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Bc Sakhi Template 3 -Form Fill
Village Information
Q01
District Name
Q02
District Code
Q03
Block Name
Q04
Block Code
Q05
Gram Panchayat Name
Q06
Gram Panchayat Code
Q07
Village Name
Q08
Village Code
Survey Information
A01
Name of the BC Sakhi respondent
A02
Year of Joining of BC Sakhi
A03
Respondent identification/ BC Sakhi code
A04
FIRST ATTEMPT FOR THE INTERVIEW
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
A04_7
GPS Coordinates
A05
SECOND ATTEMPT FOR THE INTERVIEW
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
A05_7
GPS Coordinates
A06
THIRD ATTEMPT FOR THE INTERVIEW
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
A06_7
GPS Coordinates
Basic Profile of BC Sakhi
B01
Are you an SHG member?
Yes
No
B02
Please tell us the name of SHG.
B03
Are you a relative of an SHG member?
Yes
No
B04
What is your relationship with the SHG member?
Daughter
Daughter-in-law
If others, specify (___)
B05
What is your age?
B06
What is your educational qualification?
Illiterate
No Schooling (But knows to read/ write)
Primary
Secondary
High Secondary
Diploma/ ITI
Graduation
Post Graduation
Signature literate
If other, please specify
B07
What is your marital status?
Unmarried
Married
Widowed
Divorced
Separated
Deserted
B08
Do you hold any key position in the village?
Sarpanch
Upsarpanch
Police
Panch/ Ward Member
Panchayat Secretary
School Teacher
Anganwadi Teacher
Government Official
Office Bearer in CBO (SHG/ VO/ CLF)
None
If other, please specify (__)
B09
What is your relationship with the head of the household?
Self
Daughter
Daughter-in-law
Mother
Sister
Sister-in-law
Wife
Others, Specify (___)
B10
Are you the primary earning member of the household?
Yes
No
B11
What is the primary livelihood activity of your household?
Agriculture/cultivation on own/ leased-in/ shared land
Animal husbandry
Fisheries
Dairy
Poultry
Goatry
Agriculture labor
Non-Agri labor, unskilled (coolie etc.)
Non-Agri labor, skilled (mason, carpenter etc.)
MGNREGS labor
Enterprise/business /shops
Jeevika Cadre
Salaried Govt. job
Salaried private job
BC Sakhi/ CSP
Other’s Specify
B12
What is the second most income generating activity of your household?
Agriculture/cultivation on own/ leased-in/ shared land
Animal husbandry
Fisheries
Dairy
Poultry
Goatery
Agriculture labor
Non-agri labor, unskilled (coolie etc.)
Non-agri labor, skilled (mason, carpenter etc.)
MGNREGS labor
Enterprise/business /shops
BC Sakhi/ CSP
Jeevika Cadre
Salaried Govt. job
Salaried private job
Don’t Know
Other’s Specify
Selection Procedure of BC Sakhi
C01
How did you come to know about the BC Sakhi work/activity?
Relatives/friends
Bank
BRLPS/JEEVIKA staff
Other BC Agents/ BC Sakhis
Advertisement
SHG/ VO/ CLF
Others (please specify)
C02
Who influenced you to become a BC Sakhi?
Family
Friends
Project team/ Jeevika staff
Other SHG member
Others (please specify)
C03
What was the process adopted to appoint you as a BC Sakhi?
Oral Interview
Written Exam
Written Exam and Oral Interview
Selected Based on the recommendation
Based on prior experience as Bank Correspondent
Based on educational qualifications
Related experience such as e CRPs,bookkeeper
Background Check for credit history
Others (please specify)
C04
How many days did the selection process take to complete?
C05
What was the support provided by BRLPS/JEEVIKA to complete this process?
Application Process
Training Support
Financial Support
Extended training
Seed money
Others (please specify)
C06
What were the challenges faced during the process of selection of BC Sakhi?
C07
According to you, what can be done to improve the selection process of BC Sakhi and make it smooth?
C08
Did you ever visit a bank before becoming BC Sakhi?
