▁ 8 0 % ▁were ▁aware ▁about ▁the ▁N RE GS ▁but ▁a ▁moder ate ▁section ▁of ▁that ▁( around ▁ 3 0 %) ▁had ▁benef ited . ▁Ar ound ▁ 5 3 . 8 % ▁of ▁the ▁villages ▁had ▁commercial ▁banks ▁and ▁ 6 3 . 1 6 % ▁had ▁agricult ural ▁credit ▁soci eties ▁within ▁ 5   km ▁while ▁percentage ▁of ▁co - oper ative ▁banks ▁within ▁ 5   km ▁was ▁ 2 1 . 4 3 %. ▁The ▁level ▁of ▁inde bt ed ness ▁was ▁high ▁among ▁both ▁communities , ▁exceed ing ▁ 3 5 % ▁of ▁the ▁households ▁survey ed . ▁There ▁was ▁clear ▁indic ation ▁that ▁the ▁source ▁was ▁still ▁the ▁traditional ▁m one yl enders ▁charg ing ▁high ▁rates ▁of ▁interest ▁and ▁more ▁than ▁one - third ▁of ▁respond ents ▁in ▁either ▁community ▁had ▁used ▁this ▁source ▁at ▁some ▁point . ▁Of ▁the ▁families ▁survey ed ▁around ▁a ▁third ▁of ▁both ▁the ▁Muslim s ▁and ▁non - Mus lim s ▁had ▁B PL ▁r ation ▁cards . ▁More ▁than ▁ 6 5 % ▁of ▁the ▁Muslim s ▁and ▁over ▁ 6 0 % ▁of ▁the ▁non - Mus lim s ▁reported ▁the ▁public ▁distribution ▁system ▁to ▁be ▁in efficient , ▁either ▁in ▁terms ▁of ▁in ade qu acy , ▁inferior ▁quality , ▁less ▁in ▁amount , ▁irregular ity ▁and ▁so ▁on . ▁ ▁References ▁ ▁Category : Min or ity ▁concentr ated ▁districts ▁in ▁West ▁Beng al <0x0A> </s> ▁Aur ora ▁Lu que ▁Ort iz