Desarrollo de un Modelo de Gestión de Riesgo de Crédito para instituciones de microfinanzas del Ecuador

La cartera vencida en el segmento de microcrédito evidenció una tendencia creciente desde el año 2011 hasta la actualidad. Cabe señalar que factores internos y externos han contribuido en el crecimiento de dicha cartera. Adicionalmente, el crecimiento de la cartera vencida tendrá una importante afectación en la IMF en los próximos años de mantenerse dicha tendencia creciente. Esta afectación se evidenciará en el crecimiento de las provisiones y el deterioro de los indicadores de liquidez y solvencia. El alcance del presente estudio comprende la estructuración del modelo de gestión de riesgo de crédito para instituciones de microfinanzas, el cual se basa en la adopción de técnicas estadísticas discriminantes en el proceso de concesión de microcréditos. La hipótesis señala que el modelo de gestión de riesgo de crédito para IMF, el cual comprende la estructuración del scoring de crédito de comportamiento como herramienta que segmenta el mercado objetivo; la adopción de controles internos en las etapas del proceso de concesión de microcréditos (promoción, verificación y evaluación); y la adopción de la Unidad Centralizada de Aprobación permitirán administrar el riesgo de crédito en la IMF en el Ecuador. El objetivo principal es estructurar el modelo de gestión de riesgo de crédito para IMF, mismo que se adapte al contexto del mercado financiero ecuatoriano. Los objetivos secundarios se detallan a continuación: Analizar la evolución de la cartera de microcrédito en el Ecuador. Estructurar el modelo de scoring de crédito de comportamiento. Analizar debilidades en la metodología tradicional de microcrédito con el fin de implementar controles internos. Estructurar un modelo integral en la concesión de microcréditos. La metodología es un estudio bibliográfico de las mejores prácticas adoptadas en la gestión de riesgo de crédito. Adicionalmente, es una recopilación de buenas prácticas implementadas en la concesión de microcréditos en las Instituciones Financieras del Ecuador.

Identificação de oportunidades para a indústria brasileira de semicondutores através das teorias de vantagem competitiva e investimento internacional

O mercado mundial de semicondutores cresce vigorosamente ao longo de décadas impulsionado pela evolução tecnológica, que permitiu semicondutores de melhor performance a um custo relativamente menor. Entretanto os gastos com fábricas e P&D aumentam junto com a evolução da tecnologia, obrigando as empresas a controlar as métricas financeiras em busca da lucratividade necessária para financiar o desenvolvimento das novas tecnologias. O crescimento do mercado motivou vários países a fornecerem incentivos para atrair investimentos de semicondutores. Este trabalho segmenta o mercado de semicondutores de acordo com as tecnologias de espessura da pastilha de silício e utiliza as principais teorias sobre vantagem competitiva e investimento internacional, para analisar os incentivos que uma empresa de semicondutores teria para estabelecer uma fábrica de difusão de wafers e uma operação de design house no Brasil. A indústria de semicondutores brasileira está em seu estágio inicial, e existem algumas ações do governo juntamente com a iniciativa privada que apresentaram resultados positivos, entretanto é necessário reavaliar a efetividade dos incentivos oferecidos atualmente. Existe a possibilidade do Brasil atrair empreendedores para explorar oportunidades em nichos de mercado e assim iniciar a construção de uma cadeia completa de desenho, fabricação e utilização de semicondutores no Brasil. E o papel do governo será fundamental para dar o impulso inicial.

Panorama social da América Latina 2011: documento informativo

Versión en español y en inglés disponibles en Biblioteca

La organización del cuidado de niños y niñas en Argentina y Uruguay

Incluye Bibliografía

Projeto e implementação de redes neurais artificiais em distintos níveis de abstrações para o reconhecimento de deficiências de diversos macronutrientes e cultivares

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Aggregation of hybrid molecules and film formation of colloidal monolayers

