O papel da tecnologia da informação e comunicação na inclusão financeira da população ribeirinha da Ilha de Marajó: o caso Agência Barco

O desafio de ofertar infraestrutura de serviços públicos nas regiões menos desenvolvidas do Brasil, geralmente mais afastadas dos grandes centros urbanos, mobiliza setores da sociedade na busca de abordagens novas e criativas que possam diminuir as grandes disparidades inter-regionais. Uma das carências vivenciadas por parte da população brasileira é a falta de acesso ao sistema financeiro, comprometendo a capacidade de plena participação dessas pessoas na economia, dificultando a geração e acúmulo de riqueza, situação essa presente na Ilha de Marajó, no estado do Pará, cuja maioria de seus dezesseis municípios apresenta Índice de Desenvolvimento Humano (IDH) baixo ou muito baixo. Para mudar essa realidade, uma iniciativa inovadora é a agência bancária itinerante instalada em barco, para atendimento a populações ribeirinhas de regiões com vasta extensão territorial, baixa densidade demográfica, dificuldades de transporte e limitações na oferta de tecnologia da informação e comunicação (TIC). Assim, essa pesquisa, com propósito exploratório e descritivo, tem como objetivo principal identificar, sob o ponto de vista das TIC, como os indicadores de inclusão financeira são influenciados pela atuação da Agência Barco na Ilha de Marajó. Além do estudo teórico, foi realizada investigação empírica, por meio de observação direta e entrevistas semiestruturadas com clientes e funcionários da Agência Barco, realizadas ao longo de quatro dias, em duas cidades da Ilha de Marajó. Para análise dos dados, foram aplicadas técnicas de análise de conteúdo às entrevistas, com objetivo de identificar a presença de elementos de inclusão financeira, transpondo os resultados para um modelo heurístico de infoinclusão dinâmica (2iD), o qual foi adaptado para contemplar constructos de inclusão financeira. O resultado da pesquisa demonstra que a Agência Barco consegue suprir as necessidades de acesso a serviços e produtos financeiros pela população da Ilha de Marajó, ao mesmo tempo em que se identifica oportunidades para ampliação de aspectos relacionados à educação financeira, possibilitando fortalecer os componentes dinâmicos do processo de inclusão financeira, com aumento da conscientização e consequente aumento da demanda por serviços e produtos financeiros.

Ensaios sobre mercados artificiais com dois ativos utilizando algoritmos genéticos

A abordagem de Modelos Baseados em Agentes é utilizada para trabalhar problemas complexos, em que se busca obter resultados partindo da análise e construção de componentes e das interações entre si. Os resultados observados a partir das simulações são agregados da combinação entre ações e interferências que ocorrem no nível microscópico do modelo. Conduzindo, desta forma, a uma simulação do micro para o macro. Os mercados financeiros são sistemas perfeitos para o uso destes modelos por preencherem a todos os seus requisitos. Este trabalho implementa um Modelo de Mercado Financeiro Baseado em Agentes constituído por diversos agentes que interagem entre si através de um Núcleo de Negociação que atua com dois ativos e conta com o auxílio de formadores de mercado para promover a liquidez dos mercados, conforme se verifica em mercados reais. Para operação deste modelo, foram desenvolvidos dois tipos de agentes que administram, simultaneamente, carteiras com os dois ativos. O primeiro tipo usa o modelo de Markowitz, enquanto o segundo usa técnicas de análise de spread entre ativos. Outra contribuição deste modelo é a análise sobre o uso de função objetivo sobre os retornos dos ativos, no lugar das análises sobre os preços.

Classification of Boal, Malvazia, Sercial and Verdelho wines based on terpenoid patterns

Thirty-six Madeira wine samples from Boal, Malvazia, Sercial and Verdelho white grape varieties were analyzed in order to estimate the free fraction of monoterpenols and C13 norisoprenoids (terpenoid compounds) using dynamic headspace solid phase micro-extraction (HS-SPME) technique coupled with gas chromatography–mass spectrometry (GC–MS). The average values from three vintages (1998–2000) show that these wines have characteristic profiles of terpenoid compounds. Malvazia wines exhibits the highest values of total free monoterpenols, contrary to Verdelho wines which had the lowest levels of terpenoids but produced the highest concentration of farnesol. The use of multivariate analysis techniques allows establishing relations between the compounds and the varieties under investigation. Principal component analysis (PCA) and linear discriminant analysis (LDA) were applied to the obtained matrix data. A good separation and classification power between the four groups as a function of their varietal origin was observed.

