Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real

Este trabalho tem por objetivo a análise empírica dos fatores macroeconômicos que determinaram os níveis de spread bancário para pessoas físicas e pessoas jurídicas no Brasil no período pós-adoção do Plano Real até dezembro de 2012. Para isso foi utilizado um modelo de auto regressão vetorial com variáveis representativas de fatores macroeconômicos. O Trabalho expõe ainda algumas características da indústria bancária no Brasil e as particularidades do mercado de crédito praticado para pessoas físicas e pessoas jurídicas. Os resultados deste trabalho evidenciaram que: (i) a taxa básica de juros foi o principal fator macroeconômico de influência do spread praticado tanto para pessoas físicas quanto para pessoas jurídicas; (ii) Enquanto um impacto no nível de inflação ocasionou maior influência no spread para pessoas físicas, um impacto na volatilidade da taxa básica de juros influenciou positivamente o spread para pessoas jurídicas.

Estudo da adição de resíduo de scheelita em matriz cerâmica: formulação, propriedades físicas e microestrutura

Extractivism mineral is considered an activity highly degrading, due to the large volume of material that he moves in the form of ore and residues. The vast majority of mining companies do not show any technology or economically viable application that will allow the recycling of mineral residue, these being launched in areas receiving located the "open skies" degrade the environment. In Rio Grande do Norte to the production of ceramic red restricts their activities to the production of products such as: solid bricks, ceramic blocks, tiles, among others. Seeking to unite experiences and technical information that favor sustainable development, with important benefits to the construction sector and civil society in general, the present work studies the incorporation of the residue of scheelite in ceramic matrix kaolinitic, coming from the municipality of Boa Saúde - RN, in percentage of 5 %, 10 %, 20 %, 30% 40% and 50 %, by evaluating its microstructure, physical properties and formulation. The raw materials were characterized through the trials of X ray fluorescence, Diffraction of X rays, Differential Thermal Analysis and Termogravimetric Analysis. The samples were formed and fired at temperatures of 850o, 900o, 1000o, 1050o, 1100o, 1150o and 1200 oC, with isotherm of 1 hour and heating rate of 10 oC/min. Assays were performed technological of loss to fire, Water Absorption, Apparent Porosity, Apparent Density, Mass Loss in Fire and Bending Resistance; in addition to the Scanning Electron Microscopy, analyzing their physical and mechanical properties. The use of residue of scheelite in ceramic mass kaolinitic provided a final product with technological properties that meet the technical standards for the production of bricks and roofing tiles, with the percentage of 20% of waste that showed the best results

Correlações nos dfa de diversos perfis geológicos. estudo de caso: Bacia de Campos - RJ

This work aims to study the fluctuation structure of physical properties of oil well profiles. It was used as technique the analysis of fluctuations without trend (Detrended Fluctuation Analysis - DFA). It has been made part of the study 54 oil wells in the Campo de Namorado located in the Campos Basin in Rio de Janeiro. We studied five sections, namely: sonic, density, porosity, resistivity and gamma rays. For most of the profiles , DFA analysis was available in the literature, though the sonic perfile was estimated with the aid of a standard algorithm. The comparison between the exponents of DFA of the five profiles was performed using linear correlation of variables, so we had 10 comparisons of profiles. Our null hypothesis is that the values of DFA for the various physical properties are independent. The main result indicates that no refutation of the null hypothesis. That is, the fluctuations observed by DFA in the profiles do not have a universal character, that is, in general the quantities display a floating structure of their own. From the ten correlations studied only the profiles of density and sonic one showed a significant correlation (p> 0.05). Finally these results indicate that one should use the data from DFA with caution, because, in general, based on geological analysis DFA different profiles can lead to disparate conclusions

Modificações na produtividade e nas características físicas e químicas da madeira de Eucalyptus grandis causadas pela adubação com lodo de esgoto tratado

O Eucalyptus grandis é uma das espécies mais cultivadas no Brasil devido à sua produtividade e qualidade da madeira. Avaliaram-se o efeito da aplicação de lodo de esgoto tratado (0 a 40 t ha-1 base seca) e uma dose de adubo mineral nos atributos físicos e químicos da madeira de Eucalyptus grandis de árvores com cinco anos de idade, no Município de Itatinga, São Paulo, Brasil. O tipo de solo foi caracterizado como Latossolo Vermelho-Amarelo Distrófico (argila = 120 g kg-1 na camada de 0-20 cm) e o clima, como mesotérmico úmido (Cwa), segundo a classificação de Köeppen. O delineamento experimental foi o de blocos ao acaso, com seis tratamentos e quatro repetições. O diâmetro à altura do peito (DAP), a altura das árvores e o volume de madeira foram obtidos em todas as parcelas de oito árvores com DAP na classe de maior freqüência. As caracterizações físicas e químicas da madeira foram realizadas de acordo com as normas da ABTCP, TAPPI e ABNT. O lodo de esgoto diminuiu a densidade básica da madeira, mas não afetou os teores de celulose, lignina, extrativos e o poder calorífico da madeira. O decréscimo de densidade da madeira pela adubação com lodo de esgoto foi compensado pela maior produtividade de madeira.