A unique characteristic of soft matter is its ability to self-assemble into larger structures. Characterizing these structures is crucial for their applications. In the first part of this work, I investigated DNA-organic hybrid material by means of Fluorescence Correlation Spectroscopy (FCS) and Fluorescence Cross-Correlation Spectroscopy (FCCS). DNA-organic hybrid materials, a novel class of hybrid materials composed of synthetic macromolecules and oligodeoxynucleotide segmenta, are mostly amphiphilic and can self-assemble into supramolecular structures in aqueous solution. A hybrid material of a fluorophore, perylenediimide (PDI), and a DNA segment (DNA-PDI) has been developed in Prof. A. Hermann’s group (University of Groningen). This novel material has the ability to form aggregates through pi-pi stacking between planar PDIs and can be traced in solution due to the fluorescence of PDI. I have determined the diffusion coefficient of DNA-PDI conjugates in aqueous solution by means of FCS. In addition, I investigated whether such DNA-PDIs form aggregates with certain structure, for instance dimers. rnOnce the DNA hybrid material self-assemble into supermolecular structures for instance into micelles, the single molecules do not necessarily stay in one specific micelle. Actually, a single molecule may enter and leave micelles constantly. The average residence time of a single molecule in a certain micelle depends on the nature of the molecule. I have chosen DNA-b-polypropylene oxide (PPO) as model molecules and investigated the residence time of DNA-b-PPO molecules in their according micelles by means of FCCS.rnBesides the DNA hybrid materials, polymeric colloids can also form ordered structures once they are brought to an air/water interface. Here, hexagonally densely packed monolayers can be generated. These monolayers can be deposited onto different surfaces as coating layers. In the second part of this work, I investigated the mechanical properties of such colloidal monolayers using micromechanical cantilevers. When a coating layer is deposited on a cantilever, it can modify the elasticity of the cantilever. This variation can be reflected either by a deflection or by a resonance frequency shift of the cantilever. In turn, detecting these changes provides information about the mechanical properties of the coating layer. rnIn the second part of this work, polymeric colloidal monolayers were coated on a cantilever and homogenous polymer films of a few hundred nanometers in thickness were generated from these colloidal monolayers by thermal annealing or organic vapor annealing. Both the film formation process and the mechanical properties of these resulting homogenous films were investigated by means of cantilever. rnElastic property changes of the coating film, for example upon absorption of organic vapors, induce a deflection of the cantilever. This effect enables a cantilever to detect target molecules, when the cantilever is coated with an active layer with specific affinity to target molecules. In the last part of this thesis, I investigated the applicability of suitably functionalized micromechanical cantilevers as sensors. In particular, glucose sensitive polymer brushes were grafted on a cantilever and the deflection of this cantilever was measured during exposure to glucose solution. rn

Confronto di dati volumetrici di neuroimaging RM, acquisiti con differenti sonde a radiofrequenza

Il lavoro di questa tesi si propone di esaminare i dati di immagini cerebrali ricevuti da due differentii bobine RF per l'imaging in risonanza magnetica. La strumentazione utilizzata é: un apparecchio di RMN che utilizza uno scanner a 1.5T (GE Medical System signa HDx 15) e due differenti bobine a radiofrequenza: 1) 8-channel brain phased array coil GE (1.5T HD 8 Channel High Resolution Head Array per il GE HDx MR System); 2) GE Quad HEAD Birdcage Coil. I software utilizzati invece sono stati quattro, due per la segmentazione e la parcellizzazione dei dati dalle acquisizioni di MRI (FSL e Freesurfer), e due per l'analisi dei dati (SPSS e Microsoft Excel). I tool utilizzati di FSL sono stati SIENA, per un'indagine sulla variazione percentile della totalitá del volume cerebrale; SIENAX invece permette una segmentazione di volumi di 6 sotto regioni: sostanza grigia (GREY), sostanza bianca (WHITE), totalitá del cervello (BRAIN), liquor cerebrospinale dei ventricoli (vcsf), scaling volumetrico (vscaling), sostanza grigia periferica (pgrey). Freesurfer invece parcellizza la corteccia cerebrale e segmenta le zone della sostanza grigia profonda cerebrale. Lo scopo ultimo era quello di analizzare come la differenza di segnale acquisito dalle due bobine variasse i risultati delle analisi volumetriche delle immagini e vedere se il t-test evidenziasse variazioni sistematiche. Questa analisi aveva come scopo quello di determinare la possibilità di confrontare i soggetti i cui dati sono stati ottenuti con due bobine differenti. I dati analizzati non hanno evidenziato particolari differenze tra le due bobine, se non per i valori del liquor dei ventricoli che sono risultati variare, verosimilmente, per i processi fisiologici di atrofia della sostanza grigia cerebrale che avvengono nel tempo intercorso tra un'acquisizione e l'altra.