Ação pública na formação e transformação do destino turístico de Porto de Galinhas: um estudo dos referenciais no período de 1970 a 2010

The central interest of this thesis is to comprehend how the public action impels the formation and transformation of the tourist destinies. The research was based on the premise that the public actions are the result of the mediation process of state and non-state actors considered important in a section, which interact aiming for prevailing their interests and world visions above the others. The case of Porto de Galinhas beach, in Pernambuco, locus of the investigation of this thesis, allowed the analysis of a multiplicity of actors on the formation and implementation of local actions toward the development of the tourism between the years 1970 and 2010, as well as permitted the comprehension of the construction of the referential on the interventions made. This thesis, of a qualitative nature, has as theoretical support the cognitive approach of analysis of the public policies developed in France, and it has as main exponents the authors Bruno Jobert and Pierre Muller. This choice was made by the emphasis on the cognitive and normative factors of the politics, which aspects are not very explored in the studies of public policies in Brazil. As the source of the data collection, documental, bibliographic and field researches were utilized to the (re)constitution of the formation and transformation in the site concerned. The analysis techniques applied were the content and the documental analysis. To trace the public action referential, it started by the characterization of the touristic section frontiers and the creation of images by the main international body: the World Tourism Organization, of which analysis of the minutes of the meetings underscored guidelines to the member countries, including Brazil, which compounds the global-sectorial reference of the section. As from the analysis of the evolution of the tourism in the country, was identified that public policies in Brazil passed by transformations in their organization over the years, indicating changes in the referential that guided the interventions. These guidelines and transformations were identified in the construction of the tourist destination of Porto de Galinhas, of which data was systematized and presented in four historical periods, in which were discussed the values, the standard, the algorithms, the images and the important mediators. It has been revealed that the State worked in different roles in the decades analyzed in local tourism. From the 1990s, however, new actors were inserted in the formulation and implementation of policies developed, especially for local hotelkeepers. These, through their association, establishes a leadership relation in the local touristic section, thereby, they could set their hegemony and spread their own interest. The leadership acquired by a group of actors, in the case of Porto de Galinhas, does not mean that trade within the industry were neutralized, but that there is a cognitive framework that confronts the actors involved. In spite of the advances achieved by the work of the mediators in the last decades, that resulted in an amplification and diversification of the activity in the area, as well as the consolidation at the beach, as a tourist destiny of national standout, the position of the place is instable, concerned to the competitiveness, once that there is an situation of social and environmental unsustainability

A satisfação e a intenção de continuidade de uso em servços de e-learning:validação empírica de um modelo aplicado no serviço público

The present study aims to investigate the constructs of Technological Readiness Index (TRI) and the Expectancy Disconfirmation Theory (EDT) as determinants of satisfaction and continuance intention use in e-learning services. Is proposed a theoretical model that seeks to measure the phenomenon suited to the needs of public organizations that offer distance learning course with the use of virtual platforms for employees. The research was conducted from a quantitative analytical approach, via online survey in a sample of 343 employees of 2 public organizations in RN who have had e-learning experience. The strategy of data analysis used multivariate analysis techniques, including structural equation modeling (SEM), operationalized by AMOS© software. The results showed that quality, quality disconfirmation, value and value disconfirmation positively impact on satisfaction, as well as disconfirmation usability, innovativeness and optimism. Likewise, satisfaction proved to be decisive for the purpose of continuance intention use. In addition, technological readiness and performance are strongly related. Based on the structural model found by the study, public organizations can implement e-learning services for employees focusing on improving learning and improving skills practiced in the organizational environment

