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Chapter2
Methodology of the Study
2.1.2 The sample design includes multiple steps in order to reduce response
bias. This sampling design carried out in different stages involving more
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 8
Macro Research Project ‐2008‐09, IIBF, Mumbai
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 9
Macro Research Project ‐2008‐09, IIBF, Mumbai
Step-1: Out of the Public Sector Banks operating in Uttar Pradesh those
who have implemented BC/BF model for financial inclusion, we have
considered two (2) Banks for the present study. They are Punjab National
Banks and Syndicate Bank.
Step-2: Out of the Public Sector Banks operating in Uttar Pradesh those
who have not implemented BC/BF model for financial inclusion, we have
considered two (2) banks. They are Bank of Baroda (SLBC Convener) and
Allahabad Bank
Step-3: We have also considered two (2) Regional Rural Banks (RRBs)
keeping in view their importance Cluster of Banks in Uttar Pradesh those
who have not implemented BC/BF mode for financial inclusion. They are
Arayvarta Gramin Bank and Triveni Gramin Bank
Total Sample Size: 4 PSBs + 2 RRBs = 6 Banks. The list of the banks
appended
Step-I: Cluster sampling of five (5) branches of the lead bank (identified
Public Sector Banks) of each of the nine (9) districts.
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 10
Macro Research Project ‐2008‐09, IIBF, Mumbai
Step-I: Cluster sampling of ten (10) Customers of each five (5) bank
branches surveyed in all the twelve (12) districts considered under the
present study who have Bank accounts.
Step-II: Cluster sampling of ten (10) people who do not have any bank
account in the command area of each five (5) branches in all the twelve
(12) districts considered under the present study.
The state of Uttar Pradesh (UP) has been divided into 3 major economic
regions – Eastern, Central and western. Although as per agro-climatic zone,
the state has been divided into 9 parts. But for our research purpose we
have considered only economic region. Eastern UP consists of 27 districts,
Central UP consists of 22 districts and Western UP consists of 21 districts.
(Shown in the map – Annexure-1)
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 11
Macro Research Project ‐2008‐09, IIBF, Mumbai
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 12
Macro Research Project ‐2008‐09, IIBF, Mumbai
consultation with the controlling office. For the purpose of sampling, only 5
branches were taken out of the 10 identified branches.
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 13
Macro Research Project ‐2008‐09, IIBF, Mumbai
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 14
Macro Research Project ‐2008‐09, IIBF, Mumbai
Feasibility of Business Correspondent/Facilitators models for financial inclusion in the state of Uttar
Pradesh. Page 15