Microcrédito emancipatório no nordeste do Brasil? : estudo de caso do Crediamigo Comunidade nos municípios de Caucaia-Ce e Maranguape-Ce

This piece of work consists in a study case of Crediamigo Comunidade, a product from the portfolio of Crediamigo Program of Banco do Nordeste, that uses the methodology of the Comunitary Banks in the concession of low amount loan to poor communities. The main question consists to understand how the Crediamigo Comunidade is characterized faced to the conflict of emancipatory versus liberal paradigms, that exists in the microcredit area. The main objective will analyze how the mechanisms: social capital, empowerment, formation to credit education and better conditions for economic and social issues promoted in the specific objectives of this product, before the dipute between these paradigms. The method adopted analyzed, in a longitudinal perspective, the three years of the product s existence (jun/2005 to jul 2008). Primary and secondary data made possible to identify qualitatively, emancipatory and non emancipatory attributes in the actions and results of Crediamigo Comunidade. It is concluded that the Crediamigo Comunidade works in a liberal logic of the Crediamigo Program, consequently, his focus is not in the emancipation of the poorest clients. The empowerment is individual and not communitary or Freiriano ; the social capital relations enlarges itself in its bounding and bridging ties, but not in its linkage ties, to have access to politic actors and consequently communitary strengthen. All the formation in the Crediamigo is strictly commercial. These characteristics happen by the liberal paradigm in the Crediamigo management and of all of its products, including the Crediamigo Comunidade

A importância do microcrédito para os empreendedores: um estudo com os grupos solidários de Fortaleza /CE

This study aims to understand the changes in the improvement of economic and social conditions of small entrepreneurs who participate in solidarity groups linked to the Non-Governmental Organization (NGO) "X" in Fortaleza city, Ceará, through the use of productive-guided microcredit. It is come a research in exploratory and descriptive nature, with a quantitative and qualitative approach. Data were collected from the small entrepreneurs by applying a questionnaire, as well as through structured interviews with group leaders. They were worked on issues relating to income generation, employment generation, housing and health conditions, dietary pattern and leisure activities of small entrepreneurs and their families before and after the union to solidarity groups and use of productive-guided microcredit. The research showed that the use of microcredit has interfered with social and economic life of these small entrepreneurs, generating positive effects

Microcrédito en Colombia.

El artículo tiene como propósitos: proporcionar una visión general de la forma en que el financiamiento de los microempresarios y los estratos más vulnerables de la población ha sido abocada en Colombia; resumir los grandes retos que enfrenta en la actualidad del programa de microfinanzas en el mundo, presentar el programa de investigación que están adelantando las Universidades Icesi y del Valle en Colombia en asocio con la Universidad de Laval en Canadá y con algunos centros de Investigación de Filipinas, Marruecos y Benin y algunos resultados parciales de este esfuerzo investigativo; y, presentar algunas recomendaciones tendientes a fortalecer a las organizaciones microfinancieras en el país.

Microcrédito emancipatório no nordeste do Brasil? : estudo de caso do Crediamigo Comunidade nos municípios de Caucaia-Ce e Maranguape-Ce

This piece of work consists in a study case of Crediamigo Comunidade, a product from the portfolio of Crediamigo Program of Banco do Nordeste, that uses the methodology of the Comunitary Banks in the concession of low amount loan to poor communities. The main question consists to understand how the Crediamigo Comunidade is characterized faced to the conflict of emancipatory versus liberal paradigms, that exists in the microcredit area. The main objective will analyze how the mechanisms: social capital, empowerment, formation to credit education and better conditions for economic and social issues promoted in the specific objectives of this product, before the dipute between these paradigms. The method adopted analyzed, in a longitudinal perspective, the three years of the product s existence (jun/2005 to jul 2008). Primary and secondary data made possible to identify qualitatively, emancipatory and non emancipatory attributes in the actions and results of Crediamigo Comunidade. It is concluded that the Crediamigo Comunidade works in a liberal logic of the Crediamigo Program, consequently, his focus is not in the emancipation of the poorest clients. The empowerment is individual and not communitary or Freiriano ; the social capital relations enlarges itself in its bounding and bridging ties, but not in its linkage ties, to have access to politic actors and consequently communitary strengthen. All the formation in the Crediamigo is strictly commercial. These characteristics happen by the liberal paradigm in the Crediamigo management and of all of its products, including the Crediamigo Comunidade

A importância do microcrédito para os empreendedores: um estudo com os grupos solidários de Fortaleza /CE

This study aims to understand the changes in the improvement of economic and social conditions of small entrepreneurs who participate in solidarity groups linked to the Non-Governmental Organization (NGO) "X" in Fortaleza city, Ceará, through the use of productive-guided microcredit. It is come a research in exploratory and descriptive nature, with a quantitative and qualitative approach. Data were collected from the small entrepreneurs by applying a questionnaire, as well as through structured interviews with group leaders. They were worked on issues relating to income generation, employment generation, housing and health conditions, dietary pattern and leisure activities of small entrepreneurs and their families before and after the union to solidarity groups and use of productive-guided microcredit. The research showed that the use of microcredit has interfered with social and economic life of these small entrepreneurs, generating positive effects

Diseño de un modelo de gestión administrativa que incremente la rentabilidad del programa de microcréditos en especie, de la Asociación Agropecuaria Salvadoreña (AGROSAL).