A liderança e suas relações com o comprometimento organizacional

This study presents the results of field research of an exploratory descriptive character that seeks to identify the latent dimensions of leadership and organizational commitment as well as to discover the relationship between these two sets of indicators. In the study, 236 respondents were interviewed, 84 being managers or owners and 152 being sales personnel. The research was undertaken in five shopping centers in the municipality of Natal, capital of Rio Grande do Norte, and employed two different questionnaires. One of them was developed by Bass and Avolio, 1992 (in NORTHOUSE, 2004), contained 21 indicators of leadership and was completed by store managers. The other instrument, completed by sales personnel in the stores, was developed by Medeiros, Albuquerque, Marques and Siqueira (2003) and contained a total of 28 indicators of organizational commitment. For the analysis of the data, factor analysis techniques and structural equations modeling were used. Using the factor analysis, five dimensions of leadership and seven dimensions of organizational commitment were found, all of which have a theoretical basis for their explanation. Through the structural equations modeling, a relationship was established between leadership and organizational commitment, in which it was possible to observe that certain leadership styles influence in a positive form the commitment of the employee

Organização das comunidades infestantes de plantas daninhas na cultura da cana-de-açúcar em agrupamentos-padrão

O objetivo deste estudo foi avaliar a possibilidade de agrupar talhões de cana-de-açúcar colhida mecanicamente e sem queima prévia da palha na região de Ribeirão Preto-SP, de acordo com o potencial de infestação de plantas daninhas, por meio de análise de agrupamento por método hierárquico e outras técnicas de análise multivariada, utilizando como variável o índice de infestação relativa atribuído por avaliações visuais, em duas etapas. A primeira contemplou 20 talhões de cana-planta com ciclo de 18 meses; essas áreas foram utilizadas para comparação de dois métodos de estimativa da composição específica da flora daninha: análise fitossociológica e por meio da porcentagem visual de cobertura geral (CG) e específica (CE). A segunda etapa consistiu no levantamento da composição específica da comunidade de plantas daninhas em 189 talhões, em áreas de cana-soca colhidas durante a safra de 2008, incluindo nesses talhões apenas CG e CE. Com as informações sobre os levantamentos da comunidade infestante foi construído um banco de dados, posteriormente submetido a análises exploratórias por técnicas de estatística multivariada. Para as principais espécies dentro dos talhões, que foram DIGNU, ARACH, IPOHF, MRRCI e IPOQU, seguidas de CYPRO, ELEIN e EPHHS, foram verificados 75% de coincidências de resultados entre os dois métodos de avaliação. Também notou-se que as avaliações visuais de porcentagem de cobertura das espécies podem substituir, para fins de praticidade, agilidade e aplicabilidade, as avaliações fitossociológicas, uma vez que proporcionaram boa capacidade de detecção das principais plantas daninhas dentro de cada talhão. As técnicas de estatística multivariada demonstraram que os talhões podem ser agrupados de acordo com semelhanças na intensidade da infestação e na composição específica.

Divergência genética de cultivares de arroz quanto à resistência a Tibraca limbativentris Stål (Hemiptera: Pentatomidae)

A divergência genética de 16 cultivares de arroz quanto à resistência ao percevejo-do-colmo-do-arroz, Tibraca limbativentris Stål, foi avaliada por meio de técnicas de análise multivariada. O experimento foi conduzido em casa de vegetação, em delineamento experimental de blocos ao acaso, com oito repetições. Na avaliação foram considerados oito caracteres de resistência ao ataque do inseto. A divergência genética foi avaliada por procedimentos multivariados: distância generalizada de Mahalanobis (D²), método de agrupamento de otimização de Tocher e técnica de variáveis canônicas. As cultivares mais dissimilares foram Bico Ganga e Marabá Branco, enquanto Agulha e Branco Tardão foram as mais similares. Foram formados cinco grupos pelo método de otimização de Tocher. As três primeiras variáveis canônicas explicaram 88,5% da variabilidade total disponível. Conclui-se que as técnicas de análise multivariada são eficientes para a análise da divergência genética entre as cultivares de arroz, com destaque para Marabá Branco e Bico Ganga, consideradas as mais promissoras a serem utilizadas em futuros cruzamentos para melhoramento visando resistência ao percevejo-do-colmo-do-arroz.

