O impacto nos requisitos de capital de uma seguradora através da implementação de uma nova politica de resseguro

Neste projeto pretende-se explicar qual a importância que uma política de resseguro, adotada por uma empresa de seguros, no contexto do Solvência II. O desenvolvimento dessa política pretenderá ajudar a Seguradora a escolher os parâmetros contratuais de resseguro mais favoráveis à empresa, assim como definir quantos e por quais Resseguradores deverá optar nos tratados de resseguro, procurando criar uma nova política de resseguro que tenha um impato diminuto nos riscos de subscrição e de contraparte, ao mesmo tempo que garanta um retorno adequado para Companhia. A escolha das melhores soluções de resseguro serão efetuadas tendo em conta o menor custo na sua contratação e a otimização nos requisitos de capital face à necessidade de subscrição de novos negócios. Será neste ponto que se irá abordar o efeito que o risco de subscrição terá nos requisitos de capital através da criação de cenários, que terão por base a alteração de vários parâmetros. Esta análise mais específica será efetuada pela primeira vez nesta Seguradora. Os cenários criados terão em vista vários aspetos para a Seguradora, desde a otimização do custo de resseguro ao crescimento da sua carteira face ao seu apetite ao risco, através da alteração nos seus tratados de resseguro, mais especificamente nos seus parâmetros. Estas novas alterações pretendem ter impato mais favorável na sua margem de solvência face às anteriores políticas de resseguro implementadas. Em suma, pretende-se desenvolver uma nova política de resseguro que ajude a Seguradora a otimizar os seus riscos de subscrição e de contraparte, tendo em conta as análises e conclusões identificadas por cada cenário e determinar qual será o efeito nos requisitos de capital no âmbito do Solvência II.

Determinantes de una politica de densificacion urbana

Tesis (Maestria en Ciencias para la Planificacion de Asentamientos HUmanos) U.A.N.L

La herencia medieval : economía, sociedad, politica

UANL

constitución politica del estado libre, soberano é independiente de Querétaro Arteaga

UANL

Politica para corregidores, y señores de vassallos, en tiempo de paz, y de guerra : y para juezes eclesiasticos y seglares.

UANL

Politica indiana

UANL

Emblemata centum regio-politica : ligneis laminis affabre calata, vividisque et lamitatis carmibus explicita ; & singularibus commentariis affatim illustrata

UANL

La sopa de los conventos o sea tratado de economía politica en estilo joco-serio acerca de los obstaculos tradicionales en nuestro país

UANL

Compendio de la historia romana, politica y literaria

UANL

Towards an inculturated african communal model of ecclesia : clergy-laity collaborative ministry in Igboland of Southern Nigeria

Thèse numérisée par la Division de la gestion de documents et des archives de l'Université de Montréal

Narrating violence and the nation in Nigeria in the fiction of Anthonia Kalu and Sefi Atta

Mémoire numérisé par la Division de la gestion de documents et des archives de l'Université de Montréal

The status and barriers to the implementation and continuation of the school gardening projects in Germany, Nigeria and the United States of America

In drawing a conclusion for this study, care must be taken in generalizing findings since the population of students and teachers investigated were limited to certain levels in the different schools and countries. This study recognized some complexity of the factors underlying the status of school gardening instruction and activities in Germany, Nigeria and the U.S. as inadequate time for decision-making in the process of gardening, motivation of teachers and students. This was seen as the major impediments that influenced the status of gardening in the three countries. However, these factors were considered to have affected students’ mode of participation in the school gardening projects. This research finding suggests that the promotion and encouragement of students in gardening activities will promote vegetable production and increasing the numbers of practical farmers. Gardening has the potential to create opportunities for learning in an environment where children are able to experience nature first hand and to use the shared experience for communication (Bowker & Tearle, 2007). Therefore, the need for students to be encouraged to participate in gardening programs as the benefit will not only reduce the rate of obesity currently spreading among youths, but will contribute to the improve knowledge on science subjects. To build a network between community, parents and schools, a parent’s community approach should be used as the curriculum. The community approach will tighten the link between schools; community members, parents, teachers and students. This will help facilitate a better gardening projects implementation. Through a close collaboration, teachers and students will be able to identify issues affecting communities and undertake action learning in collaboration with community organizations to assess community needs and plan the implementation strategies as parents are part of the community. The sense of efficacy is a central factor in motivational and learning processes that govern educational improvement, standard and performance on complex tasks of both teachers and students. Dedication and willingness are the major stimulator and achievement of a project. Through a stimulator and provision of incentives and facilities, schools can achieve the best in project development. Teachers and principals should be aware that students are the lever for achieving the set goals in schools. Failure to understand what students need will result in achieving zero result. Therefore, it is advised that schools focus more on how to lure students to work through proper collaboration with the parents and community members. Principals and teachers should identify areas where students need to be corrected, helping them to correct the problem will enable them be committed in the schools’ programs.

Effect of rural transportation system on agricultural productivity in Oyo State, Nigeria

Food farming in Oyo North, Nigeria is characterised by an increasing use of Intermediary Mode of Transportation (IMT) to ease inputs and outputs mobility and farm access. To assess the influence on food farmer’s productivity, a random sample of 230 respondents was selected and data collected on their socio-economic and farm specific characteristics. Descriptive statistics, Herfindhal Index and Technical Efficiency Approach were used to analyse the data. The results indicate that majority of food farmers were in their middle age with mean age of 50 years and most of them used one plot at a location between 5 and 10km to their village of residence. They acquired land by inheritance and practiced intensive crop diversification as risk management strategy. The transportation modes used in addition to walking include bicycle, motorcycle, and car with increasing trend in the use of motorcycle. The mean Technical Efficiency (TE) of food farmers was 0.82 with significant inefficiency effects. The inefficiency analysis indicates positive effect of distance, crop diversification and un-tarred type of road on farmer’s productivity, while poor level of education among farmers, use of bicycle; trekking and weekly working time negatively affect farmer’s efficiency. The negative effect of trekking and use of bicycle and the excess working time suggest the adoption of more IMT of motorized type to optimize farming time and increase farmer’s productivity.

Determinants of climate change adaptation strategies used by rice farmers in Southwestern, Nigeria

Poor adaptation to climate change is a major threat to sustainable rice production in Nigeria. Determinants of appropriate climate-change adaptation strategies used by rice farmers in Southwestern Nigeria have not been fully investigated. In this study, the determinants of climate change adaptation strategies used by rice farmers in Southwestern Nigeria were investigated. Data were obtained through Focus Group Discussions (FGDs) and field survey conducted in the study areas. Data obtained were analyzed using descriptive and inferential statistical tools such as percentage and regression analysis. The major climate change adaptation strategies used by the respondents included; planting improved rice variety such as Federal Agricultural Research Oryza (FARO) (80.5 %), seeking early warning information (80.9 %), shifting planting date until the weather condition was favourable (99.1 %), and using chemical fertilizer on their farms in order to maintain soil fertility (20.5 %). The determinants of climate change adaptation strategies used by the farmers, included access to early warning information (β=43.04), access to fertilizer (β=5.78), farm plot size (β=–12.04) and access to regular water supply (β=–24.79). Climate change adaptation required provision of incentives to farmers, training on drought and flood control, and the use of improved technology to obtain higher yield.