**Assets for Independence Program**

**Performance Management Initiative -- Building Consensus**

Summary of Research and Findings

Prepared by the Southern Good Faith Fund

October 2005

**Contents**

[Section]{.underline} [Page]{.underline}

Background / Introduction 2

Purpose of the AFI Program 3

Summary of Research from Planning Phase 4

General Reactions and Challenges 4

Data Collected in Annual Report and Congressional Report 6

Data Currently Collected or Being Considered for Collection

(from Grantee Feedback Form) 6

Issues for the Discussion Group 10

Appendix A

Individuals Interviewed 11

Appendix B

Materials Reviewed 13

Appendix C

Data Elements for Annual Report to Congress 14

Appendix D

Organizations Responding to the Grantee Feedback Form 16

Appendix E

Summary Results from Grantee Feedback Form 20

**Background/Introduction**

The Assets for Independence (AFI) program at the U.S. Department of
Health and Human Services is working to find ways to better measure the
performance of the AFI program for several reasons.

First, the Office of Management and Budget (OMB) is working with each
Federal agency as part of the annual budget development process to
assess Federal programs as to how they achieve concrete and measurable
results. As part of the FY 2006 budget development process, OMB engaged
the AFI program in the Program Assessment Rating Tool (PART) process.
This process found that 1) there is a great need for Individual
Development Accounts (IDAs), 2) the AFI program is not duplicative of
Federal, State, Local, or private efforts, 3) the program design is
working, 4) the independent evaluations are of sufficient scope and
quality, and 5) the program has good management. The PART also raised
several challenges. The AFI program needs to 1) develop annual and
long-term performance measures focused on outcomes, 2) establish
baselines, ambitious targets, and timeframes for measures, 3) commit,
along with grantees, to those measures and to working toward them, 4)
demonstrate adequate progress in achieving performance goals, 5)
demonstrate improved efficiencies or cost-effectiveness, and 6) indicate
through independent evaluations that the program is effective and
achieving results.

Second, the AFI program knows that the IDA field has a desire to better
document its performance for a range of reasons. The IDA field has been
growing for over a decade now, and many lessons have been learned
through the American Dream Demonstration, other private initiatives,
state-funded efforts, and the AFI program. While new programs continue
to form each year, there is a maturity in the field that makes
discussions about performance measures possible. Competition for state,
federal, and private funding is growing more fierce, and an increasing
demand for outcomes and impact by these funders makes a strong case for
developing performance measures as well. And as the field looks to the
future and explores strategies for taking IDAs to scale, performance and
cost efficiencies take on even more significance.

To help achieve all of these objectives, the AFI program and its
grantees have engaged in a process to identify performance indicators
for the AFI program and ways to measure those indicators. The AFI
program has four objectives for this effort:

1.  To learn from the work that is being done and has already been done
    by AFI grantees and other stakeholders in the IDA field related to
    performance measures

2.  To engage in an open and inclusive process to identify a range of
    performance indicators and ways to measure them that would have
    several sub-objectives including:

    -   Peer learning and sharing about what can be measured and how to
        do it

    -   Relevance to the work of the field in terms of program design,
        communications, fundraising, etc.

    -   Helping the field to communicate about the impact of IDAs on
        program participants and the communities in which programs work

    -   Building support for IDAs through the communication of this
        impact

3.  To use this open process to reach consensus on a limited set of
    indicators on which all AFI grantees would report that acknowledges
    the limited operating and administrative funds provided by AFI and
    is manageable given these limited resources

4.  To provide AFI grantees with the resources they need to collect data
    on and report to HHS on these performance measures

To achieve these objectives, the AFI program is engaged in a three step
process that will involve planning, a discussion group, and
implementation. The planning phase has involved interviews with a range
of stakeholders in the IDA field, a review of performance measures used
in the field and proposed by researchers and programs, and input from
all AFI grantees on the measures that they currently use and/or are
thinking about using. The work of this phase is summarized in this
document.

The next phase will involve the convening of a discussion group of key
stakeholders that is representative of the field in terms of geography,
race and ethnicity, and type of grantee and that includes individuals
from both research and program backgrounds. OCS will host the group to
gather additional input on possible indicators and identify ways to
measure those indicators and/or challenges for measuring them. There
will be opportunity for input and feedback from the field that may
include the use of the AFI and IDA Network listservs, posting proposed
ideas on the AFI website, and the monthly AFI grantee conference calls.
With this input from grantees and others, OCS will issue guidance on a
short list of indicators that all AFI Program grantees will use to
report to OCS and manage their AFI Projects.

The final phase will be implementation of the chosen performance
indicators. The AFI program will provide tools and training to help
grantees learn how to measure and report on the indicators. Training is
likely to include web and phone conferencing and in-person sessions and
will also likely include written guides. And any new measures will be
added as a new feature to the on-line AFI^2^ Program Management Tool.

**Purpose of the AFI Program**

The purposes of the AFI program, as established in the AFI legislation,
make a good starting point for a discussion on program performance
measures. Section 403 of the law outlines the following purposes.

The purposes of this title are to provide for the establishment of
demonstration projects designed to determine:

1.  the social, civic, psychological, and economic effects of providing
    to individuals and families with limited means an incentive to
    accumulate assets by saving a portion of their earned income;

2.  the extent to which an asset-based policy that promotes saving for
    postsecondary education, homeownership, and microenterprise
    development may be used to enable individuals and families with
    limited means to increase their economic self-sufficiency; and

3.  The extent to which an asset-based policy stabilizes and improves
    families and the community in which the families live.

**Summary of Research from Planning Phase**

During the planning phase of this project, Southern Good Faith Fund
interviewed about 40 stakeholders in the field and reviewed a range of
documents including internal management and funder reports from
individual programs; state and federal reporting requirements;
evaluation summaries from state, federal, and private initiatives; and
reports on proposed measures that could be collected. The list of
stakeholders interviewed is Appendix A, and the materials reviewed is
Appendix B. A feedback form was distributed to all AFI grantees to
provide analysis on the types of measures that are used by these
grantees and/or that they have considered using.

The results from this research effort are summarized below in the
following sections: 1) general reactions and challenges, 2) data
currently collected in the AFI annual report and for the report to
Congress, and 3) data identified as currently being collected or being
considered for collection in the grantee questionnaire.

**General Reactions and Challenges**

In general, the reaction by interviewees about performance measures for
AFI grantees was positive. The following are highlights of the points
made:

-   This is a good idea. The field needs it. We have wanted to do more
    but have struggled to find the time to focus on it.

-   Getting AFI grantees to report on common measures is a great idea.

-   It makes sense to have consistent measures. AFI will be in trouble
    if we just focus on asset purchases.

-   It is good to address this topic and move forward. The law says it
    needs to be addressed.

-   The more we know the better.

-   Current AFI reports don't help individual programs or OCS.

-   It is good that practitioners are leading this effort

-   Many people thought that AFI was easy and then realized how hard it
    was. Knowing performance measures up front might make organizations
    take the program more seriously.

-   Common measures will give programs a sense of what to shoot for and
    to allow the AFI program to see where programs really are.

-   This is a very worthwhile activity. With the American Dream
    Demonstration, we talked about performance measures but decided it
    was too early. Today, groups are more mature.

-   Having data also helps to raise more funds by making the business
    case.

Interviewees also had general suggestions about how to approach the task
of developing and implementing performance measures. The following is a
summary of those points:

-   Adopt measures without targets first so we can make sure they can be
    measured.

-   Collect data on the measures for a while before you set the targets.

-   Use measures for which data is readily available.

-   Use measures that are credible and have meaning.

-   Use measures over which grantees have control.

-   Pick measures that have validity in a variety of programs.

-   Have a menu of measures from which grantees can pick, especially
    related to asset purchases.

-   Do not focus on standards for the field as AEO has done for
    microenterprise programs, especially given the move to integrating
    IDAs with existing programs as products rather than as their own
    stand-alone programs.

-   Consider outcomes and costs and their interrelation.

-   Focus on outcomes rather than outputs, but be realistic about what
    can really be impacted. For example, AFI cannot change the national
    homeownership rate.

-   Start by thinking about long-term change and then scale back to
    benchmark measures that are short term and quantifiable.

-   Add an outcomes section to the AFI project builder with the
    information on logic models.

And finally, interviewees raised several challenges for implementing AFI
performance measures:

-   Grantees may use only 15 percent of their grants for operating and
    administrative costs. This will be one more requirement for their
    already stretched resources.

-   The measures have to be "doable." If they are not, HHS will not get
    the data that it needs.

-   Standardizing outcomes across a variety of programs will be
    difficult. The measures may need to allow for variety within
    outcomes based on the goals of program or the audience served by the
    program. For example, for immigrants it might be establishing credit
    rather than repairing credit, or some programs mandate monthly
    savings while others allow self-determination on frequency of
    savings.

-   If long-term outcomes are the goal of this effort, it will be tough
    to identify short-term benchmarks for grantees on these long-term
    outcomes.

-   Given the variation in resources that organizations bring to their
    grants, will we be comparing apples and oranges in term of outcomes?

