Does Regulation matter? Institutional dimension of the 2008 financial crisis

Why did house prices fall in 2007‐2009? This is the fundamental question to most Americans, and to those who lent them money. Most homeowners did not care why residential real estate prices rose. They assumed prices always rose, and they should simply enjoy their good fortune. It was not until prices began to fall that people were left searching for answers. How much did regulation or lack thereof play in the role of the devastation? To what degree did greed and unrealistic consumer expectation have on the real estate bubble? Using existing literature as well as face to face interviews of experienced leaders within the real estate industry in California who experienced both the up and down of the real estate cycle, the overarching purpose of this study is to investigate the opinions and beliefs of the leaders and drivers within the real estate industry about the cause of the real estate bubble that occurred sharply in 2008 . Specifically, this project will focus on the opinions of real estate industry leaders who worked in the center of the subprime universe located in Irvine, California, during 2004‐2008. Comparing the mainstream beliefs with the interviewees it is fair to say that the main finding in the mainstream beliefs are reflected very well with the finding of the subject’s opinion. The thesis is divided into 6 chapters starting with “introduction”, followed by chapter 2 “Literature Review”. Chapter 3 is “Research Methodology” followed by chapter 4 “Data Presentation”. Finally, the results are discussed in chapter 5 “Analysis and Discussion” and conclusions in Chapter 6.

O papel das tecnologias de informação e comunicação no processo ensino-aprendizagem: um estudo do ensino superior nas modalidades presencial e a distância.

O presente trabalho teve como objetivo identificar o papel das tecnologias de informação e comunicação nas estratégias pedagógicas do processo de ensino-aprendizagem, segundo a percepção dos agentes, docente e discente, em curso superior de tecnologia da área de Ciências Sociais Aplicadas ofertado nas modalidades presencial e a distância. Para alcançar o objetivo foi realizada uma pesquisa qualitativa, operacionalizada por meio de um estudo de caso. As pesquisas teóricas foram em temáticas que conduzissem o pesquisador ao entendimento do assunto e assim subsidiar a ida ao campo. Destacam-se na pesquisa teórica: a educação; os cursos superiores de tecnologia, a partir das suas regulamentações e abrangência; o processo de ensino-aprendizagem, investigando as principais teorias e estratégias presentes nos cursos; e as tecnologias de informação e comunicação, com enfoque especial às voltadas para a educação. A pesquisa empírica ocorreu por meio de um estudo de caso em um curso de uma instituição de ensino superior da região metropolitana de São Paulo que oferece cursos de tecnologia na área de Ciências Sociais Aplicadas, dentre outros: Marketing, Logística, Recursos Humanos e Processos Gerenciais. Os dados foram coletados por meio de entrevistas, com roteiro semi-estruturado, e as estratégias utilizadas para análise foram a Narrativa e a Análise de Conteúdo. Para uma compreensão do assunto foram entrevistados docentes e discentes, do mesmo curso, das duas modalidades: presencial e a distância. As entrevistas foram feitas face a face e pela mesma pessoa, o pesquisador do presente estudo, na região metropolitana de São Paulo e foram posteriormente transcritas para análise. Foram realizadas 28 entrevistas. O resultado possibilitou inferir que há uma convergência de ações implementadas na educação a distância para a educação presencial como a intensificação do uso das Tecnologias de Informação e Comunicação, as quais têm importante papel desde a estratégia para elaboração de uma aula até a devolutiva ao discente.

Relacionamento com clientes no mercado de serviços : um estudo exploratório na atividade de facilities centers

A satisfação do cliente se apresenta como objeto de inúmeros estudos e pesquisas acadêmicas sobre o comportamento do consumidor muito em função da sua implicação gerencial direta para fidelização, retenção do cliente, estabelecimento de relações duradouras e a consequente sustentabilidade do negócio. Em função da experiência profissional do autor, essa dissertação compara as percepções de satisfação de lojistas de dois shopping centers com os respectivos serviços de facilities dada a decisão gerencial de terceirização ou internalização dessas atividades. Os dados coletados junto aos consumidores organizacionais através de entrevistas presenciais foram analisados com base estatística e os resultados mostram indícios de que essa opção gerencial tem significativa relevância na formação da satisfação do cliente. Além dessa conclusão principal, são oferecidas ainda discussões entre as perspectivas teóricas e os resultados da pesquisa de campo bem como possibilidades de aprofundamento do estudo. Por fim, apresentam-se algumas implicações e contribuições teóricas e gerenciais do presente estudo para acadêmicos e gestores de negócios, respectivamente.

