@TechReport{iza:izadps:dp6093,
            	author={Kneiding, Christoph and Kritikos, Alexander S.},
            	title={Funding Self-Employment: The Role of Consumer Credit},
            	year={2011},
	month={Oct},
            	institution={Institute of Labor Economics (IZA)},
            	address={Bonn},
            	type={IZA Discussion Paper},
            	number={6093},
            	url={https://www.iza.org/publications/dp6093},
	abstract={This paper investigates whether self-employed households use consumer loans – in particular instalment loans and overdrafts – to finance business activities. Controlling for financial and non-financial household variables we show that self-employed households particularly use personal overdrafts significantly more often than employee households. When analyzing 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.},
	keywords={small business finance;financial intermingling;consumer credit},
            }