Aseguramiento para la población pobre: una herramienta de protección financiera

La financiación de los sistemas de salud en los países en desarrollo mediante esquemas de aseguramiento, presenta el desafío estructural de la informalidad de los mercados laborales. Ni el esquema de financiamiento comunitario ni el del subsidio a la oferta, parecen ofrecer una garantía de acceso a los grupos más vulnerables. Pero la extensión de esquemas de seguro subsidiado también implica mayores presiones sobre el gasto social. Este artículo es una revisión de la literatura sobre el tema, en el cual se revisan experiencias internacionales de los tipos mencionados, y se analiza su relevancia para Colombia.

Derecho administrativo y autorregulación: la autorregulación regulada

El objeto de esta tesis es el análisis de la autorregulación regulada, es decir, el análisis de las normas y de los controles privados que poseen relevancia para el Derecho público. A pesar de su aparente desvinculación con el Derecho Administrativo, la autorregulación es una tendencia que se percibe cada vez con mayor nitidez; es, claramente, un fenómeno que se asocia principalmente al uso de nuevas tecnologías, pero que desborda con mucho este ámbito. La autorregulación es una noción directamente relacionada con la transformación de las formas de gobernanza impulsada desde la Unión Europea; es una nueva técnica o instrumento que las normas jurídico-públicas, a través de numerosas remisiones a la autorregulación, ponen en manos de la administración para gestionar los fines que ésta tiene encomendados. Existe, sin embargo una clara disociación entre las esperanzas puestas en la autorregulación y la falta de respuestas que ofrece el derecho positivo. Un análisis exhaustivo de la jurisprudencia y de la legislación que utilizan la voz "autorregulación" me ha llegado a concluir que este vocablo es en nuestro ordenamiento, un "término sin concepto". En esta fuentes se asimila la "autorregulación" con la capacidad de autonormación de un sujeto. Es el derecho comunitario el que la autorregulación como una alternativa o un complemento a la desreglamentación estatal y como una manifestación de un traslado de funciones y responsabilidades públicas a la sociedad. Por influencia del Derecho comunitario, el legislador pretende, a través de la autorregulación, alcanzar dos finalidades aparentemente contradictorias: (a) facilitar la función de garante que tiene atribuida el Estado, mediante una intervención más extensa i más intensa en las actividades privadas; (b) hacer efectivo los objetos propuestos con la desregulación, mediante una contención del ejercicio de la potestad reglamentaria y una disminución de los controles, preventivos o represivos, realizados directamente por la Administración. Para salvar esta contradicción, es necesario que el legislador establezca una regulación adecuada de la autorregulación. Dicha regulación es, hoy por hoy, manifiestamente insuficiente. Deberían fijarse con carácter general -y no sólo puntualmente y por sectores- las medidas adecuadas para el fomento de la autorregulación; los efectos públicos que ésta posee en cada caso y, significativamente, las garantías y controles necesarios para contrarrestar tales efectos. Esto es, los principios que rigen la actividad administrativa deberían ser aplicados también a la autorregulación en aquellos casos en los que sus diversas manifestaciones poseen efectos similares a los que son propios de los reglamentos, las inspecciones o las sanciones administrativas. Esta propuesta deja abierta la cuestión acerca de la incidencia recíproca de ambas técnicas; esto es , la incidencia de la regulación pública en la autorregulación de origen privado y, a la inversa, el impacto del desarrollo de la autorregulación regulada en el ejercicio de las potestades reglamentaria, autorizatoria, y sancionadora de la Administración. Esta cuestión sólo puede ser contestada hoy caso por caso, de modo que la respuesta es distinta si se analiza una norma técnica, un código ético, un manual de buenas prácticas, una certificación privada del cumplimiento de normas técnicas, el ejercicio de la potestad disciplinaria privada o el arbritaje. De lo que no cabe duda alguna es que ni la autorregulación es sólo una actividad de interés privado, ni la regulación pública conserva hoy sus rasgos tradicionales.

