@article {Kneiding:2013:0003-6846:1741,
	author = "Kneiding, Christoph and Kritikos, Alexander S.",
	title = "Funding self-employment the role of consumer credit",
	journal = "Applied Economics",
	volume = "45",
	number = "13",
	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.",
	pages = "1741-1749",
	url = "http://www.ingentaconnect.com/content/routledg/raef/2013/00000045/00000013/art00011",
	doi = "doi:10.1080/00036846.2011.637895",
	keyword = "small business finance, consumer credit, financial intermingling, household business interface, G32, D12, D14"
}