They have been created with a read to serve primarily the agricultural areas of India with basic banking and monetary services

From the Anova table F-values are .832, .270, 1.282, 4.085 and p values are .476, .847,.279, .007 which is >0.05 level of significance, hence accept the null hypothesis and conclude that there is no significant mean difference between the Service factors in Banks and Annual income of the consumer. Post Hoc Tests LSD Dependent Variable Mean Difference (I-J) Std. Error Sig. Farmers Perception of banking services Below 3 3.1 to 5 -.01338 .03649 .714 5.1 to 10 .03272 .04121 .428 Above 10 .02025 .04241 .633 3.1 to 5 Below 3 .01338 .03649 .714 5.1 to 10 .04609 .03171 .147 Above 10 .03363 .03325 .312 5.1 to 10 Below 3 -.03272 .04121 .428 3.1 to 5 -.04609 .03171 .147 Above 10 -.01246 .03837 .745 Above 10 Below 3 -.02025 .04241 .633 3.1 to 5 -.03363 .03325 .312 5.1 to 10 .01246 .03837 .745 Service Quality of Banking Services Below 3 3.1 to 5 -.01238 .03421 .717 5.1 to 10 -.01716 .03863 .657 Above 10 .01123 .03975 .778 3.1
to 5 Below 3 .01238 .03421 .717 5.1 to 10 -.00478 .02973 .872 Above 10 .02362 .03117 .449 5.1 to 10 Below 3 .01716 .03863 .657 3.1 to 5 .00478 .02973 .872 Above 10 .02839 .03597 .430 Above 10 Below 3 -.01123 .03975 .778 3.1 to 5 -.02362 .03117 .449 5.1 to 10 -.02839 .03597 .430 Performance of Banking Services Below 3 3.1 to 5 -.04952 .04062 .223 5.1 to 10 -.05112 .04587 .265 Above 10 -.09250 .04721 .050 3.1 to 5 Below 3 .04952 .04062 .223 5.1 to 10 -.00160 .03530 .964 Above 10 -.04298 .03702 .246 5.1 to 10 Below 3 .05112 .04587 .265 3.1 to 5 .00160 .03530 .964 Above 10 -.04138 .04271 .333 Above 10 Below 3 .09250 .04721 .050 3.1 to 5 .04298 .03702 .246 5.1 to 10 .04138 .04271 .333 Farmers Satisfaction of Banking Services Below 3 3.1 to 5 -.04193 .04758 .378 5.1 to 10 -.02887 .05373 .591 Above 10 -.16832* .05529 .002 3.1 to 5 Below 3 .04193 .04758 .378 5.1 to 10 .01306 .04135 .752 Above 10 -.12639* .04336 .004 5.1
to 10 Below 3 .02887 .05373 .591 3.1 to 5 -.01306 .04135 .752 Above 10 -.13945* .05003 .005 Above 10 Below 3 .16832* .05529 .002 3.1 to 5 .12639* .04336 .004 5.1 to 10 .13945* .05003 .005 *. The mean difference is significant at the 0.05 level. Table: 7.6 One way Descriptive Type of Account and Banking services Service factors in Banks N Mean Std. Deviation Std.
