Change search
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf
Discrimination in the credit market?: survey based evidence of access to financial capital among self-employed immigrants
Linnaeus University, School of Business and Economics, Department of Economics and Statistics. (Linnaeus University Centre for Labour Market and Discrimination Studies)
Linnaeus University, School of Business and Economics, Department of Economics and Statistics. (Linnaeus University Centre for Labour Market and Discrimination Studies)
2014 (English)Report (Other academic)
Abstract [en]

We present results from a survey regarding access to financial capital conducted among immigrants who are self-employed in private firms in Sweden's retail, trade or service sectors. The results show that non-European immigrants consider access to financial capital as a more serious impediment to their self-employment activities than do native Swedes and European immigrants. Self-employed non-European immigrants report more discrimination by banks, suppliers and customers than do natives and immigrants from European countries. Immigrant owned firms apply for bank loans to a larger extent than do firms owned by natives. Non-European immigrants are more likely than natives of having a loan denial and they are also charged higher interest rates on their bank loans than natives are. The occurrence of ethnic discrimination in the market for bank loans is put forward as an explanation for these results. Limited or no access to financial capital is an obstacle for self-employment among certain immigrant groups. This obstacle may be one explanation for the high exit rates from self-employment among immigrants that has been documented in several countries including Sweden.

Place, publisher, year, edition, pages
Linnaeus University Centre for Labour Market and Discrimination Studies , 2014. , p. 19
Series
Working paper series: Linnaeus University Centre for Labour Market and Discrimination Studies ; 2014:2
Keyword [en]
Self-employment, Immigrants, Financial capital, Bank loan, Discrimination
National Category
Economics
Research subject
Economy, Economics
Identifiers
URN: urn:nbn:se:lnu:diva-33085OAI: oai:DiVA.org:lnu-33085DiVA, id: diva2:706431
Available from: 2014-03-20 Created: 2014-03-20 Last updated: 2018-02-01Bibliographically approved

Open Access in DiVA

fulltext(1109 kB)330 downloads
File information
File name FULLTEXT01.pdfFile size 1109 kBChecksum SHA-512
ccb6ff0e8914c71dcc25c46aa244b6036838aab8c3743ef5f3ff9e89a011134c1821986fc329bdfb973a282b1faece0cd64f59886fb7b196b3d046225f4af21c
Type fulltextMimetype application/pdf

Search in DiVA

By author/editor
Aldén, LinaHammarstedt, Mats
By organisation
Department of Economics and Statistics
Economics

Search outside of DiVA

GoogleGoogle Scholar
Total: 330 downloads
The number of downloads is the sum of all downloads of full texts. It may include eg previous versions that are now no longer available

urn-nbn

Altmetric score

urn-nbn
Total: 180 hits
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf