@article{KneidingKritikos2013,
  author    = {Kneiding, Christoph and Kritikos, Alexander},
  title     = {Funding self-employment - the role of consumer credit},
  series = {Applied economics},
  volume    = {45},
  journal   = {Applied economics},
  number    = {13},
  publisher = {Routledge, Taylor \& Francis Group},
  address   = {Abingdon},
  issn      = {0003-6846},
  doi       = {10.1080/00036846.2011.637895},
  pages     = {1741 -- 1749},
  year      = {2013},
  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.},
  language  = {en}
}