O credit scoring em apoio ao risco de crédito: a identificação de variáveis que contribuem no sucesso da implantação de empresas franqueadas

A concessão de crédito a empresas que participam do mercado consiste na entrega de um ativo em determinado momento, com a promessa de pagamento deste bem ou direito em data futura. Tal situação se configura como um evento incerto, pois existe a possibilidade de que tal obrigação não seja honrada pela promitente compradora, originando desta forma, o risco de crédito. Cabe à parte concessora do ativo que origina o risco de crédito, verificar a capacidade de seu cliente em cumprir o compromisso futuro assumido, analisando as variáveis que sugerem o sucesso da operação de crédito. As empresas que se encontram em fase de implantação caracterizam-se não somente pela ausência de histórico das variáveis acima, como também pelo aumento considerável do risco de continuidade. Tal situação é comprovada por pesquisas realizadas em empresas com até cinco anos de atuação. A impossibilidade na mensuração da capacidade de crédito proporcionada por este cenário, ocasiona severa restrição creditícia às empresas novas, principalmente ao crédito de longo prazo, imprescindível nesta fase de investimentos. Entretanto, esta restrição não se verifica em empresas de franquia, cujo empreendedor tem o privilégio de iniciar seu negócio com linhas de crédito de investimentos já prontas no mercado com esta finalidade. Este estudo objetiva identificar quais as características presentes em empresas franqueadas que permitem a concessão de crédito segura na fase de implantação por parte das instituições financeiras e se tais características podem discriminar variáveis que são determinantes no sucesso da franqueada proponente ao crédito bancário. A aplicação de análise fatorial em banco de dados com empresas de franquia permitiu identificar com sucesso um grupo de sete principais variáveis principais, que serviram de base a um modelo de regressão logística e análise discriminante. O modelo de regressão logística mostrou-se bom para a melhora da probabilidade de acerto de empresas solventes ao passo que a análise discriminante não apresentou melhora nesses resultados.

Oinarrizko eragiketak Ingurumen Ingeniaritzan - PBL

Nivel educativo: Grado. Duración (en horas): Más de 50 horas

Spatial and temporal distribution of North Atlantic right whales (Eubalaena glacialis) in Cape Cod Bay, and implications for management

Cape Cod Bay (Massachusetts) is the only known winter and early spring feeding area for concentrations of the endangered North Atlantic right whale (Eubalaena glacialis) population. During January–May, 1998–2002, 167 aerial surveys were conducted (66,466 km of total survey effort), providing a complete representation of the spatiotemporal distribution of right whales in the bay during winter and spring. A total of 1553 right whales were sighted; some of these sightings were multiple sightings of the same individuals. Right whale distribution and relative abundance patterns were quantified as sightings per unit of effort (SPUE) and partitioned into 103 23-km2 cells and 12 2-week periods. Significant interannual variations in mean SPUE and timing of SPUE maxima were likely due to physically forced changes in available food resources. The area of greatest SPUE expanded and contracted during the season but its center remained in the eastern bay. Most cells with SPUE>0 were inside the federal critical habitat (CH) and this finding gave evidence of the need for management measures within CH boundaries to reduce anthropogenic mortality from vessel strikes and entanglement. There was significant within-season SPUE variability: low in December−January, increasing to a maximum in late February−early April, and declining to zero in May; and these results provide support for management measures from 1 January

Motores térmicos de vapor, gas y de combustión interna a través de PBL (Project Based Learning)

Nivel educativo: Grado. Duración (en horas): De 31 a 40 horas

ReefBase - a global database of coral reef systems and their resources

ReefBase a global database of coral reefs systems and their resources was initiated at International Center for Living Aquatic Resources Management (ICLARM), Philippines in November 1993. The CEC has provided funding for the first two years and the database was developed in collaboration with the World Conservation Monitoring Centre in Cambridge, UK, as well as other national, regional, and international institutions. The ReefBase project activities and what ICLARM will do to accomplish the project objectives are briefly discussed.