Quaternary and Paleogene calcareous nannofossils of ODP Leg 115

The occurrences of ten datum events for the Quaternary and top Pliocene nannofossils are identified at nine Leg 115 sites. A quantitative investigation of Paleogene nannofossils in 470 samples selected from 11 holes at 9 sites yielded 197 taxa, including one new species and 10 unidentified taxa that are likely to be new species. Regional differences in the timing of some biostratigraphically important events are recognized, and a set of datum events useful for biostratigra- phy in the tropical Indian Ocean is presented. Biogeographical differences are minor for Paleogene cores from the tropical sites (Sites 707-716); however, the Quaternary and late early Oligocene floras observed at the two subtropical sites (Sites 705 and 706) differ significantly from the corresponding floras of the tropical sites. Bathymetrically controlled dissolution is recognized by the reduction of species diversity in the Paleogene flora. Selective dissolution of nannofossils is also evidenced by the percentage reduction of three holococcolith taxa, Lanternithus minutus, Zygrhablithus bijugatus, and Holococcolith type A as well as by the increase of Coccolithus pelagicusand Cribrocentrum reticulatumin the deeper sites.

Plan de ordenamiento territorial preliminar : litoral de Río Negro, Argentina

Para la generación de un Plan de Ordenamiento territorial preliminar del Litoral de Río Negro se requiere seguir una metodología de trabajo de acuerdo a las siguientes actividades: capacitación de técnicos y profesionales de la administración pública (especialmente dirigido a la formulación de programas y proyectos ambientales), viabilidad y utilidad de estudios de impacto ambiental e integración y coordinación ínter administrativa. En segunda instancia se determina el área de estudio, la que se describe en cuanto a sus aspectos físicos naturales y en cuanto al medio antrópico (población, asentamientos, infraestructura regional y turismo). La metodología utilizada para el Plan de OT preliminar se basa en el método sintético de identificación de unidades integrales de paisaje. Para su definición se relevan en campo datos del medio físico, biológico y antrópico. Se segmenta el área de estudio para determinar unidades ambientales y unidades del paisaje presentes, se clasifican las unidades geoambientales dando lugar a una cartografía sintética y luego a una analógica. Las unidades obtenidas permiten identificar los principales conflictos y problemáticas ambientales, que son la guía utilizada para definir los criterios de ordenamiento del territorio. Toda esta información fue finalmente introducida a un SIG, dando lugar a las bases cuali y cuantitativas para plantear el Plan de ordenamiento territorial y propuestas de normativas a seguir.

Calcareous nannofossil biostratigraphy of the central East Pacific Rise

During Leg 92 of the Deep Sea Drilling Project, sediments containing calcareous nannofossils of latest Oligocene to Holocene age were recovered from 14 holes at six sites (597 to 602) along the East Pacific Rise. The combined sections yield a virtually complete record for the region, with a compressed upper Miocene to Pleistocene interval. The nannofossil content of 14 U.S.N.S. Eltanin piston cores from the study area were also examined in order to supplement data generated during Leg 92. Two taxonomically new combinations are presented: Sphenolithus umbellus and Pontosphaera segmenta. Assemblages of calcareous nannofossils juxtaposed in reversed stratigraphic order within the upper Miocene provide strong evidence for downslope transport of sediments along the East Pacific Rise during the Messinian. Narrow bands of dark metalliferous sediment of coccolith Zone CN8b alternate with normal light-colored, in situ, pelagic sequences of Zone CN9b. This may indicate more vigorous bottom current activity between 5.40 and 6.70 Ma.

