Funding Self-Employment - The Role of Consumer Credit

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Tác giả: Christoph Kneiding

Ngôn ngữ: eng

Ký hiệu phân loại: 332.74 Other forms of credit

Thông tin xuất bản: Taylor and Francis, 2013

Mô tả vật lý:

Bộ sưu tập: Tài liệu truy cập mở

ID: 303171

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.
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