-   Make sure that the process for developing the measures is not top
    down. Grantees need to have ownership of the measures.

**Data Collected in Annual Report and Congressional Report**

AFI grantees currently have two sets of reporting requirements. The
first is an annual report that is focused solely on narrative summaries
related to the following topics: major activities and accomplishments,
challenges, dissemination activities, other activities, and activities
planned for the next reporting period.

The second is the annual Report to Congress. This fall, AFI grantees are
participating in this report for the third year. Questions are grouped
in the following categories: AFI project structure, AFI project
features, AFI account holder characteristics, reserve funds, AFI account
holder savings, and AFI account holder withdrawals. A list of data
elements required for the Congressional Report is provided as Appendix
C.

**Data Currently Collected or Being Considered for Collection (from
Grantee Feedback Form)**

In August 2005, a feedback form was sent to all AFI grantees to identify
the data they are currently collecting, the data they are not collecting
but would consider collecting, and the data they would not want to
collect. Grantees were given a month to complete the form. They were
also provided with opportunities to learn more about the form and the
overall project at three AFI Academies held in Baltimore, Chicago, and
Oakland in August and two AFI grantee conference calls in September. A
total of 114 grantees submitted answers to the form; 234 grantees
attended the Academies, and 50 grantees participated in the calls. A
list of organizations submitting the form is presented in Appendix D.
The data included on the feedback form was based on stakeholder
interviews and the document review mentioned above.

The results of the feedback form as presented as Appendix E. Some key
highlights in terms of the scope and size of the programs submitting the
form are as follows:

-   Most AFI grantees have relatively small programs. Just over half of
    grantees who responded (52 percent) have 50 or fewer AFI account
    open right now; 70 percent of grantees have 100 or fewer accounts.

-   The presence of non-AFI accounts is minimal. Half of the grantees
    who responded do not offer non-AFI accounts, 25 percent have 25 or
    fewer non-AFI accounts open now, and the remaining 25 percent have
    more than 25 non-AFI accounts open now.

-   Homeownership is the most popular allowable asset purchase (94
    percent of AFI grantees), followed by higher education (87 percent),
    small business (84 percent), and transfer of accounts to a dependent
    for education (32 percent).

-   In terms of program goals, over 90 percent of grantees listed asset
    purchases, regular savings habits, increase in knowledge about
    financial products and services, changes in behavior related to
    savings and budgeting, and credit repair/establishment. Net worth
    (81 percent), community stability (77 percent), and community
    involvement (66 percent) were listed less frequently

-   Only 38 percent classify their IDA program as a stand alone program,
    while 43 percent say it is part of a broader program such as a
    microenterprise or housing program

Grantees were asked to review a list of over 100 potential performance
measures including both output and outcome measures. They were asked to
check one of three boxes for each measure: 1) we currently collect data
about this item; 2) we do not currently collect data about this item but
would consider collecting it; and 3) we would not want to collect data
about this item.

The following measures are already collected by 75 percent or more of
grantees:[^1]

+-----------------------------------------------------------------------+
| -   Number of accounts opened (98%)[^2]                               |
|                                                                       |
| -   Total amount provided as matches for participant savings (95%)    |
|                                                                       |
| -   Total number of participants per asset goal (93%)                 |
|                                                                       |
| -   Total number of participants making asset purchases by type (93%) |
|                                                                       |
| -   Number of accounts closed for reasons other than asset purchase   |
|     (92%)                                                             |
|                                                                       |
| -   Number of participants reaching savings goal (92%)                |
|                                                                       |
| -   Number of individuals who completed economic skills classes and   |
|     asset specific classes (91%)                                      |
|                                                                       |
| -   Number of participants making approved withdrawals for asset      |
|     purchases (91%)                                                   |
|                                                                       |
| -   Income at account opening (91%)                                   |
|                                                                       |
| -   Total savings deposits (84%)                                      |
|                                                                       |
| -   Total assets at account opening (84%)                             |
|                                                                       |
| -   Total debt at account opening (81%)                               |
|                                                                       |
| -   Ask the following as part of a pre- and/or post- test: have       |
|     savings account other than IDA (80%) and have checking account    |
|     (79%)                                                             |
|                                                                       |
| -   Net worth or net financial assets at account opening (78%)        |
+-----------------------------------------------------------------------+

Another set of measures are already collected by between 50 percent and
75 percent of grantees:

+-----------------------------------------------------------------------+
| -   Percent of participants that opened accounts and made asset       |
|     purchases (69%)                                                   |
|                                                                       |
| -   Total number of unapproved withdrawals (68%)                      |
|                                                                       |
| -   Value of public assistance at account opening (67%)               |
|                                                                       |
| -   Number of businesses started (67%)                                |
|                                                                       |
| -   Number of businesses expanded (64%)                               |
|                                                                       |
| -   Total sales price of homes purchased (63%)                        |
|                                                                       |
| -   Number of participants with regular savings patterns (62%)        |
|                                                                       |
| -   Average savings account balance (61%)                             |
|                                                                       |
| -   Average monthly value of savings deposits (56%)                   |
|                                                                       |
| -   Average number of deposits per participant per year (55%)         |
|                                                                       |
| -   Total mortgage amount of homes purchased (55%)                    |
|                                                                       |
| -   Average number of participants making at least one deposit per    |
|     month (54%)                                                       |
|                                                                       |
| -   Credit score at account opening (52%)                             |
|                                                                       |
| -   Average length of time to meet savings goals (52%)                |
|                                                                       |
| -   Average dollar value of approved withdrawals (51%)                |
|                                                                       |
| -   Number of participants receiving down payment assistance (50%)    |
|                                                                       |
| -   Ask the following as part of a pre- and/or post- test: are        |
|     current on bills (65%), develop and use a budget and/or spending  |
|     plan (63%), save regularly (55%), have obtained credit report and |
|     understand it (50%)                                               |
+-----------------------------------------------------------------------+

In order to build on the capacity that already exists and to the limit
the burden on already under-funded grantees, it is likely that
performance measures drawing from the above two lists will receive the
greatest support from grantees. However, in general, most grantees were
open to collecting the overwhelming majority of the measures. The
following is a list of those measures that are either being collected or
would be considered by 70 percent or more of the grantees. The first
number is those who are collecting the data, and the second is those who
would consider it.

+-----------------------------------------------------------------------+
| -   Average number of months in which deposits are made per year per  |
|     participant (47%/42%)                                             |
|                                                                       |
| -   Total amount of down payment assistance received (42%/50%)        |
|                                                                       |
| -   Average dollar value of unapproved withdrawals (39%/43%)          |
|                                                                       |
| -   Average length of time to make asset purchase by type (39%/58%)   |
|                                                                       |
| -   Number of participants using direct deposit or automatic          |
|     allotment to make savings deposits (38%/54%)                      |
|                                                                       |
| -   Total tuition and fees leveraged for education (36%/50%)          |
|                                                                       |
| -   Total value of assets purchased for business (35%/50%)            |
|                                                                       |
| -   Income at asset purchase (34%/60%)                                |
|                                                                       |
| -   Credit score at asset purchase (33%/61%)                          |
|                                                                       |
| -   Use of resources like food banks, utility payment assistance, and |
|     so forth at account opening (30%/54%)                             |
|                                                                       |
| -   Total debts at asset purchase (28%/65%)                           |
|                                                                       |
| -   Loans and grants leveraged for education (25%/54%)                |
|                                                                       |
| -   Cost per account (25%/64%)                                        |
|                                                                       |
| -   Still in home one year after asset purchase (24%/67%)             |
|                                                                       |
| -   Total assets at asset purchase (24%/64%)                          |
|                                                                       |
| -   Number of loans leveraged for businesses (23%/57%)                |
|                                                                       |
| -   Total dollar value of loans leveraged for businesses (23%/59%)    |
|                                                                       |
| -   Savings as a percent of monthly income (22%/58%)                  |
|                                                                       |
| -   Number of participants receiving subsidized interest on mortgages |
|     leveraged (22%/60%)                                               |
|                                                                       |
| -   Net worth or net financial assets at asset purchase (21%/71%)     |
|                                                                       |
| -   Value of public assistance at asset purchase (18%/68%)            |
|                                                                       |
| -   Completed certificate or degree in higher education program       |
|     (18%/64%)                                                         |
|                                                                       |
| -   Still in business one year after asset purchase (17%/66%)         |
|                                                                       |
| -   Number of jobs created or retained by businesses (17%/62%)        |
|                                                                       |
| -   Consumer debt-service ratio lower than .1 at account opening      |
|     (13%/62%)                                                         |
|                                                                       |
| -   Still in home two years or later after asset purchase (13%/59%)   |
|                                                                       |
| -   Use of resources like food banks, utility payment assistance, and |
|     so forth at asset purchase (11%/66%)                              |
|                                                                       |
| -   Annual debt-service ratio lower than .3 at account opening        |
|     (10%/62%)                                                         |
|                                                                       |
| -   Consumer debt-service ratio lower than .1 at asset purchase       |
|     (8%/64%)                                                          |
|                                                                       |
| -   Obtained job as a result of the certificate or degree (7%/70%)    |
|                                                                       |
| -   Relative costs of serving different populations (7%/70%)          |
|                                                                       |
| -   Total assets at one year after asset purchase (6%/74%)            |
|                                                                       |
| -   Income one year after asset purchase (5%/77%)                     |
|                                                                       |
| -   Total debts one year after asset purchase (4%/75%)                |
|                                                                       |
| -   Net worth or net financial assets one year after asset purchase   |
|     (4%/72%)                                                          |
|                                                                       |
| -   Credit score one year after asset purchase (3%/70%)               |
|                                                                       |
| -   Ask the following as part of a pre- and/or post- test: use ATM or |
|     debit card (31%/58%), use direct deposit into either a checking   |
|     or savings account (43%/50%), use check cashing service or payday |
|     lender (22%/68%), participate in employer's retirement program or |
|     other retirement account (39%/53%), have received/are receiving   |
|     credit counseling/help with credit report (36%/58%), can evaluate |
|     credit card rates, fees, and terms (30%/62%), have health         |
|     insurance (49%/44%), have automobile insurance (25%/59%), have    |
|     renter's insurance (14%/69%)                                      |
+-----------------------------------------------------------------------+

