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A presentation on report "Relevance of Plastic Money over Paper Money in India".A presentation Summer Field Research Report in SURAT & AGRA.
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Gautam
- 1. SUMMER INTERNSHIP REPORT Relevance of Plastic Money Over Paper Money in India 25-09-2017 Research Guide: Submitted By: Ms. Sharda Vyas Gautam Chopra Assistant Professor BBA-V SOCM Finance & Accounts
- 2. FLOW OF PRESENTATION OBJECTIVES INTRODUCTION RESEARCH METHODOLOGY DATA ANALYSIS CONCLUSION
- 3. OBJECTIVES Primary Objective: To know the perception of people towards plastic money. Secondary Objective: To know the usage of plastic money in the daily life of consumers To know the perception of people in relevance to the Role of Plastic money to curb black money from the economy. To find out which is the most reliable source of payment for people in the two selected cities.
- 4. INTRODUCTION Plastic money or polymer money, made out of plastic, is a new and easier way of paying for goods and services. Paper Money is money made up of paper. The official paper currency that is circulated for transaction related purposes.
- 5. RESEARCH METHODOLOGY 1. Area/ Location of which sample has been taken: Surat, Gujarat Agra, Uttar Pradesh 2. Sampling Size: Surat = 102 respondents Agra = 100 respondents Total sample size = 202 3. Sampling Unit: All individuals who were eligible to use and who have plastic money. All individuals above 18 years of age.
- 6. 4. Sampling Technique: Convenience sampling Simple random sampling. 5. Mode of Data Collection: Primary Data Source: Scheduling Questionnaire Secondary Data Source: Online articles, reports, etc.
- 8. 43.68% 54.63% 22.33% 25.77% 33.98% 19.58% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% SURAT AGRA CONVINIENCE OF RESPONDENTS WHILE PAYING (SURAT & AGRA) CASH CARD BOTH CASH & CARD
- 9. 63.68% 76.69% 22.68% 20.38% 1.34% 2.91% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% SURAT AGRA RESPONDENTS PREFERENCE TO CARRY WHILE TRAVELLING (SURAT & AGRA) CASH CARD TRAVELLERS CHEQUE
- 10. 6, 22% 5, 19% 13, 48% 3, 11% REASON FOR NOT PREFFERING PLASTIC MONEY (SURAT) INSTABLE INCOME LACK OF KNOWLEDGE MALPRACTICES BY OUTLET OWNERS LACK OF TRUST MISUSE BY OTHER 18, 22% 5, 6% 59, 72% REASON FOR NOT PREFFERING PAPER MONEY (SURAT) FEAR OF THEFT INCREASING DUPLICITY WEAR & TEAR
- 11. 8, 19% 7, 16% 3, 7% 25, 58% REASON FOR NOT PREFFERING PLASTIC MONEY (AGRA) INSTABLE INCOME LACK OF KNOWLEDGE MALPRACTICES BY OUTLET OWNERS LACK OF TRUST MISUSE BY OTHER 21, 38% 26, 46% 9, 16% REASON FOR NOT PREFFERING PAPER MONEY (AGRA) FEAR OF THEFT INCREASING DUPLICITY WEAR & TEAR
- 12. 84% 16% Do you think Plastic Money will peneterate more in future? (SURAT) AGREE DISAGREE 81% 19% Do you think Plastic Money will peneterate more in future? (AGRA) AGREE DISAGREE
- 13. 80 23 0 10 20 30 40 50 60 70 80 90 YES NO MORE & MORE TRANSACTIONS TRHROUGH CREDIT CARD & DEBIT CARD WILL HELP TO CURB BLACK MONEY CIRCULATION IN ECONOMY? ( SURAT) YES 63 30 4 0 10 20 30 40 50 60 70 YES NO NO COMMENTS MORE & MORE TRANSACTIONS TRHROUGH CREDIT CARD & DEBIT CARD WILL HELP TO CURB BLACK MONEY CIRCULATION IN ECONOMY? ( AGRA) YES
- 14. PLASTIC MONEY 18% PAPER MONEY 82% WHICH HAS MORE LIFE? (SURAT) PLASTIC MONEY PAPER MONEY PLASTIC MONEY 27% PAPER MONEY 73% WHICH HAS MORE LIFE? (AGRA) PLASTIC MONEY PAPER MONEY + = PAPER MONEY, 77% PLASTIC MONEY 23% WHICH HAS MORE LIFE? PAPER MONEY PLASTIC MONEY
- 15. 65% 35% CREDIT CARD IS EXPENSIVE OR NOT? (SURAT) YES NO 80% 20% CREDIT CARD IS EXPENSIVE OR NOT? (AGRA) YES NO + = 72% 28% CREDIT CARD IS EXPENSIVE OR NOT? YES NO
- 16. VIEWS OF RESPONDENTS ON FUTURE OF CASH & CARD (SURAT) LESS CASH & MORE CARD-2 CARD WILL CIRCULATE EQUALLY BE USED CARD CASH WILL BE USED-3 CARD WILL BE USED MORE-4 BOTH WILL BE USED-5
- 17. VIEWS OF RESPONDENTS ON FUTURE OF CASH & CARD (AGRA) PLASTIC MONEY WILL BE CIRCULATED WITH MORE FACILITIES GOOD ONLY CARD WILL CIRCULATE & CASH WILL DISAAPEAR LIKE FOREIGN COUNTRIES CARD IS BETTER CARD IS MORE FAVOUURABLE- 11 NIL CARD HAVING BRIGHT FUTURE NO COMMENTS-2 BRIGHT FUTURE OF CARD LESS CASH MORE CARDS-2 INCREASE IN USED OF CARD-2 MORE USEDOF CARDS- 7 CANT SAY CASH WILL BE USED BY EVERY PERSON & THE CASH WILL INCREASE, CARD WILL ALSO INCREASE BUT ONLY IN MIDDLE CLASS & UPPER CLASS SOCIETY BOTH WILL BE USED-8 CASH IS MORE RELIABLE SO PEOPLE WILL USE MORE CASH THAN CARD-4 NO CASH ONLY CARD & CHEQUE-4 CASH WILL NOT BE USED AS MUCH AS CARD CASH WILL BE USED IN LESS AMOUNT MODI IS GOING TO LOOSE ( SAURABH GOYAL)
- 18. DATA ANALYSIS
- 19. CONCLUSION Increased preference & trust towards plastic money. Increased awareness Boost in Indian economy. Even after demonetisation more than 45% of people give preference to Paper Money. More than 70% of people think that more and more transaction of plastic money will help to curb black money from the economy.
- 20. BIBLIOGRAPHY ARTICLES: Planning to bring Plastic Money in Economy By: Alvares, Cliford Plastic Cards in Japan By: Goldwasser, Joan competitive advantage held by conventional credit card By: Stone, Daniel LINKS: http://indianexpress.com/article/news-archive/web/46-indian-credit-card-users-worry-about-frauds/ http://ijmms.in/sites/ijms/index.php/ijmms/article/view/138/143 /indernegi921/plastic-money-33457540 http://en.wikipedia.org/ https://www.statista.com/statistics/279257/number-of-credit-cards-in-circulation-worldwide/ /hemanthcrpatna/analysis-and-optimization-of-maintenances-management- of-instruments BOOKS: Plastic Money - An Introduction by Mrudula E The Past, Present and Future of Plastic Money by J.B. Forrest Paper Or Plastic: Money Management and Credit Card Education by Nathan B.Hogan