6 resultados para Interest and usury


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Migrating to cloud computing is one of the current enterprise challenges. This technology provides a new paradigm based on "on-demand payment" for information and communication technologies. In this sense, the small and medium enterprise is supposed to be the most interested, since initial investments are avoided and the technology allows gradual implementation. However, even if the characteristics and capacities have been widely discussed, entry into the cloud is still lacking in terms of practical, real frameworks. This paper aims at filling this gap, presenting a real tool already implemented and tested, which can be used as a cloud computing adoption decision tool. This tool uses diagnosis based on specific questions to gather the required information and subsequently provide the user with valuable information to deploy the business within the cloud, specifically in the form of Software as a Service (SaaS) solutions. This information allows the decision makers to generate their particular Cloud Road. A pilot study has been carried out with enterprises at a local level with a two-fold objective: To ascertain the degree of knowledge on cloud computing and to identify the most interesting business areas and their related tools for this technology. As expected, the results show high interest and low knowledge on this subject and the tool presented aims to readdress this mismatch, insofar as possible. Copyright: © 2015 Bildosola et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.

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[ES] En el presente trabajo se analiza el uso de las TIC (Tecnologías de la Información y la Comunicación) en las responsabilidades de la gestión de la tesorería, tomando como referencia para su estudio las empresas de la CAPV (Comunidad Autónoma del País Vasco). Los resultados indican que las TIC más utilizadas por las empresas en operaciones financieras son el software financiero, Internet y la banca electrónica. Además, estos resultados han permitido desarrollar un modelo explicativo del uso de las TIC en las principales funciones del tesorero, como son la gestión de cobros y pagos, gestión de la liquidez, previsiones de tesorería a corto plazo, gestión de saldos bancarios en fecha valor, negociación con entidades financieras, gestión de la financiación del déficit de tesorería, gestión de la colocación de puntas de tesorería y gestión de riesgos de tipo de interés y tipo de cambio.

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Ponencia invitado en el congreso internacional XII congreso AEISAD."El Factor Humano: Cuando la diferencia la marcan las personas" 25/10/2012 San Sebastián - Coeditado por: Juan Aldaz Arregui, Alberto Dorado Suárez, Pedro Jesús Jiménez Martín, Anna Vilanova Soler

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XX1 CUIEET - Congreso Universitario de Innovación Educativa en las Enseñanzas Técnicas, Valencia, 2013.

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Background: Budesonide has a long history as intranasal drug, with many marketed products. Efforts should be made to demonstrate the therapeutic equivalence and safety comparability between them. Given that systemic availability significantly varies from formulations, the clinical comparability of diverse products comes to be of clinical interest and a regulatory requirement. The aim of the present study was to compare the systemic availability, pharmacodynamic effect, and safety of two intranasal budesonide formulations for the treatment of rhinitis. Methods: Eighteen healthy volunteers participated in this randomised, controlled, crossover, clinical trial. On two separated days, subjects received a single dose of 512 mu g budesonide (4 puffs per nostril) from each of the assayed devices (Budesonida nasal 64 (R), Aldo-Union, Spain and Rhinocort 64 (R), AstraZeneca, Spain). Budesonide availability was determined by the measurement of budesonide plasma concentration. The pharmacodynamic effect on the hypothalamic-adrenal axis was evaluated as both plasma and urine cortisol levels. Adverse events were tabulated and described. Budesonide availability between formulations was compared by the calculation of 90% CI intervals of the ratios of the main pharmacokinetic parameters describing budesonide bioavailability. Plasma cortisol concentration-time curves were compared by means of a GLM for Repeated Measures. Urine cortisol excretion between formulations was compared through the Wilcoxon's test. Results: All the enroled volunteers successfully completed the study. Pharmacokinetic parameters were comparable in terms of AUC(t) (2.6 +/- 1.5 vs 2.2 +/- 0.7), AUCi (2.9 +/- 1.5 vs 2.4 +/- 0.7), t(max) (0.4 +/- 0.1 vs 0.4 +/- 0.2), C(max)/AUC(i) (0.3 +/- 0.1 vs 0.3 +/- 0.0), and MRT (5.0 +/- 1.4 vs 4.5 +/- 0.6), but not in the case of C(max) (0.9 +/- 0.3 vs 0.7 +/- 0.2) and t(1/2) (3.7 +/- 1.8 vs 2.9 +/- 0.4). The pharmacodynamic effects, measured as the effect over plasma and urine cortisol, were also comparables between both formulations. No severe adverse events were reported and tolerance was comparable between formulations. Conclusion: The systemic availability of intranasal budesonide was comparable for both formulations in terms of most pharmacokinetic parameters. The pharmacodynamic effect on hypothalamic-pituitary-adrenal axis was also similar. Side effects were scarce and equivalent between the two products. This methodology to compare different budesonide-containing devices is reliable and easy to perform, and should be recommended for similar products intented to be marketed or already on the market.

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[eus] Azken hamarkadetan egon diren aldaketak direla eta, gaur egungo gizarteak, pertsona sortzaileak eskatzen ditu, beraz, oraingo erronkei erantzuten dien hezkuntza baten beharrean gaude. Honetarako, pertsonen interes eta trebetasunetatik abiatzen den hezkuntza behar dugu, sormenari eta adimen emozionalari lekua uzten dion hezkuntza, hain zuzen ere. Hau lortzeko, lehenik eta behin gure inguruko zentroen egoera aztertu eta beste motatako esparruetara jo da, hauen ezaugarriak, zailtasunak eta aukerak ezagutzeko asmoz. Aipatutako bi gaitasun hauek pertsonengan duten garrantzia ikusita eta zenbait lekutan nola lantzen dituzten aztertu ostean, emaitzak jasoko dira gure inguruko zentroetan, sormena eta adimen emozionala bultzatzen duen metodologia baten ezaugarriak eskeintzeko. Aipatuko diren, jarduera motak eta irakasleen papera Hezkuntza Sortzailea oinarritzat izango dute, pertsona guztien berezitasunak, interesak eta trebetasunak kontuan hartzen dituen hezkuntza izanik.