Fator stress: o trabalho como sofrimento psíquico nas organizações

The present study aims to identify and describe the main stressor agents from the Occupational Stress, its consequences for the subject, relating it to the types of work organizations. To this end, this study was conducted by means of bibliographical and field researches, with face-to-face interviews been carried out previously, structured with fifteen Psychology professionals working in the clinical area in order to check the number of subjects with Occupational Stress complains related to pathogenic psychological distress. Data were analyzed by the method of content analysis of qualitative approach. The results showed the identification of stressor agents from the Occupational stress and its consequences for the subject, through the mapping of symptoms and diseases, and also, the presence of this kind of stress in different types of work organizations , promoting the pathogenic psychological distress in subjects, changing its relationship with the work.

Health in Madeira: a comprehensive study of aging, body composition, physical activity and functional fitness

Physical Activity (PA) and functional fitness (FF) are predictors of a healthy and independent lifestyle in older adults. The purpose of this study was: (1) to construct reference values for FF; (2) to describe sex- and age-related changes in FF, balance, gait, PA, body composition, and bone health/strength; and (3) to determine their variation and co-variation with respect to PA. This cross-sectional study included 401 males and 401 females aged 60-79 years old. FF was assessed using the Senior Fitness test and balance by the Fullerton Advance Balance scale (FAB). Gait parameters: gait velocity (GV), stride length (SL), cadence and gait stability ratio (GSR) were measured. Femoral strength index (FSI) and bone mineral density (BMD) of the total body, lumbar spine, hip region and total lean tissue mass (TLTM) and total fat mass (TFM) were determined by dual-energy x-ray absorptiometry-DXA. PA was assessed during face-to-face interviews using the Baecke questionnaire. Demographic and health history information were obtained by structured telephone interview. In both sexes, a significant main effect for age-group was found for FF parameters, balance scores, gait performances, TLTM and hip, LS and total BMD and FSI. Likewise there were significant main effects for age-group for total PA in women and sports related PA in men. Men scored significantly better than women in FF (except in upper- and lower-body flexibility), balance, GV, SL, GSR and had higher BMD and TLTM compared with women. Active subjects scored better in FF, balance, and gait than their average and non-active peers. PA and FF exerted only a minor influence in the differentiation of BMD and FSI among the elderly while constitutive factors like age, height, body mass, TLTM and TFM entered as the most significant contributors. This study gives scientific support to public policies at the community level, targeted to increase PA, FF and TLTM, thereby contributing to improved quality of life in older adults.

Are supplier selection criteria going green? Case studies of companies in Brazil

Purpose - The purpose of this paper is to verify if Brazilian companies are adopting environmental requirements in the supplier selection process. Further, this paper intends to analyze whether there is a relation between the level of environmental management maturity and the inclusion of environmental criteria in the companies' selection of suppliers.Design/methodology/approach - A review of mainstream literature on environmental management, traditional criteria in the supplier selection process and the incorporation of environmental requirements in this context. The empirical study's strategy is based on five Brazilian case studies with industrial companies. Face-to-face interviews and informal conversations are to be held, explanations made by e-mail with representatives from the purchasing, environmental management, logistics and other areas, and observation and the collection of company documents are also employed.Findings - Based on the cases, it is concluded that companies still use traditional criteria to select suppliers, such as quality and cost, and do not adopt environmental requirements in the supplier selection process in a uniform manner. Evidence found shows that the level of environmental management maturity influences the depth with which companies adopt environmental criteria when selecting suppliers. Thus, a company with more advanced environmental management adopts more formal procedures for selecting environmentally appropriate suppliers than others.Originality/value - This is the first known study to verify if Brazilian companies are adopting environmental requirements in the supplier selection process.

