Table 3.

68
Education and Rating ICICI bank card
Chisquare value
- Rating ICICI bank card
p-value Total

14.95** 0.005 Very good Good Bad

2 57 6 6 5
Graduate
20.0% 46.7% 33.3% 43.3%
Post - 6 63 . 12 81
Education
Graduate 60.0% 51,6% 66.7% 54.0%
2 2 0 4
Doctorate
20.0% 1.6% 0.0% 2.7%
10 122 18 150
Total
100.0% 100.0% 100.0% 100.0%

The table presents that 10 respondents opined that ICIC1 bank card is very good, 122
respondents opined that ICICI bank card is good and 18 respondents opined ICICI bank card is
bad. Majority of the graduate and post-graduate respondents opined that the ICICI bank card is
good and the PhD holders equally opined all the ICICI credits are very good, good, bad and very
bad. The Chi-square value is significant at 1 per cent level and hence it can be inferred that there
is a strong relationship between education and rating ICICI bank card in terms of acceptance.
The education of the respondents has significant impact on the rating ICICI bank card in terms of
acceptance.

Chi-square analysis has been computed for the variables education and satisfaction with
response of bank employees for telephonic queries and the results are presented in the table 3.69.

166
 Table 3.69
Education and Satisfaction with response of bank employees for telephonic queries
Chi-square Satisfaction with response of bank employees
p-value for teleihonic cueries
value
Neither
Extremely satisfied Extremely Total
37.65** 0.000 Satisfied Satisfied
nor Dissatisfied dissatisfied
dissatisfied
4 31 20 10 0 65
Graduate 66.7% 41.3% 54.1% 38.5% 0.0% 43.3%
Post - 0 44 17 14 6 81
Education Graduate 0.0% . 58.7% 45.9% 53.8% 100.0% 54.0%
Doctorate 2 0 0 2 0 4
33.3% 0.0% 0.0% 7.7% 0.0% 2.7%
Total 6 75 37 26 6 150
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%

The table shows that 6 respondents extremely satisfied with response of bank employees
for telephonic quei ies, 75 respondents satisfied with response of hank employees for telephonic
queries, 37 respondents neither satisfied nor dissatisfied with response of bank employees for
telephonic queries, 26 respondents dissatisfied with response of. bank employees for telephonic
queries and 6 respondents dissatisfied with response of bank employees for telephonic queries.
Majority of the graduate respondents neither satisfied nor dissatisfied with response of bank
employees for telephonic queries, majority of the post graduates satisfied with response of bank
employees for telephonic queries. But the doctorate respondents equally opined all the rating on
the emergency cash advance limit sanctioned is extremely satisfied, satisfied, neither satisfied
nor dissatisfied and dissatisfied with response of bank employees for telephonic queries. The
Chi-square value is significant at 1 per cent level and hence it can be inferred that there is a
strong relationship betweeri education and satisfaction with response of bank employees for
telephonic queries. The education of the respondents has significant impact on the satisfaction
with response of bank employees for telephonic queries.

167
 Table MI
Education and Satisfaction with Schemes of ICICI
Chi-square p-value Satisfaction-with the schemes
value
Neither Total

1.52**. Satisfied satisfied nor Dissatisfied

0.002
dissatisfied

13 36 16 65
Graduate
31.0% 53.7% 39.0% 43.3%

Post - 29 31 21
Education Graduate 69.0% 46.3% 51.2% 54.0%
0 0 4 4
Doctorate
0.0% U.0% 9.8% 2.7%

42 67 41 150
Total
100.0% 100.0% 100.0% 100.0%

The table shows that 42 respondents extremely satisfied with the schemes of ICICI, 67
respondents neither satisfied nor dissatisfied with the schemes of ICICI and 41 respondents
dissatisfied with the schemes of ICICI. Majority of the graduate respondents neither satisfied nor
dissatisfied with the schemes of 1C1C1, post-graduate respondents satisfied and doctoral
respondents equally extremely satisfied and dissatisfied with the schemes of IC:ICI. The Chi-
square value is significant at I per cent level and hence it can be inferred that there is a strong
relationship between education and satisfaction with schemes. The education of the respondents
has significant impact on the satisfaction with the schemes of ICICI.

Employment
Chi-square analysis has been computed for the variables employment and rating on the
adequacy of the credit limit sanctioned and the results are presented in the table 3.72.

169
 Table 3.72
Employment and Rating on the adequacy of the credit limit sanctioned
Chi-square p-value Rating on the adequacy of the credit limit
value sanctioned Total
More than Less than
1.700 0,791 Sufficient
sufficient sufficient
0 9 0 9
Self Employed
0.0% 6.7% 0.0% 6.0%
9 121 7 137
Occupation Salaried
100.0% 90.3% 100.0% 91.3%
0 4 0 '4
Others Specify
0.0% 3.0% 0.0% 2.7%
9 134 7 150
Total
100.0% 100.0% 100.0% 100.0%

The above table presents that 9 respondents opined that the adequacy of the credit limit
sanctioned is more than sufficient, 134 respondents opined that the adequacy of the credit limit
sanctioned is sufficient and 7 respondents opined that the adequacy of the credit limit sanctioned
is less than sufficient. Majority or both the SeltEmployed and salaried respondents opined that
-

the adequacy of the credit limit sanctioned is sufficient. The Chi-square value is insignificant and
hence it can be inferred that there is a no relationship between occupation and rating on the
adequacy of the credit limit sanctioned.

Chi-square analysis has been computed for the variables employment and rating on
emergency cash advance limit sanctioned and the results are presented in the table 3.73.

170
 Table 3.75
Employment and Satisfaction with response of bank employees for telephonic queries
Chi-square Satisfaction with response of bank employees for telephonic
p-value
value queries
Neither Total
Extremely Satisfied satisfied Dissatisfie Extremely
6.188 0.626
Satisfied nor dissatisfied
d.
dissatisfied
Self 0 6 1 2 0 9
Employed 0.0% 8.0% 2.7% 7.7% 0.0% 6.0%
Salaried 6 y 67 36 22 6 137
Occupation
100.0%. 89.3% 97.3% 84.6% 100.0% 91.3%
Others 0 2 0 2 0 4
Specify 0.0% 2.7% 0.0% 7.7% 0.0% 2.7%
t _ .
Total 6 75 37 26 6 150
100.0%. 100.0% .100.0% 100.0% 100.0% 100.0%
The above ulble shows that 6 respondents extremely satisfied with response of bank
employees for telephonic queries, 75 respondents satisfied with response of bank employees for
telephonic queries, 37 respondents neither satisfied nor dissatisfied with response of bank
employees for telephonic queries, 26 respondents dissatisfied with response of hank employees
for telephonic queries and 6 respondents extremely dissatisfied with response of bank employees
for telephonic queries. Majority of the self-employed respondents satisfied and majority of
salaried respondents neither satisfied nor dissatisfied with response of bank employees for
telephonic queries. The Chi-square value is insignificant and hence it can be inferred that there is
no relationship between employment and satisfaction with response of bank employees for
telephonic queries.

Chi-square analysis has been computed for the variables employment and satisfaction
with response of bank employees for mail queries and the results are presented in the table 3.76.

173