27 resultados para Financiamento habitacional


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A principal proposta desta obra é analisar as formas como a cafeicultura foi financiada na cidade paulista de Casa Branca durante um período de pleno desenvolvimento dessa cultura - final do século 19 e começo do 20 -, e as relações entre a acumulação de capitais nesse setor agrícola e a urbanização do município. O autor ampara-se em pesquisas da história econômica, baseadas nas relações que fundamentam a economia, e em áreas como a cultura e a política. Além disso, aproveita fontes documentais ainda pouco sistematizadas, como dívidas hipotecárias e penhores agrícolas, registrados em Livros Cartoriais. A obra explica como as elites ligadas à cafeicultura da região de Casa Branca centralizaram volumes consideráveis de capitais, e os investiram em grandes cidades, inclusive deixando de pagar os devidos impostos municipais. O autor estabelece um quadro da economia regional e local, com o objetivo de apreender o processo pelo qual se impediu que os recursos financeiros gerados na economia agrária de exportação se fixassem localmente. Para o professor Pedro Geraldo Tosi, que assina o prefácio, a obra é um convite aos que se interessam pela expansão e pelos desdobramentos da cultura do café e, também, os que pretendem entender melhor a importância que tiveram as cidades do interior para configuração de uma das mais instigantes metrópoles do mundo: São Paulo.

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The main objective of this article is to suggest a conceptual taxonomy of thegenerically called International Technical Cooperation (ITC) and Foreign Financial Aid (FFA) phenomena, which will have the pretension to ease their comprehension and their practical consequences for the Brazilian society and for the national State. Insofar, wheninduced by a dynamical structural change in the international society, some Brazilianfederated sectors, specially, municipalities, by the exercise of so-called paradiplomacy or federated diplomacy, are developing public management instruments to acquire resources through ITC and FFA experiences, without making a reflexive thought about their benefits and their consequences.

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This article discusses, in general matters, the economic and social motivations, the organization and development of the program Minha Casa Minha Vida, made in 2009, by Federal Government of Brazil. The objective of this work was to analyse the Brazilian economic and housing context, and the program relation with the Subprime international crisis, which has been started at United States in 2008, as well as analysing and discussing the logistics and the program accessibility. The MCMV program, part of the PAC – Programa de Aceleração do Crescimento – has the intention to combat the economic crisis that had been installed and also minimize the deficit housing of the country. From PAC's initial estimate, US$250 Bi, it has been spent US$129 Bi and it has already been approved more than US$125 Bi designated for the second stage of the program, whose the estimate of PAC2 is about one trillion and a half of brazilian reais. One million homes were built between 2009 and 2012, and the goal for 2014 is two million and a half of new residences. If comparing the current program with the oldest programs, progress were observed ,however, problems and inconsistences are clearly seen: in the real concernment, the truly beneficiary, and contradiction between a social and economic program to urban demands, among other situational factors. It’s also evident, the incentivation for a new residential and closed neighbourhoods, thereby adding to the fragmentation of the urban space, beyond of the exclusion socioespacial caused financing of residences in farest allotments. The capitalist production of the space it’s clearly thriving in analysis of thisfinancing package of the urban habitation, where the biggest glebas rise between central neighbourhood and the newest generated suburb, they evidence the negligence of the authorities in well managing the space, not executing the application of urban instruments of planning the social function, and...

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O acesso à educação infantil é um direito da criança, a sua oferta é obrigação do poder público municipal embora a matrícula seja uma opção da família. Devido a crescente demanda nesta etapa da educação, surgiram estratégias para ampliar o atendimento. Em sendo assim, atualmente tem-se expandido, na rede pública, a oferta de vagas para educação infantil principalmente por meio de convênios e parcerias público-privadas, de certa maneira, incentivados pelo Fundo de Manutenção e Desenvolvimento da Educação Básica e de Valorização dos Profissionais da Educação (FUNDEB), que admite a distribuição dos recursos públicos às instituições conveniadas. Este estudo está vinculado ao Grupo de Estudos e Pesquisas em Política Educacional, GREPPE (grupo interinstitucional) – Seção Rio Claro, mais precisamente ao Projeto de Pesquisa intitulado Avaliando a produção científica sobre financiamento e convênios na educação infantil, coordenado pela Profª Drª Regiane Helena Bertagna. O presente trabalho teve como objetivo mapear e analisar a temática relacionada ao conveniamento e financiamento da educação infantil a partir de periódicos científicos nacionais de educação, avaliados pela CAPES como ―A1 – ano de referência 2008 - durante os anos de 2000 a 2010. Por meio de pesquisa de natureza qualitativa, de levantamento e análise bibliográfica, foram verificados e analisados os assuntos mais abordados em relação à temática nos estudos científicos, a saber: teoria econômica em educação; globalização e educação; Estado e educação; organismos internacionais e a infância; política de fundos para educação; atendimento na educação infantil. Verificou-se que o periódico que mais apresentou artigos sobre a temática foi o Educação & Sociedade (CEDES). Em defesa da importância da garantia do direito... (Resumo completo, clicar acesso eletrônico abaixo)

