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Financing future job creators

PublikationRapporter
Financing of Innovations, Företagandets villkor, Gaseller, Jobbskapare, Karl Wennberg, Michel Elmoznino Laufer, Tillväxt, Tillväxtfinansiering
Financing future job creators
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Sammanfattning

Research has shown that young businesses with growth ambitions are important for job creation and innovation. A major obstacle to economic growth is the lack of financing for young firms.The Ratio Institute and the Swedish Federation of Business Owners have conducted a study to outline the financial sources of young and small businesses in Sweden and to investigate the challenges for financing the firms.

We use a sample of 380 limited liability firms in Sweden that are members of the Swedish Federation of Business Owners. The majority of the firms were founded 2010-2013. For our sample, the results show that the majority of the firms (87 %) use personal savings to finance their firms, while 28 % use bank loans which is the second most common type of finance. However, many of the firms that were approved bank loans report that they had to use personal assets as collateral and personal guarantees to back up their loans. Also, many entrepreneurs took a temporary employment elsewhere and didn’t take out any salary at some time.

Our results suggest that economic policies should focus on measures that improve personal wealth accumulation. The results give further support to the findings of recent studies that have been conducted in Sweden that personal wealth accumulation is important and that it is difficult to obtain bank loans for young businesses.

Wennberg, K. & Elmoznino Laufer, M. (2014). Financing future job creators. Rapport oktober 2014. Stockholm: Ratio and Företagarna.

Baserat på innehåll

Financing future job creators
ReportsPublikation
Wennberg, K. & Elmoznino Laufer, M.
Publiceringsår

2014

Sammanfattning

Research has shown that young businesses with growth ambitions are important for job creation and innovation. A major obstacle to economic growth is the lack of financing for young firms.The Ratio Institute and the Swedish Federation of Business Owners have conducted a study to outline the financial sources of young and small businesses in Sweden and to investigate the challenges for financing the firms.

We use a sample of 380 limited liability firms in Sweden that are members of the Swedish Federation of Business Owners. The majority of the firms were founded 2010-2013. For our sample, the results show that the majority of the firms (87 %) use personal savings to finance their firms, while 28 % use bank loans which is the second most common type of finance. However, many of the firms that were approved bank loans report that they had to use personal assets as collateral and personal guarantees to back up their loans. Also, many entrepreneurs took a temporary employment elsewhere and didn’t take out any salary at some time.

Our results suggest that economic policies should focus on measures that improve personal wealth accumulation. The results give further support to the findings of recent studies that have been conducted in Sweden that personal wealth accumulation is important and that it is difficult to obtain bank loans for young businesses.

Samhällsfarliga konflikter i en ny tid – utmaningar och reformbehov
RapporterPublikation
Karlson, N.
Publiceringsår

2020

Publicerat i

Arbetsmarknadsprogrammet

Sammanfattning

Sammanfattning:
I rapporten undersöks om de svenska regelverken för hantering av samhällsfarliga arbetsmarknadskonflikter behöver uppdateras eller reformeras. Är de ändamålsenliga i en värld där viktiga samhällsfunktioner upprätthålls av ett stort antal ömsesidigt beroende aktörer i komplexa system där varje enskild nod blir kritisk för systemets funktionalitet, och där samhällsviktig verksamhet lika gärna är privat som offentlig? En jämförelse görs med motsvarande regleringsmetoderna och deras förändring i Storbritannien, Tyskland och Danmark.

The Proportionality Principle in German and European Rules of Industrial Conflict
RapporterPublikation
Waas, B.
Publiceringsår

2019

Publicerat i

Arbetsmarknadsprogrammet

Sammanfattning

This report deals with the significance of the principle of proportionality in the strike law of Germany and the EU. As far as German law is concerned, the legal basis and content of the principle of proportionality will first be outlined, and then the importance of the principle for labour law in general. The main issue, however, is the role played by the principle of proportionality in industrial action law. There the Federal Labour Court has meanwhile raised the principle to the central yardstick for the assessment of industrial action measures. The relevant decisions will be presented, but also the considerable criticism of these will not be concealed. Subsequently, EU law will come to the fore, whereby the legal basis, the content and the scope of application of the principle of proportionality will be dealt first. On that basis, the application of the principle in industrial action law will be examined. In that context, the focus will be in the decisions of the European Court of Justice in the cases Laval and Viking. The following section is then devoted to the comparison of German and European law. The author here demonstrates that there are considerable differences in the application of the principle of proportionality.

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