Korkoriskin mittaaminen ja hallinta: Case Etelä-Karjalan Osuuspankki

Tutkielman päätavoitteena on eri menetelmillä selvittää Etelä-Karjalan Osuuspankin korkoriskin suuruus sekä luoda Etelä-Karjalan Osuuspankille suojausstrategia. Alatavoitteena on tarkastella, että miten pankki on tähän mennessä havainnut korkoriskin ja miten sitä vastaan on suojauduttu. Korkoriskiä tutkielmassa tullaan mittaamaan gap-, duraatio- sekä VaR-analyyseillä. Tutkielman alussa on perehdytty teoriapohjalta korkoriskin muodostumiseen, mittaamiseen sekä korkoriskiltä suojautumiseen. Teoriaosuuden havaintoja on hyödynnetty myöhemmin tutkielman empiirisessä osassa. Etelä-Karjalan Osuuspankin suurin ongelma korkoriskin näkökulmasta on se, että suuri osa tulevista korkotuotoista on vaihtuvakorkoisia, kun taas suuri osa tulevaisuuden korkokuluista on kiinteäkorkoisia. Suojausstrategia luodaan juuri tälle epäkohdalle.

Protein subcellular targeting inTrichoderma aggressivum f. aggressivum

Trichoderma aggressivum f. aggressivum is a filamentous soil fungus. Green mold disease of commercial mushrooms caused by this species in North America has resulted in millions of dollars in lost revenue within the mushroom growing industry. Research on the molecular level of T aggressivum have jus t begun with the goal of understanding the functions of each gene and protein, and their expression control. Protein targeting has not been well studied in this species yet. Therefore, the intent of this study was to test the protein localization and production levels in T aggressivum with green fluorescent protein (GFP) with an intron and tagged with either nuclear localization signal (NLS) or an endoplasmic reticulum retention signal (KDEL). Two GFP constructs (with and without the intron) were used as controls in this study. All four constructs were successfully transferred into T aggressivum and all modified strains showed similar growth characteristics as the wild type non-transformed isolate. GFP expression was detected from all modified T aggressivum with confocal microscopy and the expression was similar in all four strains. The intron tested in this study had no or very minor effects as GFP expression was similar with or without it. The GFP signal increased over a 5 day period for all transformants, while the GFP to total protein ratio decreased over the same period for all transformants. The GFP-KDEL transformant showed similar protein expression level and localization as did the control transformant lacking the KDEL retention signal. The GFP-NLS transformant similarly failed to localize GFP into nucleus as fluorescence with this strain was virtually identical to the GFP transformant lacking the NLS. Thus, future research is required to find effective localization signals for T aggressivum.

L’adoption du projet de loi n°21 et les effets sur la psychothérapie au Québec : une étude descriptive

Depuis l’arrivée de la psychologie dans les universités québécoises en 1872, la psychologie n’a cessé d’évoluer. Alors qu’autrefois aucune loi ne régissait la pratique de la psychothérapie et l’usage du titre de psychothérapeute, le gouvernement du Québec a adopté en 2009, le projet de loi 21. Ce mémoire retrace l’histoire de la psychologie au Québec ainsi que l’histoire de l’Ordre des psychologues du Québec en portant une attention particulière aux changements légaux concernant la règlementation de la pratique de la psychothérapie et l’usage de titres réservés. Afin de dresser un portrait de la psychothérapie au Québec deux ans après l’adoption de la Loi 28 (mieux connue sous le nom de projet de loi 21), trois banques de données de l’Ordre des psychologues ont été utilisées ( 1) «Membres», 2) «Psychothérapeutes» et 3) «Signalement psychothérapie»). De ces trois banques de données, deux sont construites à partir de formulaires remplis par les psychologues et psychothérapeutes. Des 8509 psychologues, 870 psychothérapeutes, et 524 dossiers de pratique illégale (usurpation de titres professionnels et/ou pratique illégale de la psychothérapie) inclus dans l’étude, des différences statistiquement significatives ont été remarquées pour ce qui est du sexe, de l’âge et de la langue maternelle. Toutefois, l’effet de taille était petit. Les différences les plus importantes étaient observables au niveau de la scolarité et de l’exercice de la psychothérapie. Les dispositions de la Loi modifiant le Code des professions et d’autres dispositions législatives dans le domaine de la santé mentale et des relations humaines n’étant en vigueur que depuis deux ans, il serait intéressant de suivre l’évolution de la psychothérapie et de la pratique illégale de la psychothérapie au Québec dans les prochaines années.

La seguridad humana canadiense y su aplicación en la construcción de paz en Sierra Leona

Canadá actuó en la construcción del post-conflicto en Sierra Leona como respuesta a los parámetros de su política exterior y basándose específicamente en los principios que se desprenden de la seguridad humana. En este contexto Canadá se desempeñó como constructor de paz y participo de manera activa a lo largo de todas las etapas del post-conflicto en Sierra Leona. Esta participación fue un poco tímida e indirecta en el marco de los procesos de desarme y desmovilización, mientras que en los de reinserción y reintegración desempeñó un papel determinante.

