IU Docs Repositorium
IU Docs
Repositorium
Researchers from IU publish their research results in numerous formats. Through this repository, we aim to make as many publications as possible available via Open Access. Gain insights into the dynamic and diverse research being conducted at IU!
Recent Submissions
Messung der gefühlten Inflation in Deutschland
(IU Internationale Hochschule, 2022-11-12) Treu, Johannes; Hartwig, Johannes
This paper shows that there is a very large difference between the official measured inflation rate with its basket of 650 types of goods and perceived inflation in Germany. While the inflation rate in Germany was 10.0% in September 2022 and 10.4% in October, a nationwide survey revealed that respondents perceived inflation to be 34.15%. At the same time, the paper provides an explanatory approach to explain the perceived inflation using a regression model. It becomes clear that all independent variables are highly significant and provide an explanatory contribution. It also shows that higher inflation concerns lead to a higher estimate of perceived inflation.
Finanzielle Bildung in Deutschland: Eine explorative Analyse
(IU Internationale Hochschule, 2024-02-07) Treu, Johannes; Elss, Valerie
Financial literacy is playing an increasingly important role in today's complex world. Since the beginning of the new millennium, more countries and international organizations have recognized the importance of measuring and educating people about financial literacy, for example, to guide their market behavior. Using the OECD understanding of financial education and with the help of the OECD toolkit for this, the current state of financial literacy was recorded as part of a Germany-wide representative survey. Methodologically, the aim is to use exploratory data analysis to present an initial analysis and evaluation of the primary data collected. This is also linked to an investigation into whether differences can be found regarding financial literacy, whether correlations exist between the various variables, and which factors can explain financial literacy in Germany.
Finanzielle Allgemeinbildung, Finanzielle Inklusion, FinTech und SDG: Ein holistischer Rahmen
(IU Internationale Hochschule, 2023-04-05) Treu, Johannes
Financial literacy, financial inclusion, FinTech, and the UN Sustainable Development Goals (SDGs) have so far only been examined in pairs or individually. A consideration of all four points with their interrelationships and impacts has been lacking. With the help of a deductive argumentative approach, an attempt will be made to take a coherent look at all four aspects. The aim is to develop a holistic framework for achieving the SDGs through financial literacy, financial inclusion, and FinTech. The argumentation shows that there are multilayered theoretical as well as empirical relationships between all four objects of investigation. A previous silo thinking or a bilateral approach does not go far enough to comprehensively understand the effects. The starting point of a holistic view in this paper is financial literacy because, without it, no positive relationship between financial inclusion, FinTech, and the SDGs can be achieved. Financial literacy thus promotes the use and application of fintech, contributes to financial inclusion, and supports the achievement of the SDGs. The holistic framework can also be used to derive policy recommendations. Decision-makers should take a holistic view of all four points and start with the promotion and expansion of financial education.
Vom Management zum Unternehmertum: Wertschöpfung in komplexen Gesellschaften als zentrale Herausforderung für den regionalen Mittelstand
(IU Internationale Hochschule, 2024-11-01) Wagner, Martin
Peter Kruse (1955-2015), a cognitive scientist and complexity researcher, said in an interview: ‘We need to be more on the side of entrepreneurship and less on the side of management. It's not about getting from A to B in an orderly fashion and achieving goals, but about being part of the social dynamic.’ This points to the central problem of this discussion paper, which focuses on the plannability of value creation based on the division of labour in complex societies, both in its microeconomic and macroeconomic dimensions. This problem is particularly important in view of the main task of company and political decision-makers to avoid operational and economic emergencies. The increasing share of the service sector in overall economic growth, which has inflationary but also deflationary consequences and is increasingly jeopardising the existence of small and medium-sized companies in the manufacturing sector, is a sign of such an emergency. It is important to develop suitable ways of dealing with this.
Peter Kruse (1955-2015), ein Kognitionswissenschaftler und Komplexitätsforscher, sagte in einem Interview: „Wir müssen uns wieder mehr auf die Seite des Unternehmertums [stellen] und weniger auf die Seite des Managements. Es geht nicht darum, geordnet von A nach B zu kommen, Ziele zu erreichen, sondern es geht darum, Teil der gesellschaftlichen Dynamik zu sein.“ Damit deutet er auf das zentrale Problem dieses Discussion Papers, welches die Planbarkeit arbeitsteiliger Wertschöpfung in komplexen Gesellschaften fokussiert, sowohl in ihren mikroökonomischen als auch makroökonomischen Dimensionen. Gerade vor dem Hintergrund der Hauptaufgabe betrieblicher und politischer Entscheidungsträger, den betrieblichen und ökonomischen Ernstfall zu vermeiden, zeigt sich dieses Problem als relevant. Ein solcher Ernstfall deutet sich im zunehmenden Anteil des Dienstleistungssektors am gesamtwirtschaftlichen Wachstum an, der inflationäre aber auch gleichzeitig deflationäre Konsequenzen zeigt und zunehmend die Existenz kleiner und mittelständischer Unternehmen des Produktionssektors gefährdet. Hierfür gilt es, geeignete Umgangsformen zu entwickeln.
Markenpolitik in übersättigten Märkten: Zur soziotechnischen Logik der Markenentwicklung
(IU Internationale Hochschule, 2024-11-01) Krahnert, Fiedrich; Stangl, Luca; Wagner, Martin
Complexity and structurally oversaturated goods markets make it harder to plan social and operational development processes. Brand policy is particularly important in this context, as it has the task of providing all stakeholders with equal guidance. In this discussion paper, a proposal is developed, referred
to as the socio-technical logic of brand policy, which can be used to describe and discuss interactions between social value systems and product-related functional promises. Using two case studies, this logic is demonstrated, criticised and ultimately summarised in five theses.
Komplexität und strukturell übersättigte Gütermärkte sorgen für abnehmende Planbarkeit gesellschaftlicher und betrieblicher Entwicklungsprozesse. Hierbei kommt der Markenpolitik besondere Bedeutung zu, hat sie doch die Aufgabe, allen Stakeholdern gleichermaßen Orientierung zu bieten. Im
vorliegenden Discussion Paper wird ein Vorschlag erarbeitet, als soziotechnische Logik der Markenpolitik bezeichnet, mit dessen Hilfe Wechselwirkungen zwischen gesellschaftlichen Wertesystemen und produktbezogenen Funktionsversprechen beschrieben und diskutiert werden können. Anhand zweier Fallstudien wird diese Logik demonstriert, kritisiert und letztlich in fünf Thesen zusammengefasst.