ANNEXURE I

SUBMISSION OF PROJECT SYNOPSIS AND GUIDE ACCEPTANCE FORM

(To be submitted to the Project Steering Committee)
PART A: Synopsis Registration
I. Student Details:
1. Name of the Program: MASTER OF BUSINESS ADMISTRATION
2. Name of the Student: THAKOR BALDEVJI BHUPTAJI
3. Roll Number: 2314102607
4. Session & Year: 3RD SEM
5. Elective: MBA FINANCE
II. Project Details
6. Title of the Project: Impact of Financial Inclusion in Rural Areas: Analysing Changes in
Savings, Investment, and Access to Credit
7. Introduction and Review of Literature (Not more than 500 words):
Introduction : Financial inclusion has emerged as a critical driver for economic growth and
poverty reduction, particularly in rural areas where access to formal financial services has
traditionally been limited. This project aims to assess the impact of financial inclusion
initiatives on rural populations, focusing on the shifts in savings behavior, investment
patterns, and access to credit. By examining these factors, the study seeks to understand
how financial inclusion contributes to the economic empowerment of rural communities.
2. Objectives of the Study
 To analyze the impact of financial inclusion initiatives on the savings habits of rural
populations.
 To evaluate the changes in investment patterns among rural households due to
increased access to financial services.
 To assess the accessibility and utilization of credit facilities in rural areas and their
impact on economic activities.
 To study the role of microfinance and rural credit schemes in enhancing financial
inclusion.
 To examine the effectiveness of government schemes like Jan Dhan Yojana in
promoting financial inclusion in rural regions.
 To explore the role of fintech in bridging the financial inclusion gap in rural areas.
3. Scope of the Study
This study will focus on rural areas across different regions, with a particular emphasis on
economically underdeveloped and geographically remote areas. It will include an analysis of
various financial inclusion initiatives implemented by the government, microfinance
institutions, and fintech companies. The study will also explore the demographic and socio-
economic factors influencing the adoption and impact of these initiatives.
4. Research Methodology
 Data Collection: The study will employ both primary and secondary data collection
methods. Primary data will be gathered through surveys, interviews, and focus group
discussions with rural households, bank officials, and microfinance institutions.
Secondary data will be sourced from government reports, research papers, and
financial institutions.
 Sample Size: A representative sample of rural households from different regions will
be selected for the study, ensuring diversity in terms of geography, income levels, and
access to financial services.
 Data Analysis: Quantitative data will be analyzed using statistical tools to identify
trends and patterns, while qualitative data will be analyzed through content analysis
to gain insights into the perceptions and experiences of rural populations.
 Comparative Analysis: The study will compare regions with high levels of financial
inclusion to those with lower levels, to understand the factors driving success and the
challenges faced.
5. Key Areas of Focus
 Microfinance and Rural Credit: Examining the role of microfinance institutions and
rural credit schemes in enhancing access to financial services for rural populations.
 Government Schemes: Evaluating the impact of government initiatives like Jan Dhan
Yojana on financial inclusion in rural areas.
 Role of Fintech: Exploring how fintech innovations such as mobile banking, digital
payments, and online credit platforms are improving financial access in rural areas.
 Savings and Investment Behaviour: Analysing changes in the savings and investment
habits of rural households as a result of financial inclusion efforts.
 Access to Credit: Assessing the availability and utilization of credit facilities in rural
areas and their impact on economic activities such as agriculture, small businesses,
and household consumption.
6. Expected Outcomes
  Improved Understanding: The study is expected to provide a comprehensive
understanding of how financial inclusion initiatives have transformed the financial
behaviour of rural populations.
 Policy Recommendations: Based on the findings, the study will offer recommendations
to policymakers, financial institutions, and fintech companies on how to enhance
financial inclusion in rural areas.
 Impact Assessment: The project will highlight the impact of financial inclusion on
poverty alleviation, economic growth, and social empowerment in rural communities.
Conclusion
This project will contribute valuable insights into the ongoing efforts to promote financial
inclusion in rural areas. By analysing the impact of these initiatives on savings, investment,
and access to credit, the study will help identify best practices and areas for improvement,
ultimately supporting the goal of achieving inclusive and sustainable economic growth in
rural India.

III. Guide Details:

10. Name of Proposed Guide: CHAUDHARY BHARATBHAI NANJIBHAI
11. Guide Registration No. (If available):
12. Designation: RELATIONSHIP MANAGER-AU BANK
13. Affiliation: GANPAT UNIVERSITY
14. Qualification: MBA MARKETING
15. Total Experience: 7 YEAR
16. Communication Address: NOKHA, BANASKANTHA, GUJARAT- 385330
17. Contact No.: 9723492872
18. E-mail ID:
 PART – B: Guide Acceptance

I, Mr. BHARATBHAI NANNAJIBHAI CHAUDHARY with working as hereby confirm my

willingness to guide Ms. Thakor Baldevji Bhuptaji Reg No. 2314102607 for the topic (Financial
Risk Management.) during the period July-2024 (month/year) to August 2024.
Place: MORBI

Date:10.07.2024 (Signature of the Guide)

(Note: A Guide needs to get registered with the University if he/ she is guiding a MUJDOE
project for the first time. Guide Registration form can be downloaded from the LMS portal)

DECLARATION
I hereby declare that this project synopsis is an original work carried by me and has not
been/will not be submitted to any other University for fulfilment of any course of study.

Place:
Date:

(Filled in application forms to be signed by both student and the Guide. Forms must be
scanned in either .pdf/.doc format and submitted through the LMS student’s Login. For
uploading, please refer section 2.1.5 of this document)

(Signature of the Student)

 ANNEXURE II
PROJECT GUIDE REGISTRATION FORM
(To be submitted to the Project Steering Committee)

1. Name: CHAUDHARY BHARATBHAI NANJIBHAI

2. Date of Birth: 01.06.1993
3. Present Employer: AU SMALL FINANCE BANK Affix Your Latest Photo
4. Designation: RELATIONSHIIP MANAGER
5. Contact Details:
I. Residential Address:
II. Office Address:
III. All communications to be sent to: Residential/ Official address (tick anyone)
IV. Contact No.:
V. E-mail id: @GMAIL.COM
10. Education Qualification (start with highest qualification): (Please attach photocopies of
degree certificates)
S. No. Name of Specialization Year of Institution/University Class
the Degree Passing Obtained
1 MBA MARKETING 2016 GANPAT UNIVERSITY 6.36
GUJARAT

11. Area of Specialization/Interest: Marketing

12. Total yrs. of Experience: (Please attach photocopies of Experience letters)
S.No. Name of the organization Designation From To

1 AU SMALL FINANCE BANK RM 2018 CURRENTLY

WORKING
I hereby declare that the information provided by me is true. I agree with the rules and
regulations given by the University.

Signature (Proposed Guide)

(FOR OFFICE USE)

Following details have been verified
Yes No
Sl. No
1 Qualification YES
2 Experience YES
3 PAN Card (in case of Domestic Guide) YES
4 Passport (in case of Foreign Guide)
5 Approved for Department / Specialization

Signature Signature
(Faculty in-charge) (Project Steering Committee)
(Note: Filled in Registration forms must be scanned in either .pdf / .doc format and submitted
along with credentials (Scanned copy of Degree Certificates, PAN Card (for Domestic Guide),
Passport (for Foreign Guide) and Experience Certificates of the proposed guide) on LMS
portal- link).