It is natural to assume that the characteristics of the bank sector are important factors for new firm formation when external capital is needed for establishing new firms. The local bank sector acts as the main provider of financial funds in Sweden since other sources of external capital are...

Returns to education are mainly influenced by the characteristics of the individual. However, returns are also likely to depend on location characteristics. Thus, there are different location premiums for educational attainment. This paper analyse the regional variation of returns to education...

The returns to education have been thoroughly investigated and Sweden has shown to have a relatively low return compared to other countries in Europe. Nevertheless, few studies have combined the regional perspective with returns to education. Hence, the purpose of the paper is to analyze...