Florian Lucke is the "student pilot." So they call him at Swiss club Studienaktie.org. Because the 30-year-old aspiring business manager tests whether the idea of St. Gallen association also operates in Germany: its future potential to sell. Lucke careers of tomorrow should be studying finance today, at least in part, he shares his later - estimated - content sold to private investors.
Germans Studienaktie.org helps in the process of finding donors. Four are already there, 8500 euro, they have been lent to him - in the hope that the investment in the students of the Zeppelin University in Friedrichshafen is worth it.
The whole thing goes like this: The parties signed a loan agreement. It stipulates the date on which the repayments become due. If Lucke career developed according to plan, the investors receive once a percentage share of annual salary, which at the time he deserves. Contractually is also determined that investors at least their initial investment should get back. The brilliant career Lucke, the higher the profit.
"Many investors are idealists"
"Therefore, the donor effort him with good contacts Council and to support," says Lars Stein, 29, of Studienaktie.org two years ago founded. "The benefits of our system goes far beyond mere financing beyond," said the business administration graduate student. He sits in a cafe in Winterthur, in jeans and light blue checkered shirt. A briefcase with documents lies next to him. He comes directly from a customer meeting at Lake Constance, stone works alongside his doctoral thesis at the University of St. Gallen as a freelance business consultant.
Itself as a value attached to verticken, it is a reinterpretation of the concept of human capital. And the investors want to be a human bemächtigen how else a company in order to maximize their profits? That there are only about profit going to resist the study equities people decided. "It is important in the case but the Social Entrepreneurship," says Florian Lucke.
Should read: Investors should not primarily interested in their profit, but because needy students to support it. "Many investors are idealists who are mainly about the education ideas," he says.
Lucke, as Lars dressed in stone like the classic combo jeans with chic shirt, plus a short haircut, especially in South Africa builds a kind of financial institution to assist small businesses in order to work on his bachelor to write. In side, he has meanwhile begun to stone when Studienaktie.org on hand to go. "It does not question the fact that only career subjects such as business or engineering support," he says.
One's own life as a business
Currently three study finance equity members complete their studies or their training on the system Steinsche: Lucke, a Swiss sociology student who researches in the Congo, and a Swiss citizen, of an education in kinesiology, so an alternative medical therapy does. 45 students are standing for the concept. "Many, however, increase during the application process again," says Stein. "Either because they opt for another form of financing decisions, or because of them end too complicated."
UNIblogs 5/2008TITELBleibt yet! Better handling of foreign StudentenInhaltDie candidate must have a short bilateral online application form. The study then decide Equity Board, whether the aspirant and his project for the club fit and whether the training concept is conclusive. In a second round, the candidate must send his CV - and a life plan.
Beginning with twenty one's own life as a business? "This is the hardest part," there stone. Because the students should specify in detail how they imagine their careers. One question reads: "Imagine you're sitting in a rocking chair and look at a fulfilling life. What have you achieved?" Then the students must prepare a dossier for the investors write. Find this like it, arranges study shares meeting. 15 donors, the club currently on board.
"Investment in terms of risk diversification"
The procedure was an "affront", was already a candidate for the rocking chair part and promptly rose again. "Awesome" Lucke Florian, however, finds the whole concept. His studies at the private Zeppelin University is 4000 euro per semester so expensive that a KfW loan for the financing alone is not enough. "With the help of investors, can I use a portion of the fees cover," says Lucke, which now is in the fourth semester.
Miser-DIPLOMDDPEntdecke the Swabians in you! Zahncremetube slice, for ten cents on the railroad tracks jump and tip only at Christmas? When saving makes you what nobody before? Show what you can and survive in savings of blogs online quiz. more ... Previously, he was in Berlin for Cabinetmakers train and two years in this profession worked. Now support him two academic teachers and an asset manager managing the investment "in the sense of risk diversification of its investment clients has chosen" as Lucke puts it. Investor is the fourth study equities founder Stone, also of his training on the issue of private equity has financed - as seen, he is the great-student pilot.
Stone is already in the process to settle his debts. To 15 investors he must pay a total of 30,000 francs. "Without the money would be studying in Switzerland at the high cost of living does not have been possible," he says.
Most interested in the study equities idea come from Germany. Therefore needs stone Florian Lucke as testers. "Before our financing option on a broad basis in Germany can offer, we must look at how and whether we really implement our system," says Stein. 2009, they want a German offshoot of Studienaktie.org found.
Shares may not be any
The problem has been the German banking supervision Bafin with its very strict rules, shares, loan write contracts, which may not be any. It's fast illegally. The same applies to Switzerland, but Stone has found a way to solve the problem: He founded Studienaktie.org as a nonprofit organization. "So we are informed of the license exempt," he says. "We are still in Germany experience. But it looks as if we could model the Swiss also implement," says Stein. "As long as when Florian Lucke not too many investors involved."
Studienaktie.org he called "an organic project" and says: "We are constantly trying to provide us further." So far the club has twelve active members and 30 supporting members.
Stein is a totally new idea of self-promotion does not already collected 18 years ago the father of professional tennis Thomas Haas in a similar way money for the athletes training his children. 15 investors paid in the nineties around 750,000 for Mark Thomas and his sister. By the end of 2004, as they return 15 percent of all revenues promised.
But when Thomas Haas then ascended the best in the world - with corresponding earnings - remained the payments to the money from donors. Only when the funding community complained, paid professional tennis due to half a million marks.
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