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CHAPTER 3

RESEARCH METHODOLOGY

3.1 PRIMARY DATA

The research design study is exploratory in nature. Quantitative framework is used for the
research. Primary data has been collected using a self- administered structured questionnaire
designed specifically for the study. It was prepared to explore the important factors for adopting
internet banking and challenges faced by the customers.

3.2 SECONDARY DATA

The background of the present study was collected from various sources which include
Books, journals, website and other related research work.

3.3 SAMPLE SIZE

The primary data was collected with the help of structured questionnaire. The
questionnaire consists of two parts. The first part of the questionnaire consists of personal details
of the respondents. The second part of the study consists of dimensions related to the study. The
dimensions are related to the supply chain management practices adopted by food industries. All
the dimensions considered for the study consists of four individual statements. The perception of
the respondents related to the dimensions considered for the study is measured by Likerts five
scaling technique, ranging from strongly agrees to strongly disagree respectively.

The theoretical framework is based on factors taken from the literature review. We
utilized a convenience sample of 100 from users. Factor analysis has been applied in order to
explore the result.

Sri krishna arts and science college, Department of commerce business application

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Factor Affecting Adoption of E-banking

3.4 SOURCE& TOOLS FOR DATA COLLECTION

❖ Percentage Analysis

❖ Chi square

❖ One-way ANOVA

PERCENTAGE ANALYSIS

Percentage refers to a special kind of ratio. Percentage analysis test is done to find out the
percentage of the response of the respondents. In these tool various percentage are presented by
the way of Bar-diagram, Pie charts in order to have better understanding of the analysis.

CHISQUARE

The Chi-Square statistic is most commonly used to evaluate Tests of Independence when
using a cross tabulation (also known as a bi variatetable). Cross tabulation presents the
distributions of two categorical variables simultaneously, with the intersections of the categories
of the variables appearing in the cells of the table. The Test of Independence assesses whether an
association exists between the two variables by comparing the observed pattern of responses in
the cells to the pattern that would be expected if the variables were truly independent of each
other.

Calculating the Chi-Square statistic and comparing it against a critical value from the
Chi- Square distribution allows there searcher to assess whether the observed cell counts are
significantly different from the expected cell counts.

The calculation of the Chi-Square statistic is quite straight-forward and intuitive:

Sri krishna arts and science college, Department of commerce business application 32
where f = the observed frequency (the observed counts in the cells) and f = the expected
frequency if NO relationship existed between t he variables

ONE-WAY ANOVA

Under the one-way ANOVA, we consider only one factor and then observe that the
reason for said factor to be important is that several possible types of samples can occur within
that factor.

SOURCES OF SUM OF DEGREES OF MEAN F-RATIO


VARIATION SQUARES FREEDOM SQUARE

n1(X1-X)2 +…+ (k-1) SS BETWEEN

nk(Xk-X)2 (K-1)

∑(Xij-X)2+…+ (n-k) SS WITHIN MS BETWEEN

∑(Xki-X-k)2 (N-k) MS WITHIN

TOTAL ∑(Xij-X)2 i=1,2, (n-1)

j=1,2..

Sri krishna arts and science college, Department of commerce business application
CHAPTER 4

PERCENTAGE METHOD

GENDER

Gender of the respondent FREQUENCY PERCENT


Male 65 65.0
Female 35 35.0
Total 100 100.0
TABLE 4.1

GENDER

35% Male
Female

65%

TABLE 4.1

Source: Primary Data

The gender wise of the respondents is presented in table no 4.1. Out of the total
respondents (100), 65 percent of respondents were belongs to the male and rest of them of
females. It is clearly understood that the majority of the respondents were males.

Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

AGE

Age of the respondent Frequency Percent


21-30 44 44.0
31-40 30 30.0
41-50 20 20.0
Above 50 6 6.0
Total 100 100.0
TABLE 4.2

AGE

6%

21-30
20% 31-40
41-50
44%
Above 50

30%

TABLE 4.2

Source: Primary Data

The age of the respondents is presented in table no 4.2. Out of the total respondents (100),
44 percent of respondents were belong to the age between 21-30 and 30 percent of respondents
were between 31-40 years of age group. About 20 percent of the respondents and 6 percent of the
respondents were 41-50 years of age and above 50 years of age group respectively. It is clearly
understood that the majority of the respondents were between 21-30 years of age group.