Those measures that received the least support were those that involved
following participants for a year or two years after asset purchase. To
highlight the measures for which it would be difficult to find support,
the following list shows all those measures where 30% or more grantees
said they would not want to collect the data:

+-----------------------------------------------------------------------+
| -   Annual debt service ratio lower than .3 two years or later after  |
|     asset purchase (50%)                                              |
|                                                                       |
| -   Use of resources like food banks, utility payment assistance, and |
|     so forth at two years or later after asset purchase (48%)         |
|                                                                       |
| -   Consumer debt-service ratio lower than .1 two years or later      |
|     after asset purchase (47%)                                        |
|                                                                       |
| -   Value of public assistance two years or later after asset         |
|     purchase (44%)                                                    |
|                                                                       |
| -   Change in value of home two years or later after asset purchase   |
|     (41%)                                                             |
|                                                                       |
| -   Annual debt service ratio lower than .3 one year after asset      |
|     purchase (40%)                                                    |
|                                                                       |
| -   Credit score two years or later after asset purchase (40%)        |
|                                                                       |
| -   Total assets two year or later after asset purchase (37%)         |
|                                                                       |
| -   Total debt two years or later after asset purchase (37%)          |
|                                                                       |
| -   Consumer debt-service ratio lower than .1 one year after asset    |
|     purchase (37%)                                                    |
|                                                                       |
| -   Net worth or net financial assets two years or later after asset  |
|     purchase (36%)                                                    |
|                                                                       |
| -   Social connectedness and/or decrease in social isolation (36%)    |
|                                                                       |
| -   Involvement in caring for or helping others (36%)                 |
|                                                                       |
| -   Involvement in formal political processes -- voting, working on   |
|     campaigns, running for office (36%)                               |
|                                                                       |
| -   Use of resources like food banks, utility payment assistance, and |
|     so forth at one year after asset purchase (35%)                   |
|                                                                       |
| -   Property taxes generated by home purchases (35%)                  |
|                                                                       |
| -   Involvement in neighborhood/community affairs (34%)               |
|                                                                       |
| -   Still in business two years or later after asset purchase (33%)   |
|                                                                       |
| -   Income two years or more after asset purchase (33%)               |
|                                                                       |
| -   Value of public assistance at one year after asset purchase (31%) |
|                                                                       |
| -   Income earned at any point after graduation from higher education |
|     program (31%)                                                     |
|                                                                       |
| -   Change in value of home one year after asset purchase (31%)       |
|                                                                       |
| -   Annual debt service ratio lower than .3 at asset purchase (30%)   |
+-----------------------------------------------------------------------+

**Issues for the Discussion Group**

OCS would like insights from the Discussion Group concerning the input
provided by grantees on possible measures, standard definitions for
those measures, and strategies for identifying relevant baselines and
targets for the measures.

The above analysis provides a window into the possibilities for
performance measures for the AFI program. The largest opportunities seem
to draw on data that is or could be collected at account opening and at
asset purchase. These are two points in the process of most programs
where contact is made with the participants and at least some data is
already collected. The very fact that the programs have something that
the participant wants -- to open their account or make their asset
purchase -- facilitates data collection. Any measure that would require
collection one or two years after asset purchase is more problematic
given the limited resources that AFI provides for operating and
administrative costs.

Determining how best to calculate each of the measures may be the most
difficult task. Some measures may be ruled out because the data is
largely self-reported by participants and is difficult to verify. Net
worth and net financial asset are examples of such measures. Pre and
post tests of behavior and knowledge changes are another example. In
other cases, many grantees may be collecting data on a certain measure,
but they may use different sources and/or calculate the measure in
different ways. Value of public assistance is such as example. Another
issue is cost. While some measures like credit score can be documented
using comparable measures, there is a cost to the program for pulling
credit reports.

Finally, as was suggested by several individuals during the interviews,
it will be difficult to set baseline measures and performance targets
during the first several years of this effort. Unless these measures are
based on several years of data, they will be pretty much a shot in the
dark.

**Appendix A**

**Individuals Interviewed**

Deborah Page Adams, Associate Professor, University of Kansas School of
Social Welfare, Overland Park, KS

Lina Alfieri-Stern, Program Director, IDA Collaborative of Louisiana,
New Orleans, LA

George Bailey, MIS Consultant, ISED Solutions, Coralville, IA

Denise Barrett, Program Officer, Foundation for the Mid South, Jackson,
MS

Rita Bowen, Senior Program Manager, Corporation for Enterprise
Development, Astoria, NY

Lois Carson, Janet Hough, and Katherine Latta., Community Action Project
of Riverside County, Riverside, CA.

Marisa Castuera, Pathways Out of Poverty, Oakland, CA

Cramer, Reid, Research Director, Asset Building Program, New American
Foundation, Washington, DC.

Emily DeMaria, Director, Community Impact Initiatives, United Way of
America, Alexandria, VA

Steven Dow, Executive Director, Community Action Project of Tulsa
County, Tulsa, OK

Bob Friedman, General Counsel, CFED, San Francisco, CA.

Paul Garro, Northeast Independence District, San Antonio, TX

Inger Giuffrida, Assets Alliance, Norman, OK

Marie Hawe, IDA Training and Technical Assistance/Connecticut IDA
Clearinghouse, CTE, Inc., Stamford, CT

Barclay Jones, Vice President, Assets for Family Success, Mile High
United Way, Denver, CO

Glenn Kamber, ROMA Clearinghouse, Alexandria, VA

Dan Kornelis, Housing Director, Forsyth County, Winston-Salem, NC

Jan Losby, ISED Solutions, Gulfport, MS

Ben Mangan, Executive Director, EARN, San Francisco, CA

Michelle Meiser, Allston Brighton CDC, Allston, MA

Lisa Mensah, Executive Director, Aspen Institute, Initiative on
Financial Security, New York, NY

Greg Mills, Senior Associate, Abt Associates, Cambridge, MA

Eric Muschler, Director, Michigan IDA Partnership, Livonia, MI

Mary Niebling, Community Economic Development Director, Central Vermont
Community Action Council, Barre, VT

Kim Pate, Director, Field Development, Corporation for Enterprise
Development, Washington, DC

Karl Pnazek, CAP Services,

Dory Rand, Supervising Attorney, Community Investment, Sargent Shriver
National Center Poverty Law, Chicago, IL

Carl Rist, Director, CFED South, Durham, NC.

Margot Rollins, Peninsula Foundation,

Pam Salsedo, Director, CC-MATCH, Oakland, CA

Michael Sherraden, Director, Center for Social Development, Washington
University, St. Louis, MO.

Irene Skricki, Program Office, Annie E. Casey Foundation, Baltimore, MD

John Thompson, IDA Project Manager, United Way of Metro Atlanta,
Atlanta, GA

Woody Widrow, Director, Texas IDA Network, Austin, TX

Linda Woods, CASA of Oregon,

Margaret Miley, MIDAS, Allston, MA

**Appendix B**

**Materials Reviewed**

Anderson, Steve; Scott, Jeff; Zhan, Min. (2004). Financial Links for
Low-Income People (FLIIP) Final Evaluation Report. University of
Illinois at Urbana-Champaign School of Social Work.

Assets for All Alliance. Data Form for Target Summary.

Assets for All Alliance. Year Five MOU: September 2003-December 2004,
Target Summary Report for August 2004.

Central Vermont Community Action Council. Vermont IDA Programs --
Outcome Measures.

EARN. (2004). EARN Q1 Summary, 2004. San Francisco, CA: EARN.

McBride, Amanda Moore; Hanson, Stacie Lintvedt; Beverly, Sondra;
Schreiner, Mark; Sherraden, Michael; and Johnson, Lissa. (2004). Asset
Building: Increasing the Capacity for Performance Measurement and
Effects. St. Louis, MO: Washington University's Center for Social
Development.