Yes
No
C09
What was the reason for not visiting the bank before?
Not aware of banking services
Not allowed to go to the bank
Male members in the household take up this activity
Bank was very far
Did not feel the need to go to the bank
Others, Specify (_______)
C10
Before assuming the role of BC Sakhi, have you ever done any transaction (deposit or withdrawal of money) from the bank?
Yes
No
C11
Do you have any prior experience of working as BC Sakhi?
Yes
No
Training of BC Sakhi
D01
Have you received training from BRLPS/JEEViKA (Non-technical training / Basic Training)?
Yes
No
D02
How many days of (basic or non-technical) training did you receive from BRLPS/JEEViKA?
D03
What were all taught in the basic training / non-technical training?
Basic Computer skills
Basic Banking knowledge
Introduction about BC model
Roles and Responsibilities of a BC
Services to be offered by a BC
Handling operating devices
Handling Software
Financial Literacy
Financial Management
Maintaining records
Reporting Formats/ Templates
Communication skills
Business Potential
Cannot Recall
Other’s Specify
D04
Did you find the basic training / non-technical training helpful?
Yes, the training was beneficial
Yes, somewhat helpful
No, the training was not helpful
D05
What could be done better to improve the effectiveness of these trainings?
Refresher trainings must be organized
Training modules could be better
Printed versions of the training modules should be provided
Handholding support
The modules could have been better explained with examples
Real-world situations and case studies could have been included
Benefits of these trainings could have been mentioned
The next steps after completing these trainings could have been mapped
income-generating opportunities could have been mentioned
The duration of training could be increased
The duration of training could be reduced
No recommendation
Others, please specify (___)
D06
Have you received any training from the Corporate BC/ Bank? (Technical training)?
Yes
No
D07
How many days of technical training did you receive?
D08
What topics were covered/ taught in the technical training?
Basic Computer skills
Basic Banking knowledge
Introduction about BC model
Roles and Responsibilities of a BC
Services to be offered by a BC
Handling operating devices
Handling Software
Financial Literacy
Financial Management
Maintaining records
Reporting Formats/ Templates
Communication skills
Business Potential
Cannot Recall
Other’s Specify
D09
Did you find the technical training helpful?
Yes, the training was beneficial
Yes, training was somewhat helpful
No, the training was not helpful
D10
What could be done better to improve the effectiveness of these trainings?
Refresher trainings must be organized
Training modules could be better
Printed versions of the training modules should be provided
Handholding support
The modules could have been better explained with examples
Real-world situations and case studies could have been included
Benefits of these trainings could have been mentioned
The next steps after completing these trainings could have been mapped
income-generating opportunities could have been mentioned
The duration of training could be increased
The duration of training could be reduced
Others, please specify (___)
D11
Have you attended any orientation program conducted at district level?
Yes
No
D12
Have you taken IIBF Certification exam?
Yes
No
D13
From where have you prepared for IIBF certification exam?
Through RSETI
Self
Self with support of Jeevika
Others, Specify (_)
D14
Have you received certificate from IIBF?
Yes
No
D15
Have you received any refresher training?
Yes
No
D16
How many refresher trainings were conducted?
D17
For how many days was refresher training conducted?
D18
What were all topics covered in the refresher training?
Basic Computer skills
Basic Banking knowledge
Introduction about BC model
Roles and Responsibilities of a BC
Services to be offered by a BC
Handling operating devices
Handling Software
Financial Literacy
Financial Management
Maintaining records
Reporting Formats/ Templates
Communication skills
Business Potential
Cannot Recall
Other’s Specify
D19
Are you satisfied with the refresher training provided to you?
Yes, the training was beneficial
Yes, somewhat helpful
No, the training was not helpful
D20
Do you feel the need for refresher training?
Yes
No
D21
Which topics should be covered in the refresher training?
Basic Computer skills
Basic Banking knowledge
Introduction about BC model
Roles and Responsibilities of a BC
Services to be offered by a BC
Handling operating devices
Handling Software
Financial Literacy
Financial Management
Maintaining records
Reporting Formats/ Templates
Communication skills
Business Potential
Cannot Recall
Other’s Specify (______)
Service Delivery of BC Sakhi
E01
What kind of services do you provide to your customers?
