433 resultados para piso


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Incluye fotografías ilustrativas de las estancias del Museo

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El artículo forma parte de una sección de la revista dedicada a intercambio de experiencias. - Incluye bibliografía recomendada

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El Riesgo Operativo surge como una necesidad debido a la creciente desregulación, y globalización de servicios financieros, aunado a la sofisticación de las tecnologías financieras, que hacen más complejas las actividades de los bancos y por tanto implican mayores niveles de riesgo. La gestión Bancaria, por sus actividades bancarias se ven expuestos a nuevos riesgos cada vez mayores, aparte de los tradicionales riesgos de crédito, liquidez, de tasas de interés y de mercado, siendo riesgo operativo, la posibilidad de sufrir pérdidas debido a la inadecuación o a fallos de los procesos, personas o sistemas internos o bien a causa de acontecimientos externos, esta definición también engloba el riesgo legal, pero excluye los riesgos estratégico y de reputación. Es importante que las instituciones financieras comprendan a qué se refiere el riesgo operativo para poder llevar a cabo una administración y un control efectivo de esta categoría de riesgo. También es importante que su definición abarque el amplio abanico de riesgos operativos a los que se enfrentan los bancos y que recoja las principales causas de pérdidas operativas graves. Por lo señalado la presente investigación procura efectuar un diagnostico de las operaciones de crédito de primer piso de la Corporación Financiera Nacional, analizando pormenorizadamente el Proceso de Crédito de Primer Piso (PCP), identificar los factores y eventos de riesgo operativo, analizar indicadores de gestión de este proceso y sugerir mejoras a este proceso de crédito.

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Es imperante que en Ecuador las entidades del sector financiero tomen acciones de control más fuertes para la prevención del lavado de activos y financiamiento del terrorismo (LA/FT), ya que este riesgo representa una amenaza para la estabilidad del sector financiero y para la integridad de los mercados. Por lo expuesto, el presente trabajo de investigación tiene como objetivo establecer una metodología adecuada en la administración del riesgo de lavado de activos y financiación del terrorismo para la Corporación Financiera Nacional (CFN) en sus operaciones de segundo piso, como parte de la gestión del riesgo operativo, que permita prevenirlo, detectarlo y reportarlo oportuna, eficiente y eficazmente. La presente investigación se enmarca en un estudio descriptivo, ya que pretende identificar los elementos de una adecuada administración del riesgo LA/FT para contrastarlos con los elementos aplicados en la CFN en sus operaciones de segundo piso, y efectuar una propuesta de una metodología para determinar la probabilidad de ocurrencia del riesgo en estudio. Como resultado se estableció que los componentes clave de una metodología de prevención LA/FT se refieren a contar con una estructura adecuada de la Unidad de Cumplimiento, determinar el perfil de riesgo a nivel institucional, diseño de un sistema de prevención de LA/FT basado en el perfil de riesgo institucional y la implementación de controles internos eficientes y eficaces, que permitan la aplicación del sistema de prevención. En ese sentido, se realizó un diagnóstico sobre la administración de riesgo LA/FT de la CFN como banca de segundo piso, del cual se obtuvo que el riesgo de la CFN es moderado. Adicionalmente, se efectuó una propuesta para la aplicación de un modelo de red bayesiana con los factores de riesgo LA/FT para establecer la probabilidad de ocurrencia del riesgo, insumo importante para encaminar las acciones de control para prevenir el riesgo. Por lo expuesto, en relación a la prevención de lavado de activos y financiamiento del terrorismo en Instituciones Financieras, en la presente tesis se abordan aspectos sobre su definición; administración; diagnóstico; prevención, detección y control.

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FORMIGA, Felipe Lira et al. Avaliação da Potencialidade de Uso do Resíduo Proveniente da Indústria de Beneficiamento do Caulim na Produção de Piso Cerâmico. Cerâmica Industrial, v. 14, p. 41-45, 2009.

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The paper investigates the legal mechanisms used by the Legislature and the Executive to implement the constitutional principle of the teacher s minimum wage, which is proclaimed in the Constitution as a strategy of professional appreciation for this category. The text demonstrates that the legal mechanisms used to value the teacher were: the 1988 Constitution, the constitutional amendments to this Charter updated and modified the original text in relation to the matter, and finally, the Minimum Wage Law . Article nº 206 of 1988 s Federal Constitution established that basic education teachers, who work in public schools, would be entitled to a national minimum wage. Law nº 11.738/2008 ( Minimum Wage Law ) regulated the matter and made other determinations on the relationship between the State and the teachers such as the establishment of parameters for the distribution of the workload of teachers. Based on this law, since 2009 the minimum wage has been set annually by the Federal Government. However, state governments and municipalities throughout Brazil protested prescriptions contained in the Minimum Wage Law . In this context, some governors and mayors led the Supreme Court regarding the constitutionality of this law. The complainants considered that there was unconstitutional by the following: definition of the teacher s workday, which in the complainants point of view was competence of local governments; ensuring that teachers receive salaries tied to the minimum wage with retroactive effect; transformation of the minimum wage in basic salary, lack of sufficient budget in the states and municipalities to honor with the new values to be paid to teachers and, finally, determining workload for the teacher to perform other activities besides classroom activities. At the trial held at the STF the majority of Ministers rejected the claim and considered that the Minimum Wage Law , taken together, was constitutional. However, this decision did not alter the position of the managers or the interpretation of the ministers who agreed with the unconstitutionality of some aspects of the law. This means that one law can present differences in interpretation between ordinary people and among members of the Judiciary. The search showed the following conclusions: the law is not a definitive parameter of justice, because it is deeply linked to various interests; the development, implementation, and judgment of laws dealing with minimum wage of teaching are linked to historical and cultural aspects of society; the demand for enhancement of teacher and setting a minimum wage has only emerged in the late twentieth century, a fact explained in this work based on data that indicate the recent concern of Brazilian State with schooling a phenomenon typically Republican and with the professionalization of teaching emerging concern from the knowledge society; the Legislative and Executive search mechanism to implement the minimum wage of the teachers because of the contemporary need for professionalization of teaching

