CHAPTER – 4

DATA ANALYSIS AND INTERPRETATION

TABLE NO.1
Table showing Gender of the respondents

Gender No of respondents Percentage (%)

Male 26 50%

Female 26 50%

Total 52 100%

Analysis:
From the above table it can be examined that, out of 52 respondents 50%
respondents are Male and 50% respondents are female.

1
 Figure No 01
Figure showing Gender of the respondents

Gender of the respondents

60
52
50

40

30 26 26

20

10
50% 50% 100%
0
Female male Total
No of respondents Percentage (%)

Interpretation:
From the above graph it can be contingent that, the majority (50%) of the
respondents are males. And 50% are females

2
 TABLE NO.2
Table showing Age of the respondents

Age No of respondents Percentage (%)

21-30 38 73%

31-40 6 12%

41-50 8 15%

51 - Above 0 0%

TOTAL 52 100%

Analysis:
From the above table it can be examined that. Out of the 52 respondents 73%
of the respondents belong to the age group 21 to 30 And 12% have belonged to
the age group of 31 –40 years, and 15% of respondents belong to the age group
of 41 to 50.

3
 Figure No 2
Figure Showing Age Group of the Respondent

Age of respondents
60

100%
50

40
73%

30
52
20 38

10
15%
12%
6 8
0 0%
0
21-30 31-40 41-50 51- Above Total

No of respondents Percentage (%)

Interpretation
From the above graph it can be incidental that, majority (73%) of the
Respondent’s belong to the age group of 21-30 and above.

4
 TABLE NO.3
Table Showing Education of the Respondents

Education No of respondent’s Percentage (%)

SSLC 5 10%

PUC 8 15%

GRADUATE 28 54%

Others 11 21%

TOTAL 52 100%

Analysis
From the above table it can be examined that, out of the 52 Respondents, 10%
of the respondents are SSLC, 15% of respondents are PUC, 54% of respondents
are GRADUATE and 21% of respondents are Others.

5
 Figure No.3
Figure Showing Education of the Respondent

Education of the Respondents

60

52
50

40

30 28

20

11
10 8
5
10% 15% 54% 21% 100%
0
SSLC PUC Graduation Others Total

No of respondents Percentage (%)

Interpretation:
From the above graph can be incidental that, majority (54%) of therespondents
are graduates.

6
 TABLE NO.4
Table Showing Marital Status of the Respondents

Marital status No of respondent’s Percentage (%)

Single 32 62%

Married 19 37%

Widow 1 2

Divorced 0 0

Total 52 100%

Analysis
From the above table it can be examined that, out of the 52 Respondents, 62%
of the respondents were Single, 37% of respondents were Married, 2% of
respondents were Widow and 0% of respondents were Divorced.

7
 Figure No.4
Figure Showing Marital Status of The Respondent’s

Marital Status
60
52
50

40
32
30

19
20

10

62% 37% 1 2% 0 0% 100%

0
Single Married Widowed Divorced Total

No of respondents Percentage (%)

Interpretation:
From the above graph can be incidental that, majority (62%) of therespondents
are Singles and the married persons will has second majority with 37%.

8
 TABLE NO.5
Table Showing Occupation Status of the Respondents
Occupation No of respondent’s Percentage (%)

Agriculture 5 10%

Business 8 15%

Private job 22 33%

Others 17 42%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 10%
of the respondents are Agriculture, 15% of respondents are Business, 33% of
respondents are Private Job and 42% of respondents are of others.

9
 Figure No.5
Figure Showing Employment Status of The Respondent’s

Chart Title
60

52
50

40

30

22
20 17

10 8
5
10% 15% 33% 42% 100%
0
Agriculture Business Others private job Total

No of respondents Percentage (%)

Interpretation:
From the above graph can be incidental that, majority (42%) of the respondents
are others (Including students).

10
 TABLE NO.6

Table Showing Location Status of the Respondents

Location Status No of respondent’s Percentage (%)

12 23%
Village

Taluk 13 25%

City 26 50%

Other 1 2%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 23%
of the respondents are From village, 25% of respondents are From Taluk, 50%
of respondents are from city, and 2%of respondents are from others.

