O incumprimento do contrato de crédito ao consumo pelo consumidor

Consumer relations, established between the Consumer and the Creditor, which carry a consequent inequality of contractual positioning between the parties, have been pushing the legislator to adopt more rigid regulations with regard to lending for the purchase of goods or services of consum issues. In this sense, the Decree-Law 359/91 was approved, meanwhile repealed by the Decree-Law 133/2009, which regulates the consumer credit agreement’s regime in the portuguese legal system. Through this contract, the financier makes available to the consumer a certain amount of money, which the consumer must repay, plus the respective remuneration (interest) and other charges, according to a refund plan agreed by the parties. The consumer will be in delay if he breaches this stipulation. In case of default, the creditor, notwithstanding, can choose to wait for the performance by the debtor, promote the loss of benefit of the term or the termination of the contract. From the outset it would seem that, in one way or another, the financier, by imposing a forced shortening of the contract duration initially agreed, will lose the right to remuneration for the provision of capital agreed, but not verified. Nevertheless, unlike presently, the previous regime allowed the parties to rule otherwise, being permitted to agree to the payment of interest of outstanding installments. On the other hand, in the consumer credit contract the principle of freedom of contractual provision of the parties is strongly mitigated by the special legislation, which prevents the waiver of rights by the consumer, and by the regime of general contractual terms, which restricts the freedom of the financier to stipulate the contractual content freely and the freedom of the consumer to negotiate. For all these reasons, associated with the growing need of credit resource to satisfy their needs of consumption, it is confirm the relevance of legislative intervention on consumers protection in the context of hiring credit.

Estudo de caso-controlo da associação entre a infecção por giardia duodenalis e a desnutrição em crianças dos 0 aos 59 meses numa região rural da Guiné-Bissau.

Introdução: As infecções por parasitas intestinais e a desnutrição são um importante problema de saúde infantil, em especial nos países em desenvolvimento, onde coexistem e contribuem para o ciclo da desnutrição-infecção-pobreza. A infecção por Giardia duodenalis e a desnutrição crónica são um exemplo potencial deste ciclo, ainda que poucos estudos tenham sido efectuados sobre a sua associação em África, em especial em crianças de zonas rurais. A problemática em estudo no presente projecto consistiu em explorar a associação entre a infecção por Giardia duodenalis e a desnutrição crónica em crianças com idades entre os 0 e os 59 meses de uma comunidade rural da Guiné-Bissau, habitantes do Parque Nacional das Lagoas da Cufada. Material, População e Métodos: Foi efectuado um estudo de caso-controlo em Março e Abril de 2010, em que os 31 casos correspondem a crianças com desnutrição crónica (zscore estatura para a idade <-2) e os 78 controlos a crianças com estatura adequada para a idade (zscore estatura para a idade> -2). Foi efectuada análise microscópica de amostras de fezes para a detecção de Giardia duodenalis e de outros parasitas intestinais eventualmente presentes. Além da desnutrição crónica, foram igualmente avaliados outros indicadores nutricionais na amostra em estudo, tais como o peso para a idade, peso para o comprimento ou estatura e índice de massa corporal. A exploração da associação entre a desnutrição crónica e a infecção por Giardia duodenalis foi efectuada recorrendo a técnicas estatísticas. Resultados obtidos: A análise microscópica de amostras de fezes colhidas nos meses de Março e Abril de 2010 permitiu obter uma taxa de prevalência de infecção por Giardia duodenalis de 29,0% (9/31) nos casos e de 35,9% (28/78) nos controlos. Não foi encontrada associação entre a infecção por Giardia duodenalis e a desnutrição crónica nas crianças em estudo. Discussão e Conclusões: Os dados obtidos estão de acordo com diversos estudos em que não foi encontrada associação entre a desnutrição crónica e a infecção por Giardia duodenalis. Contudo, dadas as limitações associadas ao número limitado da amostra e ao poder do estudo, bem como a ausência de informação clínica e nutricional, sugerem que, não obstante a validade dos dados obtidos, será importante desenhar futuros estudos.