Error Farmers Perception of banking services Savings account 318 3.9797 .30999 .01738 Current account 78 4.0085 .31921 .03614 Salary account 250 3.9707 .34312 .02170 Loan account 54 3.9691 .26384 .03590 Total 700 3.9789 .31961 .01208 Service Quality of Banking Services Savings account 318 3.8197 .29183 .01636 Current account 78 3.7949 .34312 .03885 Salary account 250 3.8100 .29424 .01861 Loan account 54 3.8179 .30504 .04151 Total 700 3.8133 .29925 .01131 Performance of Banking Services Savings account 318 3.8582 .35590 .01996 Current account 78 3.8795 .33082 .03746 Salary account 250 3.9132 .34622 .02190 Loan account 54 3.8222 .42589 .05796 Total 700 3.8774 .35611 .01346 Farmers Satisfaction of Banking Services Savings account 318 3.7407 .41286 .02315 Current account 78 3.6994 .45834 .05190 Salary account 250 3.8573 .39725 .02512 Loan account 54 3.7325 .45507 .06193 Total 700 3.7771 .41963 .01586 ANOVA Service factors in Banks Sum of Squares DF Mean Square F Sig. Farmers Perception of banking services Between Groups .091 3 .030 .296 .829 Within Groups 71.313 696 .102 Total 71.404 699 Service Quality of Banking Services Between Groups .043 3 .014 .161 .923 Within Groups 62.552 696 .090 Total 62.595 699 Performance of Banking Services Between Groups .603 3 .201 1.588 .191 Within Groups 88.041 696 .126 Total 88.643 699 Farmers Satisfaction of Banking Services Between Groups 2.608 3 .869 5.021 .002 Within Groups 120.478 696 .173 Total 123.086 699 H0: There is no significant mean difference between the Service factors in Banks and Nature of account H1: There is a significant mean difference between the Service factors in Banks and Nature of Account The above table shows Farmers Perception of e-banking services average mean of Savings Accounts 3.9797 and standard deviation.30999, Current Account mean average 4.0085 and standard deviation is .31921, Salary Account mean average 3.9707, standard deviation .34312, Loan account mean average 3.9691 and standard deviation .26384. Service Quality of Banking Services average mean of Savings Account 3.8197 and standard deviation .29183, Current Account mean average 3.7949 and standard deviation is .34312, Salary Account mean average 3.8100, standard deviation .29424 Loan account mean average 3.8179 and standard deviation .30504, Performance of Banking Services average mean of Savings Account 3.8582 and standard deviation .35590, Current Account mean average 3.8795 and standard deviation is .33082, Salary Account mean average 3.9132, standard deviation .34622 Loan account mean average 3.8222 and standard deviation .42589, Farmers Satisfaction of E-Banking Services average mean of Savings Account 3.7407 and standard deviation .41286, Current Account mean average 3.6994 and standard deviation is .45834, Salary Account mean average 3.8573, standard deviation .39725 Loan account mean average 3.7325 and standard deviation .45507. From the Anova table F-values are .296, .161, 1.588, 5.021 and p values are .829, .923, .191,.002 which is >0.05 level of significance, hence accept the null hypothesis and conclude that there is no significant mean difference between the Service factors in Banks, with Customer satisfaction of banking Services p value is 0.002 <0.05 there is a significant difference with type of account. Table: 7.7
One way Descriptive Frequent visits and perception of Banking Services Service factors in Banks N Mean Std. Deviation Std. Error Farmers Perception of banking services 1 to 2 Times 292 3.9680 .29833 .01746 2 to 3 Times 236 3.9459 .33740 .02196 3 to 4 Times 139 4.0272 .32486 .02755 Above 4 Times 33 4.1077 .30742 .05352 Total 700 3.9789 .31961 .01208 Service Quality of Banking Services 1 to 2 Times 292 3.8276 .30782 .01801 2 to 3 Times 236 3.8037 .28518 .01856 3 to 4 Times 139 3.8267 .29913 .02537 Above 4 Times 33 3.6995 .30756 .05354 Total 700 3.8133 .29925 .01131 Performance of Banking Services 1 to 2 Times 292 3.8438 .36098 .02112 2 to 3 Times 236 3.9068 .34375 .02238 3 to 4 Times 139 3.9029 .35467 .03008 Above 4 Times 33 3.8576 .39372 .06854 Total 700 3.8774 .35611 .01346 Customer Satisfaction of Banking Services 1 to 2 Times 292 3.6819 .43745 .02560 2 to 3 Times 236 3.8206 .39500 .02571 3 to 4 Times 139 3.8593 .38643 .03278 Above 4 Times 33 3.9630 .39349 .06850 Total 700 3.7771 .41963 .01586 ANOVA Service factors in Banks Sum of Squares DF Mean Square F Sig. Consumer's Perception of e-banking services Between Groups 1.164 3 .388 3.844 .010 Within Groups 70.240 696 .101 Total 71.404 699 Service Quality of E-Banking Services Between Groups .534 3 .178 1.997 .113 Within Groups 62.061 696 .089 Total 62.595 699 Performance of E-Banking Services Between Groups .636 3 .212 1.676 .171 Within Groups 88.008 696 .126 Total 88.643 699 Customer Satisfaction of E-Banking Services Between Groups 5.174 3 1.725 10.179 .000 Within Groups 117.913 696 .169 Total 123.086 699 H0: There is no significant mean difference between the Services factors in Banks and frequently visit to bank H1: There is a significant mean difference between the Service factors in Banks and frequently visit to bank The above table shows Farmers Perception of banking services average mean of Frequently visit to bank 1-2 times is 3.9680 and standard deviation .29833, 2-3 times mean average 3.9459 and standard deviation is .33740, 3-4 times mean average 4.0272 and standard deviation .32486, Above 4 times mean average 4.1077 and standard deviation .30742.
