While in less developed and in transition economies microlending has become an efficient instrument for providing small and micro businesses with the necessary financial means, in industrialized countries, with highly developed banking systems, the existence and size of an uncovered demand for...

In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate...

In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate...

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...

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...

Um der Frage nachgehen zu können, ob Generationengerechtigkeit grundsätzlich Aufgabe von Unternehmen sein kann, muss zunächst beantwortet werden, ob Unternehmen als kollektive Akteure moralische Verantwortung tragen können. Dazu wird ein Ansatz vorgestellt, der die Selbstbindungsfähigkeit...

We investigate if pluralistic consumption styles (like frugality, or indulgence in luxuryʺ) can be identified and are correlated with different terminal values and if values and consumption styles prove to be stable or can be changed by drastic events. The results of two polls (before and after...

Durch Smartphones und mobile Applikationen integrieren Konsumenten zunehmend Informationssysteme in ihren Alltag. Der Beitrag deckt relevante Werthaltungen auf, die sich hinter den Motiven als Treiber von Smartphone-Nutzungsaktivitäten verbergen. Tiefeninterviews mit Konsumenten wurden auf der...