Miller, Maurice Lim; Castuera, Marisa; Chao, Michelle; Sadowski,
Katherine. Pathways Out of Poverty, Early Lessons of the Family
Independence Initiative, The First Two Years of Operation, 2001-2003.
Oakland, CA: Family Independence Initiative.

Office of Management and Budget. (2003). Performance Measurement
Challenges and Strategies.

Office of Management and Budget. (2004). Presentation on the Program
Assessment Rating Tool at the AFI Grantees Conference in New Orleans,
LA.

ROMA Clearinghouse. (2004). Guide to Organizing and Reporting National
Indicators of Community Action Performance.

**Appendix C**

**Data Elements for Congressional Report**

**AFI Account Holder Characteristics**

-   Number of individuals who attended an AFI orientation or
    informational meeting

-   Number of individuals who submitted an application to become an AFI
    participant

-   Number of individuals who enrolled in the AFI project

-   Number of individuals who opened an AFI account

-   Gender of AFI account holders

-   Race/ethnicity of AFI account holders

-   Age group of AFI account holders at the time of enrollment

-   Marital status of AFI account holders at the time of enrollment

-   Employment status of AFI account holders at the time of enrollment

-   Education attainment of AFI account holders at the time of
    enrollment

-   Number of AFI account holders by location type (major urban, minor
    urban, rural, or remote)

-   Number of adults in the household of the AFI account holder at the
    time of enrollment

-   Number of children in the household of the AFI account holder at the
    time of enrollment

-   Number of AFI account holders by reported earned income at the time
    of enrollment

-   Number of AFI account holders who reported that they owned an
    automobile at the time of enrollment

-   Number of AFI account holders who reported that they owned a home at
    the time of enrollment

-   Number of AFI account holders who reported that they owned a
    business at the time of enrollment

-   Number of AFI account holders who reported that they received TANF
    at the time of enrollment

-   Number of AFI account holders who reported that they had ever
    received EITC funds at the time of enrollment

-   Number of AFI account holders who had ever owned a checking account
    prior to opening an AFI IDA account

-   Number of AFI account holders who had ever owned a savings account
    prior to opening an AFI IDA account

-   Number of AFI account holders who had ever used direct deposit prior
    for their paychecks to opening an AFI IDA account

-   Intended use of AFI IDA at the time of enrollment

**AFI Account Holder Savings**

-   Total number of AFI IDA accounts ever opened

-   Total number of AFI IDA accounts that were ever closed

-   Total amount that AFI IDA participants deposited in their accounts

-   Number of AFI IDA account holders who use automatic
    allotment/deposit procedures

**AFI Account Holder Withdrawals**

-   Total number of withdrawals, by purpose (home, education, business,
    transfer to family member's IDA)

-   Total number of participants who made withdrawals, by purpose

-   Total amount of fund withdrawn from AFI IDA account for the asset
    purchase, by purpose

-   Total amount of AFI grant funds disbursed as matching funds for the
    asset purchase, by purpose

-   Total amount of non-federal cash contributions disbursed as matching
    funds for the asset purchase, by purpose

-   Total number of emergency withdrawals

-   Total number of participants who made emergency withdrawals

-   Total amount of funds withdrawn from AFI IDAs (not including
    matching funds) for emergency uses

-   Total number of voluntary withdrawals/terminations

-   Total number of participants who made voluntary
    withdrawals/terminated their participation

-   Total amount of funds withdrawn from AFI IDAs (not including
    matching funds) for voluntary withdrawals/terminations

**Appendix D**

**Organizations Responding to the Grantee Feedback Form**

  -----------------------------------------------------------------------
  Action for a Better Community, inc.

  Alternatives Federal Credit Union

  Alternatives Federal Credit Union

  ALU LIKE, Inc.

  Assemblies of God Financial Services

  Belmont Shelter Corp.

  Broward County Board of County Commissioners

  Butler County Home Ownership Corporation

  Cabrillo Economic Development Corporation

  Camden County Council on Economic Opportunity, Inc.

  CAP Services, Inc.

  Capital Area Asset Building Corp.

  CASA of Oregon

  Catholic Charities

  Central Arkansas Development Council

  Chicanos Por La Causa

  City of Los Angeles

  City of San Antonio

  City of Tucson

  Coastal Enterprises, Inc.

  Community Action Agency

  Community Action Council of South Texas

  Community Action New Mexico

  Community Action Partnership of Ramsey and Washington Counties

  Community Action Program of Evansville & Vanderburgh County, Inc.

  Community Action Program, Inc. of Taylor County

  Community Development Corporation of Long Island

  Community Housing Development Corporation of North Richmond

  Community Service Network, Inc.

  Cook Inlet Tribal Council, Inc.

  Co-Opportunity Inc.

  Co-opportunity, Inc.

  Covenant Community Capital Corporation

  CT Department of Labor

  CTE, Inc.

  Dickinson CAP

  District 7 HRDC

  Durham Regional Community Development Group

  EARN

  Economic and Community Development Institute

  Economic Opportunity Agency of Washington County, Inc.

  El Paso Collaborative for Community and Economic Development

  Empower New Haven

  Family Housing Advisory Services, Inc.

  Family Services Center

  First State Community Loan Fund

  FiveCAP Inc.

  Foundation Communities

  FreshMinstries

  Fresno County EOC

  Goodwill Industries of San Antonio

  Gulf Coast Community Services Association

  Illinois Community Action Association

  Indiana Housing and Community Development Authority

  International Institute of Boston

  JEDI

  Ky. Comm. E.O.C.

  Learning Exchange

  Local Development Corporation of East NY

  Lower East Side Peoples FCU

  M.C.D.C.

  Mahube Community Council, Inc.

  Mesa Community Action Network, Inc.

  Michigan Neighborhood Partnership

  Michigan State University

  Mile High United Way

  Missouri Association for Community Action

  Mount Hope Housing Company, Inc.

  NC Department of Labor

  Neighborhood Housing Development Corporation

  NEW CENTURY IDA

  New Mexico Association of Community Action Agencies

  New Mexico Association of Community Action Agencies

  NH Community Loan Fund

  NJ Department of Community Affairs

  Non-Profit Assistance Corporation

  Northwest New Mexico Community Development Corporation

  Oakland Livingston Human Service Agency

  Ohio CDC Association

  Pa Dept of Community and Economic Development

  Pacific Gateway Center

  Partners Fro Self Employment, Inc d.b.a. Micro-Business, USA

  Penquis Community Action Program

  People\'s Community Development Corporation

  Pikes Peak Community Action Agency

  Potter County Human Services

  SENDCAA

  South Arkansas Community Development

  South Central Community Action Program, Inc.

  Southern Good Faith Fund

  Stark County Out of Poverty Partnership, Inc.

  Student Alternatives Program

  The Center for Women and Families

  The Urban League of the Upstate

  Total Action Against Poverty in the Roanoke Valley

  Tuscaloosa Housing Authority

  United Way of Greater Los Angeles

  United Way of Metropolitan Atlanta

  United Way of Palm Beach County

  United Way of Southeastern Pennsylvania

  United Way of Treasure Valley

  Upper Cumberland Human Resource Agency

  Upper East Tennessee Human Development Agency

  Utah Issues Center for Poverty Research And Action

  WECO Fund, Inc.

  Wesst Corp

  West Central Minnesota Communities Action, Inc.

  Westchester Housing Fund

  Western Carolina Community Action

  WI Women\'s Business Initiative Corporation

  Wisconsin Community Action Program Association (WISCAP)

  Women\'s Opportunities Resource Center (subgrantee of PA DCED)

  YWCA of Rochester & Monroe County
  -----------------------------------------------------------------------