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O objetivo do trabalho é tratar da questão do investimento e financiamento das empresas de capital aberto brasileiras no período de 1998 a 2008. Para tal, estabelecemos uma relação entre o desempenho destas com o desempenho da economia brasileira no período e com a contribuição teórica de autores que escreveram sobre o tema

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The Integrated Project developed here proposes the application of sustainable technologies to reduce costs and rational use of water and electricity in housing. The reduced consumption of resources and expenditures intended to ensure that families have financial ability to maintain their homes thus avoiding default and legal problems. The object of study that enabled the development of this work is the Housing Interlagos in São José dos Campos. Was analyzed the type of residence of the housing, the demographic characteristics of the region and the socioeconomic conditions of the borrowers, and from these data, was proposed solutions for sustainable housing

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This study is bound to the “Research and Studies in Educational Policies”, GREPPE (interinstitutional group) – Rio Claro Section, more accurately to the Research Project entitled Evaluating the scientific production about financing and agreements in childhood education, coordinate by Prof. Dr. Regiane Helena Bertagna, that has as main objective to survey of scientific production at the national level related to the theme of financing and agreements in childhood education in the period from 2000 to 2010. This research has as objective to analyze the financing of childhood education examinee issues of educational policies related to this aspect in this stage of the basic education in national journals. It is intended to ascertain the discussion held in the articles about childhood education financing highlighting the strategies used by the government to offer treatment to the childhood education by means of agreements, or even, by means of public-private partnerships. For the development of this research will be conducted a survey and data analysis from journals of the “Coordination of Improvement of Senior Staff” (CAPES) classified as A2 in the evaluation of 2008. The research will make a cutting between the years from 2000 to 2010; will be analyzed only the national journals online available and that adress the thematic studied

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This paper has it is hypotesis on the government program “My Home, My Life” and the assumption that it is a public politic attached to the market logic of financialization of the housing. It is understood that this program encourage capital for the main constructors and incorporated of brazilian heritage elite. It also served as well to promote more rentability to international capital and intensified the sociospacial segregration process as real state speculation has been potencialized. This work aims to present and discuss the program contradictions that have been sustained on the speech of wide subsidy offer and habitance construcution for low income workers - month income until three minimum salaries. Documents have shown that in the first phase of the program, habitance construction for this sector of population corresponded only to 5,5% of total habitation deficit. Businessmen on residance civil construction and public politic representatives have confirmed that the program interests are linked to financial market logic.The real benefits are not for low income workers, but for real state agents through extraordinaty profits of land and the so called new medium workers class(worker class C).We will search for embasement on the country history through the different governments and housing policies, in value theory and the concept of land income to understand the financialization process of the housing. We will also analyse oficial documents and the agents speech involved in real state market to show program contradictions and whose the real benefts are for

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The present study is in reference to precast concrete (panels) walls as the main structural system. The diversification of the structural systems is a reality due to specific characteristics', as a result there is a lack of study and analysis. Some systems are already established in their applications, for instance: conventional reinforced concrete, structural masonry, metal structures, and wood structure. Apart from this precast concrete elements has had a growth in building sites in Brazil, therefore professionals should be more aware. Affordable house funding initiatives to address the housing shortage has been recurrent throughout the country, additionally precast concrete walls has been an alternative that meets the three basic concepts of engineering, which are: the technique, economy, and security. The objective of this study is to gather concepts from the literature and TOMO (2012) about precast concrete walls and make a didactic synthesis of how they are viewed. The modeling structure method of the system was performed following the concept of assigning bars, using the computer program of calculations SAP2000. Initially will be presented a theoretical part, furthermore a case study to illustrate the sizing of the walls using EXCEL tables programmed with calculation routine. The results will be presented in calculated efforts by the program for further analysis. Finally, will be highlighted important items of modeling and interpretation of the results

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This paper discusses urban space focusing on the housing sector, the capitalist reproduction and some changes occurring in that space as a result of the dynamics of the real estate sector and interests of financial agents, developers and urban land owners/speculators. The changes imposed to cities value abstract spaces over concrete ones, showing the unbalance between the interests of agents, who have in view the market, and those of dwellers, who live daily in such areas. Based on these reflections, a case study was carried out in the Jardim Letícia neighborhood in Leme city (state of São Paulo) in order to understand the space production and reproduction in that area, analyze some of the main problems faced by local people, and identify some agents involved in the process.

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Pós-graduação em Televisão Digital: Informação e Conhecimento - FAAC