Causes and consequences of low rates of specialisation in science and technology in CDCC member countries

The importance of science and technology (S&T) in Small Island Developing States (SIDS) is clearly articulated in Chapter XI, paragraphs 57, 58, 61 and 62 of the Mauritius Strategy for the Further Implementation of the Programme of Action for Sustainable Development of Small Island Developing States (MSI). At the regional level, the Heads of Government of the Caribbean Community (CARICOM) noted the challenge that CARICOM member States face in competing in this new international economic environment in which the impact of scientific and technological change has created a knowledge-based global economy. Given the importance of S&T to development of Caribbean SIDS, the Economic Commission for Latin America and the Caribbean (ECLAC) Subregional Headquarters for the Caribbean embarked on a study to determine the causes and consequences of low rates of specialisation in S&T with a view to making recommendations for development of strategies for addressing these challenges. Data on postgraduate (Master of Science, Master of Philosophy and Doctor of Philosophy) enrolment and graduation in agriculture, engineering and the sciences from the three campuses of the University of the West Indies (UWI) as well as from the University of Technology in Jamaica and the University of Trinidad and Tobago (UTT) were examined and analysed. Face-to-face interviews were also held with key personnel from these institutions and a questionnaire was also served to individuals in key institutions. Results of the study revealed that although the number of students enrolled in higher degree programmes has increased in absolute terms, they are decreasing in relative terms. However, enrolment in agriculture has indeed declined while enrolment rates in engineering, although increasing, were not significantly high. Market forces have proved to be a main reason for this trend while facilities for the conduct and supervision of cutting-edge research, the disconnect between science and industry and societal labelling of scientists as “misfits” are also contributing to the situation. This has resulted in a reduced desire by students at all levels of the school system and faculty to be involved in S&T; lack of innovation; a better staffed private, as compared with public, sector; and poor remuneration in science-based employment. There also appears to be a gender bias in enrolment with more males than females being enrolled in engineering while the opposite is apparent in agriculture and the sciences. Recommendations for remedying this situation range from increasing investment in S&T, creating linkages between science and industry as well as with the international community, raising awareness of the value of S&T at all levels of the education system to informing policy to stimulate the science – innovation interface so as to promote intellectual property rights.

Centro de educação matemática (CEM): fragmentos de identidade

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Preditores da desnutrição infantil em populações ribeirinhas do Pará

Objetivo: Identificar os determinantes da desnutrição infantil em crianças menores de dois anos de idade em populações ribeirinhas do Pará. Métodos: Estudo transversal foi desenvolvido com 203 crianças residentes em quatro comunidades ribeirinhas: Aveiro (região Sudoeste), Barcarena (região Metropolitana), Cametá (região Nordeste) e Santarém (região do Baixo Amazonas) por meio de entrevista junto ao responsável pela criança. A variável dependente foi desnutrição, considerada presente para índice estatura para idade < -1 escores z de acordo com a referência atual da Organização Mundial da Saúde. As variáveis independentes foram características: de moradia, do chefe da família, da mãe da criança, do pré-natal, do padrão alimentar da família, do nascimento da criança, dos cuidados maternos e demográficos da criança. A prevalência da desnutrição foi calculada conforme indicadores básicos, subjacentes e imediatas, considerando-se a distância entre as variáveis que compõem os indicadores e o desfecho. Análise multinível foi realizada por regressão logística tendo em conta a hierarquia das relações entre os indicadores e a desnutrição, considerando-se p<0,005. Resultados: A prevalência de desnutrição atingiu 35,0 % das crianças estudadas, variando de 28,6% em Aveiro a 43,1% em Barcarena. As variáveis que se associaram com desnutrição foram baixo peso ao nascer e maior idade da criança. A idade da criança foi o preditor da desnutrição: a chance de uma criança entre 12 e 17 meses de idade apresentar desnutrição foi 3,4 vezes maior do que a de uma criança com menos de seis meses, aumentando em cinco vezes para as crianças entre 18 e 23 meses. Conclusão: Em populações ribeirinhas, a desnutrição em menores de dois anos mostra-se ainda como um grave problema de saúde pública, possivelmente pelo maior tempo de exposição aos fatores de risco ambientais.

