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Gautam

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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. 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. 2. FLOW OF PRESENTATION OBJECTIVES INTRODUCTION RESEARCH METHODOLOGY DATA ANALYSIS CONCLUSION
  3. 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. 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. 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. 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.
  7. 7. DATA ANALYSIS
  8. 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. 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 RESPONDENT’S PREFERENCE TO CARRY WHILE TRAVELLING (SURAT & AGRA) CASH CARD TRAVELLERS CHEQUE
  10. 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. 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. 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. 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. 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. 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. 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. 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 • CAN’T 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. 18. DATA ANALYSIS
  19. 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. 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 • https://www.slideshare.net/indernegi921/plastic-money-33457540 • http://en.wikipedia.org/ • https://www.statista.com/statistics/279257/number-of-credit-cards-in-circulation-worldwide/ • https://www.slideshare.net/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

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