**Appendix E**

**Summary Results from Grantee Feedback Form**

+---+----------------------------------+---------------------------------+
| * |                                  |                                 |
| * |                                  |                                 |
| B |                                  |                                 |
| a |                                  |                                 |
| c |                                  |                                 |
| k |                                  |                                 |
| g |                                  |                                 |
| r |                                  |                                 |
| o |                                  |                                 |
| u |                                  |                                 |
| n |                                  |                                 |
| d |                                  |                                 |
| * |                                  |                                 |
| * |                                  |                                 |
+---+----------------------------------+---------------------------------+
| 1 | Name of person submitting form   | 114 Respondents                 |
| \ |                                  |                                 |
| . |                                  |                                 |
+---+----------------------------------+---------------------------------+
| 2 | Date submitted                   | 114 Respondents                 |
| \ |                                  |                                 |
| . |                                  |                                 |
+---+----------------------------------+---------------------------------+
| 3 | Name of the grantee organization | 114 Respondents                 |
| \ |                                  |                                 |
| . |                                  |                                 |
+---+----------------------------------+---------------------------------+
| 4 | Grantee organization's address.  | 114 Respondents                 |
| \ |                                  |                                 |
| . | (Street, Address, Locality and   |                                 |
|   | State)                           |                                 |
+---+----------------------------------+---------------------------------+
| 5 | Number of AFI grants this        | 114 Respondents                 |
| \ | organization administers         |                                 |
| . |                                  |                                 |
+---+----------------------------------+---------------------------------+
| 6 | AFI grant number(s)              | 114 Respondents                 |
| \ |                                  |                                 |
| . |                                  |                                 |
+---+----------------------------------+---------------------------------+
| * |                                  |                                 |
| * |                                  |                                 |
| C |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| l |                                  |                                 |
| o |                                  |                                 |
| a |                                  |                                 |
| d |                                  |                                 |
| \ |                                  |                                 |
| - |                                  |                                 |
| - |                                  |                                 |
| A |                                  |                                 |
| F |                                  |                                 |
| I |                                  |                                 |
| I |                                  |                                 |
| D |                                  |                                 |
| A |                                  |                                 |
| A |                                  |                                 |
| c |                                  |                                 |
| c |                                  |                                 |
| o |                                  |                                 |
| u |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
| s |                                  |                                 |
| R |                                  |                                 |
| e |                                  |                                 |
| s |                                  |                                 |
| p |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| P |                                  |                                 |
| e |                                  |                                 |
| r |                                  |                                 |
| c |                                  |                                 |
| e |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
| R |                                  |                                 |
| e |                                  |                                 |
| s |                                  |                                 |
| p |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| T |                                  |                                 |
| o |                                  |                                 |
| t |                                  |                                 |
| a |                                  |                                 |
| l |                                  |                                 |
| * |                                  |                                 |
| * |                                  |                                 |
+---+----------------------------------+---------------------------------+
| W |                                  | 0 -- 25 38.1 % 43               |
| h |                                  |                                 |
| a |                                  | 26 -- 50 14.2% 16               |
| t |                                  |                                 |
| i |                                  | 51 -- 75 8% 9                   |
| s |                                  |                                 |
| t |                                  | 76 -- 100 9.7% 11               |
| h |                                  |                                 |
| e |                                  | 101 -- 125 7.1% 8               |
| e |                                  |                                 |
| s |                                  | 126 -- 150 3.5% 4               |
| t |                                  |                                 |
| i |                                  | 151 -- 175 3.5% 4               |
| m |                                  |                                 |
| a |                                  | 176 -- 200 2.7% 3               |
| t |                                  |                                 |
| e |                                  | 200 or more 13.3% 15            |
| d |                                  |                                 |
| n |                                  |                                 |
| u |                                  |                                 |
| m |                                  |                                 |
| b |                                  |                                 |
| e |                                  |                                 |
| r |                                  |                                 |
| o |                                  |                                 |
| f |                                  |                                 |
| A |                                  |                                 |
| F |                                  |                                 |
| I |                                  |                                 |
| I |                                  |                                 |
| D |                                  |                                 |
| A |                                  |                                 |
| a |                                  |                                 |
| c |                                  |                                 |
| c |                                  |                                 |
| o |                                  |                                 |
| u |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
| s |                                  |                                 |
| t |                                  |                                 |
| h |                                  |                                 |
| e |                                  |                                 |
| g |                                  |                                 |
| r |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
| e |                                  |                                 |
| e |                                  |                                 |
| o |                                  |                                 |
| r |                                  |                                 |
| g |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| i |                                  |                                 |
| z |                                  |                                 |
| a |                                  |                                 |
| t |                                  |                                 |
| i |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
| h |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
| o |                                  |                                 |
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| e |                                  |                                 |
| n |                                  |                                 |
| n |                                  |                                 |
| o |                                  |                                 |
| w |                                  |                                 |
| ? |                                  |                                 |
| ( |                                  |                                 |
| P |                                  |                                 |
| l |                                  |                                 |
| e |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
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| d |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
| o |                                  |                                 |
| t |                                  |                                 |
| i |                                  |                                 |
| n |                                  |                                 |
| c |                                  |                                 |
| l |                                  |                                 |
| u |                                  |                                 |
| d |                                  |                                 |
| e |                                  |                                 |
| t |                                  |                                 |
| h |                                  |                                 |
| o |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| t |                                  |                                 |
| h |                                  |                                 |
| a |                                  |                                 |
| t |                                  |                                 |
| h |                                  |                                 |
| a |                                  |                                 |
| v |                                  |                                 |
| e |                                  |                                 |
| b |                                  |                                 |
| e |                                  |                                 |
| e |                                  |                                 |
| n |                                  |                                 |
| c |                                  |                                 |
| l |                                  |                                 |
| o |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| d |                                  |                                 |
| f |                                  |                                 |
| o |                                  |                                 |
| r |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| y |                                  |                                 |
| r |                                  |                                 |
| e |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
| . |                                  |                                 |
| ) |                                  |                                 |
+---+----------------------------------+---------------------------------+
| H |                                  | 0 -- 25 57.5% 65                |
| o |                                  |                                 |
| w |                                  | 26 -- 50 14.2% 16               |
| m |                                  |                                 |
| a |                                  | 51 -- 75 7.1% 8                 |
| n |                                  |                                 |
| y |                                  | 76 -- 100 5.3% 6                |
| A |                                  |                                 |
| F |                                  | 101 -- 125 4.4% 5               |
| I |                                  |                                 |
| I |                                  | 126 -- 150 1.8% 2               |
| D |                                  |                                 |
| A |                                  | 151 -- 175 0.9% 1               |
| a |                                  |                                 |
| c |                                  | 176 -- 200 1.8% 2               |
| c |                                  |                                 |
| o |                                  | 200 or more 7.1% 8              |
| u |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
| s |                                  |                                 |
| h |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
| t |                                  |                                 |
| h |                                  |                                 |
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| g |                                  |                                 |
| r |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| t |                                  |                                 |
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| o |                                  |                                 |
| r |                                  |                                 |
| g |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| i |                                  |                                 |
| z |                                  |                                 |
| a |                                  |                                 |
| t |                                  |                                 |
| i |                                  |                                 |
| o |                                  |                                 |
| n |                                  |                                 |
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| v |                                  |                                 |
| e |                                  |                                 |
| r |                                  |                                 |
| c |                                  |                                 |
| l |                                  |                                 |
| o |                                  |                                 |
| s |                                  |                                 |
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| d |                                  |                                 |
| f |                                  |                                 |
| o |                                  |                                 |
| r |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
| s |                                  |                                 |
| e |                                  |                                 |
| t |                                  |                                 |
| p |                                  |                                 |
| u |                                  |                                 |
| r |                                  |                                 |
| c |                                  |                                 |
| h |                                  |                                 |
| a |                                  |                                 |
| s |                                  |                                 |
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| ? |                                  |                                 |
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| l |                                  |                                 |
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| p |                                  |                                 |
| r |                                  |                                 |
| o |                                  |                                 |
| v |                                  |                                 |
| i |                                  |                                 |
| d |                                  |                                 |
| e |                                  |                                 |
| a |                                  |                                 |
| n |                                  |                                 |
| e |                                  |                                 |
| s |                                  |                                 |
| t |                                  |                                 |
| i |                                  |                                 |
| m |                                  |                                 |
| a |                                  |                                 |
| t |                                  |                                 |
| e |                                  |                                 |
| . |                                  |                                 |
| ) |                                  |                                 |
+---+----------------------------------+---------------------------------+