Valores de trabalho, satisfação global com o trabalho e satisfação com a vida : um estudo exploratório das diferenças sócio-demográficas em institutos de saúde

Foram objetivos do presente estudo proceder à análise das relações entre Valores de trabalho, Satisfação no trabalho e Satisfação com a vida em profissionais do sector da saúde e perceber se dimensões como antiguidade na empresa, os anos de experiência e o número de organizações, função, definição de objetivos, avaliação do desempenho, idade, escolaridade, sexo e estado civil tinham um papel nas dimensões principais do estudo. Foi recolhida uma amostra de 214 profissionais da saúde, sendo 24% do sexo masculino e com idades entre 21 e 71 anos (M=40.06; DP=10.93). Foram utilizados os instrumentos WVS (Schwartz, 1994), QSGT (Hackman & Oldham, 1975) e SWLS (Diener, 1984). Os resultados mostraram que existe uma relação positiva entre a satisfação na vida e a satisfação no trabalho; que quanto mais elevados eram os valores de trabalho Poder, Realização, Hedonismo, Estimulação, Auto direção, Benevolência, Conformismo e Segurança, maior era a Satisfação no trabalho; que quanto mais elevados são os valores de trabalho Poder, Realização, Hedonismo, Estimulação, Auto direção, Universalismo, Benevolência, Tradição, Conformismo e Segurança maior era a Satisfação com a vida; e que existem diferenças entre sexos, idade, estado civil e escolaridade ao nível dos valores de trabalho. Contudo, apesar da satisfação com a vida ser influenciada pela satisfação no trabalho e pelos valores de trabalho, estas dimensões, por si só, não explicam fortemente a satisfação com a vida.

Os Coveiros enquanto Recursos Humanos

A presente dissertação consiste num trabalho de investigação, descritivo e exploratório, cujo objetivo é o estudo da profissão de coveiro no universo dos recursos humanos - a sua profissão, formação, sentimentos e perspetiva inerente ao novo paradigma da cremação. Começou por se abordar as dificuldades surgidas durante a elaboração do trabalho e que, fundamentalmente, se relacionavam com a falta de informação e o tabu e preconceito social que o tema da morte ainda provoca na sociedade atual. Seguidamente, elaborou-se um enquadramento teórico e histórico sobre o nascimento dos cemitérios, baseado em referências bibliográficas, com o intuito de melhor compreender a necessidade da existência da profissão de coveiro. Posteriormente, foi realizada uma análise cuidada e rigorosa aos dados recolhidos durante o trabalho de investigação, abordando os aspetos qualitativos e demográficos para, deste modo, se proceder à caraterização do perfil do coveiro, enquanto profissional. Recolheram-se opiniões junto da hierarquia (chefias) e dos clientes (famílias dos defuntos), de forma a construir uma ideia mais coesa da profissão de coveiro. Para a um melhor entendimento da atividade profissional em estudo, realizou-se ainda uma entrevista aos responsáveis da Servilusa, entidade formadora neste sector, aprofundando deste modo, as boas práticas e se perceber como funciona este setor de atividade terciária. Solicitaram-se esclarecimentos aos responsáveis dos Alcoólicos Anónimos (AA), com o intuito de aprofundar os conhecimentos em torno do problema do alcoolismo nesta profissão, de forma a opinar sobre esta matéria de uma maneira mais rigorosa e responsável. Realizou-se ainda uma abordagem sobre a cremação como um novo paradigma que poderá, de certo modo, pôr em causa o futuro da função do coveiro e respetiva categoria profissional. Como conclusão, sugeriram-se soluções que visam a melhoria da situação profissional dos coveiros, do seu bem-estar e condições de trabalho, tendo o presente trabalho culminado com a criação de um código de ética, na implementação da avaliação de desempenho, atribuição da carreira de coveiro e respetivas categorias, assim como na atualização de conhecimentos e melhoria de competências profissionais e pessoais, com o recurso à formação profissional.

