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learn$ave Project: Final ReportTable F.6.6 Impact on Measures of Financial Integration (Percentage Points), at 18, 40 and 54 Months, All Participants – AdjustedOutcome Incidence,by Research GroupImpact ofMatched SavingCreditsImpact ofServices whenOffered withCredits ∑Combined Impactof Credits+ Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.Possession of a Credit Card% having credit card at baseline 68.5 68.9 68.9 -0.4 (1.8) 0.4 (1.8) 0.0 (1.8)% having credit card at 18 months 88.2 85.8 86.6 1.6 (1.6) -2.4 (1.5) -0.8 (1.6)% having credit card at 40 months 90.6 90.1 92.1 -1.5 (1.5) -0.5 (1.4) -2.0 (1.5)% having credit card at 54 months 93.0 92.6 93.7 -0.6 (1.4) -0.4 (1.2) -1.0 (1.3)Comfort Level with Financial System(at 54 Months)“I am very comfortable dealing with banks,credit unions or other financial institutionson matters such as making deposits orwithdrawals, borrowing money, etc.”% saying statement was very accurate (5on the scale)68.8 72.3 66.0 2.8 (2.7) 3.5 (2.4) 6.3** (2.6)% saying statement was somewhat accurateor very accurate (4 or 5)Source:Note:86.7 87.7 83.4 3.3* (2.0) 1.0 (1.8) 4.3** (2.0)Calculations from Baseline, 18-month, 40 month and 54-month survey data.Overall sample sizes for the control, learn$ave-only and learn$ave-plus groups are 568, 842 and 859, respectively, for the 54-monthsurvey; 607, 833 ad 814, for the 40-month survey; and 748, 920 and 915 for the 18-month survey. Sample sizes vary for individual measuresbecause of missing values.Two-tailed tests were applied to impacts estimated by regression-adjusted differences in outcomes between research (program and control)groups.Statistical significance levels are indicated as * = 10 per cent; ** = 5 per cent; *** = 1 per cent.Rounding may cause slight discrepancies in sums and differences.∑The figures in this column show the extra impact of the financial management training and enhanced case management services whengiven to those eligible to receive matched credits. It does not represent the impact of those services alone for those not eligible to receive thematched saving credit; it represents the impact of the services when provided with the credits.142 | Appendix F Social Research and Demonstration Corporation