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This paper analyzes the policy of upgrading the teaching profession in relation to financing basic education, with a view to participation of the Union of Education Workers of Rio Grande do Norte - SINTE / RN and the state government in the implementation of Professional Base Salary the National Professional Teaching Public Basic Education - Law 11738/2008, the public state of Rio Grande do Norte. The participation of civil society, through the union movement presents itself as an important process of implementation of Professional Base Salary. The participation of SINTE / RN occurred since the fight to pass the plan, careers and Compensation (2006) until the implementation of the Base Salary (2009) highlighting the power relations established between the Union and State Government. To this end, there were actions such as public hearings and strikes by education professionals. In order to raise issues relevant to the issue of enhancement of teaching and participation of unions as a collective representation has been taken as a theoretical and methodological literature on the financing of basic education, enhancing teaching and participation as well as policy guidelines governing the career of teaching. Was used as a methodological procedure to document analysis and information gathering through semi-structured interviews. The results indicate the participation and the power relationship between the trade union movement and the state government in the implementation of the Base Salary. However, the current issues concerning the limitations of recovery of the teaching profession in order to implement the policy floor, not only merit of the state of Rio Grande do Norte, but the decisions that have been taken by the Supreme Court (STF) relating to the unconstitutionality of Action (ADI) filed by five governors. This fact greatly reduced the possibility of recovery of the teaching of the state, considering that the government was limited to decisions of the Supreme Court. Therefore, the enhancement of teaching remains a challenge for the union movement

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The present work was developed in order to obtain data on bromatologic composition of caged hen manure (CHM) without and with hydrolised sugarcane bagasse (HSB) stocked during 10, 20 and 30 days on the ground under the cage. CHM as well as HSB remained under the cage for 10, 20 and 30 days. CHM Stocking for 30 days on the ground under the cage resulted in lower values of nutrients. The presence of HSB avoided loss of nutrients during the stocking period of CHM and preserved CHM accumulated under the cage.

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A presente dissertação representa uma contribuição na resolução de problema de inovação de produtos na indústria de cerâmica vermelha no Município de São Miguel do Guamá, no Estado do Pará. Apresenta-se uma metodologia, baseada na estratégia do QFD (Desdobramento da Função Qualidade), que associa os requisitos dos consumidores na elaboração dos projetos do produto e dos processos de produção. A falta de conhecimento dos produtos ou serviços a serem vendidos é uma das principais (e óbvias) razões do fracasso de pequenas empresas varejistas e de serviços. No atual nível de competitividade, a informação é o elemento fundamental para o sucesso empresarial e adaptação ao mercado, não só no sentido de obter e acumular estas informações, mas também de saber interpretá-las e utilizálas adequadamente e de forma criativa. A qualidade do produto é avaliada tanto no aspecto interno (especificações técnicas) quanto no aspecto externo (qualidades exigidas pelos clientes). A pesquisa mostra, além da realidade que vive o setor das indústrias de cerâmica, a importância e os atributos da qualidade definidos pelos consumidores relativo as cerâmicas vermelhas. O trabalho também mostra os resultados da aplicação da metodologia em uma das empresas do setor, mediante o desdobramentos da qualidade exigida, estabelece a qualidade planejada.

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Bamboo has one of the highest growth rates among plants, however, its lignifications (which confers resistance) takes around a few years and, therefore, certain physical characteristics and mechanical, that depend on this process will only be acquired between the three to six years old. In addition, bamboo also has significant density variations in different parts of the stem, both in the radial direction as the axial. In particular the radial direction, where the density found in the inner and outer (near the bark) of a single stem can range on average from 0.5 to 0.9 g/cm3. Thus, the application of bamboo as a floor, there to examine whether both sides of the bamboo (internal and external), provide resistance properties required for that purpose. In this study sought to characterize and quantify the influence of the concentration of fiber bundles in the inner and outer sides of rules or bamboo strips of bamboo flooring through testing service. Analyses performed were based on ASTM D 2394- 83 for wooden floors and derivatives. This was necessary because of the absence of a specific prohibition of the use and testing of floors made of bamboo and its products. The data were analyzed by ball indentation test shooting, test for resistance to abrasion, indentation test for stress / load treadmill test and by indentation loads applied to small areas - test the jump. The results of the tests were extremely friendly bamboo, even this presents considerable differences between the resistances obtained from assay of the cover of the inner and outer face, being comparable with those of many commonly used to manufacture wood flooring. This comparison was made possible by information from technical trials of several floors made with wood

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