11
 Figure No.6

Figure Showing Location Status of The Respondent’s

Location
60
52
50

40

30 26

20
12 13

10

23% 25% 50% 1 2% 100%

0
Village Taluk City Others Total

No of respondents Percentage (%)

Interpretation:

From the above graph can be incidental that, majority (50%) of the respondents
are From City.

12
 TABLE NO.7
a

Table Showing Monthly Income of the Respondents

Monthly Income No of respondent’s Percentage (%)

10K-20K 21 40%

21K-30K 10 19%

31K-40K 8 15%

41K-Above 13 25%

Total 52 100%

Analysis:

From the above table, it can be analyzed that out of 52 respondents, 40% of
respondents belongs to less than 10K-20K, 19% of respondents belongs 21K –
40K, 15% of the respondents belongs to 31K– 40K and 25% of the respondents
belongs to 41K and above category.

13
 Figure No.7
Figure Showing Monthly Income of The Respondent’s

Monthly Income
60
52
50

40

30

21
20
13
10
10 8

40% 19% 15% 25% 100%

0
10K - 20K 21K - 30K 31K - 40K 41K and above Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (40%) of the
respondent’s income level is 10K-20K

14
 TABLE NO.8
Table Showing No of Members in Family of the Respondents

No Family member No of respondent’s Percentage (%)

2 TO 4 21 40%

4 TO 6 17 33%

6 TO 8 10 19%

8 - above 4 8%

Total 52 100%

Analysis:

From the above table, it can be Examined that out of 52 respondents, 40% of
respondents belongs to less to 2-4 members in family, 33% of respondents
belongs to 4-6 members in the family, 19% of the respondents belongs to 6-8
members in the family and 8% of the respondents belongs to 8-and above
category.

15
 TABLE NO.8
Figure Showing No of Family Members of The Respondent’s

Family Members
60
52
50

40

30
21
20 17

10
10
4
40% 33% 19% 8% 100%
0
2-4 4-6 6 -8 8 and above Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (40%) of the
respondents belonging to 2 to 4 Member in their Family 33% of respondents
belongs to 4-6 members in the family, 19% of the respondents belongs to 6-8
members in the family and 8% of the respondents belongs to 8-and above
category.

16
Figure No.8

17
 TABLE NO.9
Table Showing No of Members Working In Family of the Respondents

No of working members No of respondent’s Percentage (%)

0 To 1 16 31%

1 To 2 20 38%

2 To 3 10 19%

4 And Above 6 12%

Total 52 100%

Analysis:

From the above table, it can be Examined that out of 52 respondents, 31% of
respondents belongs to 0-1 members working in the family, 38% of respondents
belongs to 1-2 members working in the family, 19% of the respondents belongs
to 2-3 members working in the family and 12% of the respondents belongs to 4-
and above members working in family.

18
 Figure No.9
Figure Showing No of Members Working in Family of the Respondent’s

No of working member in family

60
52
50

40

30

20
20 16

10
10 6
31% 38% 19% 12% 100%
0
0-1 1-2 2-3 3 and above Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (38%) of the
respondents belonging to 1 to 2 Member working in their Family.

19
 TABLE NO.10
Table Showing Method of Reason taking loans of The Respondents

Reason taking loans No of respondent’s Percentage (%)

Agriculture 12 23%

Health Expenses 6 12%

Housing Expenses 11 21%

Income generation 23 44%

Total 52 100

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 23%
of the respondents Will Make in Agriculture, 12% of respondents will make
Health Expenses, 21% of respondents will make Housing Expenses, and 44% of
respondent will make in Income generation.

20
 Figure No.10
Figure Showing No of reason taking loans Of the Respondent’s

Reason taking loans

60
52
50

40

30
23

20
12 11
10 6
23% 12% 21% 44% 100%
0
Agriculture Health Expenses Housing Expenses Income generation Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (40%) of the .-respondents
Will make in Income generation.

