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dc.contributor.authorKneiding, Christophen_US
dc.contributor.authorKritikos, Alexander S.en_US
dc.date.accessioned2012-04-10en_US
dc.date.accessioned2012-06-15T07:39:12Z-
dc.date.available2012-06-15T07:39:12Z-
dc.date.issued2011en_US
dc.identifier.piurn:nbn:de:101:1-201111213204-
dc.identifier.urihttp://hdl.handle.net/10419/58527-
dc.description.abstractThis 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.en_US
dc.language.isoengen_US
dc.publisherIZA Bonnen_US
dc.relation.ispartofseriesDiscussion Paper series, Forschungsinstitut zur Zukunft der Arbeit 6093en_US
dc.subject.jelG32en_US
dc.subject.jelD12en_US
dc.subject.jelD14en_US
dc.subject.ddc330en_US
dc.subject.keywordsmall business financeen_US
dc.subject.keywordconsumer crediten_US
dc.subject.keywordfinancial interminglingen_US
dc.subject.stwSelbstständigeen_US
dc.subject.stwKMUen_US
dc.subject.stwFinanzierungen_US
dc.subject.stwVerbraucherkrediten_US
dc.subject.stwSchätzungen_US
dc.subject.stwDeutschlanden_US
dc.titleFunding self-employment: The role of consumer crediten_US
dc.typeWorking Paperen_US
dc.identifier.ppn689931336en_US
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen_US
Appears in Collections:IZA Discussion Papers, Forschungsinstitut zur Zukunft der Arbeit (IZA)

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