# Table (F4) Impacts of the Program on Financial Participation

|**Outcomes**|**Treatment**|**(se)**|**FDR**<br>**q-values**|**Control**<br>**mean**|**(sd)**|**N**|
|---|---|---|---|---|---|---|
|Has savings_≥_30 JD|0.01|(0.04)|[1.00]|0.09|(0.28)|1,321|
|Lent informally last month {0,1}|0.03|(0.02)|[1.00]|0.02|(0.14)|1,321|
|Lent informally last month (JD)|0.16|(0.53)|[1.00]|0.43|(3.48)|1,321|
|Borrowed informally last month {0,1}|-0.00|(0.06)|[1.00]|0.72|(0.45)|1,321|
|Borrowed informally last month (JD)|-34.49|(46.00)|[1.00]|229.83|(359.22)|1,318|
|Borrowed or lent formally last year {0,1}|0.02|(0.04)|[1.00]|0.07|(0.25)|1,321|

**_Notes_** :

- The table shows the regression results on pre-specified main outcomes using the 2022-2023 phone survey data. Each row is its own dependent variable.

- Has savings _≥_ 30 JD is an indicator for whether the household has more than 30 JD saved (in a bank or otherwise). Lent informally last month is an indicator for whether FR lent assistance to someone outside the household in the form of money or goods with the expectation of being paid back in money, goods or favors. Lent informally (JD) is the amount of this informal lenting in JD, including zeros. Borrowed informally in the past month is defined as above for borrowing, not lending. Borrowed or lent formally is an indicator for whether or not FR took out a formal loan (e.g. commercial bank, commercial lender mobile service provider, etc.) in the past 12 months.

- The regressions also have assessment month-by-year fixed effects, enumerator fixed effects, community-level controls (Irbid/Mafraq governorate and population quartile), and household-level controls (vulnerability-assessment quartile, shelter program, baseline number of children, baseline number of children plus adults, respondent gender, and respondent age). In the parentheses are robust standard errors clustered at the locality level. Regressions are weighted by the number of people interviewed in each household. Statistical significance represented by * (10%), ** (5%), and *** (1%). Q-values are calculated per Anderson (2008) and correspond to Family xxx in the preanalysis plan.

Table (F5) Impacts of the Program on Earnings, Labor, and Occupational Choice

|**Outcomes**|**Treatment**|**(se)**|**FDR**<br>**q-values**|**Control**<br>**mean**|**(sd)**|**N**|
|---|---|---|---|---|---|---|
|Earnings (JD, 30 days, IHS transform)|-0.52|(0.33)|[0.30]|1.81|(2.38)|1,321|
|Earnings (JD, 30 days, log transform)|0.01|(0.25)|[0.64]|3.90|(1.25)|527|
|Had any income generating work ({0,1}, 30 days)|-0.14*|(0.07)|[0.30]|0.40|(0.49)|1,321|
|Hours worked in typical week (30 days)|-6.11*|(3.41)|[0.30]|12.84|(24.02)|1,320|
|Hours worked last week|-2.45|(2.06)|[0.30]|6.40|(14.23)|1,253|
|Was self employed ({0,1}, 30 days)|-0.06|(0.07)|[0.32]|0.25|(0.44)|1,075|
|Was informally emplyed ({0,1}, 30 days)|-0.09|(0.05)|[0.30]|0.19|(0.39)|1,321|
|Was formally emplyed ({0,1}, 30 days)|-0.01|(0.01)|[0.32]|0.01|(0.08)|1,321|
|Hours worked incl. chores last week|-4.73*|(2.63)|[0.30]|20.93|(18.07)|1,300|
|Hours spent on job search last week|0.52|(1.19)|[0.58]|4.67|(8.31)|1,259|

**_Notes_** :

- The table shows the regression results on pre-specified main outcomes using the 2022-2023 phone survey data. Each row is its own dependent variable.

- Earnings include all earnings in the past 30 days from any income-generating activity including wage work and self employment. IHS transform is the inverse hyperbolic sine transform which includes zeros; log drops zeros. Any income generating work is an indicator for whether the FR did any income generating work, even for an hour, in the past 30 days. Hours worked in a typical week in the past 30 days refers to the hours of any income generating activity in a typical week in the past month. Hours worked last week refers to the last 7 days. Was ... employed are indicators referring to the following question “Was this work primarily self-employment, informal employment without a written contract, or formal employment with a written contract?” People not working have zeros. Hours worked including chores is “hours worked last week” + hours spent on household chores. Hours spent on job search last week on “actively searching for jobs, applying for jobs, or in interviews?”

- The regressions also have assessment month-by-year fixed effects, enumerator fixed effects, community-level controls (Irbid/Mafraq governorate and population quartile), and household-level controls (vulnerability-assessment quartile, shelter program, baseline number of children, baseline number of children plus adults, respondent gender, and respondent age). In the parentheses are robust standard errors clustered at the locality level. Regressions are weighted by the number of people interviewed in each household. Statistical significance represented by * (10%), ** (5%), and *** (1%). Q-values are calculated per Anderson (2008) and correspond to Family xxx in the preanalysis plan.

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