The document discusses the impact of the global economic meltdown on household budgets and behavior in India. It presents the results of a survey that found that recession has affected household expenditures, with people compromising most on grocery, entertainment, and luxury items in the short-term. In the long-term, spending on gold, real estate, and mutual funds saw larger cuts. The recession reduced savings amounts and forced many households to continuously cut expenses through reducing usage or substituting products. Overall, the study shows that the economic crisis has changed consumer behavior and spending patterns in India.

1. Boom U.S.A Other countries

33. Global Meltdown U.S.A Other countries

34. By :- M.B.A(Sem. IV) Usha Makwana Hemul Shah Ankita Goda

41. 1. Do you think recession is seriously affecting your home expenditure/budgeting? 2. According to you, in which segment it will affect first? Column1 Frequency Percent Valid Percent Cumulative Percent GROCERRY 22 11 15.3 15.3 EDUCATION 20 10 13.9 29.2 ENTERTAINMENT 9 4.5 6.3 35.4 GOLD 21 10.5 14.6 50 MUTUAL FUND 3 1.5 2.1 52.1 MISCELLANEOUS 6 3 4.2 56.3 MEDICAL 5 2.5 3.5 59.7 LUXURIOUS 15 7.5 10.4 70.1 REAL ESTATE 18 9 12.5 82.6 FIXED DEPOSITS 8 4 5.6 88.2 EQUITY SHARE 15 7.5 10.4 98.6 INSURANCE 2 1 1.4 100 Total 144 72 100 System 56 28 200 100 Column1 Frequency Percent Valid Percent Cumulative Percent STRONGLY DISAGREE 38 19 19 19 DISAGREE 18 9 9 28 NEUTRAL 15 7.5 7.5 35.5 AGREE 91 45.5 45.5 81 STRONGLY AGREE 38 19 19 100 Total 200 100 100

42. 3. How much your total monthly expenditures of household? 5. Have you cut down your expenditure before recession period come? Column1 Frequency Percent Valid Percent Cumulative Percent < 5000 8 4 5.6 5.6 5000-10000 69 34.5 47.9 53.5 10000-15000 43 21.5 29.9 83.3 15000-20000 12 6 8.3 91.7 20000-25000 8 4 5.6 97.2 >25000 4 2 2.8 100 Total 144 72 100 System 56 28 200 100 RECESSION Frequency Percent Valid Percent Cumulative Percent YES 98 49 68.1 68.1 NO 46 23 31.9 100 Total 144 72 100 System 56 28 200 100

43. 4. Approximately, on which segment you spending more? Short Term Expenses Frequency pecentage Education 41 0.284722222 Grocery 30 0.208333333 Medical 26 0.180555556 Entertainment 21 0.145833333 Mislenious 17 0.118055556 Luxsurious item 9 0.0625 144 Long-term spending Frequency pecentage Gold 49 0.340277778 Real estate 32 0.222222222 Fixed deposit 18 0.125 Insurance 15 0.104166667 Equity 13 0.090277778 Mutal Fund 6 0.041666667 Debt Instrument 5 0.034722222 Govt. Security 6 0.041666667 144

44. 6. In which type of expenditure have you made compromise? compro in short exp Frequency Percent Valid Percent Cumulative Percent grocery 37.00 25.69 25.69 25.69 eduacation 6.00 4.17 4.17 29.86 entertainment 31.00 21.53 21.53 51.39 medical 5.00 3.47 3.47 54.86 luxurious 28.00 19.44 19.44 74.31 miscellaneous 37.00 25.69 25.69 100.00 Total 144.00 100.00 100.00 cut down in long term exp Frequency Percent Valid Percent Cumulative Percent real estates 27.00 18.75 18.75 18.75 gold/silver 10.00 6.94 6.94 25.69 mutual fund 38.00 26.39 26.39 52.08 govt.security 5.00 3.47 3.47 55.56 insurance 7.00 4.86 4.86 60.42 fixed deposit 8.00 5.56 5.56 65.97 equity share 24.00 16.67 16.67 82.64 debt instruments 25.00 17.36 17.36 100.00 Total 144.00 100.00 100.00

45. 7. How will you compromise with your expenditure? 8. Do you feel better financial situation after cutting down your expenses? Frequency Percent Valid Percent Cumulative Percent BY REDUCING USAGE 77.00 38.50 53.47 53.47 BY USING SUBSITUTE PRODUCT 60.00 30.00 41.67 95.14 SELECTION OF LOW QUALITY 7.00 3.50 4.86 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00 Column1 Frequency Percent Valid Percent Cumulative Percent YES 77 38.5 53.5 53.5 NO 67 33.5 46.5 100 Total 144 72 100 System 56 28 200 100

46. 9. Do you think your saving amount also affect by this recession period? 10. How much your total monthly saving amount? Frequency Percent Valid Percent Cumulative Percent YES 112.00 56.00 77.78 77.78 NO 32.00 16.00 22.22 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00 Frequency Percent Valid Percent Cumulative Percent <5000 63.00 31.50 43.75 43.75 5000-10000 68.00 34.00 47.22 90.97 10000-15000 9.00 4.50 6.25 97.22 15000-20000 3.00 1.50 2.08 99.31 20000-25000 1.00 0.50 0.69 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00

47. 11. Will you be able to continuously cutting down the expenses? 12. Have your any of a family member faced lay off from the company? Frequency Percent Valid Percent Cumulative Percent YES 81.00 40.50 56.25 56.25 NO 62.00 31.00 43.06 99.31 3.00 1.00 0.50 0.69 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00 COMPANY Frequency Percent Valid Percent Cumulative Percent YES 23.00 11.50 15.97 15.97 NO 121.00 60.50 84.03 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00

48. 13. How many earning members in your family? MEMBER Frequency Percent Valid Percent Cumulative Percent ONE 68.00 34.00 47.22 47.22 TWO 57.00 28.50 39.58 86.81 THREE 19.00 9.50 13.19 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00

49. PERSONAL INFORMATION: Gender: Annual Income: Gender Frequency Percent Valid Percent Cumulative Percent male 69.00 34.50 47.92 47.92 female 75.00 37.50 52.08 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00 ANNUAL Frequency Percent Valid Percent Cumulative Percent <100000 10.00 5.00 6.94 6.94 100000-200000 74.00 37.00 51.39 58.33 200000-300000 36.00 18.00 25.00 83.33 300000-500000 10.00 5.00 6.94 90.28 >500000 14.00 7.00 9.72 100.00 Total 144.00 72.00 100.00 System 56.00 28.00 200.00 100.00

50. Education:

51. Recession Affects on house hold budgeting as per Annual income?

52. Recession Affects on which segment firsts and accordingly Compromise in short term exp.,

53. Recession Affects on which segment firsts and accordingly Compromise in long term spending

54. Cutting down expenses before recession will give better financial situation? Already cutting down expenses before recession but will able to cut down continuously?

55. Cutting down expenses before recession by means of what usage, using substitute or compromise with quality? Have any impact on your savings due to recession?

56. Affects of recession acceptances as per gender. According to family type what acceptance regarding recession affects?