+------------------------------------+---------------------------------+
| **Caseload \-- Non-AFI IDA         |                                 |
| Accounts**                         |                                 |
+------------------------------------+---------------------------------+
| If your organization manages       | We do not manage non-AFI IDAs   |
| non-AFI IDA accounts, what is the  | 49.6% 56                        |
| estimated number open now? (Please |                                 |
| do not include those that have     | 0 -- 25 25.7% 29                |
| been closed for any reason.)       |                                 |
|                                    | 26 -- 50 4.4% 5                 |
|                                    |                                 |
|                                    | 51 -- 75 4.4% 5                 |
|                                    |                                 |
|                                    | 76 -- 100 3.5% 4                |
|                                    |                                 |
|                                    | 101 -- 125 2.7% 3               |
|                                    |                                 |
|                                    | 126 -- 150 2.7% 3               |
|                                    |                                 |
|                                    | 151 -- 175 1.8% 2               |
|                                    |                                 |
|                                    | 176 -- 200 0% 0                 |
|                                    |                                 |
|                                    | 200 or more 5.3% 6              |
+------------------------------------+---------------------------------+
| If your organization manages       | 0 -- 25 27.4% 31                |
| non-AFI IDA accounts, how many     |                                 |
| have been closed for asset         | 26 -- 50 1.8% 2                 |
| purchases? (Please provide an      |                                 |
| estimate.)                         | 51 -- 75 0.9% 1                 |
|                                    |                                 |
|                                    | 76 -- 100 3.5% 4                |
|                                    |                                 |
|                                    | 101 -- 125 3.5% 4               |
|                                    |                                 |
|                                    | 126 -- 150 1.8% 2               |
|                                    |                                 |
|                                    | 151 -- 175 0.9% 1               |
|                                    |                                 |
|                                    | 176 -- 200 0% 0                 |
|                                    |                                 |
|                                    | 200 or more 10.6% 12            |
+------------------------------------+---------------------------------+
| **Allowable Asset Purchases**      |                                 |
+------------------------------------+---------------------------------+
| What asset purchases does your     | a\) Home ownership 93.8% 108    |
| organization allow?                |                                 |
|                                    | b\) Small business 84.1% 95     |
|                                    |                                 |
|                                    | c\) Higher education 86.7% 98   |
|                                    |                                 |
|                                    | d\) Transfer account to a       |
|                                    |                                 |
|                                    | dependent for their education   |
|                                    | 31.9% 36                        |
|                                    |                                 |
|                                    | e\) Other (please specify)      |
|                                    | 19.5% 22                        |
+------------------------------------+---------------------------------+
| **Goals of the Grantee             |                                 |
| Organization's Overall IDA         |                                 |
| Program**                          |                                 |
+------------------------------------+---------------------------------+
| What are the grantee               | a\) Asset purchases 97.3% 108   |
| organization's goals for its       |                                 |
| overall IDA program?               |                                 |
|                                    |                                 |
| (By "overall IDA program" we mean  |                                 |
| the combination of its AFI Project |                                 |
| and any non-AFI IDA projects it    |                                 |
| administers.)                      |                                 |
|                                    |                                 |
| (Please mark all responses that    |                                 |
| apply.)                            |                                 |
+------------------------------------+---------------------------------+
|                                    | b\) Regular savings habits      |
|                                    | 96.4% 107                       |
+------------------------------------+---------------------------------+
|                                    | c\) Increase in knowledge about |
|                                    |                                 |
|                                    | financial products and services |
|                                    | 93.7% 104                       |
+------------------------------------+---------------------------------+
|                                    | d\) Changes in behaviors and    |
|                                    | attitudes related to savings,   |
|                                    | budgeting, and so forth. 96.4%  |
|                                    | 107                             |
+------------------------------------+---------------------------------+
|                                    | e\) Developing relationships    |
|                                    | with                            |
|                                    |                                 |
|                                    | financial institutions 87.4% 97 |
+------------------------------------+---------------------------------+
|                                    | f\) Community stability 76.6%   |
|                                    | 85                              |
+------------------------------------+---------------------------------+
|                                    | g\) Community involvement 65.8% |
|                                    | 73                              |
+------------------------------------+---------------------------------+
|                                    | h\) Credit repair /             |
|                                    | establishment 91% 101           |
+------------------------------------+---------------------------------+
|                                    | i\) Increased net worth 81.1%   |
|                                    | 90                              |
+------------------------------------+---------------------------------+
|                                    | j\) Other -- please specify     |
|                                    | 15.3% 17                        |
+------------------------------------+---------------------------------+

+------------------------------------+---------------------------------+
| **Operating Budget**               |                                 |
+------------------------------------+---------------------------------+
| What is the estimated total        | 109                             |
| [operating budget]{.underline} of  |                                 |
| the grantee organization's overall |                                 |
| IDA program?                       |                                 |
|                                    |                                 |
| By "operating budget" we mean the  |                                 |
| operating budget for administering |                                 |
| its AFI Project(s) and any non-AFI |                                 |
| IDA project(s).                    |                                 |
|                                    |                                 |
| Please do not include funding for  |                                 |
| participant's IDA matches \-- only |                                 |
| include the budget for             |                                 |
| administration and program         |                                 |
| operations.                        |                                 |
+------------------------------------+---------------------------------+
| **Classify the IDA Program**       |                                 |
+------------------------------------+---------------------------------+
| How does the grantee organization  | a\) Stand-Alone IDA program (a  |
| classify its overall IDA program?  | program that only administers   |
|                                    | IDAs) 37.6% 41                  |
+------------------------------------+---------------------------------+
|                                    | b\) A program that is a feature |
|                                    | or product of a broader program |
|                                    | such as a micro-enterprise or   |
|                                    | housing program) 43.1% 47       |
+------------------------------------+---------------------------------+
|                                    | c\) Other -- please specify 22% |
|                                    | 24                              |
+------------------------------------+---------------------------------+

**Grantee Practices and Preferences \-- Collecting Data for AFI
Performance Measures**

**(output and outcome measures and other data)**

This section focuses on whether the grantee organization currently uses
or would consider using particular performance measures and related
data. Several measures and data elements are listed in the left-hand
column in the following tables. For each, choose one of the three
responses:

a)  Grantee currently collects data about this item;

b)  Grantee does not currently collect data about this item, but would
    consider collecting it;

c)  Grantee would [not]{.underline} want to collect data about this
    item.

If the following list does not include items or measures your
organization currently uses, or if it does not reflect data that your
organization currently collects, please tell us. There is space at the
end of the feedback form for listing additional measures and related
data.

Finally, please use the space at the end of the feedback form to share
details or clarifications about any of your responses.

+---+------------------------------+----------+---------+---------------+
| * |                              | *        | **      | **Grantee     |
| * |                              | *Grantee | Grantee | would not     |
| P |                              | c        | does    | want to       |
| o |                              | urrently | not     | collect data  |
| t |                              | collects | cu      | about this    |
| e |                              | data     | rrently | item.**       |
| n |                              | about    | collect |               |
| t |                              | this     | data    |               |
| i |                              | item.**  | about   |               |
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| f |                              |          | onsider |               |
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| m |                              |          | it.**   |               |
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+===+==============================+==========+=========+===============+
| * |                              |          |         |               |
| * |                              |          |         |               |
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| n |                              |          |         |               |
| t |                              |          |         |               |
| * |                              |          |         |               |
| * |                              |          |         |               |
+---+------------------------------+----------+---------+---------------+
| 1 | Number of accounts opened.   | **98%    | 1% (1)  | 1% (1)        |
| \ |                              | (107)**  |         |               |
| . |                              |          |         |               |
+---+------------------------------+----------+---------+---------------+
| 2 | Number of accounts closed    | **92%    | 7% (8)  | 1% (1)        |
| \ | for reasons other than asset | (100)**  |         |               |
| . | purchase (such as emergency  |          |         |               |
|   | withdrawals, left the        |          |         |               |
|   | program, and so forth)       |          |         |               |
+---+------------------------------+----------+---------+---------------+

  ------------- ------------------------------- ----------- ---------- ---------------
  **Economic                                                           
  Skills**                                                             

  3\.           Number of individuals who       **91%       8% (9)     1% (1)
                completed economic skills       (98)**                 
                classes                                                

  4\.           Number of individuals who       **91%       7% (8)     2% (2)
                completed asset specific        (98)**                 
                classes                                                

                                                                       

  **Changes in                                                         
  Knowledge /                                                          
  Behaviors,                                                           
  Part 1 -- PRE                                                        
  or POST                                                              
  TESTS**                                                              

  5\.           Pre-test of knowledge or        **47%       44% (47)   9% (10)
                attitudes of participants       (51)**                 
                before economic skills classes                         

  6\.           Post-test of knowledge or       45% (9)     **46%      8% (9)
                attitudes of participants after             (50)**     
                economic skills classes                                

                                                                       

  **Changes in                                                         
  Knowledge /                                                          
  Behaviors,                                                           
  Part 2 --                                                            
  BANKING AND                                                          
  FINANCIAL                                                            
  SERVICES**                                                           

  7\. Ask any                                                          
  of the                                                               
  following                                                            
  questions as                                                         
  part of a pre                                                        
  and/or                                                               
  post-test?                                                           

  a\.           Have checking account           **79%       19% (20)   3% (3)
                                                (85)**                 

  b\.           Use ATM or debit card           31% (33)    **58%      11% (12)
                                                            (63)**     

  c\.           Have savings account other than **80%       17% (18)   4% (4)
                IDA                             (86)**                 

  d\.           Save regularly                  **55%       39% (42)   6% (7)
                                                (59)**                 

  e\.           Use direct deposit into either  43% (46)    **50%      7% (8)
                a checking or savings account               (54)**     

  f\.           Use check cashing service or    22% (24)    **68%      8% (9)
                payday lender                               (75)**     

  g\.           Participate in employer's       39% (42)    **53%      8% (9)
                retirement program or other                 (57)**     
                retirement account                                     

                                                                       

  **Changes in                                                         
  Knowledge /                                                          
  Behaviors,                                                           
  Part 3 \--                                                           
  BUDGETING**                                                          

  7a. Ask any                                                          
  of the                                                               
  following                                                            
  questions as                                                         
  part of a pre                                                        
  and/or post                                                          
  test?                                                                

  h\.           Develop and use a budget and/or **63%       34% (37)   3% (3)
                spending plan                   (68)**                 

  i\.           Are current on bills            **65%       30% (32)   6% (6)
                                                (70)**                 
  ------------- ------------------------------- ----------- ---------- ---------------

