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NJ SHARES Evaluation of 2008 Grants. October 19, 2009. Evaluation Goals. Characterize 2008 NJ SHARES grant recipients Characterize 2008 NJ SHARES grants Examine good faith payments Analyze post-grant payment compliance. 2. Evaluation Components. Part 1 – NJ SHARES database analysis
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NJ SHARES Evaluation of 2008 Grants October 19, 2009
Evaluation Goals • Characterize 2008 NJ SHARES grant recipients • Characterize 2008 NJ SHARES grants • Examine good faith payments • Analyze post-grant payment compliance 2
Evaluation Components • Part 1 – NJ SHARES database analysis • Characterizes grant recipients • Characterizes grants • Part 2 – Utility transaction data analysis • “Good Faith” Payment Analysis • Grant Coverage Analysis • Post-Grant Payment Compliance 3
Evaluation Components • Data received from: • ACE • ETG • NJNG • PSE&G • RECO • SJG 4
NJ SHARES Database Analysis Number of Years of Grant Receipt2005-2009 9
NJ SHARES Database Analysis Number of Household Members Contributing to Household Income 10
NJ SHARES Database Analysis Household Composition Note: A household can be included in more than one category. 14
NJ SHARES Database Analysis Household Composition Note: “Single Parent” and “Elderly Only” households were identified using the age grouping variables, in the database not the variable “Category”. 15
NJ SHARES Database Analysis Recipient-Reported Bill Balance at Grant Application 20
NJ SHARES Database Analysis Reported Bill Balance at Grant Application 21
NJ SHARES Database Analysis Mean Reported Bill Balance at Grant Application 22
NJ SHARES Database Analysis Collections Actions Pending at Grant Application Note: Percentages may not sum to 100% because a household with grants for more than one utility may have two different collections actions. 23
NJ SHARES Database Analysis Detailed 2008 Recipients’ “Other” Reasons for Grant Application • Household changes (spouse leaving or dying or a new baby in the home) • Car repairs • Mortgage, rent, or child support arrearages or increases • Over income limit for LIHEAP • Temporary financial crisis • Unexpected medical or dental expenses • Home repairs • Other bills (college tuition, taxes, lawyer fees) 25
NJ SHARES Database Analysis Grant Guidelines - Maximum Grant Amounts 26
PART 2Utility Data Analysis Methodology • Focused on Q1 2008 grant recipients • Transaction data from participating utilities • Files contain payments, charges, account balances • Analyzed: • Existence of “Good Faith Payment” • Grant coverage of pre-grant balances • Ratio of payments made to charges incurred at key intervals • Used Q1 2007 and Q1 2009 recipients as comparison groups 30
Utility Data Analysis Sample Group Definitions 2007 2009 2008 Q1 2008 ANALYSIS PERIOD GRANT DATE GRANT DATE + 1 DAY Q1 2007 ANALYSIS PERIOD GRANT DATE + 1 DAY GRANT DATE + 1 YEAR + 1 DAY GRANT DATE Q1 2009 ANALYSIS PERIOD GRANT DATE – 1 DAY GRANT DATE 1 YEAR 32
“Good Faith” Payment Analysis “Good Faith” Period Definition • The “Good Faith” payment period is defined as 90 days prior to intake through the day before the grant is applied to the account. • Only payments made by the customer are counted. “GOOD FAITH” PERIOD GRANT DATE INTAKE DATE – 90 DAYS INTAKE DATE GRANT DATE – 1 DAY 33
“Good Faith” Payment AnalysisAttrition Analysis * An account is eligible for analysis if we were able to find the NJ SHARES grant in the transaction data and if we were able to duplicate the utility-reported account balances. And we have at least three months of pre-grant data. 34
“Good Faith” Payment AnalysisPercent Making “Good Faith” Payment 35
“Good Faith” Payment AnalysisPercent Making “Good Faith” Payment By Utility 36
“Good Faith” Payment Analysis Amount of Good Faith Payments Made 37
“Good Faith” Payment Analysis Amount of Good Faith Payments MadeBy Utility 38
“Good Faith” Payment AnalysisAmount of Good Faith Payments Made 39
“Good Faith” Payment Analysis Number of Payments for Those Paying at Least $100 40
Grant Coverage AnalysisAttrition Analysis * An account is eligible for analysis if we were able to find the NJ SHARES grant in the transaction data and if we were able to duplicate the utility-reported account balances. 41
Grant Coverage Analysis Grant Coverage By Main Heating Fuel 45
Payment Compliance AnalysisAttrition Analysis * An account has usable data if it appears to have received the NJ SHARES grant and if we were able to duplicate the utility-reported account balances 47
Payment Compliance Analysis Mean Percent of Bills PaidSame Accounts 50