Service Quality of Banking Services average mean of Frequently visit to bank 1-2 times is 3.8276 and standard deviation .30782, 2-3 times mean average 3.8037 and standard deviation is .28518, 3-4 times mean average 3.8267 and standard deviation .29913, Above 4 times mean average 3.6995 and standard deviation .30756, Performance of Banking average mean of Frequently visit to bank 1-2 times is 3.8438 and standard deviation .36098, 2-3 times mean average 3.99068 and standard deviation is .34375, 3-4 times mean average 3.9029 and standard deviation .35467, Above 4 times mean average 3.8576 and standard deviation .39372, Customer Satisfaction of Banking Services average mean of Frequently visit to bank 1-2 times is 3.6819 and standard deviation .43745, 2-3 times mean average 3.8206 and standard deviation is .39500, 3-4 times mean average 3.8593 and standard deviation .38643, Above 4 times mean average 3.9630 and standard deviation .39349.
From the Anova table F-values are 3.844, 1.997, 1.676, 10.179 and p values are 0.010, 0.113, 0.171,0.000 (2nd and 3rd service factors) which is >0.05 level of significance, hence accept the null hypothesis and conclude that there is no significant mean difference between the Service factors in Banks and frequently visit to bank. Factor 1st and 4th p values .010 and .000 <0.05 reject the null hypothesis and conclude that there is a significant mean difference between the Service factors in Banks and frequently visit to bank LSD Dependent Variable Mean Difference (I-J) Std. Error Sig. Consumer's Perception of e-banking services 1 to 2 Times 2 to 3 Times .02218 .02781 .425 3 to 4 Times -.05914 .03274 .071 Above 4 Times -.13971* .05834 .017 2 to 3 Times 1 to 2 Times -.02218 .02781 .425 3 to 4 Times -.08132* .03397 .017 Above 4 Times -.16189* .05904 .006 3 to 4 Times 1 to 2 Times .05914 .03274 .071 2 to 3 Times .08132* .03397 .017 Above 4 Times -.08057 .06152 .191 Above 4 Times 1 to 2 Times .13971* .05834 .017 2 to 3 Times .16189* .05904 .006 3 to 4 Times .08057 .06152 .191 Service Quality of E-Banking Services 1 to 2 Times 2 to 3 Times .02395 .02614 .360 3 to 4 Times .00089 .03077 .977 Above 4 Times .12813* .05484 .020 2 to 3 Times 1 to 2 Times -.02395 .02614 .360 3 to 4 Times -.02307 .03193 .470 Above 4 Times .10418 .05550 .061 3 to 4 Times 1 to 2 Times -.00089 .03077 .977 2 to 3 Times .02307 .03193 .470 Above 4 Times .12724* .05782 .028 Above 4 Times 1 to 2 Times -.12813* .05484 .020 2 to 3 Times -.10418 .05550 .061 3 to 4 Times -.12724* .05782 .028 Performance of E-Banking Services 1 to 2 Times 2 to 3 Times -.06294* .03113 .044 3 to 4 Times -.05904 .03664 .108 Above 4 Times -.01374 .06531 .833 2 to 3 Times 1 to 2 Times .06294* .03113 .044 3 to 4 Times .00390 .03802 .918 Above 4 Times .04920 .06609 .457 3 to 4 Times 1 to 2 Times .05904 .03664 .108 2 to 3 Times -.00390 .03802 .918 Above 4 Times .04530 .06886 .511 Above 4 Times 1 to 2 Times .01374 .06531 .833 2 to 3 Times -.04920 .06609 .457 3 to 4 Times -.04530 .06886 .511 Customer Satisfaction of E-Banking Services 1 to 2 Times 2 to 3 Times -.13873* .03603 .000 3 to 4 Times -.17743* .04241 .000 Above 4 Times -.28108* .07559 .000 2 to 3 Times 1 to 2 Times .13873* .03603 .000 3 to 4 Times -.03869 .04401 .380 Above 4 Times -.14234 .07650 .063 3 to 4 Times 1 to 2 Times .17743* .04241 .000 2 to 3 Times .03869 .04401 .380 Above 4 Times -.10365 .07970 .194 Above 4 Times 1 to 2 Times .28108* .07559 .000 2 to 3 Times .14234 .07650 .063 3 to 4 Times .10365 .07970 .194 *. The mean difference is significant at the 0.05 level. 8. FINDINGS, CONCLUSION AND RECOMMENDATIONS FINDINGS AND CONCLUSION 1.