21
 TABLE NO.11
Table Showing Respondent - Types of Loans Provided by Annapurna
Finance

Types of Loans No of respondent’s Percentage (%)

Secured Loan 17 33%

Unsecured Individual 14 29%

Loan

Unsecured Group 15 27%

Loan

Others Loan 6 12%

Total 52 100

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 33 %
Of respondent are in Secured loan and 29% of respondent are in Unsecured
Individual Loan, 27% respondent are in Unsecured Group Loan, 12%
respondent are in Other Loan.

22
 Figure No.11
Figure Showing Types of Loans Provided by Annapurna Finance
Of the Respondents

Types of Loans Provided by Annapurna Finance

60
52
50

40

30

20 17
15 14

10 6
33% 29% 27% 12% 100%
0
Secured Loan Unsecured Group Loan Unsecured Individual Others Loan Total
Loan

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (33%) of therespondents
are in secured loans.

23
 TABLE NO.12
Table Showing Whom to Annapurna Finance is Funding of the
Respondent

Loan Types No Of Respondent Percentage (%)

Business Person 34 65%

Group Loan 18 35%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 65%,
of respondent are Business person and 35% of respondent are Group loan.

24
 Figure No.12
Figure Showing Whom to Annapurna Finance is Funding of the
Respondents

Loan types
60
52
50

40
34

30

20 18

10

65% 35% 100%

0
Business Person Group Loan Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (65%) of the respondents
are Business person.

25
 TABLE NO.13
Table Showing Most Availed Product in Annapurna Finance of the
Respondents

Products No Of Respondent Percentage (%)

Business Loan 19 37%

Group Loan 15 29%

Swastha Additional 16 31%

Loan

Others Loans 2 4%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 37%,
of respondents are Business loan and 29% of respondents are Group loan and
31% of respondents are Swastha additional loan and 4% of the respondents are
in Other Loans.

26
 Figure No.13
Figure Showing Most Availed Product in Annapurna Finance of the
Respondents

Availed Product in Annapurna Finance

60
52
50

40

30

19
20 16
15

10
2 100%
37% 29% 31% 4%
0
Business Loan Group Loan Swastha Additional Others Loans Total
Loan

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (37%) of the respondents
are Business persons.

27
 TABLE NO.14

Table Showing Respondents Mode of Payment Accepted by

Annapurna Finance

Mode of payments No Of Respondent Percentage (%)

Cash Collection 32 62%

Online Payment 20 38%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 62%,
of respondents are in Cash collections & 38% of respondents Online Payments.

28
 Figure No.14

Figure Showing Mode of Payment Accepted by Annapurna Finance

Payment Mode
60
52
50

40
32
30

20
20

10

62% 38% 100%

0
Cash Collection Online Payment Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (62%) of therespondents
are in Cash collections.

29
 TABLE NO.15

Table Showing the How Annapurna Finance Determines Eligibility for Micro Finance
Products Respondents

Eligibility No Of Respondent Percentage (%)

Income level 15 29%

Credit Score 09 17%

Business plan 07 13%

All of the Above 21 40%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 29%,
of respondent are Income Level and 17% of respondent are Credit score and
13% of respondent are Business plan and 40% of respondent are all of the
above.

30
 Figure No.15
Figure Showing the How Annapurna Finance Determines Eligibility for
Micro Finance Products Respondents

Reason taking loans

60
52
50

40

30
21
20
15
9
10 7

29% 17% 13% 40% 100%

0
Income level Credit Score Business plan All of the Above Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (40%) of therespondents
are all of the above.

31
 TABLE NO.16

Table Showing the Respondents Main Features of Micro Finance Products

Offered by Annapurna Finance

Features No Of Respondent Percentage (%)

Small loan amount 15 29%

Low Interest Rate 09 17%

Flexible repayment term 07 13%

All of the above 21 40%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 29%,
Of respondent are small loan amount and 17% Of respondent are Low interest
rate and 13% Of respondent are Flexible repayment term and 40% Of
respondent are all of the above.