Voleibol infanto-juvenil brasileiro: Somatotipia, qualidades físicas e marcadores genéticos dos atletas em diferentes níveis de qualificação esportiva

The elaboration of profiles with characteristics that can be parameters in the different categories of sports modalities and the investment in scientific studies have revealed a significant importance in the development of new generations of athletes. Based in the exposed, the purpose of this study was to identify and compare the somatotype characteristics, physical qualities and genetic markers of Brazilian male volleyball players in the 14-17 category playing at different levels (international, national and regional). We used a scale, stadiometer, pachymeter, and adipometer to evaluate somatotype, attack and block reach test, medicine ball toss, 30-meter agility test , the AAHPER -30 test to evaluate basic physical qualities and the dermatoglyphic method to identify genetic markers. The results show the superiority of the national team over the other squads in the somatotype component (ectomorphy), and in the level of basic physical qualities. We found no significant difference in genetic markers among the teams studied. We conclude that Brazilian volleyball players at different performance levels have characteristics peculiar to the sport, with height and physical qualities being significantly different among these teams. The results confirm de necessity of knowing the athletes specific characteristics when dealing with high performance teams using nutrition, medicine, physiology and genetics specific knowledges to achieve a better sportive development

Marcas dermatoglíficas, Antropometria e as qualidades físicas básicas dos escolares da rede municipal da cidade de Manaus

The objective of this study of comparative descriptive character went aimed at to analyze the characteristics dermatoglyphics, anthropometrics and the basic physical qualities, in 180 selected scholars in a stratified way, distributed like this: 10 year-old boys = 32; 09 years = 32; 08 years = 32; 10 year-old girls = 28; 09 years = 28; 08 years = 28), studying the fundamental teaching of the School Good Municipal Hope, located in the area east, in the Neighborhood of the Crowned, in the city of Manaus, Amazon. For identification of the dermatoglyphics characteristics collected, was the fingerprints; for evaluation of the corporal mass, height and IMC, they were used a digital scale with an estadiometer of the mark Filizola. The tests: to sit down and to reach flexibility); Horizontal Impulse or I jump in distance stopped (force of inferior members); Flex and extension of the trunk (it Forces abdominal); Flexion and extension of the arms in suspension in the bar (Force of superior members); 30 meters (Speed) and 9 minutes (Resistance applied aerobic) was to evaluate the basic physical qualities. The results demonstrated that differences didn't exist among the goods, in most of the studied variables, and the existent differences among the ages of 8, 9 and 10 years, they demonstrate a normality tendency in the infantile development

Dança Folclórica: um estudo das qualidades físicas básicas em universitários de diferentes níveis técnicos

Health and life quality can be preserved and improved by the regular practice of physical activity. Sedentarism is an undesirable condition and represents risk for the health. This study has as objective to analyze the caloric cost and the basic physical qualities in college students of different technical levels. The research was descriptive and applied to 35 students, volunteers, from 19 to 34 years old, from both sexes, participants of the Dance Body of State University of Piauí, in the city of Teresina, in the activities of folkloric dance and walking. The caloric cost was evaluated with the accelerometer Caltrac 100/100 Plan, the basic physical qualities through the sitting and reaching test (flexibility); the vertical impulsion test, crouch (inferior members strength); the abdominal test (located muscular resistance); and the Burpee test (motor coordination). The participants were separated in two groups according to their time of practice: group 1 (beginners), group 2 (advanced). The parametric tests t by Student and correlation by Pearson were used, observing a significance p<0,05 in the sense of comparing the observed results, which showed that there are no significant differences between the two groups of students, according to the time of practice, in which concerns the caloric cost. The results of Strength, Resistance and Co-ordination test did not differ so much between the two groups. On the other hand, in the variable flexibility significant differences were observed (sig.p = 0,0022 << 0,05) between the observed groups, being Group 1 (31,5 ± 6,3) meaningfully less than Group 2 (38,1 ± 4,9), which constitutes a difference of about 21%. Such results present relations of caloric cost compensation between the studied groups, the motivation to the beginners group and flexibility to tne advanced group, justifying the lack of significant distinctions. In this sense the folkloric dance, as a physical activity, appears to be efficient, for significant co-relations are still noticed between the caloric cost levels of the dance with the walking, besides not presenting expressive differences between them.

