顾客对Pradhan Mantri Jan Dhan Yojana(PMJDY)的认知:贫民窟居民视角的实证调查

IF 1.3 Q1 AREA STUDIES
K. Ray
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引用次数: 2

摘要

政府资助的福利方案有助于平衡经济增长和减少社会不平等现象。只有当贫困人口能够获得银行和金融服务时,社会才具有包容性。政策制定者和金融参与者强调了金融包容性方案的重要性,因为这些方案对经济增长和经济的金融健康具有重大影响。Pradhan Mantri Jan Dhan Yojana(PMJDY)是一个政府主导的干预计划,其国家使命是为该国所有贫困地区提供银行设施。本研究的重点是检验顾客对PMJDY的感知的决定因素。该研究将布巴内斯瓦尔的贫民窟居民作为实证研究的受益对象。决定因素包括交付过程(SERVQUAL)和与社会方案相关的结果属性。由于顾客感知是一个范畴变量,因此采用多项逻辑回归模型来检验这一假设。研究结果表明,受益人认为可靠性、保证性、有形性和社会联系维度是获得对福利计划更高认知水平的可能因素。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Customer Perception Towards Pradhan Mantri Jan-Dhan Yojana (PMJDY): An Empirical Investigation from Slum-dwellers Perspective
The government-sponsored welfare programmes are instrumental in balancing economic growth and reducing inequalities in society. Society becomes inclusive only when the deprived people have access to banking and financial services. The policymakers and financial players emphasized the importance of financial inclusion programmes because of their significant impact on economic growth and the financial health of the economy. The Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a government-led intervention programme with a national mission to provide banking facilities to all deprived sections in the country. The study focuses to examine the determinants of customer perception towards PMJDY. The study includes the slum dwellers of Bhubaneswar as the target group of beneficiaries for empirical research. The determinants include the delivery process (SERVQUAL) and outcome attributes associated with the social scheme. As customer perception is a categorical variable, the multinomial logistic regression model is adopted to test the hypothesis. The study results indicate that the beneficiaries consider reliability, assurance, tangibility and social connect dimensions as the likely factors to obtain a higher level of perception towards the welfare programme.
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来源期刊
Millennial Asia
Millennial Asia AREA STUDIES-
CiteScore
4.50
自引率
12.50%
发文量
33
期刊介绍: Millennial Asia: An International Journal of Asian Studies is a multidisciplinary, refereed biannual journal of the Association of Asia Scholars (AAS)–an association of the alumni of the Asian Scholarship Foundation (ASF). It aims to encourage multifaceted, multidisciplinary and interdisciplinary research on Asia, in order to understand its fast changing context as a growth pole of global economy. By providing a forum for Asian scholars situated globally, it promotes dialogue between the global academic community, civil society and policy makers on Asian issues. The journal examines Asia on a regional and comparative basis, emphasizing patterns and tendencies that go beyond national borders and are globally relevant. Modern and contemporary Asia has witnessed dynamic transformations in cultures, societies, economies and political institutions, among others. It confronts issues of collective identity formation, ecological crisis, rapid economic change and resurgence of religion and communal identifies while embracing globalization. An analysis of past experiences can help produce a deeper understanding of contemporary change. In particular, the journal is interested in locating contemporary changes within a historical perspective, through the use of interdisciplinary and multidisciplinary approaches. This way, it hopes to promote comparative studies involving Asia’s various regions. The journal brings out both thematic and general issues and the thrust areas are: Asian integration, Asian economies, sociology, culture, politics, governance, security, development issues, arts and literature and any other such issue as the editorial board may deem fit. The core fields include development encompassing agriculture, industry, regional trade, social sectors like health and education and development policy across the region and in specific countries in a comparative perspective.
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