+---+------------------------------+----------+---------+--------------+
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| ? |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| j | Have obtained credit report  | **50%    | 46%     | 4% (4)       |
| \ | and understand it            | (54)**   | (50)    |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| k | Have received / are          | 36% (39) | **58%   | 6% (6)       |
| \ | receiving credit counseling  |          | (63)**  |              |
| . | / help with credit report    |          |         |              |
+---+------------------------------+----------+---------+--------------+
| l | Can evaluate credit card     | 30% (32) | **62%   | 8% (9)       |
| \ | rates, fees and terms        |          | (67)**  |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
|   |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
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| t |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| m | Have health insurance        | **49%    | 44%     | 7% (8)       |
| \ |                              | (53)**   | (48)    |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| n | Have automobile insurance    | 25% (27) | **59%   | 17% (18)     |
| \ |                              |          | (64)**  |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| o | Have renter's insurance      | 14% (15) | **69%   | 17% (19)     |
| \ |                              |          | (75)**  |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
|   |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| * |                              |          |         |              |
| * |                              |          |         |              |
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| * |                              |          |         |              |
| * |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 8 | Total savings deposits       | **84%    | 13%     | 3% (3)       |
| \ |                              | (91)**   | (14)    |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 9 | Average dollar value of      | **56%    | 31%     | 12% (13)     |
| \ | monthly savings deposits     | (61)**   | (34)    |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Savings as a percent of      | 22% (24) | **58%   | 19% (21)     |
| 0 | monthly income               |          | (63)**  |              |
| \ |                              |          |         |              |
| . | (Savings deposit / monthly   |          |         |              |
|   | gross income)                |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Average savings account      | **61%    | 30%     | 9% (10)      |
| 1 | balance                      | (66)**   | (32)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Number of participants with  | **62%    | 33%     | 5% (5)       |
| 2 | a regular savings patterns   | (67)**   | (36)    |              |
| \ | (however the grantee         |          |         |              |
| . | organizations defines it)    |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Average number of deposits   | **55%    | 33%     | 12% (13)     |
| 3 | per participant per year     | (59)**   | (36)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Average number of months in  | **47%    | 42%     | 11% (12)     |
| 4 | which deposits are made per  | (51)**   | (45)    |              |
| \ | year per participant         |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Average number of            | **54%    | 38%     | 8% (9)       |
| 5 | participants making at least | (58)**   | (41)    |              |
| \ | one deposit per month        |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Total amount provided as     | **95%    | 3% (3)  | 2% (2)       |
| 6 | matches for participant      | (103)**  |         |              |
| \ | savings                      |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Total number of participants | **92%    | 6% (7)  | 2% (2)       |
| 7 | reaching savings goal        | (99)**   |         |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Average length of time to    | 52% (56) | 43%     | 6% (6)       |
| 8 | reach savings goal           |          | (46)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 1 | Number of participants using | 38% (41) | 54%     | 8% (9)       |
| 9 | direct deposit or automatic  |          | (58)    |              |
| \ | allotment to make savings    |          |         |              |
| . | deposits                     |          |         |              |
+---+------------------------------+----------+---------+--------------+
|   |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| * |                              |          |         |              |
| * |                              |          |         |              |
| A |                              |          |         |              |
| s |                              |          |         |              |
| s |                              |          |         |              |
| e |                              |          |         |              |
| t |                              |          |         |              |
| P |                              |          |         |              |
| u |                              |          |         |              |
| r |                              |          |         |              |
| c |                              |          |         |              |
| h |                              |          |         |              |
| a |                              |          |         |              |
| s |                              |          |         |              |
| e |                              |          |         |              |
| s |                              |          |         |              |
| a |                              |          |         |              |
| n |                              |          |         |              |
| d |                              |          |         |              |
| W |                              |          |         |              |
| i |                              |          |         |              |
| t |                              |          |         |              |
| h |                              |          |         |              |
| d |                              |          |         |              |
| r |                              |          |         |              |
| a |                              |          |         |              |
| w |                              |          |         |              |
| a |                              |          |         |              |
| l |                              |          |         |              |
| s |                              |          |         |              |
| * |                              |          |         |              |
| * |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Total number of participants | **93%    | 6% (6)  | 2% (2)       |
| 0 | per asset goal               | (100)**  |         |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Total number of participants | **91%    | 7% (8)  | 2% (2)       |
| 1 | making approved withdrawals  | (98)**   |         |              |
| \ | for asset purchases          |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Total number of unapproved   | **68% (  | 22%     | 10% (11)     |
| 2 | withdrawals                  | 73)**    | (24)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Total number of participants | **87%    | 12%     | 1%           |
| 3 | making approved withdrawals  | (94)**   | (13)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Average dollar value of      | **51%    | 42%     | 7% (8)       |
| 4 | approved withdrawals         | (55)**   | (45)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Average dollar value of      | 39% (42) | **43%   | 19% (20)     |
| 5 | unapproved withdrawals       |          | (46)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Total number of participants | **93%    | 6% (7)  | 1% (1)       |
| 6 | making asset purchases by    | (100)**  |         |              |
| \ | type                         |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Average length of time to    | 39% (42) | **58%   | 3% (3)       |
| 7 | make asset purchase, by type |          | (63)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Percent of participants that | **69%    | 29%     | 2% (2)       |
| 8 | opened accounts and made     | (75)**   | (31)    |              |
| \ | asset purchases              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
|   |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| * |                              |          |         |              |
| * |                              |          |         |              |
| F |                              |          |         |              |
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| P |                              |          |         |              |
| a |                              |          |         |              |
| r |                              |          |         |              |
| t |                              |          |         |              |
| 1 |                              |          |         |              |
| - |                              |          |         |              |
| - |                              |          |         |              |
| P |                              |          |         |              |
| A |                              |          |         |              |
| R |                              |          |         |              |
| T |                              |          |         |              |
| I |                              |          |         |              |
| C |                              |          |         |              |
| I |                              |          |         |              |
| P |                              |          |         |              |
| A |                              |          |         |              |
| N |                              |          |         |              |
| T |                              |          |         |              |
| I |                              |          |         |              |
| N |                              |          |         |              |
| C |                              |          |         |              |
| O |                              |          |         |              |
| M |                              |          |         |              |
| E |                              |          |         |              |
| * |                              |          |         |              |
| * |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 2 | Income at account opening    | **91%    | 8% (9)  | 1% (1)       |
| 9 |                              | (99)**   |         |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Income at asset purchase     | 34% (37) | **60%   | 6% (7)       |
| 0 |                              |          | (65)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Income one year after asset  | 5% (5)   | **77%   | 18% (20)     |
| 1 | purchase                     |          | (84)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Income two years or later    | 2% (2)   | **65%   | 33% (36)     |
| 2 | after asset purchase         |          | (71)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
|   |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| * |                              |          |         |              |
| * |                              |          |         |              |
| F |                              |          |         |              |
| i |                              |          |         |              |
| n |                              |          |         |              |
| a |                              |          |         |              |
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| o |                              |          |         |              |
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| i |                              |          |         |              |
| c |                              |          |         |              |
| I |                              |          |         |              |
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| d |                              |          |         |              |
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| t |                              |          |         |              |
| o |                              |          |         |              |
| r |                              |          |         |              |
| s |                              |          |         |              |
| , |                              |          |         |              |
| P |                              |          |         |              |
| a |                              |          |         |              |
| r |                              |          |         |              |
| t |                              |          |         |              |
| 2 |                              |          |         |              |
| - |                              |          |         |              |
| - |                              |          |         |              |
| P |                              |          |         |              |
| A |                              |          |         |              |
| R |                              |          |         |              |
| T |                              |          |         |              |
| I |                              |          |         |              |
| C |                              |          |         |              |
| I |                              |          |         |              |
| P |                              |          |         |              |
| A |                              |          |         |              |
| N |                              |          |         |              |
| T |                              |          |         |              |
| A |                              |          |         |              |
| S |                              |          |         |              |
| S |                              |          |         |              |
| E |                              |          |         |              |
| T |                              |          |         |              |
| S |                              |          |         |              |
| * |                              |          |         |              |
| * |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Total assets at account      | **84%    | 13%     | 3% (3)       |
| 3 | opening                      | (90)**   | (14)    |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Total assets at asset        | 24% (26) | **64%   | 12% (13)     |
| 4 | purchase                     |          | (68)**  |              |
| \ |                              |          |         |              |
| . |                              |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Total assets at one year     | 6% (6)   | **74%   | 21% (22)     |
| 5 | after asset purchase         |          | (79)**  |              |
| \ | (including the asset         |          |         |              |
| . | purchase)                    |          |         |              |
+---+------------------------------+----------+---------+--------------+
| 3 | Total assets two years or    | 2% (2)   | **61%   | 37% (40)     |
| 6 | later after asset purchase   |          | (65)**  |              |
| \ | (including the asset         |          |         |              |
| . | purchase)                    |          |         |              |
+---+------------------------------+----------+---------+--------------+

  ------------- ------------------------------- ----------- ---------- ---------------
  **Financial /                                                        
  Economic                                                             
  Indicators,                                                          
  Part 3 --                                                            
  PARTICIPANT                                                          
  DEBT**                                                               

  37\.          Total debt at account opening   **81%       18% (19)   1% (1)
                                                (87)**                 

  38\.          Total debt at asset purchase    28% (30)    **65%      7% (7)
                                                            (70)**     

  39\.          Total debt at one year after    4% (4)      **75%      21% (23)
                asset purchase                              (80)**     