E01_1
Account Opening
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_2
Deposits
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_3
Withdrawal
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_4
Fund Transfer/ IMPS
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_5
Fixed deposit
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_6
Recurring Deposit
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_7
Promoting and selling insurance products
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_8
Promoting and selling pension products
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_9
Generating eligible loan application
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_10
Aadhar Seeding
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_11
Passbook Update
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_12
Balance enquiry
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_13
Delivering notices for NPA on behalf of bank branches
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E01_14
Recovering NPA
Yes
No, not allowed by bank
No, not provided by BC Sakhi
E02
With which bank are you associated?
MBGB (Madhya Bihar Gramin Bank)
IDFC
CBI
PNB
BOB
SBI
UBGB
DBGB
Canara bank/ Syndicate Bank
Bank of India
Fino Payments
ICICI Bank
Not associated yet
If other, Specify (___)
E03
Which model of service do you follow?
Kiosk Model (with laptop/desktop facility)
E-PoS Model (tablet/epos machine)
Mix of Kiosk and E-Pos model
If other, Please Specify (_____)
E04
Do you sell/ promote insurance products?
Yes
No
E05
When did you start selling/promoting insurance products?
E06
What kind of insurance products do you sell?
Life Insurance General
Life Insurance PMJJBY
Accident Insurance General
Accident Insurance PMSBY
Health Insurance
Vehicle insurance
Livestock Insurance
Crop Insurance
Only promotion and no sales
Other’s (please specify)
E07
How many customers have bought insurance products from you (since the time mentioned in 605)?
E08
Do you sell/ promote pension products?
Yes
No
E09
When did you start selling/promoting pension products?
E10
What kind of pension products do you sell?
Old Age Pension
Widow Pension
Disability Pension
Atal Pension Yojana
National Pension Scheme
Jeevan Akshaya Policy
Only promotion and no sales
Others
E11
How many customers have bought pension products from you?
E12
Which of the following hardware/devices are available at your CSP?
E12_1
Laptop
Yes
No
E12_2
PC
Yes
No
E12_3
Tablet
Yes
No
E12_4
Printer Cum Scanner
Yes
No
E12_5
Pin Pad device/ Micro ATM
Yes
No
E12_6
Bio- Metric Device
Yes
No
E12_7
Inverter
Yes
No
E12_8
Internet Connection
Yes
No
E12_9
Bulb/Tube lights
Yes
No
E12_10
Tables
Yes
No
E12_11
Chair
Yes
No
E12_12
Prescribed board displayed
Yes
No
E12_13
Prescribed Jeevika board/ logo displayed
Yes
No
E12_14
Guidelines for customers
Yes
No
E12_15
IIBF Certificate displayed
Yes
No
E12_16
Marketing of available products
Yes
No
E13
From where did you received funds to purchase hardwares/ equipments to carry out BC Sakhi operations?
From BRLPS/ Jeevika
Self
Both (Jeevika fund and self)
E14
Do you face any issues with internet connectivity/ link failure in the CSP?
Yes
No
E15
How many times do you face these issues in a month?
E15A
Internet connectivity
E15B
Link failures
E16
If technical issues are faced with hardware, how do you deal with it or seek technical help?
E17
Who runs the daily operations of CSP?
Self
Spouse
Any member of Family
Any member of SHG
Assistant/Operator
Others, Please Specify (___)
E18
Please specify the number of members working in the CSP at any given time?
E19
How many days do you operate the CSP in a week?
E20
What are the operating hours/duration of CSP daily?
E21
What is the opening time of your CSP?
E22
What is the closing time of your CSP?
E23
Are you operating from the same place allocated at the time of recruitment?
Yes
No
E24
What is the reason for not operating from the assigned place?
E25
Distance of the nearest bank branch (that you work with) from the Gram Panchayat assigned for the BC Sakhi
E26
What is the frequency of visiting the bank branch (that you work with)?