32
 Figure No.16

Figure Showing the Respondents Main Features of Micro Finance

Products Offered by Annapurna Finance

Features
60
52
50

40

30

21
20
15

9
10 7

29% 17% 13% 40% 100%

0
Small loan amount Low Interest Rate Flexible repayment All of the above Total
term

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (40%) of the respondents
are All the above.

33
 TABLE NO.17

Table Showing the Respondents Key Benefits of Taking Loans.

Benefits No Of Respondent Percentage (%)

Better decision making 11 21%

skills

Chance to start the 13 25%

business

Financial Independence 17 33%

Increased self esteem 11 21%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 21%, Of
respondent are Suggested Better decision making skills, and 25% Of respondent are
Suggested Chance to start the business, and 33% of respondent are suggested Financial
Independence, and 21% of respondent are Suggested increased self-esteem.

34
 Figure No.17

Figure Showing the Respondents Key Benefits of Taking Loans.

Reason taking loans

60
52
50

40

30

20 17
13
11 11
10

21% 25% 33% 21% 100%

0
Better decision making Chance to start the Financial Independence Increased self esteem Total
skills business

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (33%) of the respondents
are financial independence.

35
 TABLE NO.18

Table showing percentage of Preference of the People Accessing Loans

Preference Loans No Of Respondent Percentage (%)

Banks 16 31%

Micro finance (NBFCS) 24 46%

Online apps 6 12%

Traditional way 6 12%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 31%,
Of respondent are preferred Banks, and 46% Of respondents are preferred
Micro finance (NBFCS) and 12% each of respondent are preferred Online apps
and 12% traditional way.

36
 Figure No.18

Figure Showing percentage of Preference of the People Accessing

Loans.

Reason taking loans

60
52
50

40

30
24

20 16

10 6 6

31% 46% 12% 12% 100%

0
Banks Micro finance ( NBFCS ) Online apps Traditional way Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (46%) of the
respondents are preferred to avail the loans in Micro finance (NBFC).

37
 TABLE NO.19

Table Showing the Respondents Rating Towards Annapurna Finance.

Ratings No Of Respondent Percentage (%)

Least Effective 8 15%

Most Effective 4 8%

Neutral 15 29%

Slightly effective 15 29%

Very Effective 10 19%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 15% each of
respondent are given rating as a Least Effective and Most Effective and 8% of
respondent are given rating of Neutral 29% and 29% of respondent are given rating as a
Slightly effective , and 19% Very Effective.

38
 Figure No.19

Figure Showing the Respondents Rating Towards Annapurna

Finance

Ratings

60
52
50

40

30

20
15 15
10
10 8
4
15% 8% 29% 29% 19% 100%
0
Least Effective Most Effective Nutural Slightly effective Very Effective Total

No of respondents Percentage (%)

Interpretation:
From the above graph it can be contingent that, majority (29%) of the respondents are
given rating of each slightly effective and natural.

39
 Figure No.20

Figure Showing the Satisfaction Level of the People Taking Loan

Respondents

Level No Of Respondent Percentage (%)

Dissatisfied 9 17%

Highly Dissatisfied 1 2%

Highly Satisfied 6 12%

Neutral 18 35%

Satisfied 18 35%

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 17%,
Of respondent are preferred Dissatisfied, and 2% Of respondents are preferred
Highly Dissatisfied and 12% each of respondent are preferred Highly Satisfied
and 35% Of respondent are preferred Neutral and 35% Of respondent are
preferred Satisfied.

40
 Figure No.20

Figure Showing the Satisfaction Level of the People Taking Loan

Respondents
Level
60
52
50

40

30

20 18 18

9
10 6
17% 1 2% 12% 35% 35% 100%
0
Dissatisfied Highly Highly Satisfied Nutural Satisfied Total
Dissatisfied

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (35%) of the respondents
are Neutral and satisfied.

41
 TABLE NO.21

Table Showing the Additional Services Provided to Micro Finance Clients

by Annapurna finance Respondents.

Services No Of Respondent Percentage (%)

Access to market 12 23%

Information

Business development 18 35%

training

Financial Literacy 4 8%
programmes

All of the above 18 35%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 23%, Of respondent are
preferred Access to market Information, and 35% Of respondents are preferred Business development
training and 8% each of respondent are preferred Financial Literacy programmes and 35% Of
respondent are preferred All of the above.