Planeamento estratégico de sistemas de informação em empresa de construção

Os Sistemas de Informação têm influenciado a vida quotidiana a um ritmo inesperado e com mudanças significativas na setor da construção, cuja importância é crucial para a economia de qualquer país. Sendo Angola, um país de economia emergente, caracterizado por um mercado em expansão e reestruturação, onde as decisões de Sistema Informação ainda são tomadas de forma isolada, e cada vez mais investidores estão a atuar no país, impulsionando o crescimento, é imperioso para o sector a identificação e exploração de Sistemas de Informação flexíveis e adaptáveis para fazer face as forças competitivas do setor. Partindo desta envolvente a presente dissertação visa ressaltar o reconhecimento da importância do Planeamento Estratégico de Sistemas de Informação-PESI para as organizações atuais. Neste contexto realizou-se o estudo de PESI em torno de um caso concreto numa Pequena Media Empresa, Angolana, a Terponte,SA, cujo objectivo é fornecer a construtora um plano em termos de SI para futuro. Os dados foram recolhidos através da utilização dos métodos qualitativos e quantitativos, sendo os mais pertinentes a análise documental, observação direta, entrevistas, questionários aos órgãos da empresa em estudo e demais intuições. A análise dos dados demonstrou uma deficiente gestão da informação, bem como inexistência de integração aplicacional. A presente dissertação pretende contribuir para o avanço do conhecimento científico no domínio do Planeamento Estratégico dos Sistemas de Informação e para a resolução de problemas específicos nomeadamente nas empresas do setor da construção civil.

A new perspective on blocking

It is argued that the essential aspect of atmospheric blocking may be seen in the wave breaking of potential temperature (θ) on a potential vorticity (PV) surface, which may be identified with the tropopause, and the consequent reversal of the usual meridional temperature gradient of θ. A new dynamical blocking index is constructed using a meridional θ difference on a PV surface. Unlike in previous studies, the central blocking latitude about which this difference is constructed is allowed to vary with longitude. At each longitude it is determined by the latitude at which the climatological high-pass transient eddy kinetic energy is a maximum. Based on the blocking index, at each longitude local instantaneous blocking, large-scale blocking, and blocking episodes are defined. For longitudinal sectors, sector blocking and sector blocking episodes are also defined. The 5-yr annual climatologies of the three longitudinally defined blocking event frequencies and the seasonal climatologies of blocking episode frequency are shown. The climatologies all pick out the eastern North Atlantic–Europe and eastern North Pacific–western North America regions. There is evidence that Pacific blocking shifts into the western central Pacific in the summer. Sector blocking episodes of 4 days or more are shown to exhibit different persistence characteristics to shorter events, showing that blocking is not just the long timescale tail end of a distribution. The PV–θ index results for the annual average location of Pacific blocking agree with synoptic studies but disagree with modern quantitative height field–based studies. It is considered that the index used here is to be preferred anyway because of its dynamical basis. However, the longitudinal discrepancy is found to be associated with the use in the height field index studies of a central blocking latitude that is independent of longitude. In particular, the use in the North Pacific of a latitude that is suitable for the eastern North Atlantic leads to spurious categorization of blocking there. Furthermore, the PV–θ index is better able to detect Ω blocking than conventional height field indices.

The potential for high performance design adoption in retail property portfolios

Growing legislative pressures and increasing stakeholder awareness of environmental issues are pushing the property market to consider high-performance, low-impact retail buildings. The office sector is relatively advanced in its apparent appreciation of such buildings; however, the retail sector is slow to recognize these benefits. In exploring the business case for high-performance design adoption in the retail sector, this paper examines the overlaps between office and retail sector benefits and considers the potential benefits peculiar to retailers. Barriers to high-performance design adoption are then addressed through case research, interviews with key representatives from the retail property market and a questionnaire survey of FTSE listed retail company property departments. The paper concludes that information gaps are a significant hindrance to high-performance property development and that they can be reduced, to some extent, by the forthcoming introduction of the BREEAM Retail environmental assessment tool. Copyright © 2003 John Wiley & Sons, Ltd and ERP Environment.

