O crédito imobiliário no Brasil

Nos últimos oito anos, o Brasil apresenta elevada atividade econômica e, destacadamente, os setores da construção civil e do crédito imobiliário demonstram elevado crescimento. Entretanto, diferentemente da recente dinâmica do setor e da economia brasileira, a história do setor da habitação no país é marcada por dificuldades de acesso ao crédito imobiliário para a aquisição e construção de moradias, situação a qual resultou no elevado déficit habitacional existente, nas desigualdades e outros fatores excludentes que a própria situação impõe, principalmente, pelo desenvolvimento do mercado de crédito imobiliário não ter sido capaz de acompanhar o crescimento da população e a urbanização brasileira nas últimas décadas. Este trabalho procura detalhar os diferentes momentos do crédito imobiliário no país o qual, por sua vez, teve inicio em meados dos anos 60 através de iniciativas públicas na estruturação do Sistema Financeiro de Habitação. Posteriormente, durante a década de 70, houve elevada expansão do financiamento de aquisição e construção de moradias no país, contudo, em decorrência dos desequilíbrios macroeconômicos e do próprio sistema que se acentuaram final dos anos 70 e início dos 80, a atividade de crédito imobiliário apresentou retração nas décadas posteriores, ou seja, durante a década de 80 e 90. Paralelamente ao financiamento habitacional, a década de 90 foi marcada pela execução de reformas macroeconômicas que, posteriormente, possibilitaram o controle inflacionário e a maior previsibilidade econômica no país. Adicionalmente, no final da década, estruturou-se um novo sistema denominado Sistema de Financiamento juntamente com a adoção do Regime de Metas de Inflação e a Lei de Responsabilidade Fiscal. As reformas recentes e a estabilidade econômica proporcionaram o favorável e recente... (Resumo completo, clicar acesso eletrônico abaixo)

Definição de públicos na gestão de relacionamentos de instituição privada de ensino superior

This paper aims to provide guidelines for the development of communication strategies and relationship to a Private Institution of Higher Education (PIHE), having as initial activity of this process the definition and distinction of its various stakeholders. Currently, it has become necessary due to changes the scene of higher education has been through. In general, competition is greater, the demands of customers increased, causing the university management to take new directions in order to plan the activities in the most possible professional way. The study enables the public to identify needs and preferences of each group, allowing the creation of communication strategies and more targeted and relationships more prosperous and sustainable, making them competitive advantages in the midst of this tumultuous contemporary educational context. Therefore, it was developed a study of public interest of Faculdades Integradas de Bauru - FIB - coupled with the development of a field research, exploratory and descriptive to get subsidies for a project relationship for the various stakeholders of the institution

Respostas cardiovasculares ao exercício resistido em hipertensos: uma revisão sistemática

Adopting a healthy lifestyle it is critical for the prevention of high blood pressure and is an indispensable part of the treatment of those with hypertension. High levels of physical activity and greater fitness are associated with reduced incidence of hypertension. However until the beginning of the 1990 decade, the resisted exercise was not inclued at the internacionals statements for people with heart disease. Fortunately, in the past few years, this type of exercise started to take into account as a possible strategy for the first and second prevention of diferents cardiovascular diseases. The aim of this study it is to evaluate, through a systematic review, the contribution of the resisted exercise on the cardiovascular responses in hypertensive male adults. Twenty eight articles were pre-selected for this study, four attend to the requirements. The results were not consistent in this review, only the diastolic blood pressure demonstrated decrease in three of the four studies, in circuit protocol as much as in the conventional protocol. Otherwise one study proved an increase in the VO2max, wich is an important data, because it is an anaerobic exercise and, an improve was not expected. An other article analised the harm issues of the Valsalva manouvre, where it was presented the maximum blood pressure values (345/245 mmHg) and evidences of lower blood pressure rises in the intra-arterial, intrathoracic and intra-abdominal pressures when the exercise was performed without the manouvre, enhancing the necessity to avoid the use of this manouvre in hypertensive individuals.

