Table-A.1.
FII indicators and their corresponding weights
| Indicators | Sources of Finance | Nature of the variable | Descriptions | Weights |
|---|---|---|---|---|
| Formal Credit | From formal agencies directly and/or through SHG during Survey (during 2016) | Categorical | Yes = 1 | 0.124 |
| Otherwise = 0 | 0.005 | |||
| From formal agencies directly and/or through SHG during Survey (during 2017) | Categorical | Yes = 1 | 0.105 | |
| Otherwise = 0 | 0.020 | |||
| From formal agencies directly and/or through SHG during Survey (during 2018) | Categorical | Yes = 1 | 0.079 | |
| Otherwise = 0 | 0.055 | |||
| Regular repayment of loan | Categorical | Yes = 1 | 0.094 | |
| Otherwise = 0 | 0.031 | |||
| Received loan during emergency | Categorical | Yes = 1 | 0.087 | |
| Otherwise = 0 | 0.038 | |||
| Savings | Operating SB Account in Bank/Post office/Co-operative Banks | Categorical | Yes = 1 | 0.120 |
| Otherwise = 0 | 0.024 | |||
| Fixed Deposit or Recurring Deposit Account with Institutional Agencies | Categorical | Yes = 1 | 0.087 | |
| Otherwise = 0 | 0.015 | |||
| Savings in SHG | Categorical | Yes = 1 | 0.101 | |
| Otherwise = 0 | 0.040 | |||
| Insurance | Any source/type of insurance | Categorical | Yes = 1 | 0.110 |
| Otherwise = 0 | 0.011 | |||
| Transaction Services | Usages of ATM/Debit Card/Cheque | Categorical | Yes = 1 | 0.085 |
| Otherwise = 0 | 0.047 | |||
| Banking Knowledge | Knowledge of banking procedure after joining SHG | Categorical | Yes = 1 | 0.024 |
| Otherwise = 0 | 0.004 | |||
| SHG Operation | Facing problem of getting loan through SHG | Categorical | Yes = 0 | 0.070 |
| Otherwise = 1 | 0.118 |
Source: Authors' own calculation based on primary data