TY  - JOUR
A1  - Kneiding, Christoph
A1  - Kritikos, Alexander
T1  - Funding self-employment - the role of consumer credit
JF  - Applied economics
N2  - 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.
KW  - small business finance
KW  - consumer credit
KW  - financial intermingling
KW  - household business interface
Y1  - 2013
U6  - https://doi.org/10.1080/00036846.2011.637895
SN  - 0003-6846
VL  - 45
IS  - 13
SP  - 1741
EP  - 1749
PB  - Routledge, Taylor & Francis Group
CY  - Abingdon
ER  - 
TY  - GEN
A1  - Herrmann, Benedikt
A1  - Kritikos, Alexander
T1  - Growing out of the crisis
BT  - hidden assets to Greece's transition to an innovation economy
T2  - Postprints der Universität Potsdam : Mathematisch-Naturwissenschaftliche Reihe
N2  - Greece’s currently planned institutional reforms will help to get the country going with limited economic growth. With an economy based primarily on tourism, trade, and agriculture, Greece lacks an established competitive industry and an innovation-friendly environment, resulting in a low export ratio given the small size of the country and its long-time EU-membership. Instead, Greece exports only its nation's talent, with low returns. To become prosperous, the country must better capitalize on its Eurozone membership and add innovative sectors to its economic structure. Given Greece's hidden assets, such as the attractiveness of the country, a small number of strong research centers and an impressive diaspora in research, finance and business, we envision a Greek “Silicon Valley” and propose a ten point policy plan to achieve that goal.
T3  - Zweitveröffentlichungen der Universität Potsdam : Mathematisch-Naturwissenschaftliche Reihe - 896 
KW  - innovation
KW  - Greece
KW  - growth strategy
KW  - entrepreneurship
KW  - innovation systems
KW  - regulatory environment
Y1  - 2020
U6  - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:kobv:517-opus4-434805
SN  - 1866-8372
IS  - 896
ER  -