Sri krishna arts and science college, Department of commerce business application 35
EDUCATION

Education Frequency Percent


Plus two 5 5.0
Degree 55 55.0
Post Graduate 40 40.0
Total 100 100.0
TABLE4.3

EDUCATION

5%

Plus two
Degree
40%
Post Graduate

55%

TABLE 4.3

Source: Primary Data

Education wise respondent’s classification is presented in table no. 4.3. Out of the total
respondents (100), 5.0 percent of the respondents is studied upto HSC. Whereas 55.0 percent of
the respondents and 40.0 percent of the respondents were finished their graduation and post-
graduation respectively. It is clearly understood from the above table that majority (55.0%) of the
respondents are Graduates.

36
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

EXPERIENCE

OCCUPATION Frequency Percent


Less than 5 year 75 75.0
5-10 10 10.0
11-15 9 9.0
More than 15 6 6.0
Total 100 100.0
TABLE 4.4

EXPERIENCE

6%
9%
Less than 5 year
05-Oct
10% Nov-15
More than 15

75%

TABLE 4.4

Source: Primary Data

The respondent’s experience wise classification is presented in table no. 4.4. Out of the total
respondents (100), 75 percent of the respondents have less than 5 years of experience and 10
percent of the respondents have 5-10 years of experience . About 9.0 percent of the respondents and
6.0 percent of the respondents were 11-15 years and more .It is clearly understood from the
above table that majority (75%) of the respondents are less than 5 years of experience

Sri krishna arts and science college, Department of commerce business application 37
I believe that supplier evaluation can help to improve sustainable practices

Particulars Frequency Percent


Strongly Agree 76 76.0
Agree 13 13.0
Neutral 7 7.0
Disagree 3 3.0
Strongly Disagree 1 1.0
Total 100 100.0
TABLE 4.5

TABLE 4.5
Source: Primary Data

Table 4.5 represents the supplier evaluation can help to improve sustainable practices. Out of
total respondent (100), 76.0 percent of the respondent strongly agree with the statement. About
13.0 percent of the respondents agree with the statement . 7.0 percent respondents neutrally
agreed with the statement. 3.0 and 1.0 percent respondents falls under the category of disagree
and strongly disagree. . It is clearly understood from the above table that majority (76%) of the
respondents strongly agree with that suppliers evaluation can helps to improve sustainable
practices.

Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that company actions taken to improve supplier capabilities or performance in


relation to sustainability

Particulars Frequency Percent


Strongly Agree 74 74.0
Agree 11 11.0
Neutral 11 11.0
Disagree 4 4.0
Strongly Disagree 0 0.0
Total 100 100.0
TABLE 4.6

80
74
70

60

50

40
Series1
30

20
11 11
10
4
0
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.6

Source: Primary Data

Table 4.6 represents the company actions taken to improve supplier capabilities or performance in relation
to sustainability. Out of total respondent (100), 74.0 percent of the respondent strongly agree with the
statement. About 11.0 percent of the respondents agree with the statement. 11.0 percent respondents
neutrally agreed with the statement. 4.0 and 0 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (74%) of the respondents
strongly agree with that company actions taken to improve supplier capabilities or performance in relation
to sustainability

Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I do understand exchange of information typically involves the transfer of important and exclusive
information between supply chain members

Particulars Frequency Percent


Strongly Agree 75 75.0
Agree 13 13.0
Neutral 7 7.0
Disagree 4 4.0
Strongly Disagree 1 1.0
Total 100 100.0

TABLE 4.7
80 75
70

60

50

40
Series1
30

20
13
10 7
4
1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.7
Source: Primary Data

Table 4.7 represents exchange of information typically involves the transfer of important and exclusive
information between supply chain members. Out of total respondent (100), 75.0 percent of the respondent
strongly agree with the statement. About 13.0 percent of the respondents agree with the statement. 7.0
percent respondents neutrally agreed with the statement. 4.0 and 1 percent respondents falls under the
category of disagree and strongly disagree. . It is clearly understood from the above table that majority
(75%) of the respondents strongly agree with that exchange of information typically involves the transfer
of important and exclusive information between supply chain members

