A STUDY ON EDUCATIONAL LOAN PROVIDED BY COMMERCIAL BANKS IN KERALA INTERVIEW SCHEDULE TO THE BENEFICIARIES

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1 A STUDY ON EDUCATIONAL LOAN PROVIDED BY COMMERCIAL BANKS IN KERALA INTERVIEW SCHEDULE TO THE BENEFICIARIES Please mark your option as 1, 2, 3. Within the column provided Eg. 1 I Personal Profile: Identification number 2. District :(1) Trivandrum, (2) Ernakulum, (3) Kozhikode 3. Financing Bank :(1) Public, (2) Private, (3) New Generation 4. Name of the student :.. 5. Area of residence : (1) Urban, (2) Semi urban, (3) Rural 6. Gender : (1) Male, (2) Female 7. Caste : (1) F.C., (2) ST/SC, (3) OBC 8. Parental occupation : (1) Business, (2) Agriculture, (3) Self employed,(4) Professional, (5) NRI, (6). Others (specify). 9. Annual income of the Family :(1) Below ` 50,000, (2) ` 50,000-2 Lakh, (3) ` 2, lakh- 5, lakh, (4) above ` 5, lakh. 10. Nature of course :(1) Medical, (2) Engineering, (3) Management, (4) Other professional courses, (5) Foreign courses. (6) Others (specify). 11. Nature of institution : (1) Govt:, (2) Aided, (3) Unaided. xvii

2 II. Awareness 12. How did you come to know about Educational loan? :(1) Friends &Relatives, (2) Media, (3) Bank, (4) Educational institution, (5) Local Politicians, (6) Others (specify) 13. By whom you were motivated to avail Educational Loan :(1) Friend & relatives, (2) Local politicians (3) Bank officials, (4)Educational Institution (5) Others (specify) What prompted you to avail educational loan from commercial bank? (1) Cheap and assured loan of government (2) Publicity by bank (3) Advertisements in Media (4) Recommendation of local politicians (5) Highly indebted to other loans (6)No coercion/treat for repayment by bank xviii

3 Please state your Level of Awareness regarding the following related to educational loan [(1) Fully Aware (2) Somewhat Aware (3) No Knowledge] 15. Pre- conditions for sanction 16. Borrowing limit 17. Repayment period 18. Rate of interest III. Financial arrangement 19. Source of financial arrangement to begin the course of study till the sanctioning of loan (1) Family saving, (2) friends and relative (3) Other Informal financial institutions (4) Sale of Assets of the family (5) Other sources (please specify). 20. Nature of security offered : (1) No security, (2) Third party guarantee (3) Deposit title deeds, (4) Land and Building (5) Others (specify) 21. Adequacy of loan amount :(1) Adequate (2) Inadequate (3) No opinion xix

4 22. How did you utilize the loan : (1) Fully for Educational expenses (2) Partially for educational expenses (3) For some other urgent needs 23. If you had not fully utilized the loan for education, state the reasons for it? :(1) Had to repay other old debts (2) Consumption needs (3) Unexpected events (4) Discontinued the course (5) Others (pl.specify) Please state the percentage of commercial bank financing to the following: [Expenses: (1) Less than 25%, (2) 25%-50%, (3) 50%-75%, (4) 75%- 100%] 24. Pre admission expense 25. Post admission expenses 26. Private cost of student 27. If 100% of cost is not met by banks, what is the major source of funds other than bank loan? (1) Savings of famil(2) Sale of property (3) Borrowing from relatives (4) Other institutional arrangement (5) Borrowing from money lenders xx

5 28. Please state the nature of Loan disbursement : (1) One time settlement (2) Installments 29. How did they disburse the loan? (1) Directly to the student/parent (2) To the educational institution (3) Partly to student & partly to the educational institution 30. When did you receive the loan amount? (1) Well in advance (2) Before starting the course (3) After starting the course (4) During the period of course (5) After completion of the course State your level of Agreement with regard to the following: [(5) Strongly agree, (4) Agree, (3) Neither agree nor disagree, (2) Disagree, (1) Strongly disagree] 31. The living conditions & household income are considered by the Bank for sanctioning the maximum amount of EL. 32. Pendency status of the student is considered by the Bank for sanctioning the maximum amount of loan 33. Total Years of education is considered by financial institution for sanctioning maximum amount of educational loan xxi

