9 resultados para debts

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


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Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

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Este artigo versa sobre a importância da pequena cafeicultura no complexo cafeeiro entre 1890 e 1914. Discutimos aqui as relações de trabalho, as formas de financiamento e o modo como a pequena propriedade se insere neste universo. Utilizamos como fontes prioritárias os contratos de trabalho que envolviam a formação e/ou o trato de cafeeiros e as escrituras de dívidas hipotecárias, ambas lavradas nos Livros Cartoriais, fontes estas ainda não trabalhadas pela historiografia de forma mais sistemática. Desviamos nosso olhar para uma região marcada predominantemente pelas pequenas e médias fazendas produtoras de café, observando a dinâmica da acumulação em um período de expansão e de crise da cafeicultura.

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Biodiversity is organised into complex ecological networks of interacting species in local ecosystems, but our knowledge about the effects of habitat fragmentation on such systems remains limited. We consider the effects of this key driver of both local and global change on both mutualistic and antagonistic systems at different levels of biological organisation and spatiotemporal scales.There is a complex interplay of patterns and processes related to the variation and influence of spatial, temporal and biotic drivers in ecological networks. Species traits (e.g. body size, dispersal ability) play an important role in determining how networks respond to fragment size and isolation, edge shape and permeability, and the quality of the surrounding landscape matrix. Furthermore, the perception of spatial scale (e.g. environmental grain) and temporal effects (time lags, extinction debts) can differ markedly among species, network modules and trophic levels, highlighting the need to develop a more integrated perspective that considers not just nodes, but the structural role and strength of species interactions (e.g. as hubs, spatial couplers and determinants of connectance, nestedness and modularity) in response to habitat fragmentation.Many challenges remain for improving our understanding: the likely importance of specialisation, functional redundancy and trait matching has been largely overlooked. The potentially critical effects of apex consumers, abundant species and supergeneralists on network changes and evolutionary dynamics also need to be addressed in future research. Ultimately, spatial and ecological networks need to be combined to explore the effects of dispersal, colonisation, extinction and habitat fragmentation on network structure and coevolutionary dynamics. Finally, we need to embed network approaches more explicitly within applied ecology in general, because they offer great potential for improving on the current species-based or habitat-centric approaches to our management and conservation of biodiversity in the face of environmental change.

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This article turns on the importance of the small coffee production in the coffee complex economy between 1890 and 1914. We argue here the relations of work, the forms of financing and the way as the small coffee production inserts itself in this universe. We use as priority sources the employment contracts that involved the formation and/or the treatment of coffee trees and the Writes of mortgage debts, both recorded in Notarial Books, documents not used by historiography in a systematical way. We turns our look for a region marked predominantly for small and the middle producing farms of coffee, observing the dynamics of the accumulation in a period of expansion and crisis of the coffee economy.

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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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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Fundação de Amparo à Pesquisa do Estado de São Paulo (FAPESP)

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This thesis work aims to bring a better viewing on an atypical case of financial analysis. The lstituto per le Opere di Religione (IOR), commonly known as the Vatican Bank, has peculiarities according to its goals as a bank. Belonging to a Catholic religious congregation, IOR has been used to manage the resources of the church, and ensure that these resources are used for the operation of it and, also for religious works. However the financial transactions made by the bank remained secret throughout its existence until mid 2012. This feature of not providing relevant information at the local and international community brought harm. Several cases of corruption and money laundering came up, bringing scandals that cause bad looks for the religious entity. In order to interact with the international community and understanding the importance of it, the Roman Apostolic Catholic Church decides to joing the international accounting procedures (IFRS) and went on to provide yearly financial statement reports and other information from its bank from 2012 . Thus, this thesis work takes on the role of analyzing the financial statements of the IOR and present its economic and financial health from the Capital Structure ratios, liquidity and profitability in the period 2012-2014. Overall, there has been a significant reduction in indebtedness 548% in 2012 to 362% in 2014. However, such an index showing is still high. In addition, the debt profile remained bad (87.47% short-term in 2014). The Liquidity ratios, both indices fell during the analysed period. Noteworthy is that even with retractions, the indices are equal or greater than 1, which indicates financial footing able to pay off debts. Regarding profitability, in 2013 it represented atypical moment, considering the economic performance of the IOR in the investigated period. There was decrease in profits this year, which resulted in great loss of the indicators in 2013. For the previous and subsequent...