It is observed 125 (15%) of customers are in the age group of 21-30, 343 (40%) of customers are in the age of 31-40, 277 (33%) in the age group of 41-50, 85 (10%) are 51-60 and least 20 (2%) are old age people. It clearly shows, the age groups of 21 to 40 are actively participating in farming activities 2. It found 785 (92.4%) of customers married and 65 (7.6%) are unmarried. It shows in the village the married age is less compared to the metropolitan areas 3.
It is observed most of the customers are agriculture 483 (56.82%). From the table, it is evident that 235(27.5%) are private employees. 132 (15.53%) are Business. It clearly shows that the most of them are depend on the agriculture compare to other professions. 4. It is observed that, 55(6.4%) are post graduates, 235 (27.5%) are graduates and highest 560 (65.88%) is school students. It clearly indicates that the maximum number of farmers having inter/school basic qualification. 5.
The income of the farmers explains social and capacity of the persons. It is the direct measurer of farmer's potential investment on the land farming. The above table revels that 267 (31.41%) of farmers yearly income is above below 1,00,000 285 (33.53%) of the farmers are below 1,50,000 , 189( 22.24%) farmers below 2,00,000 and 109 (12.32%) farmers income is above 2,0,000 it shows farmers yearly income less compared to other category employees, they may required more loans from the financial institutions for farming. 6. It depicts that, 427 (50.24%) of farmers family size is 5 to 6. It shows in the villages still combined family system exists. 265(31.18%) are having 3 to 4 member, 125 (14.71%) families having up to 2 members and Very negligible percentage of farmers 33 (3.88%) has more than six members in their family.
7. The 85 (56.67%) of employees are male and 65 (43.33 %) of employees are female. It clearly shows that Male is slightly higher compare to the female in the bank 8. It shows 38 (25.33%) of employees are in the age group of 25-30 44 (29.33%) of employees are in the age of 31-40, 38 ((25.33%) in the age group of 41-50, 30 (20%) are above 51years of age 9.
shows the educational qualification of the employees of the banks as the basic qualification is degree we can see 105 (70%) employees are graduates and 45 (30%) are post graduates in all categories of the employees 10. The designation of the bank employees, managers are 45 (30%), Senior Managers re 20 (13.33%), 38 (25.33%) are Asst. Managers, 27 (18%) are Sr. Account Officer and remaining 20 (13.33%) are clerks, for the reliability information higher officials were considered. 11.
The observed frequencies from each option, i.e. out of total 850 respondents out of this 158 (18.59%) are Proximity, 197 (23.17%) are Reputation, 165 (19.41%) are Range of services, 164 (19.32%) are Quality of services and 166 (18.7%) are Net banking services. 12. The observed frequencies from each option, i.e. out of total 850 respondents out of this 225 (26.5%) are have saving account, 131 (15.4%) are salary account, 336 (39.5%) are loan account, and 158 (18.6%) are current account. As the Grameena banks are providing crop loans to the farmers the loan accounts are more i.e. nearly 40% as compared to other type of the accounts.
13. 14. The frequencies from each option, i.e. out of total 850 respondents out of this 175 (20.59%) are 1 to 3 times, 186 (21.89%) are 4 to 6, 336 (39.5%) are 7 to 9, and 158 (18.6%) are more than 9 times. All the farmers are frequently visiting the bank for the transaction. 15. The frequencies from each option, i.e. out of total 850 respondents out of this 351 (41.3%) are 1 to 2 years, 228 (26.8%) are 2 to 3, 175 (20.6%) are 3 to 4, and 96 (11.30%) are more than 4 years.
