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Erscheinungsjahr: 
2011
Schriftenreihe/Nr.: 
IZA Discussion Papers No. 6093
Verlag: 
Institute for the Study of Labor (IZA), Bonn
Zusammenfassung: 
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.
Schlagwörter: 
small business finance
consumer credit
financial intermingling
JEL: 
G32
D12
D14
Persistent Identifier der Erstveröffentlichung: 
Dokumentart: 
Working Paper

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