Villa Aurore, de J.-M Gustave Le Clézio: duplicações literárias

Le conte “Villa Aurore” montre bien la mobilité et la duplicité qui caractérisent l’oeuvre de Le Clézio: en même temps que le titre de cet ouvrage, La ronde et autres faits divers, annonce la représentation de la réalité à partir des faits divers, la présence du mythe donne au récit un fort potentiel poétique, qui peut être constaté surtout dans le lyrisme du langage et dans les procédés poétiques que l’auteur utilise dans la création de ses récits. Tel que dans d’autres textes de La ronde et autres faits divers, le conte “Villa Aurore” montre la force d’un récit réaliste, attaché à la banalité quotidienne, mais qui se tourne vers le mythe, en configurant une structure circulaire, dont relève le doublement des catégories narratives du temps, de l'espace et du narrateur. Ainsi, ce travail a l’objectif de montrer comment les représentations du narrateur, du temps et de l’espace, doublées et opposées, contribuent-elles à déterminer cette structure et aussi comment semblent-elles converger pour l’expression du désir de l’évocation d’une quête sur les origines dans le corpus étudié

Caracterização das unidades ecológicas da zona ripária de microbacias da bacia do rio Corumbataí, SP

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Métodos diagnósticos para detecção da Leucemia viral felina

The feline leukemia virus (FeLV) was described in 1964 by William Jarrett and collaborators wen find viral particles attached to the membrane of lymphoblasts in cat with lymphoma. The virus belongs to the family Retroviridae, subfamily oncornavirus. With worldwide distribution, the occurrence of FeLV has 1.6% in healthy cats and 10.8% in sick cats in Brazil. The mortality of persistently viremic animals in catteries is about 50% in two years and 80% in three years. In catteries that have endemic feline Coronavirus (FCoV), FeLV and / or Feline Immunodeficiency Virus (FIV), the FeLV infection has greater contribution to mortality. The test for infection and FeLV positive cats segregation is the main way to prevent the spread of infection. The diagnostic methods are based on clinical signs and changes compatible with FeLV infection observed by physical examination, complete blood count, X-ray, bone marrow aspirate and biochemical. The viral p27 protein is produced in infected cells in high amounts and is found in abundance in the cytoplasm and in body fluids enabling diagnosed methods such as enzyme-linked immunosorbent assay - ELISA and direct immunofluorescence, detection of viral genome (Chain Reaction Polymerase - PCR) and detection of the virus by virus isolation. Although diagnostic tests are highly sensitive, it should be made more than a confirmatory test, especially serological due to variable characteristic of the progress of infection

Educação popular sob influência nas manifestações populares

Esta monografia tem como objetivo apresentar uma pesquisa bibliográfica que investiga a educação popular como instrumento social usado por grupos étnicos formados ao longo da história nacional brasileira, que, devido ao contexto social em que foram submetidos indígenas e negros no período do Brasil Colônia reedificaram sua cultura descendente manifestando-a através da dança, do canto e expressões artísticas. A pesquisa reorganizou parcialmente o caminhar histórico dos afrodescendentes e influências indígenas focando alguns dos principais fatores histórico-sociais que estimularam a construção de manifestações populares, tais como: a Coroação do Maracatu e da Congada, a Roda de Jongo, o Samba de Coco, o Lundu e Tambú (Batuque de Umbigada). Para auxiliar o entendimento deste processo foi elaborada uma abordagem qualitativa, aprofundando conhecimentos sobre a educação e manifestações populares brasileiras usando como metodologia a coleta de dados bibliográficos, análise e extração de dados de documentários referentes às manifestações populares no Brasil, consultam a sites oficiais, e também depoimentos recolhidos com membros da comunidade negra das cidades de Rio Claro e Campinas/ SP. O resultado foi uma monografia composta por elementos históricos que demonstram as contribuições da educação popular na recolocação social dos descendentes de ex escravos no cenário cultural do Brasil