A database for the industrial trawl fishery of Cote d'Ivoire

Fishery statistics for the industrial trawl fishery of Cote d'Ivoire have been well documented since 1968. However, data processing has changed significantly with time and some of the data files have been lost. In 1997, the Centre de Recherches Oceanologiques d'Abidjan decided to retrieve and process all trawl data available from different sources. This paper gives an overview of the database covering the period 1968 to 1997 and describes its coverage, format, structure and use. The database was developed using MS ACCESS and is a powerful tool for storing information about this fishery, and for analysis of its dynamics over a period of 30 years.

A relational database of post-harvest fish losses

The article describes FISHLOSS, a database of post-harvest fish losses devised by the Natural Resources Institute (NRI), UK. The database contains 450 records of post-harvest fish losses from 150 sources. The majority of the estimates are shelf-life estimates. Designed to be a reference for people studying post-harvest fish losses, it draws attention to areas requiring future research to identify significant losses and the factors which cause them. All researchers and users are encouraged to send NRI their own estimates for inclusion in revised versions of FISHLOSS.

History of Whaling and Estimated Kill of Right Whales, Balaena glacialis, in the Northeastern United States, 1620–1924

This study, part of a broader investigation of the history of exploitation of right whales, Balaena glacialis, in the western North Atlantic, emphasizes U.S. shore whaling from Maine to Delaware (from lat. 45°N to 38°30'N) in the period 1620–1924. Our broader study of the entire catch history is intended to provide an empirical basis for assessing past distribution and abundance of this whale population. Shore whaling may have begun at Cape Cod, Mass., in the 1620’s or 1630’s; it was certainly underway there by 1668. Right whale catches in New England waters peaked before 1725, and shore whaling at Cape Cod, Martha’s Vineyard, and Nantucket continued to decline through the rest of the 18th century. Right whales continued to be taken opportunistically in Massachusetts, however, until the early 20th century. They were hunted in Narragansett Bay, R.I., as early as 1662, and desultory whaling continued in Rhode Island until at least 1828. Shore whaling in Connecticut may have begun in the middle 1600’s, continuing there until at least 1718. Long Island shore whaling spanned the period 1650–1924. From its Dutch origins in the 1630’s, a persistent shore whaling enterprise developed in Delaware Bay and along the New Jersey shore. Although this activity was most profi table in New Jersey in the early 1700’s, it continued there until at least the 1820’s. Whaling in all areas of the northeastern United States was seasonal, with most catches in the winter and spring. Historically, right whales appear to have been essentially absent from coastal waters south of Maine during the summer and autumn. Based on documented references to specific whale kills, about 750–950 right whales were taken between Maine and Delaware, from 1620 to 1924. Using production statistics in British customs records, the estimated total secured catch of right whales in New England, New York, and Pennsylvania between 1696 and 1734 was 3,839 whales based on oil and 2,049 based on baleen. After adjusting these totals for hunting loss (loss-rate correction factor = 1.2), we estimate that 4,607 (oil) or 2,459 (baleen) right whales were removed from the stock in this region during the 38-year period 1696–1734. A cumulative catch estimate of the stock’s size in 1724 is 1,100–1,200. Although recent evidence of occurrence and movements suggests that right whales continue to use their traditional migratory corridor along the U.S. east coast, the catch history indicates that this stock was much larger in the 1600’s and early 1700’s than it is today. Right whale hunting in the eastern United States ended by the early 1900’s, and the species has been protected throughout the North Atlantic since the mid 1930’s. Among the possible reasons for the relatively slow stock recovery are: the very small number of whales that survived the whaling era to become founders, a decline in environmental carrying capacity, and, especially in recent decades, mortality from ship strikes and entanglement in fishing gear.

Mersey Estuary baseline survey. Analysis of macroinfaunal samples, literature review and database production

This is the Mersey Estuary baseline survey: Analysis of macroinfaunal samples, literature review and database production report produced by the Environment Agency North West in 2002. This report presents an ecological review of the Mersey estuary along with an extensive bibliography of the available environmental literature for this system. The central objective of this programme has been to provide the information necessary to support the Environment Agency's review of existing and future consents (for discharges, abstractions etc) in the Mersey estuary. This review of consents was required because the Mersey had been designated as a Special Protection Area (SPA) under the EC Birds Directive. Therefore under Regulation 50 of the Conservation, the Environment Agency was responsible for reviewing any extant consent, or future applications, which may directly or indirectly, affected this SPA.