Credit union correspondents and financial inclusion in Brazil: an exploratory study

A rede de correspondentes bancários do Brasil tem sido estudada há mais de uma década, em particular por causa da sua importância no aumento do alcance de serviços financeiros para regiões distantes dos maiores centros urbanos. O uso de correspondentes por cooperativas de crédito não tem recebido destaque, apesar do papel importante das cooperativas na inclusão financeira. Esta dissertação adota uma abordagem “multimétodo” para efetuar uma pesquisa exploratória dos correspondentes de cooperativas de crédito no Brasil. A pesquisa visa, por um lado, alargar a compreensão dos incentivos que levam cooperativas a usarem correspondentes, e por outro, avaliar se esses correspondentes merlhoram a inclusão financeira. A pesquisa é formada por um estudo de caso assim como por análise de dados relativos ao registro de correspondentes bancários e de dados financeiros das cooperativas. Os resultados apontam que o uso de correspondentes bancários por cooperativas está relacionado à busca de maior eficiência e redução de filas nas agências. A melhoria da inclusão financeira por esses correspondentes limita-se a um serviço único – o recebimento de pagamentos. Não obstante, em 2014, cooperativas de correspondentes de crédito tinham um papel importante no fornecimento de serviços de recebimento de contas em 690 municípios brasileiros, dos quais 200 tinham baixos níveis de inclusão financeira. Apesar da escassa disponibilidade de serviços dos correspondentes das cooperativas, os resultados sugerem que esses atores poderiam adquirir uma importância maior na promoção de inclusão financeira no futuro.

Graphical constraints: a graphical user interface for constraint problems

A constraint satisfaction problem is a classical artificial intelligence paradigm characterized by a set of variables (each variable with an associated domain of possible values), and a set of constraints that specify relations among subsets of these variables. Solutions are assignments of values to all variables that satisfy all the constraints. Many real world problems may be modelled by means of constraints. The range of problems that can use this representation is very diverse and embraces areas like resource allocation, scheduling, timetabling or vehicle routing. Constraint programming is a form of declarative programming in the sense that instead of specifying a sequence of steps to execute, it relies on properties of the solutions to be found, which are explicitly defined by constraints. The idea of constraint programming is to solve problems by stating constraints which must be satisfied by the solutions. Constraint programming is based on specialized constraint solvers that take advantage of constraints to search for solutions. The success and popularity of complex problem solving tools can be greatly enhanced by the availability of friendly user interfaces. User interfaces cover two fundamental areas: receiving information from the user and communicating it to the system; and getting information from the system and deliver it to the user. Despite its potential impact, adequate user interfaces are uncommon in constraint programming in general. The main goal of this project is to develop a graphical user interface that allows to, intuitively, represent constraint satisfaction problems. The idea is to visually represent the variables of the problem, their domains and the problem constraints and enable the user to interact with an adequate constraint solver to process the constraints and compute the solutions. Moreover, the graphical interface should be capable of configure the solver’s parameters and present solutions in an appealing interactive way. As a proof of concept, the developed application – GraphicalConstraints – focus on continuous constraint programming, which deals with real valued variables and numerical constraints (equations and inequalities). RealPaver, a state-of-the-art solver in continuous domains, was used in the application. The graphical interface supports all stages of constraint processing, from the design of the constraint network to the presentation of the end feasible space solutions as 2D or 3D boxes.

As sanções políticas, mecanismo de intervenção do estado na ordem econômica e tributária

This work pursues to analyze the sanctions of restrictive nature, which are characterized by impeding the business of the contributor in debt. Such sanctions known as political sanctions, are truly understood as an indirect way of tax enforcement, liable to cause problems to the private entity in curtailing, the initiative freedom, opposing the Article 5°, item XIII and Article 170, single paragraph of CF/88. As the State gets the several means to assure the economic order effective performance, it is up to the State to restrain the economic power abuse that objects to the marketing domination, to the ending of competition, and arbitrary increasing of profits (CF Article 173, § 4ª.) Therefore, it depends on the state, besides maintaining the economic order, to ensure a fair distribution of tax burden and act under the command of the Democratic State of Law principles. In order to make the tax collection effective, specific in some cases, the administrative fiscal agent uses coercive, excessive, and institutional, in imposing sanctions which causes constraint, maculating the contributor s essential rights, that matters of the necessity to force the tax credit ending. The principle of the free initiative and free competition, which are intended to be analyzed in this study, comes from a constitutional context and it will be reviewed in its systematic relations and with another rules, in order to evidence, at the end, the occurrence of an intervention towards the economic order when the State makes do of political sanctions as a tool for the tax credit effectiveness, infringing the Tax and Constitutional principles

Metabolic response to feeding in Tupinambis merianae: Circadian rhythm and a possible respiratory constraint