Weekly
Fortnightly
Monthly
Quarterly
Once in six months
If others, Please specify (_____)
E27
Distance of nearest bank ATM from the gram panchayat assigned for the BC Sakhi
E28
Please provide the number of Gram Panchayats you provide your services.
E29
Please tell us the number of villages you provide your services.
Transaction and Profitability of BC Sakhi
F01
What is the maximum limit on the total amount of transactions (value in INR) per day?
F02
Do you issue acknowledgment receipt of all the transactions?
Yes
No
F03
Do you hand over the acknowledgment receipt to the customers immediately after the transaction?
Yes
No
F04
What is the total number of transactions (deposits) made by you in the last 2 months - 1st Dec 2021 to 31st Jan 2022?
F05
What is the total number of transactions (withdrawals) made by you in the last 2 months - 1st Dec 2021 to 31st Jan 2022?
F06
What is the total value of transactions (deposits) made by you in the last 2 months - 1st Dec 2021 to 31st Jan 2022?
F07
What is the total value of transactions (withdrawals) made by you in the last 2 months - 1st Dec 2021 to 31st Jan 2022?
F08
What is expenditure incurred by you under the following heads
F08A
Establishment Cost
F08A_1
Laptop/ PC / Tablet
F08A_2
Printer cum scanner
F08A_3
Pin Pad Device/ Micro ATM
F08A_4
Biometric device
F08A_5
CCTV
F08A_6
Inverter
F08A_7
Miscellaneous
F08A_8
Overdraft amount
F08B
Operational Expenses
F08B_1
Rent of Premises
F08B_2
Electricity
F08B_3
Monthly Internet Charges
F08B_4
Travel Expenses
F08B_5
Stationary expenses
F08B_6
Miscellaneous expenses
F09
How many CBOs have done transactions with you in last one year from
F10
Whether conducted transactions in the last year?
F10_1
SHG
Yes
No
F10_2
VO
Yes
No
F10_3
CLF
Yes
No
F11
No. of CBOs
F11_1
SHG
F11_2
VO
F11_3
CLF
F12
Do you organize awareness camps/meetings to give awareness about financial products to the customers in your area?
Yes
No
F13
Can you please elaborate on what activities you conduct to spread awareness of financial products to the customers in your area?
F14
Do you visit villages/panchayats to provide doorstep banking services?
Yes
No
F15
To whom do you provide these doorstep banking services?
SHGs
VOs
CLFs
Any CBOs (SHGs/VOs/CLFs)
Nearby households
Far off households
Households belonging to the vulnerable and marginalized population (SC/ST/OBC/specially abled)
Anyone based on their availability
Households that are referred by individuals/CBOs availing/receiving services
F16
What kind of doorstep banking services do you provide to such members/households?
Account Opening
Deposits
Withdrawal
Fund Transfer/NEFT/IMPS
Fixed deposit
Recurring Deposit
Promoting and selling insurance products
Promoting and selling pension products
Delivering notices for NPA on behalf of bank branches
Recovering NPAs
Generating eligible loan application
Aadhar Seeding
Passbook Update
If other, please specify (____)
F17
How much do you receive from the bank for your monthly services?
F18
How do you charge for your service fee per transaction/commission from the people who avail of your services?
Fixed
Not fixed, varies based on the amount of transaction
F19
How much do you charge from your customer to provide banking services? (on transaction of INR 1000)
Social Impact on the life of BC Sakhi
G01
Do you think there has been a change in yourself after becoming a BC Sakhi?
Yes
No
G02
How will you rate this change in yourself after becoming a BC Sakhi on a five-point scale?
Very positive
Slightly positive
Neither positive nor negative
Slightly negative
Very negative
G03
What has been the change in your social standing in the community?
