Funding Self-Employment – The Role of Consumer Credit

Publication:
Funding Self-Employment – The Role of Consumer Credit

dc.contributor.author	Kneiding, Christoph
dc.contributor.author	Kritikos, Alexander S.
dc.date.accessioned	2013-05-09T15:59:21Z
dc.date.available	2013-05-09T15:59:21Z
dc.date.issued	2012-02-15
dc.description.abstract	This article investigates whether self-employed households use consumer loans – in particular, instalment loans and overdrafts – to finance business activities. Controlling for financial and nonfinancial household variables, we show that self-employed households particularly use personal overdrafts significantly more often than employee households. When analysing 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
dc.identifier.citation	Applied Economics
dc.identifier.doi	10.1596/13344
dc.identifier.issn	0003-6846
dc.identifier.uri	https://hdl.handle.net/10986/13344
dc.language.iso	en_US
dc.publisher	Taylor and Francis
dc.relation.ispartofseries	Applied Economics;45(13)
dc.relation.uri	http://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rights	CC BY-NC-ND 3.0 IGO
dc.rights.holder	World Bank
dc.rights.uri	http://creativecommons.org/licenses/by-nc-nd/3.0/igo/
dc.subject	small business finance
dc.subject	consumer credit
dc.subject	financial intermingling
dc.subject	household business interface
dc.title	Funding Self-Employment – The Role of Consumer Credit	en
dc.type	Journal Article	en
dc.type	Article de journal	fr
dc.type	Artículo de revista	es
dspace.entity.type	Publication
okr.date.disclosure	2012-08-21
okr.date.doiregistration	2025-05-06T11:02:24.215693Z
okr.doctype	Journal Article
okr.externalcontent	External Content
okr.globalpractice	Finance and Markets
okr.journal.nbpages	1741-1749
okr.language.supported	en
okr.peerreview	Academic Peer Review
okr.relation.associatedurl	http://www.tandfonline.com/doi/abs/10.1080/00036846.2011.637895
okr.theme	Financial and private sector development :: Small and medium enterprise support
okr.topic	Finance and Financial Sector Development::Microfinance
okr.volume	45(13)