Marcadores genéticos, antropometria e qualidades físicas básicas nos estágios maturacionais de nadadores paraibanos

The aim of this research was to analyse genetic markers, anthropometry and basic physical qualities in the differret stages of sexual maturation in swimmers in Paraíba. It is characterised as a descriptive cross sectional study. The sample was composed of 119 swimmers (males) that were divided among the stages of sexual maturation, from 7 to 17,9 years of age. They were associated to a local federation, the Confederação Brasileira de Desportes Aquáticos. The tests used were: genetic markers dermatoglyphics; Anthropometry body mass, stature, arm span, fat percentage and somatotype; physical qualities speed tests (25 meters crawl), strength (vertical jump) to inferior limbs, verarm throwing arremesso of a 2kg medicineball to superior limbs and abdominal), resistence (12 minutes to swimming), agility (he multistage 20-meter shuttle run test), flexibility (sit and reach test ) and coodination (stroke index); power of swimming (mean velocity in 25 meters mutiplied by body mass) and the self assessment of the sexual maturation supervised by a pediatric specialist. In the analyses we used the test normality of Shapiro-Wilk, then, we used ANOVA- one way followed by Post-Hoc test of Scheffé. The data showed in dermatogliphics a genetic tendence to velocity (L>W) with a predominance of the meso-ectomorphic somatotype profile; in relation to the physical qualities there was an evolution of the results in every stage due to the antropometric variables, except in the coordination tests. There were no significative differences between the stages. We conclude that swimming in Paraíba is composed of a signicative number of velocists with a mesomorph somatotype profile and low fat percentage, and that made it posssible to us to recomend that the trainings must be individual and according to personal characteristics of each athlete, and that the used variables must be specific for every region of the country. This dissertation presents a relation of multidiciplinar interface and its content has an application in Physical Education and Medicine

Características físicas, somatotipo e desempenho de corredores de 100 e 400 metros no Rio Grande do Norte

Objective: The aim of the study was to investigate physical characteristics and to examine association between somatotype and performance in collegiate runners of 100 m and 400 m. Methods: The sample, male runners (n=39) competing at the regional level in the state of Rio Grande do Norte, Brazil, had height, body mass, skinfolds, limb circumference and skeletal breadths measured. Then, the somatotype was calculated by Health-Carter method. Races (100 m and 400 m) were held to assess athletic performance. Descriptive statistics were calculated for the total sample, as well as for the 100 m and 400 m groups, and established four subgroups, named quartiles. For analysis between groups of runners (100 m x 400 m) was used Student's t test for independent samples. To examine the relationship between the race times and anthropometric variables, was used the Pearson correlation test. The somatotype dispersion distance and somatotype spatial distance were calculated among subgroups. One-way analysis of variance, the Wilcoxon test followed of Tukey post test, and correlation analysis were used with a significance level of p<0.05. Results: Somatotype with mesomorphy and ectomorphy dominance was exhibited by 100 m and 400 m athletes. Endomorphy was low in both groups, especially in 400m runners, who had more elongated body types than 100 m runners. When separately compared by athletic performance quartile, 100 m sprinters of better qualifications (G100-G1) had somatotype with dominant mesomorphy, whereas 400 m runners had somatotype with dominant ectomorphy. A significant correlation (r = -0.55, p=0.008) between calf circumference and 100 m race times was observed showing the importance of muscularity, whereas a significant correlation was found between height and 400 m race times (r = -0.53, p=0.02) showing the importance of linearity. Conclusion: Runners of 100 and 400 may show differences in physical characteristics, depending on the level of athletic performance. Anthropometric periodic evaluations may help in the training process of these athletes. However, more specific assessment parameters should be taken into account, because somatotype by itself has not power to predict whether an individual will succeed in racing speed

Estudo da correlação das características dermatoglífica e somatotípica com as qualidades físicas das atletas de voleibol da Seleção Infanto-juvenil do Estado do Rio Grande do Norte

