@techreport{Kneiding2011Funding,
abstract = {This paper investigates whether self-employed households use consumer loans - in particular instalment loans and overdrafts - to finance business activities. Controlling for financial and non-financial household variables we show that self-employed households particularly use personal overdrafts significantly more often than employee households. When analyzing the correlation between consumer loan take-ups and consumption of self-employed in comparison to employee households, we find first evidence that overdrafts are used by self-employed to finance their business as well. This indicates that intermingling constitutes a financing strategy when regular business loans might not be accessible.},
address = {Bonn},
author = {Christoph Kneiding and Alexander S. Kritikos},
copyright = {http://www.econstor.eu/dspace/Nutzungsbedingungen},
keywords = {G32; D12; D14; 330; small business finance; consumer credit; financial intermingling; Selbstst\"{a}ndige; KMU; Finanzierung; Verbraucherkredit; Sch\"{a}tzung; Deutschland},
language = {eng},
note = {urn:nbn:de:101:1-201111213204},
number = {6093},
publisher = {IZA},
title = {Funding self-employment: The role of consumer credit},
type = {Discussion Paper series, Forschungsinstitut zur Zukunft der Arbeit},
url = {http://hdl.handle.net/10419/58527},
year = {2011}
}
