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http://hdl.handle.net/10419/61394
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| Title: | | Funding self-employment: The role of consumer credit  |
| Authors: | | Kneiding, Christoph Kritikos, Alexander S. |
| Issue Date: | | 2011 |
| Series/Report no.: | | Discussion Papers, German Institute for Economic Research, DIW Berlin 1179 |
| 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 takeups 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. |
| Subjects: | | Small Business Finance Consumer Credit Financial Intermingling |
| JEL: | | G32 D12 D14 |
| Document Type: | | Working Paper |
| Appears in Collections: | | Publikationen von Forscherinnen und Forschern des DIW DIW-Diskussionspapiere
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