Avoidance responses of an aphidophagous ladybird, Adalia bipunctata, to aphid-tending ants

1. Insect predators often aggregrate to patches of high prey density and use prey chemicals as cues for oviposition. If prey have mutualistic guardians such as ants, however, then these patches may be less suitable for predators. 2. Ants often tend aphids and defend them against predators such as ladybirds. Here, we show that ants can reduce ladybird performance by destroying eggs and physically attacking larvae and adults. 3. Unless ladybirds are able to defend against ant attacks they are likely to have adaptations to avoid ants. We show that Adalia bipunctata ladybirds not only move away from patches with Lasius niger ants, but also avoid laying eggs in these patches. Furthermore, ladybirds not only respond to ant presence, but also detect ant semiochemicals and alter oviposition strategy accordingly. 4. Ant semiochemicals may signal the extent of ant territories allowing aphid predators to effectively navigate a mosaic landscape of sub-optimal patches in search of less well-defended prey. Such avoidance probably benefits both ants and ladybirds, and the semiochemicals could be regarded as a means of cooperative communication between enemies. 5. Overall, ladybirds respond to a wide range of positive and negative oviposition cues that may trade-off with each other and internal motivation to determine the overall oviposition strategy.

Persistence of UK Real Estate returns: a Markov chain analysis

The persistence of investment performance is a topic of perennial interest to investors. Efficient Markets theory tells us that past performance can not be used to predict future performance yet investors appear to be influenced by the historical performance in making their investment allocation decisions. The problem has been of particular interest to investors in real estate; not least because reported returns from investment in real estate are serially correlated thus implying some persistence in investment performance. This paper applies the established approach of Markov Chain analysis to investigate the relationship between past and present performance of UK real estate over the period 1981 to 1996. The data are analysed by sector, region and size. Furthermore some variations in investment performance classification are reported and the results are shown to be robust.

Becoming poverty focused: implications for health actors

The article explores the relationship between health sector interventions and poverty analysis. It is suggested that a dynamic asset approach to poverty and health provides a framework for intervention that recognizes the complex strategies adopted by poor individuals, households and communities. The linked nature of the asset approach leads to an inter-sectoral focus and provides extra stimulation to engage with diverse partners who may be slow to own poverty reduction and health policies.

Green marketing in housing: reality or rhetoric?

All new homes in the UK will be required to be zero carbon from 2016. Housing sector bodies and individual housing developers are championing a transition from traditional marketing to green marketing approaches to raise consumer awareness of the benefits of low and zero carbon homes. On-site sales teams on housing developments form a central interface between the developer and potential buyers. These teams, then, have a critical role in the success or otherwise of the developers’ green marketing strategies. However, there is a dearth of empirical research that explores the actual attitudes and practices of these teams. An exploratory case study approach was adopted. The data collection consisted of reviewing relevant company documentation and semi-structure interviews with the on-site sales teams from six housing developments. The findings from two case studies suggest that the sales teams do have potential to forge a bridge between the design / production and consumption spheres in the way that consumers understand and appreciate, but further work is required. The sales teams’ practices were constrained by the incumbent, traditional marketing logic that rotates around issues such as location and selling price. The sales teams appeared to adopt a strategy of a restriction of information about the benefits of low and zero carbon homes to not disturb the prevailing logic. Further, the sales teams justify this insulating mechanism by the argument that consumers are not interested in those benefits. This rhetoric may be driving a real wedge between the design / production and consumption spheres to the detriment of the consumer and, in the longer term, the house builder itself.