42
 Figure No.21

Figure Showing the Additional Services Provided to Micro Finance Clients

by Annapurna finance Respondents.

Services

60
52
50

40

30

20 18 18

12
10
4
23% 35% 35% 8% 100%
0
Access to market All of the above Business Financial Literacy Total
Information development programmes
training

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (35%) of the respondents
are Business development training and all of the above.

43
 TABLE NO.22

Table Showing Mitigation Strategies Employed by Annapurna Finance

to Manage Credit risk Respondents.

Mitigation Strategies No Of Respondent Percentage (%)

Setting up collateral 8 15%

requirements

Offering insurance 18 35%

products

Conducting regular follow- 18 35%

ups

All of the above 8 15%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 15% each of
respondents suggested for Setting up collateral requirements and 35% offering insurance
products and 35% each of respondents are suggested for Conducting regular follow-ups.
And 15% of respondent are preferred for all of the above.

44
 Figure No.22

Figure Showing Mitigation Strategies Employed by Annapurna Finance

to Manage Credit risk Respondents
Respondents.

Reason taking loans

60
52
50

40

30

20 18 18

10 8 8

15% 35% 35% 15% 100%

0
Setting up collateral Offering insurance Conducting regular All of the above Total
requirements products follow-ups

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (35%) of the respondents
are Offering insurance products & conducting regular follow-ups.

45
 TABLE NO.23

Table Showing Problems Faced by the customer by The

Respondents.
Problems No Of Respondent Percentage (%)

High Interest rate 11 21%

Lack of financial literacy 11 21%

Limited availability 22 42%

Timely un availability 8 15%

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 21% of
respondents are High Interest rate and 21% each of respondents are Lack of financial
literacy and 42% of respondents are Limited availability, and 15% of respondents are
Timely un availability.

46
 Figure No.23

Figure Showing Problems Faced by the customer

Problems
60
52
50

40

30
22
20

11 11
10 8

21% 21% 42% 15% 100%

0
High Interest rate Lack of financial Limited availability Timely un availabality Total
literacy

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (22%) of therespondents
are Limited availability.

47
 TABLE NO.24
Table showing respondents Common Challenges Faced by Customers
in the Study area.
Challenges No Of Respondent Percentage (%)

High interest rates 29 56%

Lack of financial 23 44%

literacy

Total 52 100%

Analysis:

From the above table it can be examined that, out of the 52 Respondents, 56%
of respondents are faced challenges in high interest rates and 44% of
respondents are faced challenges in lack of financial literacy in availing loans.

48
 Figure No.24

Figure Showing Common Challenges Faced by Customers in the Study

area.

Reason taking loans

60
52
50

40

29
30
23

20

10

56% 44% 100%

0
High interest rates Lack of financial literacy Total

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (56%) of therespondents
are High rates interest.

49
 Figure No.25

Figure Showing Reasons for Rejecting Loan in Annapurna finance.

Rejections No Of Respondent Percentage (%)

Credit Score Below 11 21%

700

Individual with No 12 23%

Business

Minimum Age 20+ 13 25%

Obligation More 16 31%

than 10K

Total 52 100%

Analysis:
From the above table it can be examined that, out of the 52 Respondents, 21% of
respondents given feedback of Credit Score Below 700 and 23% of respondents given
Individual with No Business and 25% of respondents given feedback of Minimum Age
20+ and, 31% of respondents given feedback of Obligation More than 10K.

50
 Figure No.25

Figure Showing Reasons for Rejecting Loan in Annapurna finance.

Reason taking loans

60
52
50

40

30

20 16
12 13
11
10

21% 23% 25% 31% 100%

0
Credit Score Below 700 Individual with No Minimum Age 20+ Obligation More than Total
Business 10K

No of respondents Percentage (%)

Interpretation:

From the above graph it can be contingent that, majority (31%) of the respondents
are Minimum age 20 above.

51
52