Annexure - II

QUESTIONNAIRE -1
“A Study of Impact of Savings and Investment Policies on
Working Women in Dharwad District”

Instructions:
Please fill up or mark {/) against the given options as the case may be.
I. Socio-Economic Background:
Name and address :

Age 20-30 30-40

40-50 ^0-60

Marital status Mamed Unmarried

Others

Size of family Small Medium

Large

Domicile Rural Urban

Annual income Rs. > 1 lakh Rs. 1-2 lakh

Rs. 2-3 lakh Rs. 3-4 lakh
Rs. 4-5 lakh Rs. < 5 lakh

Education SSLC Graduates

Post- Professionals
graduate ----

Length of Service >10 years 10-15 yrs

15-20 yrs 20-25 yrs
25-30 yrs < 30 yrs

Occupational status Teachers/ Doctors /

Lectures ---- — Engineers
Officers Clerks /
others
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II Preferences and styles of saving and investment behaviour
1. What is your annual savings?
1. Less than Rs. 25,000 2. Rs. 25,000-50,000
3. Rs.50,000-75,000 4. Rs.75,000-1,00,000
5. More than Rs. 1,00,000

2. What are your motivators of savings?

1. To meet specific purpose 2. To get tax benefits
3. To earn income 4. To be secured at old age
5. To meet contingent expenses

3. Which factors do you consider for increasing the size of savings?

1. Increase in salary | 1 2. Additional
income/increments ____
3. Statutory requirements | | 4. Future needs
5. Tax benefits i----- 1

How much savings do youuse for yourself ?

1. Less than 10% 2. 10-20%
3. 20-30% 4. 30-40% 5. More than 50%

5. Which of these do you prefer to invest?

1. Bank Deposits
2. Post Office RD, NSC, Recurring and Fixed deposits
3. Insurance Policies
4. Govt. Securities i.e. RPF, KGID, PF GPF/PPF
5. Others

6. What is your investment trend in the recent years?

Trend in Savings/Investment Amount
SI. Saving & Investment
Remaining
No Schemes Increasing Decreasing
Constant
1 Bank Deposits
2 Post Office Deposits
3 Life Insurance Policies
4 Govt. Securities
5 Other (if any)

7. What is the time horizon of your investments?

1. Long-term | | 2. Medium-term
(More than ten yrs) (More than 5 yrs.)
3. Short-term | | 4. Very short-term
(More than 1 yrs) ___ (Less than one yrs)
5. As per convenience |___ |

8. Whose advice do you take while investing?

1. Husband & family members I I 2. Company agents
3. Friends & colleagues | 4 Financial advisors
5. Self decision

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III. Awareness

1. Where do you get information for your investment?

1. T.V.& Radio 2. Journals & Magazines
3. Organization Reports 4. Agents & Advisors
5. Family Members and Colleagues

2. Which of the following initiatives do you recommend to create awareness among

working women about investment?
1. Training programmes 2. Advertisements
3. Workshops & seminars 4. Investors’ meets
5. Social welfare programmers

3. How many of the following schemes are you aware of?

Please put (V) mark at appropriate column

SI. Fully Just Not

Savings & Investment Schemes
No aware aware aware
1 Infrastructure bonds
2 Mutual Funds
3 Gold Bonds
4 HDFC(Housing plan)
5 S.B.I Life
6 Met Life
7 Bajaj Allianz Schemes
8 Future India (Relief bonds)
9 IDBI bonds

4. Do you invest in any one of the following schemes specially meant for women?
1. LIC’s Jeevan Bharathi
2. SBI Bhagya Rekha Deposits Schemes
3. Post Office RD Schemes
4. LIC’s New Janaraksha Plan
5. Others (specify)

5. What type of investment plan do you prefer in future?

1. Regular return plan 2. Medical plan
3. Pension plan 4. Specific purpose plan
5. Multiple option plan

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IV. Social and Economic Impact;
1. Strongly Agree 2. Agree
3. Uncertain 4. Disagree
5. Strongly Disagree

SL Statement Response Score 1-5

No 1-SA 2-A 3-PA 4-SD 5-D
I Economic Indicators
1 Savings & investment increase my
family income
2 It helps to maintain high standard of
living
3 I invest for the purpose of availing the
tax exemption
4 It improves my capacity to acquire
financial and physical assets
5 It encourages me to plan well in
advance to provide higher/professional
education and training to children
6 It helps me to plan luxurious holiday
trips with my family
II Social Indicators
1 It enables me to enjoy a sense of
independence in future
2 It creates a sense of confidence and
awareness about future
3 It strengthens my ability to use money
properly
4 Family members consider my advice
and suggestions on financial matters
5 It encourages me to offer advice to my
friends and relatives in financial
matters
6 It encourages me to participate in social
welfare and charitable activities
III Quality of Life
1 It increases my ability to support my
family in providing nutritious food and
timely health care
2 It increases my ability to meet
unexpected medical expenditure
3 It enhances my ability to provide higher
qualification at abroad
4 It enables me to decorate and furnish
my house
5 It enables me to purchase gold and
precious ornaments for family members
6 My financial strength on account of
savings and investments gets me a
social recognition

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V Suggestions:

1. Do you feel the existing investment schemes are adequate/comprehensive?

1. More than adequate 2. Sufficient
3. Not sufficient

2. Are you satisfied with present investment schemes?

1. Yes I 2. No

3. Do you want any special schemes to meet your needs?

1. Yes ---------------- 1 T

4. Which of these special provisions to you need to boost up your investments ?

1. Extra incentives
2. Additional bonus
3. High rate of interest HHHH
4. Tax concession _______
5. High retirement benefits 1

5. What suggestion would you like to offer for popularizing savings and investment
schemes among working women?

1. Special schemes for working women

2. Offering additional bonus
3. Additional tax incentives
4. Offering specific schemes for children’s
education/marriage etc.
5. Attractive pension schemes

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 QUESTIONNAIRE - II
“A Study of Impact of Savings and Investment Policies on
Working Women in Dharwad District”

Profile of the Organization

• Name of the Organization :_________________________

• Investment coverage (area) :________________________

1. What is the vision of savings?

2. Proportional share of male and female investor in your business.

75:25 50:50 25:75

3. How does your organization create awareness about investment schemes for
working woman?
1. Short term training programs I I
2. Organizing investment melas I 1
3. Conducting workshops and seminars f........... 1
4. Advertisement | j
5. Conducting competition r----------- 1

4. Which of these technology enabled services?

1. Own website
2. On line service
3. Electronic services (ATM)

5. In what way do you think that the electronic media assist the working women?
1. Fastens the investment process r~~~
2. Provides exhaustive information ________
3. Reduces transaction costs ________
4. Improves quality of service [___

6. Which factor(s) do you think are the key influencing factors on women investors?
(Write preference number 1-5)
1. Returns I 1
2. Safety I 1
3. Liquidity I 1
4. Confidence I 1
5. Services I. .... -..J

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7. What are the factors considered by male and female investors at the time of
investment?
(Put the number 1-5 against each variables where,)
1. Very little 2. Little
3. Neutral 4. Much
4. Very much

SI.
Variables Male investor Female investor
No
1 Safety
2 Time perspective of decision
3 Risk bearing
4 Source of information
5 Regular return
6 Avenues of selection
7 Size of investment
8 Premature withdrawal

8. Who are wise investors? Male Female Both

9. Please list out the specialties of preferences/styles of working women.

(Give your opinion)

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