G03A
Before becoming a BC Sakhi
G03A_1
Spending money earned by you
Yes
No
G03A_2
Owning a bank account
Yes
No
G03A_3
Savings/ deposits in your name
Yes
No
G03A_4
Buying/selling of land
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03A_5
Buying/selling of jewelry
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03A_6
Buying/selling of livestock
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03A_7
Buying/selling of farm produce
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03A_8
To go out and work
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_9
Ration Shop
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_10
Paternal Home
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_11
Weekly Market
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_12
Government Offices
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_13
Banks
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_14
Gram Sabha
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_15
Police Station
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_16
Meeting/training in the village
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_17
Meeting/training outside the village
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03A_18
Did you attend any of the Gram Sabha meetings held?
Yes
No
G03A_19
Did you raise any issues in the meetings that you attended?
Yes
No
G03A_20
Did you vote in any of the elections in the last 5 years?
Yes
No
G03A_21
Who decides who you will cast your vote to?
self
husband
elder family member
influential people in the village
representatives of political parties
G03A_22
Have you held any key position in the village?
Sarpanch
Upsarpanch
Police
Panch/ Ward Member
Panchayat Secretary
School Teacher
Anganwadi Teacher
Government Official
Office Bearer in CBO (SHG/ VO/ CLF)
None
G03B
After becoming a BC Sakhi
G03B_1
Spending money earned by you
Yes
No
G03B_2
Owning a bank account
Yes
No
G03B_3
Savings/ deposits in your name
Yes
No
G03B_4
Buying/selling of land
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03B_5
Buying/selling of jewelry
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03B_6
Buying/selling of livestock
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03B_7
Buying/selling of farm produce
informed of the purchase/sale to be made
informed of the purchase/sale already made
consulted on the purchase/sale
decide the purchase/sale
no role
G03B_8
To go out and work
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_9
Ration Shop
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_10
Paternal Home
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_11
Weekly Market
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_12
Government Offices
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_13
Banks
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_14
Gram Sabha
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_15
Police Station
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_16
Meeting/training in the village
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_17
Meeting/training outside the village
not allowed to go alone
allowed to go with other family members/friends
allowed to go only with the spouse
allowed to go alone after seeking permission
DO NOT NEED ANY PERMISSION
G03B_18
Did you attend any of the Gram Sabha meetings held?
Yes
No
G03B_19
Did you raise any issues in the meetings that you attended?
Yes
No
G03B_20
Did you vote in any of the elections in the last 5 years?
Yes
No
G03B_21
Who decides who you will cast your vote to?
self
husband
elder family member
influential people in the village
representatives of political parties
G03B_22
Have you held any key position in the village?
Sarpanch
Upsarpanch
Police
Panch/ Ward Member
Panchayat Secretary
School Teacher
Anganwadi Teacher
Government Official
Office Bearer in CBO (SHG/ VO/ CLF)
None
G04
After becoming BC Sakhi, have you observed a change in your inter and intrahousehold decision-making role?
Improved significantly
Improved slightly
Neither improved nor deteriorated
Slightly deteriorated
Deteriorated significantly
G05
What has been the change in your confidence levels after becoming BC Sakhi?
Improved significantly
Improved slightly
Neither improved nor deteriorated
Slightly deteriorated
Deteriorated significantly
G06
What has changed the quality of life and standard of living after becoming BC Sakhi?
Improved significantly
Improved slightly
Neither improved nor deteriorated
Slightly deteriorated
Deteriorated significantly
G07
Do you think there has been an improvement in the number of female customers availing of banking services through your BC Channel since your joining as BC Sakhi?
Yes, significant improvement in the number of female customers
Yes, a slight improvement in the no. of female customer
No change
G08
If yes, what could be the reasons for improving the number of female customers?
Easier to approach female BC Sakhi
Trustworthiness and maintain confidentiality with BC Sakhi
Comfortable in disclosing financial information
BC Point is near as compared to Bank
Ease of doing the transaction with BC Sakhi
Grievance redressal is easy
BC Sakhi can easily visit the home of female customers to provide banking services
Others Specify (_____________)
G09
If not, what could be the barriers preventing female customers from transacting with BC Sakhi?
Restrictions from the household members
Not comfortable in financial transactions
Not involved in any financial transaction activity
others, Specify (_________)
G10
On a scale of 1-5, have you seen any improvement in your attitude towards self-employment/entrepreneurship?