Oligocene-Miocene calcareous nannofossils in ODP Leg 149 holes

During Ocean Drilling Program (ODP) Leg 149, five sites were drilled on the Iberia Abyssal Plain in the northeastern Atlantic Ocean. Both Mesozoic and Cenozoic sediments were recovered. Oligocene to Miocene sediments were cored at deepwater Sites 897, 898, 899, and 900. Except for a few intervals, occurrences of generally abundant and well-preserved calcareous nannofossils suggest that the deposition of the turbidite-type sediments occurred above the calcite compensation depth (CCD). One major unconformity in the middle late Miocene is present. Detailed quantitative analyses of calcareous nannofossils are used to determine the changes occurring among the nannoflora in relation to sea-level variation. A succession of 89 biohorizons from the early Oligocene to the late Miocene are defined by combining the biostratigraphic results of the four sites studied in the Iberia Abyssal Plain. One new genus and eight new species are described: Camuralithus, Camuralithus pelliculatus, Ericsonia detecta, Helicosphaera limasera, Sphenolithus akropodus, Sphenolithus aubryae, Sphenolithus cometa, Reticulofenestra circus, and Syracosphaera lamina. Two new variations and seven new combinations are also introduced.

Calcareous nannofossil biostratigraphy of ODP Leg 134 sites

Seven sites drilled in the central New Hebrides Island Arc during Ocean Drilling Program Leg 134 yielded varying quantities of upper Eocene through Pleistocene calcareous nannofossils. Most of the Miocene and Pliocene strata were absent from Sites 827-831 drilled along the collisional boundary between the Australia and Pacific plates where the North d'Entrecasteaux Ridge and Bougainville Guyot are being subducted. Sites 832 and 833, drilled in the intra-arc North Aoba Basin, contained upper Miocene through Pleistocene and early Pliocene through Pleistocene nannofossils, respectively. Detailed range charts displaying species abundances and age interpretations are presented for all of the sites. Despite problems of reworked assemblages, poor preservation, overgrowths and/or dilution from volcaniclastics, the nannofossil biostratigraphy delineates several repeated sections at Site 829 in the accretionary prism adjacent to Espiritu Santo Island. Paleogene pelagic sediments equivalent to those in a reference section at Site 828 appear to have been scraped from the downgoing North d'Entrecasteaux Ridge and accreted onto the forearc during the Pleistocene. Other sediments in the forearc include Pleistocene olistostromal trench-fill deposits containing clasts of various ages and compositions. Some of the clasts and olistoliths have affinities to rocks exposed on the neighboring islands and environs, whereas others are of uncertain origin. The matrix of the olistostromes is predominately Pleistocene, however, matrices of mixed nannofossil ages are frequently encountered. Comparisons of the mixed nannofossil ages in the matrices with sedimentological and structural data suggest that sediment mixing resulting from fault movement is subordinate to that occurring during deposition.

Cenozoic calcareous nannofossils in DSDP Leg 77 holes

Three of the six DSDP Leg 77 sites drilled in the western approaches to the Straits of Florida yielded thick sequences of Cenozoic sediment rich in calcareous nannofossils. Hiatuses are prominent in each of these continuously cored intervals. A prominent upper Oligocene hiatus, observed at each of these three sites, can be correlated to a large-scale "global" regression event. Other disconformable horizons present in the study area cannot be positively related to sealevel fluctuations and may be caused by a number of factors including local tectonic activity. Paleogene sections are generally marked by thick accumulations within the upper Oligocene Sphenolithus ciperoensis Zone and by a pronounced braarudosphaerid-holococcolith bloom recorded in the lower Oligocene and upper Eocene. This bloom is particularly well developed at Site 540. All samples examined contain abundant nannofossils. Preservation fluctuates throughout the sections from good to poor.

Calcareous nannoplankton of DSDP Leg 43 holes

During Leg 43, six holes (Sites 382-387) were drilled in the western part of the North Atlantic Ocean; locations of sites are shown in Figure 1. Lower Cretaceous to Quaternary calcareous nannofossils were found in 127 of 189 cores recovered during the leg. The ages and zonal assignments of these fossiliferous cores based upon light-microscopical observation are given in Table 1. An almost continuous succession of nannofossil assemblages of the lower Maestrichtian to upper Paleocene is present at Site 384. A detailed investigation was conducted on samples at this site, and the evolution of approximately 50 species is documented through almost the entire Paleocene epoch.