La presente investigación es motivada por el deseo de contribuir al desarrollo de una organización sin fines de lucro que realiza su actividad en el área de microfinanzas, para la reducción de la pobreza en El Salvador. Por ello es una valiosa oportunidad para la aplicación de la teoría administrativa, obtenida durante la formación académica como estudiantes de la Universidad de El Salvador. La investigación tiene como objetivo diseñar un modelo administrativo que incremente la rentabilidad en el proyecto de microcréditos en especie que ejecuta la Asociación Agropecuaria Salvadoreña (AGROSAL). El método utilizado para la realización de la investigación es el deductivo, el cual permite ir de lo general a lo particular, este conduce a la construcción de modelos que representan en forma simplificada la realidad. La aplicación del método fue a través de la encuesta, la observación directa y la revisión de la documentación existente en la organización, tomando en cuenta aspectos fundamentales de modelos de administración y la concepción del microcrédito. Resultado relevante ha sido elaborar el diagnóstico de la situación administrativa y financiera actual de la asociación, que permite proponer los elementos necesarios para estructurar el modelo administrativo de AGROSAL, a través de la aplicación de este modelo se pretende encaminar a la organización hacia la autosostenibilidad institucional y sobretodo amplíe su cobertura de ayuda a más familias salvadoreñas en extrema pobreza. Se recomienda realizar un esfuerzo institucional por implantar los elementos que constituyen el modelo administrativo propuesto, asumiendo nuevos retos que permitan el aprovechamiento de las áreas de oportunidad.

Sistematização do dimensionamento técnico e econômico de sistemas fotovoltaicos isolados por meio de programa computacional

One of the main referring subjects to the solar energy is how to compare it economically with other sources of energy, as much alternatives as with conventionals (like the electric grid). The purpose of this work was to develop a software which congregates the technical and economic main data to identify, through methods of microeconomic analysis, the commercial viability in the sizing of photovoltaic systems, besides considering the benefits proceeding from the proper energy generation. Considering the period of useful life of the components of the generation system of photovoltaic electricity, the costs of the energy proceeding from the conventional grid had been identified. For the comparison of the conventional sources, electric grid and diesel generation, three scenes of costs of photovoltaic panels and two for the factor of availability of diesel generation had been used. The results have shown that if the cost of the panels is low and the place of installation is more distant of the electric grid, the photovoltaic system becomes the best option.

Uma observação sobre o lugar da teoria da ligação e do critério temático dentro do programa minimalista

In this paper I present some evidencie that forces us to conclude that within the Minimalist Program (Chomsky 1993; 1995), Binding Theory (BT) should be computed after LF (Logical Form). I show that derivations leading to structures containing violations of BT-Principles must converge at LF, since less economical alternative derivations respecting those principles are also ungrammatical. Being irrelevant to the notion of convergence, BT must apply after LF. A similar reasoning reveals that the Theta-Criterion should have the status of a bare output condition appling at LF, since less economical derivations are allowed by the computational system to prevent violations of it.

História, filosofia e sociologia da educação matemática na formação do professor: um programa de pesquisa

We present and discuss in this article some features of a research program whose central object of investigation is the way in which the recent fields of history, philosophy, and sociology of mathematical education could take part in a critical and qualified manner in the initial and continuing training of teachers in this area. For that, we endorse the viewpoint that the courses for mathematics teacher education should be based on a conception of specificity through which a new pedagogical project could be established. In such project those new fields of investigation would participate, in an organic and clarifying way, in the constitution of multidimensional problematizations of school practices, in which mathematics would be involved, and that would be guided by academic investigations about the issues that currently challenge teachers in the critical work of incorporation, resignification, production, and transmission of mathematical culture in the context of the school institution.

O programa de erradicação do trabalho infantil e suas praticas corporais : o caso de Sumare

Universidade Estadual de Campinas. Faculdade de Educação Física

Impacto das atividades fisicas nos indicadores de saude de sujeitos adultos : programa mexa-se

Universidade Estadual de Campinas . Faculdade de Educação Física

Autoconceito e capacidades fisicas de idosos depessivos e não depressivos participantes de um programa de atividade fisica de longa duração

Universidade Estadual de Campinas . Faculdade de Educação Física

Situações de agressividade em competições de handebol

Universidade Estadual de Campinas. Faculdade de Educação Física

Indicadores de saude em mulheres acima de 50 anos de idade participantes de um programa de atividades fisicas no complexo da Mare-RJ

Univesidade Estadual de Campinas. Faculdade de Educação Física

Construindo uma politica publica de lazer : espaço ou programa - o que garante a animação? - uma retrospectiva historica sobre o municipio de Sorocaba

Universidade Estadual de Campinas. Faculdade de Educação Física