19 resultados para LOANS

em Repositório Institucional UNESP - Universidade Estadual Paulista "Julio de Mesquita Filho"


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A partir do edifício teórico braudeliano investiga-se as modalidades de crédito praticadas na cafeicultura paulista, bem como as hierarquias que caracterizaram o seu funcionamento e organização. Lista-se neste artigo uma série de operações de crédito captadas por fontes documentais de diferentes naturezas, buscando subsidiar a discussão sobre a diversidade das formas de obtenção de crédito no espaço em questão. O ponto de nosso argumento é que o interior do estado, especializado na produção de café, joga papel fundamentalmente subordinado na hierarquia e na cadeia do crédito, dominada pelo grande capital cafeeiro, sendo que os mecanismos de concentração da riqueza e das oportunidades se situam mais destacadamente na capital paulista, que, por sua vez, também ocupa posição subordinada em relação aos principais centros capitalistas.

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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Pós-graduação em Engenharia de Produção - FEB

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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Pós-graduação em Zootecnia - FCAV

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Analyze possible relationships between the bankruptcy and the family structure of informal micro-enterprises in Fortaleza city, Brazil. The analysis began with a research among micro-entrepreneurs who were beneficiaries of PROFITEC loans in bankruptcy and non-bankruptcy situation in 1997-1999 period. Evaluate whether the overlap of family and professional relationship inside the organizational structure of those micro-enterprises is a factor leading to bankruptcy. The comparative analysis divides the micro-enterprises into two groups: one that which had complied with the loan obligations (abiding firms) and another which had not (non-abiding firms). The analysis pointed out the familiar structure as having positive and negative influences over organizational work in both groups. The research also realized that those groups of family informal micro-enterprises do not recognize the professional problems related to the family, giving room for managerial conflicts related to the compliance, work time and use of profit. We cannot say that family structure of the informal microenterprises is the decisive cause for non-abidance, since there are also family firms which have the same disadvantages of both groups, but are complying with their obligations. The personal relationships in the informal family firms, however, define good practices and behaviors that definitely affect their operations.

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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This work presents a proposal for teaching financial mathematics to students from secondary school using mathematics investigation. This methodology is used for many researchers and this work follows the main ideas of Fonseca, Brunheira, and Ponte (1999) and Skovsmose (2000). With this methodology, we intend to develop activities that approximate real situations of daily life and we aim to help students to understand and make decisions about single commercial and finances negotiations. Such activities have open questions that provide students the opportunity to think about mathematical subjects like loans, financing and saving account. We show a short description of studies about the importance of financial education in secondary school and university. Our proposal is applied in Secondary School because we considering to use contents of this area in a very simple way, dealing with mathematical ideas in order to develop skills of critical analysis. We suggest a qualitative research with phenomenological approach, as a possibility analysis of collected data from this teaching proposal

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This dissertation aims to study the adaptation of proper names of (truly or supposedly) foreign origin, investigating the force of the phonological system of the destination language in the process of incorporating foreign words, objecting to bring contributions to the determination of Brazilian Portuguese phonological identity, from the investigation of the limits between what is and what is not considered Portuguese, from the point of view of the pronunciation , to its own native speakers. The objective is to evaluate in which way loans introduce or not a new microsystem in the destination language (CARVALHO, 2009, p. 85) in the phonological level

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The financial health of a family is one of the main generators of quality of life, and this is only possible through financial planning, which is nothing more than save and analyze before contracting debts. To do this, students must have notion of financial mathematics, especially of that used by the banks on overdraft interest, in investments and in the short-term and longterm loans, that is, compound interest, equivalent rates, depreciation and others. Starting from the knowledge of arithmetic and geometric progressions and, based on real situations which allow the application of the content learned, one intends to develop activities applied to high education. To start from real situations is one of the main lines of thought of the Problem Solving Methodology, in which the student is the active agent in the construction of his or her knowledge. As the National Curricular Parameters point out, the practice in the use of computers is essential for gaining a job. Therefore, this project proposes an activity where knowledge of Financial Mathematics can to be practiced, associated with the use of Microsoft Excel® spreadsheet

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Pós-graduação em História - FCHS

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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There are three distinct and complementary objectives in this article in order to clarify the higher education outline in Brazil, specifically evening courses (classes are held on weekdays, generally from 7:00 pm to 10:30 pm) and thesecurrent sector policies. The first objective is to present a short historical overview on the establishment of evening courses in Brazil, including those in the higher education level, occurred on the middle of last century. The second objective is to demonstrate the growth of evening higher education in Brazil, considering that in 1998, of the 2.1 million college enrollments, 55.3% were enrolled in evening courses; in 2010, twelve years later, of the 5.4 million students enrolled, there were 63.5% enrolled in evening courses. This expansion is due to the growing need of many students who must work while attending college, to defray costs of the study as well as personal and family costs. The reality of the working student is hostile considering external factors, such as transport problems, public security and lack of legislation for flexible working hours. The third objective is to discuss current public policies to expand eveningopenings in public institutions which represent nowadays only 16.1% of the 3.4 million enrollments for evening classes, including federal (6.8%), state (7.0%) and municipal (2.3%) institutions. In the third objective it is included the discussion of programs for scholarships and tuition loans. The methodology applied was to rescue historical information on the establishment and the expansion of evening courses in Brazil, analyzing the current general Brazilian policies and the specific ones from the State of São Paulo. The research results pointed to the importance of federal programs for scholarships and tuition loans for students from private institutions such as the 1,382,484 scholarships since 2004 (PROUNI Program) and the 847,000 tuition loans since 1999 (FIES Program). Important steps have been made by the Brazilian government. Considering that there are 3,987,424 enrollments in private institutions, the effectiveness of the programs for scholarships and tuition loans is still insufficient to meet the universal benefits for the student’s needs. Evening courses became the real instrument of social inclusion for many Brazilian youths and must be expanded quantitatively and qualitatively, with aggressive public policies, including also, scholarships and tuition loans.

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There are three distinct and complementary objectives The first objective is to present a short historical overview on the establishment of evening courses in Brazil (classes are held on weekdays, generally from 7:00 pm to 10:30 pm), including those in the higher education level, occurred on the middle of last century. The second objective is to demonstrate the growth of evening higher education, considering that in 1998, of the 2.1 million college enrollments, 55.3% were enrolled in evening courses; in 2010, twelve years later, of the 5.4 million students enrolled, there were 63.5% enrolled in evening courses. The third objective is to discuss current public policies to expand evening openings in public institutions which represent nowadays only 16.1% of the 3.4 million enrollments for evening classes. In the third objective it is included the discussion of programs for scholarships and tuition loans. The research results pointed to the importance of federal programs for scholarships and tuition loans for students from private institutions such as the 1,382,484 scholarships since 2004 (PROUNI Program) and the 847,000 tuition loans since 1999 (FIES Program). Important steps have been made by the Brazilian government. Considering that there are 3,987,424 enrollments in private institutions, the effectiveness of the programs for scholarships and tuition loans is still insufficient to meet the universal benefits for the student’s needs. Evening courses became the real instrument of social inclusion for many Brazilian youths and must be expanded quantitatively and qualitatively, with aggressive public policies, including also, scholarships and tuition loans.