This report studies start-ups and entrepreneurship particularly in services. The report is largely based on a survey … entrepreneurship in services has grown the fastest and employs the most. Service and female entrepreneurship seem to be on the increase … the aching unemployment problem in Finland. Public finance and other services seem to reach starting entrepreneurs poorly …

In this paper we study the relation between firm-level disclosure quality and the availability of external finance to … external finance. We then show that the excess growth is associated with the quality of disclosure, and that at least a part of … disclosure are more likely to be the ones that grow at a rate that requires external finance and (b) that the excess growth and …