2 resultados para Bancos – Inovações tecnológicas - Brasil

em Repositório Institucional da Universidade Estadual de São Paulo - UNESP


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The automobile industry shows relevance inside the Brazilian industrial scenario since it contributes with the development of a significant chain of supply, distributors, workshops, publicity agencies and insurance companies in the internal market, aside from being one of the five biggest worldwide market. Thereby, the federal government decreed in Dec, 17th 2012 by Law nº 12.715 the Inovar-Auto Program. As the Adjusted Present Value (APV) is highly recommended, although not yet widespread to public politics of tax reduction, this work intends to apply the APV method on the cash flow analysis of an automobile sector's company, which has recently installed in national territory and wants to rely with governmental incentives proposed by Inovar-Auto Program. The developed work evaluates the company's current cash flow stochastically from mathematical modeling of variables such as price, demand and interest rate through probability distributions with the assist of Crystal Ball software, a Microsoft Excel Add-in, generating different scenarios from Monte Carlo Simulation. As results probabilities situations have been evaluated until the end of the Inovar-Auto's conducted period, in 2017. Beside APV others indicator such as Internal Rate of Return (IRR) and payback period were estimated for the investment project. For APV a sampling distribution with only 0.057% of risk, IRR of 29% were obtained and estimated project payback period was 4.13 years

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The Youth and Adult Education is a reality that still stands on the school benches of Brazil. Elderly people historically get more integration in the world when appropriate to the written code. One of the issues that touch this insertion is the right to vote and, more than that, the awareness of the vote of young and adult illiterate or poorly literate. Thus, this project aims to raise throug the point of view of this student how he see himself as voter and what is their role in the democratic consolidation of this act, even if he is in the condition of illiterate or poorly literate. Therefore, a qualitative approach to research will be conducted, in which individual audio recorded interviews will be held, later transcribed and the data will be analyzed in the light of the studied literature, based on the writings of Paulo Freire. Will participate as subjects Teachers of EJA and of study the students enrolled in the Education of Young Adults rooms on the city of Bauru. The results shown in interviews with the teachers confirmed the investigation of expectations in the study of Paulo Freire which has literacy training as part of the citizenship, the results allowed the construction of the profile of a group of students. We also concluded that it was possible to deconstruct the myth of non-political consciousness of the illiterate and the presence of dialogue in pedagogical practice enabling awareness of Educating