The diurnal tegu lizard Tupinambis merianae exhibits a marked circadian variation in metabolism that is characterized by the significant increase in metabolism during part of the day. These increases in metabolic rate, found in the fasting animal, are absent during the first 2 d after meal ingestion but reappear subsequently, and the daily increase in metabolic rate is added to the increase in metabolic rate caused by digestion. During the first 2 d after feeding, priority is given to digestion, while on the third and following days, the metabolic demands are clearly added to each other. This response seems to be a regulated response of the animal, which becomes less active after food ingestion, rather than an inability of the respiratory system to support simultaneous demands at the beginning of digestion. The body cavity of Tupinambis is divided into two compartments by a posthepatic septum (PHS). Animals that had their PHS surgically removed showed no significant alteration in the postprandial metabolic response compared to tegus with intact PHS. The maximal metabolic increment during digestion, the relative cost of meal digestion, and the duration of the process were virtually unaffected by the removal of the PHS.

A constraint on the x dependence of the light antiquarks ratio

We perform a careful study on the effect of the Pauli blocking to the light antiquark structure of the proton sea. We develop the formal expressions for the antiquark distributions, highlighting the role played by quark statistics and the vacuum structure. Ratios involving the antiquarks are calculated. In particular, it is found that Delta(d) over bar (x)/Delta(u) over bar (x) should be negative and x independent. (C) 2002 Elsevier B.V. B.V. All rights reserved.

Quantization of (2+1)-spinning particles and bifermionic constraint problem

This work is a natural continuation of our recent study in quantizing relativistic particles. There it was demonstrated that, by applying a consistent quantization scheme to the classical model of a spinless relativistic particle as well as to the Berezin-Marinov model of a 3 + 1 Dirac particle, it is possible to obtain a consistent relativistic quantum mechanics of such particles. In the present paper, we apply a similar approach to the problem of quantizing the massive 2 + 1 Dirac particle. However, we stress that such a problem differs in a nontrivial way from the one in 3 + 1 dimensions. The point is that in 2 + 1 dimensions each spin polarization describes different fermion species. Technically this fact manifests itself through the presence of a bifermionic constant and of a bifermionic first-class constraint. In particular, this constraint does not admit a conjugate gauge condition at the classical level. The quantization problem in 2 + 1 dimensions is also interesting from the physical viewpoint (e.g., anyons). In order to quantize the model, we first derive a classical formulation in an effective phase space, restricted by constraints and gauges. Then the condition of preservation of the classical symmetries allows us to realize the operator algebra in an unambiguous way and construct an appropriate Hilbert space. The physical sector of the constructed quantum mechanics contains spin-1/2 particles and antiparticles without an infinite number of negative-energy levels, and exactly reproduces the one-particle sector of the 2 + 1 quantum theory of a spinor field.

New remarks on the linear constraint self-dual boson and Wess-Zumino terms

In this work we prove in a precise way that the soldering formalism can be applied to the Srivastava chiral boson (SCB), in contradiction with some results appearing in the literature. We promote a canonical transformation that shows directly that the SCB is composed of two Floreanini-Jackiw particles with the same chirality in which the spectrum is a vacuumlike one. As another conflicting result, we prove that a Wess-Zumino (WZ) term used in the literature consists of a scalar field, once again denying the assertion that the WZ term adds a new degree of freedom to the SCB theory in order to modify the physics of the system. © 2001 The American Physical Society.

Phase constraint for the waves diffracted by lossless symmetrical gratings at Littrow mount

The energy conservation of grating diffraction is analyzed in a particular condition of incidence in which two incident waves reach a symmetrical grating from the two sides of the grating normal at the first-order Littrow mounting. In such a situation the incident waves generate an interference pattern with the same period as the grating. Thus in each direction of diffraction, interference occurs between two consecutive diffractive orders of the symmetrical incident waves. By applying only energy conservation and the geometrical symmetry of the grating profile to this problem it is possible to establish a general constraint for the phases and amplitudes of the diffracted orders of the same incident wave. Experimental and theoretical results are presented confirming the obtained relations. © 2006 Optical Society of America.

Ajuste del balance de pagos, política crediticia y control del endeudamiento externo = Balance-of-payments adjustment, credit policy and control of the external debt

Incluye Bibliografía

Access to credit in Argentina

Includes bibliography

A low-growth model: informality as a structural constraint

Includes bibliography

Bank consolidation and credit concentration in Brazil (1995-2004)

Includes bibliography

Income inequality and credit markets

Includes bibliography

Crédito agrícola en la América Central = Agricultural credit in Central America

Incluye Bibliografía

Crédito agrícola en Costa Rica = Agricultural credit in Costa Rica

Incluye Bibliografía