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Forschungsinstitut zur Zukunft der Arbeit (IZA), Bonn >
IZA Discussion Papers, Forschungsinstitut zur Zukunft der Arbeit (IZA) >
Please use this identifier to cite or link to this item:
http://hdl.handle.net/10419/58527
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Full metadata record
| DC Field | | Value | | Language |
| dc.contributor.author | | Kneiding, Christoph | | en_US |
| dc.contributor.author | | Kritikos, Alexander S. | | en_US |
| dc.date.accessioned | | 2012-04-10 | | en_US |
| dc.date.accessioned | | 2012-06-15T07:39:12Z | | - |
| dc.date.available | | 2012-06-15T07:39:12Z | | - |
| dc.date.issued | | 2011 | | en_US |
| dc.identifier.pi | | urn:nbn:de:101:1-201111213204 | | - |
| dc.identifier.uri | | http://hdl.handle.net/10419/58527 | | - |
| dc.description.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. | | en_US |
| dc.language.iso | | eng | | en_US |
| dc.publisher | | IZA Bonn | | en_US |
| dc.relation.ispartofseries | | Discussion Paper series, Forschungsinstitut zur Zukunft der Arbeit 6093 | | en_US |
| dc.subject.jel | | G32 | | en_US |
| dc.subject.jel | | D12 | | en_US |
| dc.subject.jel | | D14 | | en_US |
| dc.subject.ddc | | 330 | | en_US |
| dc.subject.keyword | | small business finance | | en_US |
| dc.subject.keyword | | consumer credit | | en_US |
| dc.subject.keyword | | financial intermingling | | en_US |
| dc.subject.stw | | Selbstständige | | en_US |
| dc.subject.stw | | KMU | | en_US |
| dc.subject.stw | | Finanzierung | | en_US |
| dc.subject.stw | | Verbraucherkredit | | en_US |
| dc.subject.stw | | Schätzung | | en_US |
| dc.subject.stw | | Deutschland | | en_US |
| dc.title | | Funding self-employment: The role of consumer credit | | en_US |
| dc.type | | Working Paper | | en_US |
| dc.identifier.ppn | | 689931336 | | en_US |
| dc.rights | | http://www.econstor.eu/dspace/Nutzungsbedingungen | | en_US |
| Appears in Collections: | | IZA Discussion Papers, Forschungsinstitut zur Zukunft der Arbeit (IZA)
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