TY - JOUR A1 - Just, Tobias A1 - Heinrich, Michael A1 - Maurin, Mark Andreas A1 - Schreck, Thomas T1 - Foreclosure discounts for German housing markets JF - International Journal of Housing Markets and Analysis N2 - Purpose This paper aims to investigate the foreclosure discount for the German residential market in the years from 2008 to 2011. Design/methodology/approach The determinants of the foreclosure discount are estimated in a hedonic price model. The analysis is based on a unique data set compiled from three different data sources with 135,000 foreclosed properties. Findings The findings reveal that residential units in foreclosures are sold at a discount of 19 per cent compared to residential units with similar characteristics that are not in foreclosure. Second, a regional pattern can be observed, with discounts being negatively correlated to unemployment risk and liquidity. Third, the model with interaction terms shows that foreclosure discounts are linked to specific property characteristics. Fourth, these object-related risks are typically smaller than regional risks or locational risks. Research limitations/implications Given the highly fragmented system of Gutachterausschusse in Germany, who are responsible for collecting transaction data, we were not able to directly analyze transaction data, but only a proxy for this price information. Practical implications The results can be important for financial institutions that are trying to assess the risk of lending for a specific object in a specific location. So far, banks primarily try to assess the default risk of private lenders by analyzing the debtor's financial position and the quality of the property. The analysis provides insights into which characteristics of a property might imply additional risk, and in which region these risks are biggest. Originality/value To the best of the authors' knowledge, this is the first attempt to analyze the foreclosure discount for the German housing market. KW - Characteristics of a property KW - COST KW - Distressed assets KW - Foreclosure discount KW - German regions KW - Hedonic house price model KW - Liquidity KW - PRICE KW - SALES KW - TRANSACTIONS Y1 - 2019 U6 - https://doi.org/10.1108/IJHMA-12-2018-0106 VL - 13 IS - 2 SP - 143 EP - 163 PB - Emerald ER - TY - GEN A1 - Ketterl, Hermann A1 - Heinrich, Tobias T1 - Vivid tool for comprehensive biological soil analysis T2 - LANDSUPPORT Final Conference and the Save Our Soils Workshop, 27 -28 APRIL 2022, Portici, Italy N2 - The sample preparation for shadowing microscopy, to examinate biological soil properties, is time consuming, manual work. The outcome depends on subjective skills of the operator, furthermore the results are mostly not quantitative. The database on biological soil properties is mostly not sufficient for an integrated modelling on an multidisciplinary scale. This project combines three progressive approaches to develop a tool that is easy to use and gives in situ results that can be used for many purposes. Y1 - 2022 U6 - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:bvb:898-opus4-50078 UR - https://www.landsupport.eu/wp-content/uploads/2022/04/210422-abstract-poster-v2.pdf ER - TY - GEN A1 - Heinrich, Tobias A1 - Ketterl, Hermann T1 - AI to quantify biological diversity T2 - LANDSUPPORT Final Conference and the Save Our Soils Workshop, 27 -28 APRIL 2022, Portici, Italy N2 - The primary consumers of plant exudates – in exact fungi and bacteria, are representative for the soil succession level from bare soil, which is bacterial dominant to old growth forest constitute by fungal dominance. In a specified level of soil succession, a special kind of plant family benefits on the Fungal to Bacteria Ratio. The ability to determine this ratio in situ without complex chemical applications is part of the project Electronical Laboratory for Intelligent Soil Examination (ELISE). Several mechanical and optical tests on soil samples are covered within this Project. To analyze the fungal to bacteria ratio, samples are prepared automatically – in a defined and reproductive procedure – to generate slides for shadowing microscopy. The samples are observed by a camera, which is attached to a transmitted light microscope. The automatic analysis, done with computer vision algorithms, aims to quantify bacterial and fungal biomass in the actual sample view. Moreover, the algorithm can classify organisms according to their color and shape. To get a processable picture, several images from different focal levels must be taken through the sample thickness. Parts of each image, are in focus at the actual layer, are merged to a whole depth of field picture, by focus stacking. This produced picture is used to classify, locate and quantify – in first step filamentous organisms e.g. fungal by image sematic segmentation. The result represents an image sized mask, which indicates the class of fungi with class equivalate values at the pixel positions – covered by the organism. This information is used to calculate the fungal mass per gram soil. To quantify the bacterial biomass two approaches are implemented. For low density of bacterial existence, the individual bacteria is counted for a part of the field of view by an image detection algorithm to be extrapolate afterwards to the mass per gram soil. For high density of bacterial occurrence, specified regions of interest with only bacteria present are chosen. An image classification which has been pretrained by pictures of bacterial density patterns – previously determent by making the sample countable due to preforming sample dilutions, is done. The second option for high density bacterial count is, to automatically preform dilutions until the image detection is confidently countable. To ensure a usable confidence score a statistical approach of many fields of view is taken. Y1 - 2022 U6 - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:bvb:898-opus4-50080 UR - https://www.landsupport.eu/wp-content/uploads/2022/04/210422-abstract-poster-v2.pdf ER - TY - CHAP A1 - Ketterl, Hermann A1 - Hoelscher, Clemens A1 - Gotzler, Julian A1 - Grill, Oliver A1 - Heinrich, Tobias A1 - Mayer, Anton A1 - Reiter, Fabian A1 - Mühlbauer, Simon A1 - Weinzierl, Stefan ED - Jäkel, Jens ED - Thiel, Robert T1 - Autonomer Hackroboter T2 - Tagungsband AALE 2020: Automatisierung und Mensch-Technik-Interaktion, 17. Fachkonferenz, 4. bis 6. März 2020, Leipzig Y1 - 2020 SN - 978-3-8007-5180-8 VL - 2020 PB - VDE-Verlag ER - TY - CHAP A1 - Ketterl, Hermann A1 - Heinrich, Tobias A1 - Reitmeier, Torsten A1 - Hoelscher, Clemens ED - Jäkel, Jens ED - Thiel, Robert T1 - Emissionsabhängige Leistungsregelung für BHKW’s T2 - Tagungsband AALE 2020: Automatisierung und Mensch-Technik-Interaktion, 17. Fachkonferenz, 4. bis 6. März 2020, Leipzig Y1 - 2020 SN - 978-3-8007-5180-8 VL - 2020 PB - VDE-Verlag ER - TY - JOUR