The purpose of the present study is to identify the dermatoglyphic and somatotypic characteristics and the physical qualities of athletes from the under-17 State volleyball team, in Rio Grande do Norte, Brazil. The sample was composed of athletes, n = 14, aged 15.0 ± 0.88 years, weight (Kg) 58.3 ± 5.90 and height (cm) 169.4 ± 7.97, members of the referred team. For data collection Cummins & Midlo s (1942), o dermatoglyphic method and Heath & Carter s (1967) somatotypic method were used and to evaluate physical qualities, 2400m, 50m, Shuttle Run, abdominal , Sargent test and medicine-ball toss were performed. Fingerprints show that the group presents genetic predisposition for the following physical qualities: explosive force and velocity. As to somatotype, the group was endo-ectomorphic. At physical evaluation the group presented low Vo2 max values and reasonable levels of explosive force, local muscular endurance, agility and velocity. We conclude that: according to the dermatoglyphic model observed, the group needs training strategies to improve coordination and agility; somatotype reveals the necessity for reducing fat levels and increasing muscular mass; the evaluation of physical qualities demonstrates the need for better physical preparation. This study traces the profile of the under-17 volleyball player from Rio Grande do Norte, with respect to genetic and somatotypic aspects and physical qualities, which will serve as a parameter for future state teams

Abordagem multivariada envolvendo características físicas e morfológicas do sêmen bovino, idade dos touros e época de colheita de sêmen

Avaliaram-se as relações entre características físicas e morfológicas do sêmen de bovinos das subespécies Bos taurus taurus e Bos taurus indicus com a idade dos touros e a época de colheita do sêmen. Utilizaram-se observações feitas durante o período de 1993 a 1999, em 42 touros com 12 a 174 meses de idade, divididos em cinco classes: Bos taurus taurus - 12 a 36 meses; 37 a 60 meses; 61 a 84 meses; 85 a 108 meses; e 109 a 138 meses; e Bos taurus indicus - 12 a 42 meses; 43 a 72 meses; 73 a 102 meses; 103 a 132 meses; e 133 a 174 meses. As características analisadas foram: volume, turbilhonamento espermático, concentração espermática, motilidade espermática, vigor espermático, anormalidades espermáticas e integridade do acrossoma. No processamento das análises, utilizaram-se as médias das características em cada classe de idade e o mês de colheita de sêmen durante o período de 1993 a 1999. As técnicas estatísticas multivariadas de componentes principais e de agrupamento hierárquico mostraram resultados que podem contribuir na escolha de sêmen de melhor qualidade. As classes 103 a 132 meses e 133 a 174 meses para a subespécie Bos taurus indicus e a classe de idade 109 a 138 meses para a subespécie Bos taurus taurus foram as mais contrastantes. Para ambas as subespécies, nos meses mais úmidos, o sêmen apresentou menor qualidade, principalmente na subespécie Bos taurus taurus. As características do sêmen mais contrastantes no estudo por classes e no período de coleta de sêmen foram: vigor espermático, motilidade espermática, concentração espermática, integridade do acrossoma e anormalidades terciárias no sêmen.

Efeito da idade do touro e do período de colheita de sêmen sobre as características físicas e morfológicas do sêmen de bovinos de raças européias e zebuínas

Este trabalho foi realizado com o objetivo de avaliar o efeito da idade de touros europeus e zebuínos e do período de colheita do sêmen sobre as características físicas e morfológicas do sêmen desses animais produzido em uma central de inseminação no período de 1993 a 1999. Os dados de produção de sêmen dos touros foram agrupados em cinco classes de idade (12 a 36 meses, 37 a 60 meses, 61 a 84 meses, 85 a 108 meses e 109 a 142 meses) e quatro períodos de colheita (período 1: dezembro a fevereiro; período 2: março a maio; período 3: junho a agosto e período 4: setembro a novembro). As classes de idade determinaram diferenças significativas no volume, turbilhonamento espermático, nas anormalidades primárias, secundárias, terciárias e totais, na integridade de acrossoma e na quantidade média de doses por ejaculado, cujos valores foram maiores nos zebuínos no período 4 (setembro a outubro). As maiores porcentagens de anormalidades totais, nas duas subespécies, foram observadas nos animais mais jovens (12 a 36 meses) e nos mais velhos (109 e 142 meses). Os zebuínos mais velhos produziram sêmen mais concentrado e maiores quantidades médias de doses por ejaculado. em touros europeus, o sêmen menos concentrado e as maiores porcentagens de anormalidades espermáticas foram observadas no período 1 (dezembro a fevereiro), consequentemente, menores quantidades de doses de sêmen por ejaculado foram produzidas por essa subespécie, o que pode ter sido um efeito do estresse calórico sofrido por estes animais antes da colheita de sêmen. A idade e o período de colheita influenciam na qualidade do sêmen de touros doadores mantidos em regime de colheita para comercialização.