMJJBY
PMSBY
Others
E15A7_2
What are the insurance products availed?
PMJJBY
PMSBY
Others
E15A8
Promoting and selling pension products
Yes
No
E15A8_1
What are the pension products promoted
APS
IGNWPS
OTHERS
E15A8_2
What are the pension products availed
APS
IGNWPS
OTHERS
E15A9
Delivering notices for NPA on behalf of bank branches
Yes
No
E15A10
Recovering NPAs
Yes
No
E15A11
Generating eligible loan application
Yes
No
E15A12
Aadhar Seeding
Yes
No
E15A13
Payment of NREGA wages
Yes
No
E15B
Are these services availed by the customers?
E15B1
Account Opening
Yes
No
E15B2
Deposits
Yes
No
E15B3
Withdrawal
Yes
No
E15B4
Fund Transfer/ IMPS
Yes
No
E15B5
Fixed deposit
Yes
No
E15B6
Recurring Deposit
Yes
No
E15B7
Promoting and selling pension products
Yes
No
E15B8
Delivering notices for NPA on behalf of bank branches
Yes
No
E15B9
Recovering NPAs
Yes
No
E15B10
Generating eligible loan application
Yes
No
E15B11
Aadhar Seeding
Yes
No
E15B12
Payment of NREGA wages
Yes
No
E16
Do you have properly maintained BORs?
Yes
The agent maintains rough books and not proper registers.
No, they do not maintain any BORs.
E16A
What was your total value of transaction that took place in the last year ?
E17
What was your total value of the transaction that took place in the last three months?
E17_1
January
E17_2
February
E17_3
March
E17A
In the last three months, out of all the transactions made by you, how many of the transactions fall under each category?
E17A_1
January
Cash Withdrawal
Cash Deposits (Savings/ To own account)
Cash Transfer (to other accounts)
E17A_2
February
Cash Withdrawal
Cash Deposits (Savings/ To own account)
Cash Transfer (to other accounts)
E17A_3
March
Cash Withdrawal
Cash Deposits (Savings/ To own account)
Cash Transfer (to other accounts)
E18
What are the top 5 services availed by women?
E19
According to you how are able to help or provide support to other women in society?
Process of Fund flow
F01
Have you made any additional investment for starting the role of BC Sakhi?
Yes
No
F02
What is your main source of investment?
Invested from my personal savings
Loan from SHG/VO/PLF/CLF/GPLF
Loan from Bank
Borrowed money from friends/family
F03
How much did you invest to initiate the activity (INR)?
F04
Of the total investment, how much was the investment towards equipment?
F05
Of the total investment, how much was the investment towards the OD limit?
F06
What is the frequency with which you get your commission?
Daily
Weekly
Fortnightly
Monthly
Quarterly
Irregular
Other
F07
How do you receive the commission?
Directly transferred to my savings account
Given as cash
Don’t know/Can’t say
F08
On average, what is the range of commissions you receive in a month?
Below 5,000
5,000-10,000
10,000-15,000
15,000-20,000
20,000-30,000
Greater than 30,000
F09
In which account have you received this amount?
Self
Relative SHG member
F10
Have you received any incentives or bonuses for the services you have provided?
Yes
No
F11
What are the challenges regarding commissions?
No challenges
It takes time to receive commission.
The commission on the services is very low
Others, specify
F12
In which quarter did you carry out the highest number of transactions?
January- March
April- June
July- September
October-December
F13
In which quarter did you receive the highest commissions?
January- March
April- June
July- September
October-December
F14
What do you think is the reason for the same?
Detail of expenses
G01
Sources of Revenue
G01_1
Revenue from commissions
G01_2
Assistance provided by the SRLMs
G01_3
Assistance from Banks/NABARD
G01_4
Other sources of Revenue
G02
What is expenditure incurred by the Bank Sakhi under the following heads:
G02A
Establishment Cost
G02A1
Laptop/ PC / Tablet
G02A2
Printer cum scanner
G02A3
Pin Pad Device/ Micro ATM
G02A4
Biometric device
G02A5
Internet Connection
G02A6
Power Backup
G02A7
Miscellaneous
G02A8
Overdraft amount (Note to the enumerator: The overdraft allows the account holder to continue withdrawing money even when the account has no funds in it or insufficient funds to cover the amount of withdrawal)
G02B
Total Establishment Cost
G02B1
Operational Expenses
G02B2
Rent of Premises
G02B3
Electricity
G02B4
Monthly Internet Charges
G02B5
Travel Expenses
G02B6
Stationary and miscellaneous expenses
G02B7
Others, please specify
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