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NJ SHARES The Evaluation of 2007 Grants. October 20, 2008 Revised 11/21/08. Evaluation Goals. Characterize 2007 NJ SHARES grant recipients Characterize 2007 NJ SHARES grants Examine good faith payments Analyze post-grant payment compliance. 2. Evaluation Components.
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NJ SHARES The Evaluation of 2007 Grants October 20, 2008 Revised 11/21/08
Evaluation Goals • Characterize 2007 NJ SHARES grant recipients • Characterize 2007 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 • Elizabethtown Gas • NJNG • PSE&G • SJG • JCP&L (Not usable) • Rockland (Not usable) 4
NJ SHARES Database Analysis Years Received Grants, 2005-2008 8
NJ SHARES Database Analysis Household Members Contributing to Income 9
NJ SHARES Database Analysis 2005-2007 Recipient Income Sources 10
NJ SHARES Database Analysis 2005-2007 Annual Household Income 11
NJ SHARES Database Analysis 2005-2007 Household Poverty Level 12
NJ SHARES Database Analysis 2005-2007 Household Composition Note: A household can be included in more than one category. 13
NJ SHARES Database Analysis 2005-2007 Household Composition Note: “Single Parent” and “Elderly Only” households were identified using the age grouping variables, in the database not the variable “Category”. 14
NJ SHARES Database Analysis 2006-2007 Household Poverty Level 15
NJ SHARES Database Analysis 2006-2007 Household Poverty Level 16
NJ SHARES Database Analysis 2005-2007 Recipient Household Size 17
NJ SHARES Database Analysis 2005-2007 Recipient-Reported Bill Balance at Grant Application 19
NJ SHARES Database Analysis 2007 Recipient-Reported Bill Balance at Grant Application 20
NJ SHARES Database Analysis Mean 2005-2007 Recipient-Reported Bill Balance at Grant Application 21
NJ SHARES Database Analysis Collections Actions Pending at Grant Application for 2005-2007 Recipients Note: Percentages may not sum to 100% because a household with grants for more than one utility may have two different collections actions. 22
NJ SHARES Database Analysis 2005-2007 Reason for Grant Application 23
NJ SHARES Database Analysis Detailed 2007 Recipient “Other” Reasons for Grant Application • Temporary financial crisis • Household changes (spouse leaving or dying or a new baby in the home) • Car repairs • Meter read after months of low, estimated bills • Over income limit for LIHEAP • Mortgage, rent, or child support arrearages or increases • Medical costs • Home repairs • Moving costs • Other bills 24
NJ SHARES Database Analysis 2007 Mean Grant Amount by Utility 27
PART 2Utility Data Analysis Methodology • Focused on Q1 2007 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 2006 and Q1 2008 recipients as comparison groups 28
Utility Data Analysis Sample Group Definitions (continued) 2006 2008 2007 Q1 2007 ANALYSIS PERIOD GRANT DATE GRANT DATE + 1 DAY Q1 2006 ANALYSIS PERIOD GRANT DATE + 1 DAY GRANT DATE + 1 YEAR + 1 DAY GRANT DATE Q1 2008 ANALYSIS PERIOD GRANT DATE – 1 DAY GRANT DATE 1 YEAR 30
“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 31
“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. 32
“Good Faith” Payment AnalysisPercent Making “Good Faith” Payment 33
“Good Faith” Payment Analysis Number of Payments for Those Paying at Least $100 36
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. 37
Grant Coverage Analysis Q1 2007 Grant Coverage Distribution 39
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. 41
Payment Compliance Analysis Mean Percent of Bills PaidAccounts with 12 Months of Data 43
Payment Compliance Analysis Accounts with 12 Months of Data 44
Payment Compliance Analysis Percent of Bills Paid Recipients with 12 Months of Data 45
Payment Compliance Analysis Mean Bill BalanceAccounts with 12 Months of Data 47
Payment Compliance Analysis Segmentation Analysis of Q1 2007 Grant Recipients 48
Payment Compliance Analysis Segmentation Analysis of Q1 2007 Grant Recipients (continued) * Note: Only customer payments are counted. 49
Payment Compliance Analysis Segmentation Analysis of Q1 2007 Grant Recipients (continued) 50