Full report. - Social Research and Demonstration Corp

learn$ave Project: Final ReportTable F.7.6 Impacts on Self-employment (Percentage Points or Average), over the 54 Months, Micro-enterprise Stream Participants – AdjustedOverall Self-employmentIncidence (%)0 self-employment jobssince baseline1 self-employment jobsince baseline2 or more self-employmentjobs since baselineHaving self-employmentjobs since baseline (%)Formallyincorporated (%)Income and Intensityof Self-employmentJobsTotal income from selfemploymentjobs ($)Length of time onself-employment jobs(months)Hours per week on selfemploymentjobs (hours)Outcome Mean or Incidence,by Reseach GroupImpact of MatchedSaving CreditsImpact of Serviceswhen Offered withServices ∑Combined Impact ofCredits + Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.35.3 45.6 58.2 -22.8*** (6.0) 10.3* (5.4) -12.6** (5.9)48.7 40.9 29.9 18.8*** (6.3) -7.8 (5.7) 11.1* (6.2)16.0 13.5 12.0 4.0 (4.3) -2.5 (3.9) 1.5 (4.2)66.7 56.7 42.1 24.5*** (5.9) -9.9* (5.4) 14.6** (5.8)38.4 31.9 19.2 19.2*** (5.9) -6.5 (5.4) 12.7** (5.8)8,418 5,701 4,506 3,912** (1,789) -2,716* (1,627) 1,195 (1,750)31.0 18.0 25.0 6.0 (4.6) -13.0*** (4.2) -7.0 (4.5)14.4 9.8 7.2 7.2*** (2.4) -4.6** (2.2) 2.7 (2.3)Paid Staff in SelfemploymentJobsHaving paid staff (%) 9.7 8.8 8.4 1.3 (3.6) -0.9 (3.3) 0.4 (3.5)Total payroll ($) 3,455 1,064 1,906 1,549 (2,548) -2,391 (2,317) -842 (2,492)Source: Calculations from 18-month survey data, 40-month survey data and 54-month survey data.Note: Overall sample sizes for the control, learn$ave-only and learn$ave-plus groups are 124, 150 and 151, respectively. However,18 caseswere mistakenly skipped over the questions on self-employment, comrpising 8 in the learn$ave group, 8 in the learn$ave-plus group and 2in the control group. These 18 cases were excluded from this table. Sample sizes vary for individual measures because of missing values.Standard errors of estimated impacts are in parenthesis.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.152 | Appendix F Social Research and Demonstration Corporation