Sri krishna arts and science college, Department of commerce business application

40
Factor Affecting Adoption of E-banking

I believe that quality management relates to upgrading the quality of products and processes, maintaining
equipment and productivity levels, and optimizing the production processes of supply chain companies

Particulars Frequency Percent


Strongly Agree 76 76.0
Agree 10 10.0
Neutral 7 7.0
Disagree 7 7.0
Strongly Disagree 0 0.0
Total 100 100.0

TABLE 4.8

80 76
70
60
50
40
Frequency
30
20
10
10 7 7
0
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.8

Source: Primary Data

Table 4.8 represents quality management relates to upgrading the quality of products and processes,
maintaining equipment and productivity levels, and optimizing the production processes of supply chain
companies. Out of total respondent (100), 76.0 percent of the respondent strongly agree with the
statement. About 10.0 percent of the respondents agree with the statement. 7.0 percent respondents
neutrally agreed with the statement. 7.0 and 0 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (76%) of the respondents
strongly agree with that quality management relates to upgrading the quality of products and processes,
maintaining equipment and productivity levels, and optimizing the production processes of supply chain
companies

Sri krishna arts and science college, Department of commerce business application 41
40
Factor Affecting Adoption of E-banking

I believe that implementation of a set of plans and programs to improve environmental performance within
the supply chain is effective

Particulars Frequency Percent


Strongly Agree 72 72.0
Agree 12 12.0
Neutral 14 14.0
Disagree 1 1.0
Strongly Disagree 1 1.0
Total 100 100.0

TABLE 4.9

80
72
70

60

50

40
Series1
30

20
12 14
10
1 1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.9

Source: Primary Data

Table 4.9 represents that implementation of a set of plans and programs to improve environmental
performance within the supply chain is effective. Out of total respondent (100), 72.0 percent of the
respondent strongly agree with the statement. About 12.0 percent of the respondents agree with the
statement. 14.0 percent respondents neutrally agreed with the statement. Both 1.0 percent respondents
falls under the category of disagree and strongly disagree. . It is clearly understood from the above table
that majority (72%) of the respondents strongly agree with that implementation of a set of plans and
programs to improve environmental performance within the supply chain is effective.

Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I do understand improving employees' overall health, safety and salary by reporting quantitative and
qualitative information about the company’s sustainable performance and humanitarian commitments to
social groups

Particulars Frequency Percent


Strongly Agree 70 70.0
Agree 16 16.0
Neutral 10 10.0
Disagree 4 4.0
Strongly Disagree 0 0.0
Total 100 100.0

TABLE 4.10
80
70
70

60

50

40
Series1
30

20 16
10
10
4
0
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.10

Source: Primary Data

Table 4.10 represents that improving employees' overall health, safety and salary by reporting quantitative
and qualitative information about the company’s sustainable performance and humanitarian commitments
to social groups. Out of total respondent (100), 70.0 percent of the respondent strongly agree with the
statement. About 16.0 percent of the respondents agree with the statement. 10.0 percent respondents
neutrally agreed with the statement. 4.0 and 0 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (70%) of the respondents
strongly agree with that improving employees' overall health, safety and salary by reporting quantitative
and qualitative information about the company’s sustainable performance and humanitarian commitments
to social groups.
43
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that it is mandatory that the management of consumers to enhance their overall satisfaction with
regard to sustainability and the environment

Particulars Frequency Percent


Strongly Agree 71 71.0
Agree 14 14.0
Neutral 11 11.0
Disagree 3 3.0
Strongly Disagree 1 1.0
Total 100 100.0

TABLE 4.11

80
71
70

60

50

40
Frequency
30

20
14
11
10
3 1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.11
Source: Primary Data

Table 4.11 represents that it is mandatory that the management of consumers to enhance their overall
satisfaction with regard to sustainability and the environment. Out of total respondent (100), 71.0 percent
of the respondent strongly agree with the statement. About 14.0 percent of the respondents agree with the
statement. 11.0 percent respondents neutrally agreed with the statement. 3.0 and 1.0 percent respondents
falls under the category of disagree and strongly disagree. . It is clearly understood from the above table
that majority (71%) of the respondents strongly agree with that it is mandatory that the management of
consumers to enhance their overall satisfaction with regard to sustainability and the environment.