Enterprise Architecture adoption method for Higher Education Institutions

During the last few years Enterprise Architecture has received increasing attention among industry and academia. Enterprise Architecture (EA) can be defined as (i) a formal description of the current and future state(s) of an organisation, and (ii) a managed change between these states to meet organisation’s stakeholders’ goals and to create value to the organisation. By adopting EA, organisations may gain a number of benefits such as better decision making, increased revenues and cost reductions, and alignment of business and IT. To increase the performance of public sector operations, and to improve public services and their availability, the Finnish Parliament has ratified the Act on Information Management Governance in Public Administration in 2011. The Act mandates public sector organisations to start adopting EA by 2014, including Higher Education Institutions (HEIs). Despite the benefits of EA and the Act, EA adoption level and maturity in Finnish HEIs are low. This is partly caused by the fact that EA adoption has been found to be difficult. Thus there is a need for a solution to help organisations to adopt EA successfully. This thesis follows Design Science (DS) approach to improve traditional EA adoption method in order to increase the likelihood of successful adoption. First a model is developed to explain the change resistance during EA adoption. To find out problems associated with EA adoption, an EA-pilot conducted in 2010 among 12 Finnish HEIs was analysed using the model. It was found that most of the problems were caused by misunderstood EA concepts, attitudes, and lack of skills. The traditional EA adoption method does not pay attention to these. To overcome the limitations of the traditional EA adoption method, an improved EA Adoption Method (EAAM) is introduced. By following EAAM, organisations may increase the likelihood of successful EA adoption. EAAM helps in acquiring the mandate for EA adoption from top-management, which has been found to be crucial to success. It also helps in supporting individual and organisational learning, which has also found to be essential in successful adoption.

Economic Transformation in Ghana: Where Will the Path Lead?

In the context of the Ghanaian government’s objective of structural transformation with an emphasis on manufacturing, this paper provides a case study of economic transformation in Ghana, exploring patterns of growth, sector transformation, and agglomeration. We document and examine why, despite impressive growth and poverty reduction figures, Ghana’s economy has exhibited less transformation than might be expected for a country that has recently achieved middle-income status. Ghana’s reduced share of agriculture in the economy, unlike many successfully transformed countries in Asia and Latin America, has been filled by services, while manufacturing has stagnated and even declined. Likely causes include weak transformation of the agricultural sector and therefore little development of agro-processing, the emergence of “consumption cities” and consumption-driven growth, upward pressure on the exchange rate, weak production linkages, and a poor environment for private-sector-led manufacturing.

Simple Question, Complex Answer : Pathways Towards a 50% Decrease in Building Energy Use

Addressing building energy use is a pressing issue for building sector decision makers across Europe. In Sweden, some regions have adopted a target of reducing energy use in buildings by 50% until 2050. However, building codes currently do not support as ambitious objectives as these, and novel approaches to addressing energy use in buildings from a regional perspective are called for. The purpose of this licentiate thesis was to provide a deeper understanding of most relevant issues with regard to energy use in buildings from a broad perspective and to suggest pathways towards reaching the long-term savings objective. Current trends in building sector structure and energy use point to detached houses constructed before 1981 playing a key role in the energy transition, especially in the rural areas of Sweden. In the Swedish county of Dalarna, which was used as a study area in this thesis, these houses account for almost 70% of the residential heating demand. Building energy simulations of eight sample houses from county show that there is considerable techno-economic potential for energy savings in these houses, but not quite enough to reach the 50% savings objective. Two case studies from rural Sweden show that savings well beyond 50% are achievable, both when access to capital and use of high technology are granted and when they are not. However, on a broader scale both direct and indirect rebound effects will have to be expected, which calls for more refined approaches to energy savings. Furthermore, research has shown that the techno-economic potential is in fact never realised, not even in the most well-designed intervention programmes, due to the inherent complexity of human behaviour with respect to energy use. This is not taken account of in neither current nor previous Swedish energy use legislation. Therefore an approach that considers the technical prerequisites, economic aspects and the perspective of the many home owners, based on Community-Based Social Marketing methodology, is suggested as a way forward towards reaching the energy savings target.