Very positive
Slightly positive
Neither positive nor negative
Slightly negative
Very negative
G11
What skill sets have you acquired/learned after becoming a BC Sakhi?
Basic Computer skills
Basic Banking knowledge
Handling operating devices
Handling Software
Financial Literacy
Financial Management
Maintaining BC Sakhi records
Reporting Formats/ Templates
Better Communication skills
Cannot Recall
Other’s Specify ______
G12
How has your family been supported throughout the BC Sakhi journey?
Very Supportive
Supportive
Neither supportive nor unsupportive
Slightly unsupportive/ Some resistance
Not supportive at all
G13
Do you observe any change in people's perception of you after becoming BC Sakhi?
Improved significantly
Improved slightly
Neither improved nor deteriorated
Slightly deteriorated
Deteriorated significantly
Economic Impact on the life of BC Sakhi
H01
Before becoming BC Sakhi, were you involved in any other livelihood activity?
Yes
No
H02
Which type of livelihood activities were you involved in before becoming BC Sakhi?
Agriculture/cultivation on own/ leased-in/ shared land
Animal husbandry
Fisheries
Dairy
Poultry
Goatery
Agriculture labor
Non-Agri labor, unskilled (coolie, etc.)
Non-Agri labor, skilled (mason, carpenter, etc.)
MGNREGS labor
Enterprise/business /shops
Jeevika Cadre
Salaried Govt. job
Salaried private job
None
Other's Specify
H03
What was your average monthly earning before becoming BC Sakhi?
H04
What is your monthly average earning after becoming BC Sakhi?
Customer Relations
I01
Does the CSP open timely as per the given guidelines of working hours?
Yes
No
I02
Do the customers get prompt banking services at the CSP during working hours?
Yes, always
Yes, but sometimes there can be delays due to long queue or technical issues
customer has to wait or come later based on the convenience of BC Sakhi
Never
I03
Are the customers satisfied with your quality of service?
Highly Dissatisfied
Somewhat Dissatisfied
Neither satisfied nor unsatisfied
Somewhat satisfied
Highly Satisfied
I04
What are the challenges faced by the customers?
I05
What are the challenges you face in offering exemplary service to the customers?
I06
How can you further improve customer service?
I07
What support do you need from the BRLPS/JEEViKA/Banks to improve your service level?
Process of Fund flow
J01
Was an MoU signed between the concerned VO and SHG member/ BC Sakhi at a workshop for CSP?
Yes
No
J02
Have you received any financial support from the BRLPS/JEEVIKA?
Yes
No
J03
In which account have you received this amount?
Self
Relative SHG member
Other non-SHG family member
J04
What is the amount of loan taken from the VO towards the purchase and establishment of the CSP?
J05
What is the repayment status of the loan received on 31st Jan 2022?
Fully repaid
Partially repaid
Not repaid at all
If other, please specify(___)
J06
How much of the loan amount have you repaid to VO as of 31st Jan 2022?
J07
How much of the loan amount is outstanding to VO as of 31st Jan 2022?
J08
What is the reason for the non-repayment of the loan?
Not able to realize profit yet
Less number of people availing alternate banking services through CSP
Expenses are higher than profit
Not applicable, Loan amount fully repaid
If other, please specify(______)
J09
After how many months have you received the fund?
After 1 month
After 3 months
After 6 months
After a year
If other, please specify(______)
J10
For what purpose have you utilized the establishment fund amount?
Establishment of CSP
Purchase of required hardware
Purchase of furniture
For operational expenses
Not utilized yet
If other, Please Specify
J11
What is the reason for the delay in setting up infrastructure?
J12
What is your primary source of investment?
Invested from my savings
Loan from SHG/VO/CLF
Loan from Bank
Assistance from Government Schemes
Borrowed money from friends/family
J13
How much of your own money have you invested in initiating the BC sakhi activity (INR)?
J14
Of the total investment, how much invest towards the OD limit?
J15
What is the frequency with which you get your commission?