43
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I am well aware that, it is mandatory that the Information sharing with customers in the supply chain to
inform manufacturing companies about customers’ perceptions of sustainability

Particulars Frequency Percent


Strongly Agree 80 78.0
Agree 10 12.0
Neutral 8 8.0
Disagree 2 2.0
Strongly Disagree 0 0.0
Total 100 100.0

TABLE 4.12

90
80
80
70
60
50
40 Frequency
30
20
10 8
10
2 0
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree
TABLE 4.12

Source: Primary Data

Table 4.12 represents that it is mandatory that the Information sharing with customers in the
supply chain to inform manufacturing companies about customers’ perceptions of sustainability .
Out of total respondent (100), 80.0 percent of the respondent strongly agree with the statement.
About 10.0 percent of the respondents agree with the statement. 8.0 percent respondents
neutrally agreed with the statement. 2.0 and 0 percent respondents falls under the category of
disagree and strongly disagree. . It is clearly understood from the above table that majority (80%)
of the respondents strongly agree with that it is mandatory that the management of consumers to
enhance their overall satisfaction with regard to sustainability and the environment.
45
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I am well aware about the company taking good effort to reduce environmental and water pollution,
greenhouse gases, and threats posed by waste generated in the industrial environment throughout the
supply chain

Particulars Frequency Percent


Strongly Agree 78 78.0
Agree 10 10.0
Neutral 7 7.0
Disagree 4 4.0
Strongly Disagree 1 1.0
Total 100 100.0

TABLE 4.13

90
80 78
70
60
50 Frequency
40
30
20
10
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.13
Source: Primary Data

Table 4.13 represents that about the company taking good effort to reduce environmental and water
pollution,
greenhouse gases, and threats posed by waste generated in the industrial environment throughout the
Out of total respondent (100), 78.0 percent of the respondent strongly agree with the statement.
About 10.0 percent of the respondents agree with the statement. 7.0 percent respondents neutrally
agreed with the statement. 4.0 and 1 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (78%) of the
respondents strongly agree with that about the company taking good effort to reduce
environmental and water pollution,greenhouse gases and threats posed by waste generated in the
industrial environmental through the supplychain.
45
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that economic performance improving the organization’s finance and marketing
performance

Particulars Frequency Percent


Strongly Agree 72 72.0
Agree 15 15.0
Neutral 8 8.0
Disagree 4 4.0
Strongly Disagree 1 1.0
Total 100 100.0
TABLE 4.14

80
72
70
60
50
Frequency
40
30
20 15
10 8
4
1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.14

Source: Primary Data

Table 4.14 represents that economic performance improving the organization’s finance and
marketing performance. Out of total respondent (100), 72.0 percent of the respondent strongly
agree with the statement. About 15.0 percent of the respondents agree with the statement. 8.0
percent respondents neutrally agreed with the statement. 4.0 and 1 percent respondents falls under
the category of disagree and strongly disagree. . It is clearly understood from the above table that
majority (72%) of the respondents strongly agree with that economic performance improving the
organization’s finance and marketing performance.

45
47
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I am aware about the efforts made by supply chain companies to participate in social activities, to take
account of employee safety and health, to pay equitable salaries, and to perform humanitarian work

Particulars Frequency Percent


Strongly Agree 71 71.0
Agree 16 16.0
Neutral 10 10.0
Disagree 2 2.0
Strongly Disagree 1 1.0
Total 100 100.0
TABLE 4.15

80
71
70

60

50

40
Frequency
30

20 16
10
10
2 1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.15
Source: Primary Data

Table 4.15 represents that the efforts made by supply chain companies to participate in social activities, to
take account of employee safety and health, to pay equitable salaries, and to perform humanitarian work
Out of total respondent (100), 71.0 percent of the respondent strongly agree with the statement.
About 16.0 percent of the respondents agree with the statement. 10.0 percent respondents
neutrally agreed with the statement. 2.0 and 1 percent respondents falls under the category of
disagree and strongly disagree. . It is clearly understood from the above table that majority (71%)
of the respondents strongly agree with that the efforts made by supply chain companies to
participate in social activities, to take account of employee safety and health, to pay equitable
salaries, and to perform humanitarian work.