  40\.          Total debt two years or later   0% (0)      **63%      37% (40)
                after asset purchase                        (67)**     

                                                                       

  **Financial /                                                        
  Economic                                                             
  Indicators,                                                          
  Part 4 --                                                            
  PARTICIPANT                                                          
  NET WORTH**                                                          

  41\.          Net worth or net financial      **78%       19% (20)   4% (4)
                assets at account opening       (83)**                 

  42\.          Net worth or net financial      21% (22)    **71%      8% (9)
                assets at asset purchase                    (76)**     

  43\.          Net worth or net financial      4% (4)      **72%      24% (26)
                assets at one year after asset              (77)**     
                purchase                                               

  44\.          Net worth or net financial      0% (0)      **64%      36% (39)
                assets two years or later after             (68)**     
                asset purchase                                         

                                                                       

  **Financial /                                                        
  Economic                                                             
  Indicators,                                                          
  Part 5 --                                                            
  PARTICIPANT                                                          
  CONSUMER                                                             
  DEBT**                                                               

  45\.          Consumer debt-service ratio     13% (14)    **62%      25% (27)
                lower than .1 at account                    (66)**     
                opening                                                

  46\.          Consumer debt-service ratio     8% (9)      **64%      28% (30)
                lower than .1 at asset purchase             (68)**     

  47\.          Consumer debt-service ratio     2% (2)      **61%      37% (40)
                lower than .1 at one year after             (65)**     
                asset purchase                                         

  48\.          Consumer debt-service ratio     0% (0)      **53%      47% (50)
                lower than .1 at two years or               (57)**     
                later after asset purchase                             

                                                                       

  **Financial /                                                        
  Economic                                                             
  Indicators,                                                          
  Part 6 --                                                            
  PARTICIPANT                                                          
  ANNUAL DEBT**                                                        

  49\.          Annual debt-service ratio lower 10% (11)    **62%      28% (30)
                than .3 at account opening                  (66)**     

  50\.          Annual debt-service ratio lower 6% (6)      **64%      30% (32)
                than .3 at asset purchase                   (69)**     

  51\.          Annual debt-service ratio lower 2% (2)      **58%      40% (43)
                than .3 at one year after asset             (62)**     
                purchase                                               

  52\.          Annual debt-service ratio lower 0% (0)      **50%      50% (53)
                than .3 two years after asset               (54)**     
                purchase                                               
  ------------- ------------------------------- ----------- ---------- ---------------

  -------------- ------------------------------- ----------- -------- --------- --------------
  **Financial /                                                                 
  Economic                                                                      
  Indicators,                                                                   
  Part 7 --                                                                     
  PARTICIPANT                                                                   
  CREDIT SCORE**                                                                

  53\.           Credit score at account opening **52%       42% (45)           6% (6)
                                                 (56)**                         

  54\.           Credit score at asset purchase  33% (35)    **61%              7% (7)
                                                             (65)**             

  55\.           Credit score at one year after  3% (3)      **70%              27% (29)
                 asset purchase                              (75)**             

  56\.           Credit score two years or later 0% (0)      **60%              40% (43)
                 after asset purchase                        (64)**             

                                                                                

  **Financial /                                                                 
  Economic                                                                      
  Indicators,                                                                   
  Part 8 --                                                                     
  PARTICIPANT                                                                   
  RECEIPT OF                                                                    
  PUBLIC                                                                        
  ASSISTANCE**                                                                  

  57\.           Value of public assistance at   **67%       26% (28)           7% (8)
                 account opening                 (72)**                         

  58\.           Value of public assistance at   18% (19)    **68%              15% (16)
                 asset purchase                              (73)**             

  59\.           Value of public assistance at   3% (3)      **66%              31% (34)
                 one year after asset purchase               (71)**             

  60\.           Value of public assistance two  0% (0)      **56%              44% (47)
                 years or later after asset                  (61)**             
                 purchase                                                       

                                                                                

  **Financial /                                                                 
  Economic                                                                      
  Indicators,                                                                   
  Part 9 --                                                                     
  PARTICIPANT                                                                   
  USES OF OTHER                                                                 
  ASSISTANCE**                                                                  

  61\.           Use of resources like food      30% (32)    **54%              16% (17)
                 banks, utility payment                      (58)**             
                 assistance, and so forth at                                    
                 account opening                                                

  62\.           Use of resources like food      11% (12)    **66%              22% (24)
                 banks, utility payment                      (71)**             
                 assistance, and so forth at                                    
                 asset purchase                                                 

  63\.           Use of resources like food      2% (2)      **64%              35% (37)
                 banks, utility payment                      (68)**             
                 assistance, and so forth at one                                
                 year after asset purchase                                      

  64\.           Use of resources like food      1% (1)      **51%              48% (51)
                 banks, utility payment                      (55)**             
                 assistance, and so forth at two                                
                 years or later after asset                                     
                 purchase                                                       

                                                                                

  **Value of                                                                    
  Asset Purchase                                                                
  / Leverage**                                                                  

  65\.           Total sales price of homes      **63%                34% (36)  4% (4)
                 purchased                       (67)**                         

  66\.           Total mortgage amount of homes  **55%                40% (43)  5% (5)
                 purchased                       (59)**                         

  67\.           Number of participants          **50%                41% (44)  8% (9)
                 receiving down payment          (54)**                         
                 assistance                                                     

  68\.           Total amount of down payment    42% (45)             **50%     8% (9)
                 assistance received                                  (53)**    

  69\.           Number of participants          22% (24)             **60%     18% (19)
                 receiving subsidized interest                        (64)**    
                 on mortgage leveraged                                          

  70\.           Number of loans leveraged for   23% (25)             **57%     20% (21)
                 business                                             (61)**    

  71\.           Total dollar value of loans     23% (25)             **59%     18% (19)
                 leveraged for business                               (63)**    

  72\.           Total value of assets purchased 35% (37)             **50%     16% (17)
                 for business                                         (53)**    

  73\.           Total tuition and fees          36% (39)             **50%     13% (14)
                 leveraged for education                              (54)**    

  74\.           Loans and grants leveraged for  25% (27)             **54%     21% (22)
                 education                                            (58)**    

  75\.           Income earned at any point      5% (5)               **64%     31% (33)
                 after graduation from higher                         (69)**    
                 education program                                              

                                                                                

  **Retention of                                                                
  Assets**                                                                      

  76\.           Still in home one year after    24% (26)    **67%              9% (10)
                 asset purchase                              (72)**             

  77\.           Still in home two years or      13% (14)    **59%              28% (30)
                 later after asset purchase                  (64)**             

  78\.           Still in business one year      17% (18)    **66%              18% (19)
                 after asset purchase                        (71)**             

  79\.           Still in business two years or  11% (12)    **56%              33% (36)
                 later after asset purchase                  (60)**             

  80\.           Completed certificate or degree 18% (19)    **64%              19% (20)
                 in higher education program                 (69)**             

  81\.           Obtained job as a result of the 7% (8)      **70%              22% (24)
                 degree or certificate                       (76)**             

  82\.           Changes in value of home one    6% (6)      **63%              31% (34)
                 year after asset purchase                   (68)**             

  83\.           Changes in value of home two    2% (2)      **57%              41% (44)
                 years or later after asset                  (62)**             
                 purchase                                                       

                                                                                

  **Community                                                                   
  Indicators**                                                                  

  84\.           Number of businesses started    **67%       19% (2)            14% (15)
                                                 (72)**                         

  85\.           Number of businesses expanded   **64%       21% (22)           15% (16)
                                                 (69)**                         

  86\.           Number of jobs created or       17% (18)    **62%              21% (23)
                 retained by businesses                      (66)**             

  87\.           Property taxes generated by     7% (8)      **58%              35% (37)
                 home purchases                              (62)**             

  88\.           Social connectedness and/or     7% (8)      **57%              36% (38)
                 decrease in social isolation                (61)**             

  89\.           Involvement in                  6% (6)      **61%              34% (36)
                 neighborhood/community affairs              (65)**             

  90\.           Involvement in caring for or    4% (4)      **60%              36% (39)
                 helping others                              (64)**             

  91\.           Involvement in formal political 1% (1)      **64%              36% (38)
                 processes -- voting, working on             (68)**             
                 campaign, running for office                                   

                                                                                

  **Efficiency                                                                  
  Measures**                                                                    

  92\.           Cost per account                25% (27)    **64%              10% (11)
                                                             (69)**             

  93\.           Relative costs of serving       7% (7)      **70%              23% (25)
                 different populations                       (75)**             
  -------------- ------------------------------- ----------- -------- --------- --------------

[^1]: During Conference Calls for grantees, a question was raised about
    whether or not the grantee had to have this data in a database to
    respond affirmatively that they are collecting the data or if they
    just needed to have it in a file or on paper somewhere. It was
    clarified that the latter would be sufficient but all grantees may
    not have heard this clarification.

[^2]: Some of the measures listed on the feedback form are required by
    AFI already. However, some of the grantees filling out the form are
    new this year and may not realize yet that the data elements are
    required.