Contrato de abertura de crédito bancário

La recherche que nous avons mené à bien avait pour but, dans un premier temps de comprendre la notion de contrat, ses caractéristiques, fonctions et les garanties qui en peuvent être fournies. Nous invoquerons le contenu du contrat, c'est à dire, les effets de celui-ci en essayant de montrer les droits et obligations auxquels les parties seront liées. Bien qu'étant un contrat assez requérant dans la pratique bancaire, celui-ci n'a pas encore attiré l'attention du législateur de façon à établir un régime qui pourrait lui être appliqué au lieu de s'appuyer sur d'autres contrats lui étant similaires. Nous proposons l'analyse de la cessation du contrat, en se concentrant sur les moyens de la dissolution, survenue suite à la conclusion de l'accord comme la plainte, l'abrogation, l'expiration et la résolution du contrat, en laissant de côté la dissolution du contrat pour des raisons survenues avant la conclusion du contrat, comme la nullité et l'annulation.

Sustained competitive advantage of different sized multinational corporations in rural base of the pyramid markets

This thesis explores how multinational corporations of different sizes create barriers to imitation and therefore sustain competitive advantage in rural and informal Base of the Pyramid economies. These markets require close cooperation with local partners in a dynamic environment that lacks imposable property rights and follows a different rationale than developed markets. In order to explore how competitive advantage is sustained by different sized multinational corporations at the Base of the Pyramid, the natural-resource-based view and the dynamic capabilities perspective are integrated. Based on this integration the natural-resource-based view is extended by identifying critical dynamic capabilities that are assumed to be sources of competitive advantage at the Base of the Pyramid. Further, a contrasting case study explores how the identified dynamic capabilities are protected and their competitive advantage is sustained by isolating mechanisms that create barriers to imitation for a small to medium sized and a large multinational corporation. The case study results give grounds to assume that most resource-based isolating mechanisms create barriers to imitation that are fairly high for large and established multinational corporations that operate at the rural Base of the Pyramid and have a high product and business model complexity. On the contrary, barriers to imitation were found to be lower for young and small to medium sized multinational corporations with low product and business model complexity that according to some authors represent the majority of rural Base of the Pyramid companies. Particularly for small to medium sized multinational corporations the case study finds a relationship- and transaction-based unwillingness of local partners to act opportunistically rather than a resource-based inability to imitate. By offering an explanation of sustained competitive advantage for small to medium sized multinational corporations at the rural Base of the Pyramid this thesis closes an important research gap and recommends to include institutional and transaction-based research perspectives.

Perfil antropométrico de mulheres adultas da área urbana e rural no município de Barcelos, AM

De um total de 203 mulheres adultas entrevistadas, foram avaliadas 175 (entre 16 a 73 anos), por meio de medidas antropométricas: peso, altura, prega cutânea tricipital (PCT), circunferência braquial (CB), circunferência muscular (CMB) e Índice de Massa Corpórea (IMC). Das mulheres analisadas, 84,0% (n=147) residiam na zona urbana e 16,0% (n=28) na zona rural. Verificou-se que o peso médio das mulheres não nutrizes residentes na área urbana foi de 54,1 kg; altura de 149,0 cm e o IMC de 24,4 kg/m², enquanto que a PCT, CB e a CMB forneceram valores médios de 19,2 mm, 27,5 cm e 21,5 cm, respectivamente. Na área rural, as mulheres apresentaram um peso médio de 50,4 kg, altura de 148,6 cm, IMC de 23,0 kg/cm² e a PCT, CB e a CMB foram 13,8 mm, 26,4 cm e 22,1 cm, respectivamente. Houve diferença estatisticamente significativa apenas nos valores médios da PCT entre as mulheres procedentes da área urbana e rural (p<0,05). Nas mulheres da área urbana, a ocorrência de baixo peso foi de 6,5%, 28,2% de sobrepeso e 11,3% de obesidade. Nas mulheres da área rural, a prevalência de baixo peso e obesidade foi de 4% e de sobrepeso de 16%. A maioria da população estudada situou-se no limite máximo de normalidade do IMC, e os índices representantes das reservas adiposas (PCT) foram maiores nas mulheres residentes na área urbana.

Transporte ativo em alunos do 5º e 6º ano de escolaridade, por género, em meio predominantemente rural

Relatório de atividade profissional de mestrado em Ensino de Educação Física nos Ensinos Básico e Secundário

Os contratos de crédito ao consumo e o sobreendividamento dos consumidores

Dissertação de mestrado em Direito dos Contratos e da Empresa

Diversity of sand flies in domiciliary environment of Santarém, state of Pará, Brazil: species composition and abundance patterns in rural and urban areas