Fractografia quantitativa: correlação entre dimensão fractal e tenacidade à fratura em compósitos fibra de carbono/epóxi

The fracture surfaces express the sequence of events of energy release due to crack propagation by linking the relief of the fracture to the loading stresses. This study aims to evaluate the heterogeneity of the critical zone for the advancement of the crack along its entire length in a thermoset composite carbon fiber and epoxy matrix, fractured in DCB testing (Double Cantilever Beam) and ENF (End-Notched Flexure). Investigations were made from image stacks obtained by optical reflection of extended depth from focus reconstruction. The program NIH Image J was used to obtain elevation map and fully focused images of the fracture surface, whose topographies were quantitatively analyzed. The monofractal behavior for DCB samples was assessed as being heterogeneous along the crack front and along the crack for all the conditionings. For the samples fractured in ENF test, there was a strong positive correlation to the natural condition, considering the fibers at 0° for the monofractal dimension and structural dimension (Df and Ds). For fibers at 90° to crack propagation, there was a moderate positive correlation for the textural dimension of natural condition. However, for the samples under ultraviolet condition and those subjected to thermal cycles, there was no correlation between the fractal dimension and fracture toughness in mode II

Modelo tectono-estrutural dos campos de petróleo Namorado, Cherne e Albacora

The main goal in this research is a tectono-estructural characterization of the Cherne, Albacora and Namorado Fields, located at Campos Basin, in order to investigate the relationship between the geologic evolution and the rock´s physical properties of the reservoir, and how they affect the hydrocarbon accumulation in those fields. Well correlations show that the inferior turbidites have a regional lateral continuity. Basic petrophysics analysis, calculated here, shows that the three fields present porosity values that range from 15 to 20%, shale volume range from 26 to 30% and formation water saturation range from 23 to 45%, based on formation water resistivity dada from Albacora Field. Petrophysics maps feature a trend in Albacora Field that increase the porosity values to SE, and in Cherne and Namorado Field the trend increase towards N. Seismic horizons where interpreted between the first appearance of the Namorado Sandstone and the top of Quissamã Formation. This interval presents normal listric faulting, in Cherne and Namorado Field with NWSE and NE-SW direction, and sedimentation trend to NW-SE, in Albacora Field the faulting presents a NNE-SSW and N-S direction, with a sedimentation trend to NE-SW. Seismic attribute maps present amplitude anomalies close to the producing wells, and on Namorado Field, it indicates a potential hydrocarbon accumulation in the NE region. For each field is indicated laboratory tests for a better characterization of the petrophysical properties, since that they don’t form the same reservoir level, therefore, not influencing the water saturation calculation

Células granulares do giro denteado recém-geradas em ratos epilépticos jovens e idosos apresentam dendritos basais

As células granulares do giro denteado do hipocampo são continuamente geradas na zona subgranular em mamíferos. Condições como epilepsia e envelhecimento podem alterar a proliferação celular e também certas características morfológicas das células granulares, como a formação de dendritos basais. Através da imunohistoquímica para doublecortin, marcador neuronal de células granulares imaturas, o estudo visa avaliar a proliferação destas células e quantificar o número de dendritos basais em animais epilépticos crônicos usando o modelo de Epilepsia de Lobo Temporal induzido por pilocarpina. Contatamos que a relação de células granulares com dendritos basais permanece constante no decorrer da vida do animal epiléptico de forma que esta alteração plástica das células granulares não seja fator determinante na patologia

Desenvolvimento de um jogo educacional de cunho sócio-histórico

With the technology evolution for school proposals, became necessary the creation and modifica- tion of the pedagogical paradigms applied in the classroom. With this in mind, this monograph attempts to explain clearly and succinctly how to develop a complete game, following the precepts of appropriate pedagogy and software engineering steps, explaining the main entertainment devices and graphics suitable for the student’s intellectual development. Therefore, it is studied throughout this academic work, the complete process of development, making use of the development language ActionScript 3.0 , aided by some other technologies, show- ing that the use of technology articles in the classroom is possible and highly indicated