Ensino do processo de enfermagem: significados percepções docentes na formação do enfermeiro

The implementation of the nursing process should be experienced by all nurses during their formative years. However, the lack of implementation of the nursing process for care planning during the educational process and the existing disorder in the formation process prompted the following research questions: What is the meaning of teaching the nursing process to the nursing professors? Do nursing professors use strategies and methods that promote critical thinking in their students? The objective of the study was to analyze the meaning that teaching of the nursing process has for the nursing faculty of the bachalaureate nursing course. Qualitative descriptive study conducted with a sample of 30 faculty members that taught nursing care courses in the nursing program of the Federal University of Rio Grande do Norte (UFRN) in Natal, RN. Two instruments were used, a questionaire and an interview guide. The questionnaire was designed to obtain sociodemographic, educational and work information, of faculty activities and of the teaching of nursing care. The guide was composed of five open questions regarding the understanding and perceptions of the nursing process, its utilization in teaching, and the nursing care teaching strategies. Interview data were submitted to content analysis techniques and interpreted according to the principles of Symbolic Interactionism. Six categories related to the analytical themes were identified: the nursing process as the guide for the care actions; clinical rationality; use of the care activities; teaching relevance; teaching barreirs; teaching strategies with focus on the abilities and competencies of the clinical rationale. Faculty perceptions regarding the teaching of the nursing process; nursing care approach in the nurses‟ formation. The study indicates that the participants understand the relevance of the nursing process a work instrument and that the use of this method during the nurses‟ formation enhances the abilities and competencies for critical thinking that is essencial for care. The strategies for teaching of abilities and competencies were identified, however the nursing faculty should use codes, direction and the influence so that the students can Interact and therefore stimulate the use of the nursing process

Grapevine root distribution in drip and microsprinkler irrigation

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Análise de confiabilidade de uma bomba centrífuga: aplicação na injeção de água para recuperação de petróleo

The oil industry`s need to produce with maximum efficiency, not to mention the safety and the environment aspects, encourages the optimization of processes. It makes them look for a level of excellence in acquisition of equipment, ensuring the quality without prejudice security of facilities and peoples. Knowing the reliability of equipment and that this stands for a system is fundamental to the production strategy to seeks the maximum return on investment. The reliability analysis techniques have been increasingly applied in the industry as strategy for predicting failures likelihood ensuring the integrity of processes. Some reliability theories underlie the decisions to use stochastic calculations to estimate equipment failure. This dissertation proposes two techniques associating qualitative (through expertise opinion) and quantitative data (European North Sea oil companies fault database, Ored) applied on centrifugal pump to water injection system for secondary oil recovery on two scenarios. The data were processed in reliability commercial software. As a result of hybridization, it was possible to determine the pump life cycle and what impact on production if it fails. The technique guides the best maintenance policy - important tool for strategic decisions on asset management.

Análise de resíduos em modelos de tempo de falha acelerado com efeito aleatório

We present residual analysis techniques to assess the fit of correlated survival data by Accelerated Failure Time Models (AFTM) with random effects. We propose an imputation procedure for censored observations and consider three types of residuals to evaluate different model characteristics. We illustrate the proposal with the analysis of AFTM with random effects to a real data set involving times between failures of oil well equipment

Material processing by plasma shock wave generated in an inverse Z-pinch plasma expander

The applicability of plasma shock wave for material processing was investigated using modified inverse Z-pinch device. Shock wave expanding speed and plasma spectral analysis were studied using an internal magnetic,probe and spatially collimated light spectroscopy. The material processing capability of the device was shown by many different surface analysis techniques such as AES, IRS, EPM and SEM. The interactions between a plasma shock wave of similar to4x10(6) cm/s speed with a Si substrate surface shows some ion implantation capability using a nitrogen plasma and thin film formation using a methane plasma.

SUGARCANE BAGASSE PULPING and BLEACHING: THERMAL and CHEMICAL CHARACTERIZATION

Fundação de Amparo à Pesquisa do Estado de São Paulo (FAPESP)

Ultrasonic density measurement cell design and simulation of non-ideal effects

This paper presents a theoretical analysis of a density measurement cell using an unidimensional model composed by acoustic and electroacoustic transmission lines in order to simulate non-ideal effects. The model is implemented using matrix operations, and is used to design the cell considering its geometry, materials used in sensor assembly, range of liquid sample properties and signal analysis techniques. The sensor performance in non-ideal conditions is studied, considering the thicknesses of adhesive and metallization layers, and the effect of residue of liquid sample which can impregnate on the sample chamber surfaces. These layers are taken into account in the model, and their effects are compensated to reduce the error on density measurement. The results show the contribution of residue layer thickness to density error and its behavior when two signal analysis methods are used. (c) 2006 Elsevier B.V. All rights reserved.