48
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that Sustainable Supplier Management Practices improving economic performance of the firm.

TABLE 4.16

Particulars Frequency Percent


Strongly Agree 70 70.0
Agree 18 18.0
Neutral 10 10.0
Disagree 2 2.0
Strongly Disagree 0 0.0
Total 100 100.0

80
70
70

60

50

40
Frequency
30

20 18
10
10
2 0
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.16

Source: Primary Data

Table 4.16 represents that Sustainable Supplier Management Practices improving economic performance
of the firm. Out of total respondent (100), 70.0 percent of the respondent strongly agree with the
statement. About 18.0 percent of the respondents agree with the statement. 10.0 percent respondents
neutrally agreed with the statement. 2.0 and 0 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (70%) of the respondents
strongly agree with that Sustainable Supplier Management Practices improving economic performance of
the firm.

49
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that Sustainable Supplier Management Practices improving environmental


performance of the firm

Particulars Frequency Percent


Strongly Agree 75 75.0
Agree 15 15.0
Neutral 7 7.0
Disagree 2 2.0
Strongly Disagree 1 1.0
Total 100 100.0

TABLE 4.17

80 75
70

60

50

40
Frequency
30

20 15
10 7
2 1
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree
TABLE 4.17

Source: Primary Data

Table 4.17 represents that Sustainable Supplier Management Practices improving environmental
performance of the firm. Out of total respondent (100), 75.0 percent of the respondent strongly agree with
the statement. About 15.0 percent of the respondents agree with the statement. 7.0 percent respondents
neutrally agreed with the statement. 2.0 and 1 percent respondents falls under the category of disagree and
strongly disagree. . It is clearly understood from the above table that majority (75%) of the respondents
strongly agree with that Sustainable Supplier Management Practices improving environmental
performance of the firm.

50
Sri krishna arts and science college, Department of commerce business application
Sustainable Supplier Management Practices improving social performance of the firm
Particulars Frequency Percent
Strongly Agree 74 74.0
Agree 10 10.0
Neutral 10 10.0
Disagree 4 4.0
Strongly Disagree 2 2.0
Total 100 100.0

TABLE 4.18

80
74
70

60

50

40
Frequency
30

20
10 10
10
4 2
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree

TABLE 4.18

Source: Primary Data

Table 4.18 represents that Sustainable Supplier Management Practices improving social
performance of the firm. Out of total respondent (100), 74.0 percent of the respondent strongly
agree with the statement. About 10.0 percent of the respondents agree with the statement. 10.0
percent respondents neutrally agreed with the statement. 4.0 and 2 percent respondents falls
under the category of disagree and strongly disagree. . It is clearly understood from the above
table that majority (74%) of the respondents strongly agree with that Sustainable Supplier
Management Practices improving social performance of the firm.
Sri krishna arts and science college, Department of commerce business application
Factor Affecting Adoption of E-banking

I believe that Sustainable Operations Management Practices improving environmental


performance of the firm
Particulars Frequency Percent
Strongly Agree 72 72.0
Agree 11 11.0
Neutral 11 11.0
Disagree 4 4.0
Strongly Disagree 2 2.0
Total 100 100.0

TABLE 4.19

80
72
70

60

50

40
Frequency
30

20
11 11
10
4 2
0
Strongly Agree Neutral Disagree Strongly
Agree Disagree
TABLE 4.19

Source: Primary Data

Table 4.19 represents that Sustainable operations Management Practices improving


enviromental performance of the firm. Out of total respondent (100), 72.0 percent of the
respondent strongly agree with the statement. About 11.0 percent of the respondents agree with
the statement. 11.0 percent respondents neutrally agreed with the statement. 4.0 and 2 percent
respondents falls under the category of disagree and strongly disagree. . It is clearly understood
from the above table that majority (74%) of the respondents strongly agree with that Sustainable
operation Management Practices improving environmental performance of the firm.

52
Sri krishna arts and science college, Department of commerce business application

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