It shows farmers are started using e-banking recently, they are not acquainted the online banking at the present, banks authorities should motivate them to use e-banking frequently. 16. It representing that from the tested scale i.e. Frequency of transactions, the observed frequencies from each option, i.e. out of total 850 respondents out of this 228 (26.8%) are daily, 351(4130%) are weekly, are 175 (20.60%) fortnightly, and 96 (11.30%) are monthly. 17.
It representing that from the tested scale i.e. Time of Cash deposit is observed frequencies from each option, i.e. out of total 850 respondents out of this 487 (57.3%) are 0-15mins, 288 (33.9%) are 15-30mins, 75 (8.8%) are 30-45mins, 0 (0%) are 45-60mins and 0 (0%) are more than 1 hour. 18. The tested scale i.e.
Time of Cash withdrawal is observed frequencies from each option, i.e. out of total 850 respondents out of this 280 (33.0%) are 0-15mins, 358 (42.1%) are 15-30mins, 147 (17.3%) are 30-45mins, 43 (5.1%) are 45-60mins and 22 (4.4%) are more than 1 hour. 19. It shows that from the tested scale i.e. Time of Demand draft is observed frequencies from each option, i.e. out of total 850 respondents out of this 280 (33.0%) are 0-15mins, 358 (42.1%) are 15-30mins, 147 (17.3%) are 30-45mins, 43 (5.1%) are 45-60mins and 22 (44.4) are more than 1 hour. 20.
Time of Account statements are observed frequencies from each option, i.e. out of total 850 respondents out of this 198 (23.30%) are 0-15mins, 337 (39.65%) are 15-30mins, 155 (18.20%) are 30-45mins, 103 (12.1%) and 57 (6.7%) are more than 1 hour. 21. It is found that the chi-square test value 49.604 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Accuracy bill” while strong relationships, and is dependent on the type of the organization. 22. It is establish that the chi-square test value 70.750 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00, is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor “Account Records”, while strong relationships, and is dependent on the type of the organization 23. The chi-square test value 47.545 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Reliable message” while strong relationships, and is dependent on the type of the organization. 24. The chi-square test value 155.528 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Transaction charges” while strong relationships, and is dependent on the type of the organization 25. It is found that the chi-square test value 36.821 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Safe transactions” while strong relationships, and is dependent on the type of the organization. 26. The chi-square test value 22.410 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Error-free” while strong relationships, and is dependent on the type of the organization. 27. That the chi-square test value 33.443 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Service promise” while strong relationships, and is dependent on the type of the organization. 28. It is found that the chi-square test value 52.273 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Equipment and arrangements” while strong relationships, and is dependent on the type of the organization. 29. The chi-square test value 51.843 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Sufficient open tellers” while strong relationships, and is dependent on the type of the organization. 30. It is found that the chi-square test value 40.486 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Materials” while strong relationships, and is dependent on the type of the organization. 31. The chi-square test value 59.481is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Parking facilities” while strong relationships, and is dependent on the type of the organization. 32. That the chi-square test value 101.396 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Personnel attention” while strong relationships, and is dependent on the type of the organization. 33. The chi-square test value 63.202 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Ability staff” while strong relationships, and is dependent on the type of the organization 34. It is found that the chi-square test value 14.404 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.006 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Interest at heart” while strong relationships, and is dependent on the type of the organization. 35. The chi-square test value 48.241 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “fast and efficient” while strong relationships, and is dependent on the type of the organization 36. that the chi-square test value 56.185 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Response” while strong relationships, and is dependent on the type of the organization. 37. The significance attached by the customers to the factor, the relationships is independent of the type of the organization. It is found that the chi-square test value 54.200 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Formalities” while strong relationships, and is dependent on the type of the organization. 38. It is found that the chi-square test value 83.052 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Paper work” while strong relationships, and is dependent on the type of the organization. 39. The chi-square test value 106.641 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “User-friendly” while strong relationships, and is dependent on the type of the organization. 40. That the chi-square test value 110.533 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “complete transaction” while strong relationships, and is dependent on the type of the organization 41. Chi-square test value 24.352 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Restricted access” while strong relationships, and is dependent on the type of the organization. 42. It is found that the chi-square test value 9.653 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.047 is less than 0.05).