Daily
Weekly
Fortnightly
Monthly
Quarterly
Irregular
Other
J16
What are the modalities of receiving the commission?
Get it as soon as it is due
On request/applying for the commission
Never received any commission
Don't know/Can't say
J17
How do you receive the commission?
Directly transferred to my savings account
Transferred to relative SHG member
Don't know/Can't say
J18
Have you received any incentives or bonuses for the services you have provided?
Yes
No
J19
How many incentives or bonuses have been received in the last 1 year (1st Feb 2021 to 31st Jan 2022)?
J20
In which form have you received a bonus?
Cash
amount transferred directly to the account
Kind
Review and Monitoring
K01
Does the Area Coordinator (AC) visit the outlet for support and review?
Yes
No
K02
How frequently does the AC visit the BC Sakhi outlet?
Weekly
Fortnightly
Monthly
Quarterly
Once in six months
Annually
No predetermined frequency
Others
K03
What kind of activities are reviewed by the AC?
Compliance with the previous year audit report
Total number of accounts Opened
Total amount of transactions done
Total income of BC
No. of fund transfer
Volume of fund transfer
Fixed Deposit
Recurring Deposit
Insurance services under PMSBY/ PMJJBY
Recovering NPAs
Generating eligible loan application
Aadhar Seeding
If other, please specify (____)
K04
What kind of support do you receive from the AC on their visits?
help in resolving technical issues
Assist in documentation work
help in liaising with Bank
help in facilitating interaction with CBOs (SHGs, VOs, and CLFs)
Spreading awareness of BC Sakhi outlet and services in the village
If others, Specify (_________)
K05
Please provide the date of the last visit done by the Area Coordinator/ Community coordinator.
K06
What is the reason behind AC not coming to your outlet?
Not aware of the reasons
Not aware that AC should visit the outlet
Others (Specify_______)
K07
Do you maintain the required book of records?
Yes
No
K08
What is the frequency of maintaining the book of records?
K08_1
Daily Register
As and when the transaction is done
Maintain records daily
Once in a week
Fortnightly
Monthly
No predetermined frequency
Do not maintain/ update this book
others
K08_2
Daily Transaction register
As and when the transaction is done
Maintain records daily
Once in a week
Fortnightly
Monthly
No predetermined frequency
Do not maintain/ update this book
others
K08_3
Visitors Book
As and when the transaction is done
Maintain records daily
Once in a week
Fortnightly
Monthly
No predetermined frequency
Do not maintain/ update this book
others
K08_4
Complain register
As and when the transaction is done
Maintain records daily
Once in a week
Fortnightly
Monthly
No predetermined frequency
Do not maintain/ update this book
others
K08_5
Account opening register
As and when the transaction is done
Maintain records daily
Once in a week
Fortnightly
Monthly
No predetermined frequency
Do not maintain/ update this book
others
K09
Are you aware that your performance is measured and used for ranking?
Yes
No
K10
What are some of the challenges you face while functioning as a Business Correspondent Agent?
Cash Management
Liquidity issues
Maintenance of minimum balance
Least number of transactions
Coordination with sponsored bank
Account opening and its verification
Payment of Remuneration
Limited working/ catchment area of BCA
Technical problems related to hardware/ software (PoS Machine) Network/ Internet issues
Lack of awareness among customers regarding products and services
Low rate of commission
High seasonality and related instability
Conducting transactions of CBOs
If others, please specify(____)
K11
From whom have you received support for performing services as BC Sakhi from the following stakeholders?
Jeevika
Bank
CBOs
Others, Specify (______ )
K12
What kind of support have you received?
Technical Support
Financial Support
support in documentation work
Seed money
Extended Training support
If others, specify(__)
K13
According to you, what could be done to overcome the challenges
K14
How can BRLPS/JEEVIKA help you address these challenges?
K15
What kind of support do you receive from CBOs?
K16
Do you think the support received from CBOs is satisfactory?
Yes, very helpful
No, not much helpful
No support received at all
K17
What can be done further to increase or improve the support from the CBOs?
K18
How has COVID-19 impacted your overall work?
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