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der Uni Flens- burg persön- liche Gründe bessere Berufs- chancen 0 1 2 3 4 M itt el w er t 0 = gar nicht entscheidend, 4 = sehr entscheidend Auch in der HIS-Studie sind unter den wichtigsten Motiven [...] Kommuni- kation Summer- school im Ausland, bzw. in Flensburg 0 1 2 3 4 M itt el w er t 0 = muss gar nicht enthalten sein, 4 = muss auf jeden Fall enthalten sein 82% sind der Meinung, es muss auf [...] Ausland virtueller campus Kurse in interkulturelle Kom. summerschool 0 1 2 3 4 M it

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- - - Eigene Erhe- bung 2 1 SozA, Erz, Ing VStuD - x / x x x - 2 0 WiWi, MB * x = Ja, - = Nein, / = trifft nicht zu, (x) = trifft teilweise zu, ? = nicht angegeben ** MB = Maschinenbau, WiWi = [...] Erfolgsquoten deutscher Hochschulen. Statistik und Wissenschaft, 11, 84-104. Bound, J., Lovenheim, M. F., & Turner, S. (2010). Why have college completion rates declined? An analysis of changing student

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(0.034) Divorced -0.05 -0.13** -0.05 (0.038) (0.057) (0.053) Separated -0.44*** -0.72*** -0.24*** (0.070) (0.104) (0.091) Widowed 0.23* [...] 0.14** (0.032) (0.039) (0.059) Apprentice 0.10* 0.18** 0.08 (0.050) (0.070) (0.071) Unemployed -0.80*** -0.80*** -0.72*** (0.040) (0.056 [...] 0.037) (0.040) Education: Medium 0.06*** 0.08** 0.03 24 (0.021) (0.029) (0.031) Age 21-30 -0.20*** -0.34*** -0.14* (0.053) (0.074) (

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Republic 9977 3.10 0.91 Ecuador 11969 2.76 0.83 El Salvador 9971 2.90 0.89 Guatemala 9885 3.11 0.82 Honduras 9951 3.04 0.96 Mexico 11956 3.08 0.84 Nicaragua 9932 3.00 0.90 Panama 9965 3.27 0.78 Paraguay 11351 2.94 0.80 Peru 11909 2.63 0.84 Uruguay 11931 2.92 0.75 Venezuela 11953 3.25 0.83 Latinobarometer [...] ) (0.008) Unemployed -0.19*** -0.19*** (0.014) (0.014) Retired -0.02 -0.02 (0.015) (0.015) Not in labour market -0.06*** -0.06*** (0.010)

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0,36** -0,51** -0,37** 0,77** 0,60** happy -0,36** 0,40** 0,39** -0,31** -0,25* totally happy -0,39** 0,69** 0,63** -0,25 -0,15 long [...] -0,05 0,28** 0,23** highest income quartile -0,31** 0,12* 0,09 -0,41** -0,34** gender: men -0,13** 0,18** 0,09* -0,27** -0,12 age (in years) -0,005** 0,01** 0,01** -0,02** -0,02** month of questioning (February) January 0,18** 0,13* -0,26** -0,24* March -0,15** -0,14* 0,15 0,07

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0.8083 0.8029 ŝd 0.0151 0.0141 0.0296 0.0266 0.0200 0.0196 0.0300 0.0278 sd 0.0154 0.0140 0.0293 0.0258 0.0206 0.0201 0.0312 0.0277 [...] log(Income) job security Variable θ̂ ŝd p θ̂ ŝd p Constant 7.84 0.08 0.00 Threshold 1 −1.58 0.23 0.00 Threshold 2 −0.19 0.23 0.41 Agea 1.15 0.16 0.00 −0.58 0.47 0.21 Tenurea 0.64 0.30 0.03 −3.27 1.06 0.00 Tenure Squareda −0.02 0.01 0.03 0.08 0.03 0.01 Childrenb 0.23 0.11 0.04 −0.47 0.29 0.11 Marriedb −0.03 0.29 0.91 −0.14 0.77 0.85

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Produktentwicklung in den letzten 3 Jahren 66,7% 70,2% 33,3% 29,8% 0,0% 10,0% 20,0% 30,0% 40,0% 50,0% 60,0% 70,0% 80,0% Grenzregion Übriges Gebiet Ja Nein Quelle: Innovationsanalyse D - DK 2003 Betrachten [...] 0 10 0,0% 6,9% Mehr als 500 Mitarbeiter 0 5 0,0% 3,4% Total 5 145 100% * 100% ** Quelle: Innovationsanalyse D - DK 2003 * Entspricht [...] 66,7% 37,5% 1 < 2 Millionen € 1 24 33,3% 21,4% 2 < 7 Millionen € 0 25 0,0% 22,3% 7 < 10 Millionen € 0 6 0,0% 5,4% > 10 Millionen € 0 15 0,0% 13,4% Total 3 112 100% * 100% ** Quelle: Innovationsanalyse

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DF-Teststatistik -3,6476 -3,0841 -4,1173 -3,8314 Lag 3 3 3 3 p-Wert 0,039 0,146 0,011 0,024 Für die These zur Konstanz von Erwartungswert und Varianz sowie Unabhän- gigkeit der historischen Marktrisikoprämie [...] F-Statistik p-Wert F-Statistik p-Wert 1953 231,8 5,446 5,292 0,026 6,367 0,014 1954 429,0 6,061 0,555 0,460 0,900 0,347 1960 1997,9 7,600 6,519 0,014 5,421 0,024 1961 1841,7 7,518 5,244 0,027 3,900 0,054 1969 2703,7 7,902 4,380 0,044 1,806 0,186 1981 3832,6 8,251 2,502 0,129 4,339 0,046 1982 4586,1 8,431 2,674 0,118 4,545 0,042 Es

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are more financially literate than poor students. The equation Y = 0,17x + 0,495 in Figure 1 shows that for every additional euro income financial literacy increases by 0.17 percent. The blue fitted line [...] women. In the analysis regarding male students, the equation Y = 0.075x + 0.6025 in Figure 2 shows that for every additional euro income financial literacy increases by 0.075 percent. The model explains [...] female students, the equation Y = 0.18x + 0.466 in Figure 3 shows that for every additional euro income financial literacy increases by 0.18 percent. The model 6 Erichsen

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Verausgabungsbereitschaft 16.84 3.79 0.72 17.53 4.77 0.84 17.84 4.73 0.84 17.03 4.80 0.85 Perfektionsstreben 21.72 3.90 0.81 22.22 4.54 0.87 22.20 4.65 0.88 21.30 [...] 3.61 0.85 Innere Ruhe und Ausgeglichenheit 20.77 3.98 0.79 20.46 4.40 0.84 19.87 4.33 0.82 20.86 3.70 0.77 Erfolgserleben im Beruf 22.26 4.42 0.86 22.92 4.18 0.84 23.45 3.98 0.84 24.36 3.70 0.81 Lebenszufriedenheit 23.11 3.92 0.83 23.26 4.24 0.86 23.05 4.08 0.84 23.92 3.82 0.83

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