Audiodescrição: um recurso de acessibilidade na televisão digital

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

Breakfast frequency, adiposity, and cardiovascular risk factors as markers in adolescents

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

Current Expressions of American Jewish Identity: An Analysis of 114 Teenagers

This chapter explores the characteristics of 114 American teenagers' Jewish identities using data from the National Study of Youth and Religion (NSYR). The NSYR includes a telephone survey of a nationally representative sample of 3,290 adolescents aged 13 to 17. Jewish teenagers were over-sampled, resulting in a total of 3,370 teenage participants. Of the NSYR teens surveyed, 141 have at least one Jewish parent and 114 of them identify as Jewish. The NSYR also includes in-depth face-to-face interviews with a total of 267 U.S. teens: 23 who have at least one Jewish parent and 18 who identify as Jewish. The following analysis draws upon quantitative data from the 114 teens who identified themselves as Jewish in the face-to-face interviews.

Validation of the Brazilian Portuguese version of the Beck Depression Inventory-II in a community sample

Background: The Beck Depression Inventory (BDI) is used worldwide for detecting depressive symptoms. This questionnaire has been revised (1996) to match the DSM-IV criteria for a major depressive episode. We assessed the reliability and the validity of the Brazilian Portuguese version of the BDI-II for non-clinical adults. Methods: The questionnaire was applied to 60 college students on two occasions. Afterwards, 182 community-dwelling adults completed the BDI-II, the Self-Report Questionnaire, and the K10 Scale. Trained psychiatrists performed face-to-face interviews with the respondents using the Structured Clinical Interview (SCID-I), the Montgomery-angstrom sberg Depression Scale, and the Hamilton Anxiety Scale. Descriptive analysis, signal detection analysis (Receiver Operating Characteristics), correlation analysis, and discriminant function analysis were performed to investigate the psychometric properties of the BDI-II. Results: The intraclass correlation coefficient of the BDI-II was 0.89, and the Cronbach's alpha coefficient of internal consistency was 0.93. Taking the SCID as the gold standard, the cut-off point of 10/11 was the best threshold for detecting depression, yielding a sensitivity of 70% and a specificity of 87%. The concurrent validity (a correlation of 0.63-0.93 with scales applied simultaneously) and the predictive ability of the severity level (over 65% correct classification) were acceptable. Conclusion: The BDI-II is reliable and valid for measuring depressive symptomatology among Portuguese-speaking Brazilian non-clinical populations.

Electronic Government Interoperability: Identifying the Barriers for Frameworks Adoption

Interoperability is a crucial issue for electronic government due to the need of agencies' information systems to be totally integrated and able to exchange data in a seamless way. A way to achieve it is by establishing a government interoperability framework (GIF). However, this is a difficult task to be carried out due not only to technological issues but also to other aspects. This research is expected to contribute to the identification of the barriers to the adoption of interoperability standards for electronic government. The article presents the preliminary findings from a case study of the Brazilian Government framework (e-PING), based on the analyses of documents and face-to-face interviews. It points out some aspects that may influence the establishment of these standards, becoming barriers to their adoption.

An investigation about Brazilian mango and grape exports

Purpose - The objective of this paper is to characterise the transactions between European buyers and Brazilian mango and grape producers. Design/methodology/approach - The method selected for this paper was multiple case studies. The Brazilian mango and grape supply chains' export activities to Europe were investigated. The field research was undertaken in Brazil, Germany, The Netherlands and the UK. In total, 41 face-to-face interviews were carried out. Findings - The supermarkets' literature tends to generalise the strategies of retailers focusing on differentiation and preferred suppliers. However, in empirical research conducted in the UK, Germany and The Netherlands it is possible to conclude that the procurement strategies of supermarkets can vary sharply. The results reveal the presence of different agents who demand different quality standards. The level of intensity depends on consumer behaviour, the features of product commercialised and the characteristics of the production segment in each country. Research limitations/implications - First, in relation to the empirical method there is a limitation because the case study does not allow statistical generalisation. Consequently, it will be interesting to undertake quantitative research in order to quantify the variables presented and their impact on the structure of value chains. Second, the research focuses only on two stages of the supply chain, producers and buyers. Practical implications - The differences between UK and German supermarkets challenge the supermarket literature, which tends to generalise the strategies of retailers focusing on differentiation and preferred suppliers. Originality/value - The study shows that the issue of influence and activities of retail agents along the value chain can be analysed taking several variables into consideration: the products commercialised; the distribution segment; and the consumer market. This result opens the way for analysing different structures of the value chain and the impact of these differences on the entry of producers for developing countries into the global market.