A1 - Broser, Christian A1 - Falter, Thomas A1 - Ławrowski, Robert Damian A1 - Altenbuchner, Amelie A1 - Vögele, Daniel A1 - Koss, Claus A1 - Schlampp, Matthias A1 - Dunnweber, Jan A1 - Steffens, Oliver A1 - Heckner, Markus A1 - Jaritz, Sabine A1 - Schiegl, Thomas A1 - Corsten, Sabine A1 - Lauer, Norina A1 - Guertler, Katherine A1 - Koenig, Eric A1 - Haug, Sonja A1 - Huber, Dominik A1 - Birkenmaier, Clemens A1 - Krenkel, Lars A1 - Wagner, Thomas A1 - Justus, Xenia A1 - Saßmannshausen, Sean Patrick A1 - Kleine, Nadine A1 - Weber, Karsten A1 - Braun, Carina N. A1 - Giacoppo, Giuliano A1 - Heinrich, Michael A1 - Just, Tobias A1 - Schreck, Thomas A1 - Schnabl, Andreas A1 - Gilmore, Amador Téran A1 - Roeslin, Samuel A1 - Schmid, Sandra A1 - Wellnitz, Felix A1 - Malz, Sebastian A1 - Maurial, Andreas A1 - Hauser, Florian A1 - Mottok, Jürgen A1 - Klettke, Meike A1 - Scherzinger, Stefanie A1 - Störl, Uta A1 - Heckner, Markus A1 - Bazo, Alexander A1 - Wolff, Christian A1 - Kopper, Andreas A1 - Westner, Markus A1 - Pongratz, Christian A1 - Ehrlich, Ingo A1 - Briem, Ulrich A1 - Hederer, Sebastian A1 - Wagner, Marcus A1 - Schillinger, Moritz A1 - Görlach, Julien A1 - Hierl, Stefan A1 - Siegl, Marco A1 - Langer, Christoph A1 - Hausladen, Matthias A1 - Schreiner, Rupert A1 - Haslbeck, Matthias A1 - Kreuzer, Reinhard A1 - Brückl, Oliver A1 - Dawoud, Belal A1 - Rabl, Hans-Peter A1 - Gamisch, Bernd A1 - Schmidt, Ottfried A1 - Heberl, Michael A1 - Gänsbauer, Bianca A1 - Bick, Werner A1 - Ellermeier, Andreas A1 - Monkman, Gareth J. A1 - Prem, Nina A1 - Sindersberger, Dirk A1 - Tschurtschenthaler, Karl A1 - Aurbach, Maximilian A1 - Dendorfer, Sebastian A1 - Betz, Michael A. A1 - Szecsey, Tamara A1 - Mauerer, Wolfgang A1 - Murr, Florian ED - Baier, Wolfgang T1 - Forschung 2018 T3 - Forschungsberichte der OTH Regensburg - 2018 KW - Forschung KW - Forschungsbericht Y1 - 2018 U6 - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:bvb:898-opus4-13826 SN - 978-3-9818209-5-9 CY - Regensburg ER - TY - JOUR A1 - Rück, Thomas A1 - Bierl, Rudolf A1 - Lechner, Alfred A1 - Graf, Antonia A1 - Dams, Florian A1 - Schreiner, Rupert A1 - Auchter, Eberhard A1 - Kriz, Willy A1 - Deubzer, MIchael A1 - Schiller, Frank A1 - Mottok, Jürgen A1 - Niemetz, Michael A1 - Margull, Ulrich A1 - Hagel, Georg A1 - Utesch, Matthias A1 - Waldherr, Franz A1 - Böhm, Matthias A1 - Fraunhoffer, Judith A1 - Gardeia, Armin A1 - Schneider, Ralph A1 - Streubel, Janet A1 - Landes, Dieter A1 - Studt, Reimer A1 - Peuker, Dominik A1 - Scharfenberg, Georg A1 - Hook, Christian A1 - Schuster, Dietwald A1 - Ehrlich, Ingo A1 - Dinnebier, Heinrich A1 - Briem, Ulrich A1 - Lämmlein, Stephan A1 - Koder, Alexander A1 - Bialek, Adam A1 - Genewsky, Axel A1 - Neumeier, Michael A1 - Schlosser, Philipp A1 - Rabl, Hans-Peter A1 - Paule, Matthias A1 - Galster, Christoph A1 - Schiedermeier, Michael A1 - Zwickel, Andreas A1 - Hobmeier, Christoph A1 - Bischoff, Tobias A1 - Rill, Georg A1 - Schaeffer, Thomas A1 - Arbesmeier, Martin A1 - Groß, Andreas A1 - Schlegl, Thomas A1 - Becker, Mark A1 - Senn, Konrad A1 - Schliekmann, Claus A1 - Scholz, Peter A1 - Sippl, Christian A1 - Grill, Martin ED - Eckstein, Josef T1 - Forschungsbericht 2011 / Hochschule für Angewandte Wissenschaften - Fachhochschule Regensburg T3 - Forschungsberichte der OTH Regensburg - 2011 Y1 - 2011 U6 - http://nbn-resolving.de/urn/resolver.pl?urn:nbn:de:bvb:898-opus4-7321 SN - 1868-3533 CY - Regensburg ER -