6 34. Type of education is considered by the bank for maximum amount of educational loan 35. Level of student performance is considered by financial institution for sanctioning the loan 46. If you are irregular/defaulter, state the number of defaults made. (1) One (2) two (3) three (4) four (5) more than four 47. Adequacy of moratorium period : (1) Adequate, (2) Inadequate, (3) No opinion 48. Adequacy of Interest subsidy during the moratorium period :(1) Adequate, (2) Inadequate, (3) No opinion 49. What is your opinion about commercial bank official s involvement in the recovery of educational loan? (1) Quite satisfied, (2) Somewhat satisfied, (3) Not at all satisfied 50. Have you ever faced any threat from banks agents in the recovery of Educational loan? :(1) Yes, (2) No 51. If You are regular in repayments, please rank the factors that had motivated to repay the loan installment regularly. (1) Adequate income (2) Self esteem (3) Fear of action (4) To avail further loan (5) Others (Pl. specify) xxii

7 52. Please state the major Source of repayment: (1) Salary income, (2) Income from other family members, (3) Loan from money Lenders /Banks, (4) Others (Pls specify) 53. If you are irregular/defaulter, Please rank the reasons for default in the order of priority 1. Awaiting for Government decision to waive off Educational loans. 2. Better to pay penal interest than to take loan for repayment 3. No reminder received from the bank 4. Delay in completing course 5. Inadequate salary 6. Income spent on some unforeseen events 7. EMI fixed is too high. 8. Delay in getting job 9. Discontinued the course 54. Please rank your major suggestions to reduce the default rate in education loan? 1. Liberal repayment schedule 2. Close follow- up by banks 3. Linking repayment with that of Job/employment 4. Stringent action against defaulters 5. Banks initiative for more campus recruitment programmes 6. Others. Specify xxiii

8 55. Period of waiting to get a good job (1)Nil, (2) about 3months, (3) 3-6month, (4) 6months -1yr, (5) 1-3yrs, (6) more than three years State your level of satisfaction regarding the following aspects related to Educational Loan. [(5) Highly satisfied, (4) Satisfied, (3) Neither satisfied nor dissatisfied, (2) Dissatisfied, (1) highly dissatisfied] Item Level of Satisfaction 56. Adequacy of loan amount 57. Attitude of bank managers 58. Attitude of bank staff 59. Procedures and process 60. Security requirements 61. Timely sanction 62. Timely disbursement 63. Rate of Interest 64. Fixation of EMI 65. Repayment period 66. Attitude of Educational institution 67. Mode of Disbursement of loan xxiv

9 State the improvement in the following in your family when compared with pre-loan status: [(1) No Improvement, (2) Slightly Improved, (3) Improved] 68. Food 69. Clothing 70. Housing 71. Recreation facilities 72. Education 73. Savings 74. Home appliances 75. Other assets 76. Reduction of Indebtedness 77. Employment 78. Income Economic empowerment Educational loan has benefited you in the following areas. Do you agree? [(5) Strongly agree, (4) Agree, (3) Neither agree Nor disagree, (2) Disagree, (1) Strongly disagree] 79. Greater access to finance 80. Enhanced their income earning capacity 81. Increased their job / self employment prospects 82. Increased their saving habits 83. Realized the importance of financial institution xxv

10 84. Reduced their dependence on local money lenders 85. Financial self reliance 86. Economic independence Personal Empowerment 87. Better education 88. Social status 89. Decision making power 90. Leadership quality 91. Improved communication Skill 92. Access to service providing institution like banks, Government offices etc. 93. Enhanced interpersonal skill 94. Earning greater respect at home 95. Self confidence 96. Skill up gradation 97. Improvement in Health 98. Consciousness of right Political empowerment 99. Political awareness 100. Participation in political activities 101. Membership in political parties 102. Participation in panchyat raj institution xxvi

11 103. Understanding the political environment Familial empowerment 104. Better education to other members in family 105. Improvement in basic facility 106. Greater respect for the family in the society 107. Avoiding family quarrel over money 108. Medical care to family members 109. Problems faced during the pre loan sanction period [(1) Yes, (2) No)] 1. Political interference 2. Inaccessibility to bank manager 3. Repeated visit to the banks 4. Procedural delays and complicated formalities 5. Delay in appraisal of the proposal and hence sanctioning of loan 6. Lack of proper guidance/ advice by the field officer 7. Unfriendly attitude of the bank staff 8. Delay in arranging guarantor/ proving collateral security 9. High transaction cost of borrowing 10. Others (specify) xxvii

12 110. Please state the problems faced during the post loan sanction stage (rank in the order of priority) 1. Lack of guidance 2. Non availability of timely inputs 3. Frequent interference from bank officials 4. No proper follow up by bank officials 5. Unfavorable attitude of educational institutions 6. Other extraneous factors 111. Please offers your suggestions to reduce the problems in Education loan disbursements. (Please rank any three in the order of priority) Linking repayment with Job/unemployment insurance More interest subsidy Refinancing facility to commercial banks Placement service by banks Stringent action against willful defaulters/ Mis utilizes Enhanced financing including the private cost of students Specialized branches as in the case of SME braches Others, pl. specify. xxviii

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