Awareness and Utilization on Cooperative Banking Services and Schemes in Rural Area

Purpose: The purpose of this paper is to study the awareness level and utilization various cooperative banking services in rural area especially Dakshina Kannada district Karnataka. In India, most states are agriculture dominated, area, banks play a key role bolstering common individual financing his self -employment/business personal needs. effective will improve financial inclusion statistics country. To assess level, 27 schemes offered by society taken classified into different factors. levels Muslims compared with demographical profile know difference. Methodology: Data was collected through structured questionnaire distributed among bank account holders. descriptive nature data from 398 five taluks district. draw meaningful inferences, scales for reliability, normality assumption, Mann Whitney U Kruskal-Wallis test were used analyze, compare interpret data. Findings: results indicate that there no significant differences economic status, income sub-caste regarding schemes. However, difference age, residence occupation Originality: It may help service provider implement according needs households order have raise standard living. Practical Implication: findings stakeholders overcome problem areas provide need-based Paper Type: Analytical Research