This paper aimed to evaluate the richness, abundance and frequency of sand fly occurrence in rural and urban areas American visceral Leishmaniasis -AVL is endemic in the study area of Santarém municipality, Pará state. Sand flies were collected during 1995-2000, using CDC light traps placed in neighborhoods and rural areas of the municipality. A total of 53.454 individuals and 26 species of sand flies were collected. The most abundant species in both urban and rural environments was Lutzomyia longipalpis, vector of AVL in the area. The highest species richness by capture was in rural area. In all years sampled, the largest number of species of sand fly collected was always in rural areas. The species of sand flies in urban and rural area were similar in 11 species. In the rural area other 11 species were found, a total of 22 species. Shannon-Wiener index ranged from 0.12 to 0.84 at rural areas and 0.08 to 0.34 at urban ones. In general, rural localities showed higher diversity (H') of phlebotomines than urban ones. Individual-based rarefaction curves for each area demonstrated that urban localities had the lowest expected number of phlebotomine species and the richest rural ones reach higher expected values with lower amount of individuals than urban sites. The most frequent species were Lutzomyia longipalpis, Evandromyia carmelinoi and Bichromomyia flaviscutellata.

Technical requirements for the use of C&DW recycled aggregates in municipal and rural roads and trenches

The use of construction and demolition waste (C&DW) in the construction industry is an important contribution to attain sustainability in the sector. The roads are among the civil engineering works which can use larger quantities of C&DW recycled aggregates. In Portugal, the limit values for the properties of C&DW recycled aggregates that can be used in the roads of Portuguese Road Network are defined by two Laboratório Nacional de Engenharia Civil (LNEC) technical specifications (TS), in accordance to Portuguese Decree-law no. 46/2008 of May 12th. Municipal and rural roads and trenches have specific characteristics that can enable the use of C&DW of lower quality than those required by existing LNEC TS, and even then ensuring an adequate performance. However, given the absence of specific regulation for those applications, the Portuguese Environment Agency requires compliance with the existing LNEC TS, which represents an obstacle to recycling a significant part of the C&DW, in particular at a local government level. This paper presents guidelines for the recycling of C&DW in municipal and rural roads and in trenches, which could be considered in a new forthcoming LNEC TS. In the preparation of the guidelines, the bibliography collected and analysed, the information gathered from the application of C&DW in a municipal and rural roads of a Portuguese municipality and in the roadways of a Portuguese resort, and the results of laboratory tests carried out on samples collected in the Portuguese municipality were taken into consideration.

Girls out of school. State, culture and education in poor rural Lao People's Democratic Republic

Tese de Doutoramento em Sociologia

A invalidade na coligação de contratos de crédito e venda para consumo

Dissertação de mestrado em Direito dos Contratos e da Empresa

Transporte ativo: comparação dos padrões de deslocação casa-escola dos alunos do meio rural com o dos alunos do meio urbano

Relatório de mestrado em Ensino de Educação Física nos Ensinos Básico e Secundário

Assessment of cardiovascular risk factors in a rural community in the Brazilian state of Bahia

OBJECTIVE: To assess the frequency of cardiovascular risk factors in the rural community of Cavunge, in the Brazilian state of Bahia. METHODS: A cross-sectional study was carried out with 160 individuals (age > 19 years) randomly drawn from those listed in the population census of the Cavunge Project. The following parameters were studied: arterial hypertension, dyslipidemia, diabetes, obesity, smoking, waist-hip ratio (WHR), physical activity, and overall cardiovascular risk classified according to the Framingham score. The assessing parameters used were those established by the III Brazilian Consensus on Hypertension and the II Brazilian Consensus on Dyslipidemia. RESULTS: Of the randomly drawn individuals, 126 with a mean age of 46.6 + 19.7 years were included in the study, 43.7% of whom were males. The frequency of arterial hypertension was 36.5%; 20.4% of the individuals had cholesterol levels >240 mg/dL; 31.1% of the individuals had LDL-C levels > 130 mg/dL; 4% were diabetic; and 39.7% had a high-risk Framingham score. Abdominal obesity was observed in 41.3% of the population and in 57.7% of the females. High caloric-expenditure (HCE) physical activities were performed by 56.5% of the individuals. The HCE group had a greater frequency of normal triglyceride levels (63% vs 44%; P=0.05), no diabetes, and WHR tending towards normal (46% vs 27%, P=0.08) as compared with those in the low caloric-expenditure group. CONCLUSION: Cardiovascular risk factors, such as hypertension and hypercholesterolemia, are frequently found in rural communities. The greatest frequency of normal triglyceride levels and normal WHR in the HCE group reinforces the association between greater caloric expenditure and a better risk profile.

O crescimento do sector bancário e a concessão de crédito às empresas : o caso de Angola

Mestrado em Ciências Empresariais