O retorno: identidades à deriva no romance português contemporâneo

This paper concentrates on the analysis of how the typical voices of History are manifested, which is achieved by the aesthetics of the contemporary Portuguese narrative, as it aims at the same time the reflexion and the reformulation of the Lusitanian cultural imaginary in the course of O retorno, a novel by Dulce Maria Cardoso. The hypothesis that arises is that the trajectory of Rui’s individual experience, as wells as the other’s characters “retornados” looking for identity, is parallel to the proposed revision of the Portuguese nation collective cultural imaginary in the decolonization context, after the 25th April Revolution. It is its objective to investigate how the historical processes concerned to the concepts of exile and uprooting, displacement and belonging (BAUMAN, 2005) are fictionalized in the novel, seen as motes for Rui’s pursuit for identity and for the revision of the Portuguese Destiny theme

Circulação atmosférica e precipitação pluviométrica na Bacia do Itajaí - SC: um estudo climatológico aplicado

The work is guided by the detailing of the Itajaí river basin, SC, rainfall dynamics at the annual, seasonal and monthly levels, allowing us to identify different responses that each location gives to the regional atmospheric circulation, particularly the rainfall. In this sense, we are aiming at approaching the concept of rhythm, which must be obtained at the daily level. The analysis at different climate scales was possible through isohyetal maps, trend lines, and Schroeder pluviographs. Moreover, we established the flow rate of the air masses by means of the Venn diagram. This data made it possible to assess the behavior of rains on that site and the reason why it is the stage of major flooding, as occurred in November 2008. The relatively mountainous topography combined with the frequent invasions of the Atlantic Polar Front, which often stop over the region, generate events of that magnitude, with high volumes accumulated in short periods of time. Such extreme events reinforce the idea of the search for the succession of types of weather to the detriment of averages that tend to abstract the reality

O uso do geoprocessamento para mapear as áreas verdes urbanas como indicador de qualidade ambiental no município de Americana/SP

The style of life in the cities deprives the man of the contact with nature. As a way to escape from the turbulent reality of the urban system, the urban planning provides areas that allow the contact between man and nature like botanical gardens, parks, leafy squares, etc. These places, through specific analysis, are also called green areas. Thus, the main purpose of this research is to outline and analyze, through geoprocessing techniques, green areas of Americana, São Paulo considering them as indicators of urban environmental quality. This evaluation will be based on the methodology adapted by Bargos (2010) where products of remote sensing were used (aerial photos and satellite images) and it will be also based on field work and calculation of the amount of green areas. The software ESRI ArcGIS® will be used to create thematic maps connected with city’s green areas. Based on the results achieved in this study, it’s expected to contribute to the government of the city of Americana in order to provide benefits of analysis for decision makers in the context of urban planning aiming an improvement in the urban environmental quality, thus benefiting its entire population

Barreiras à entrada no Setor Siderúrgico Brasileiro no período de 1993 a 2012

This study aims to identify and analyze the barriers to entry in the two technological routes (integrated and semi - integrated mills) , the Brazilian steel industry , specifically in the areas of Plans and Long , in the period 1993-2012 . Thus, the study is characterized as an exploratory - descriptive research, based on data collection from secondary sources. The competitiveness is influenced by structural market factor, among them the threat of new market entrants. The entrants can have their ticket inhibited by entry barriers. In the steel industry, it was identified that the main strong structural barriers are economic, the type of scale economy, highlighting the idle capacity, and sunk costs. Institutional and economic barriers, the diversification and product differentiation type, are considered moderate barriers. Economic barriers, the type absolute cost advantage and initial capital requirements, and strategic price barrier are considered weak. With this, one can consider that the input type which most closely approximates the market for national steel industries is blocked, since their main barriers are the structural type