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learn$ave Project: Final ReportTable F.7.7 Impacts on Average Business Assets and Liabilities (Average Dollars), at 54 Months, MicroEnterprise Stream Participants – AdjustedMean Outcome Level,by Research GroupImpact ofMatched SavingCreditsImpact of Serviceswhen Offeredwith Credits ∑Combined Impactof Credits +Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.Business assets (book value) 5,119 2,992 1,819 3,300* (1,997) -2,127 (1,819) 1,172 (1,942)Goodwill 1 3,573 1,675 1,458 2,115 (2,685) -1,899 (3,050) 217 (1,907)Total Business Assets 8,692 4,666 3,277 5,415 (3,559) -4,026 (3,656) 1,389 (3,103)Total Business Debts andLiabilities2,283 1,228 2,562 -278 (1,399) -1,056 (1,266) -1,334 (1,357)Total Net Business Assets 6,409 3,439 715 5,694* (2,969) -2,971 (3,200) 2,723 (2,323)Source: Calculations from 18-month, 40-month and 54-month survey data.Note: The sample sizes for the control, learn$ave-only and learn$ave-plus groups are 117, 150, 157, respectively, for the 54-month survey; 124,150 ad 151, for the 40-month survey; and 143, 172 and 176, for the 18-month survey.Sample sizes vary for individual measures because 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.1Computed as the difference between: (1) the current equity of the business (excludiing liabilities) and (2) the book value of the businessassets when purchased.∑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.Social Research and Demonstration Corporation Appendix F | 153