Sector calzado en Colombia, caso de estudio y consideración de modelos de negocio en las empresas de calzado: MSS, BRG Y CHS

Día a día el mundo viene presentando importantes cambios económicos que abarcan todo tipo de crisis y bonanzas en las que los mercados emergentes cada día se hacen más importantes y más valiosos para la economía mundial. Es en este escenario donde las prácticas empresariales relacionadas con dirección, la producción y la logística se hacen más y más transversales para garantizar la competitividad de las empresas y enfocar los lineamientos que certifiquen su perdurabilidad. En este trabajo se analizará el sector del Calzado y el Cuero en Colombia y se realizará un detallado análisis a tres empresas del sector para buscar y detectar problemas que presenten en su gestión y dirección, tanto en el ámbito logístico, de producción y de manejos de almacenes como de dirección, de manejo de marcos legales y manejo de personal.

Behaviour of Surface Defects in Wire Rod Rolling

Defects are often present in rolled products, such as wire rod. The markets demand for wire rod without any defects has increased. In the final wire rod products, defects originating from the steel making, casting, pre-rolling of billets and during the wire rod rolling can appear. In this work, artificial V-shaped longitudinal surface cracks has been analysed experimentally and by means of FEM. The results indicate that the experiments and FEM calculations show the same tendency except in two cases, where instability due to a fairly “round” false round bars disturbed the experiment. FE studies in combination with practical experiments are necessary in order to understand the behaviour of the material flows in the groove and to explain whether the crack will open up as a V-shape or if it will be closed as an I-shape.

Ferramentas para análise dinâmica e estrutural de um reboque de linha leve

Neste trabalho é desenvolvida uma metodologia de projeto para identificar as regiões críticas da estrutura de um reboque de linha leve sendo tracionado em pavimentos do tipo rodovia de baixa qualidade e estrada secundária de muito baixa qualidade. Para tanto, são levantados alguns dados experimentais da estrutura, necessários para a aproximação e simulação dinâmica de um modelo simplificado. A excitação da base é realizada por atuadores que simulam as oscilações verticais de um perfil de estrada, a qual é definida de acordo com os estudos realizados por Dodds e Robson (1973). Isto permite a determinação de um histórico de carregamentos das regiões da estrutura do chassi sob a ação das molas da suspensão. Em seguida, é gerado um modelo estrutural simplificado do reboque em elementos finitos, chamado de global, no qual são determinadas as regiões sob ação das maiores tensões. Tendo identificada a região mais crítica da estrutura, é criado um modelo local desta parte, onde se pode observar a distribuição de tensões com mais detalhe, permitindo a identificação dos pontos de concentração de tensões. Desta forma, com a aplicação do método de análise global-local é possível a obtenção de resultados detalhados quanto aos esforços da estrutura com um menor custo computacional.

Documentação, terminologia e lingüística : uma interface produtiva

Esta pesquisa tem como objetivo principal propor uma metodologia que agilize a construção de uma ferramenta no campo da Documentação. Trata-se da geração de uma base de dados terminológica com sustentação na terminologia utilizada pelo especialista em sua área de domínio. Ela se apóia nos pressupostos teóricos da Teoria da Enunciação, da Teoria Comunicativa da Terminologia e da Socioterminologia. Com esse referencial acredita-se ser possível assegurar a efetiva comunicação entre os Sistemas de Recuperação de Informação e os usuários, sendo o bibliotecário o mediador do processo comunicativo que tem origem no autor do texto indexado. Buscou-se o suporte da Terminografia e da Lingüística de Corpus pela possibilidade de coletar, tratar e armazenar um grande volume de informações de uma determinada área do saber.

Composição do substrato sobre o desenvolvimento, qualidade e custo de produção de mudas de Eucalyptus grandis Hill ex Maiden x Eucalyptus urophylla S. T. Blake

The components used in the production of substrates influence directly the growth cycle, quality and consequently the cost of production of seedlings. In this experiment we studied the development, quality and cost of Eucalyptus grandis Hill ex Maiden x E. urophylla S. T. Blake, through sexual propagation using 12 compositions of substrate. The results showed that the pure substrates, with the exception of coconut fiber, did not present physical characteristics appropriate for the production from seedlings of eucalyptus in container, with the best results obtained for the substrates with a mixture 1:1 of carbonized rid of rice and coconut-fiber and a mixture 1:1 of vermiculite and coconut fiber, due to the best morphological characteristics and the possibility of reducing the production period which enables a reduction in the cost of final seedling.

Os argumentos transcendentais: kant e o problema de hume

This work whose title is "The transcendental arguments: Kant Andy Hume's problem" has as its main objective to interpret Kant's answer to Hume's problem in the light of the conjunction of the causality and induction themes which is equivalent to skeptical- naturalist reading of the latter. In this sense, this initiative complements the previous treatment seen in our dissertation, where the same issue had been discussed from a merely skeptical reading that Kant got from Hume thought and was only examined causality. Among the specific objectives, we list the following: a) critical philosophy fulfills three basic functions, a founding, one negative and one would argue that the practical use of reason, here named as defensive b) the Kantian solution of Hume's problem in the first critisism would fulfill its founding and negative functions of critique of reason; c) the Kantian treatment of the theme of induction in other criticisms would will fulfill the defense function of critique of reason; d) that the evidence of Kant's answer to Hume's problem are more consistent when will be satisfied these three functions or moments of criticism. The basic structure of the work consists of three parts: the first the genesis of Hume's problem - our intention is to reconstruct Hume's problem, analyzing it from the perspective of two definitions of cause, where the dilution of the first definition in the second match the reduction of psychological knowledge to the probability of following the called naturalization of causal relations; whereas in the second - Legality and Causality - it is stated that when considering Hume in the skeptic-naturalist option, Kant is not entitled to respond by transcendental argument A􀁴B; A⊢B from the second Analogy, evidence that is rooted in the position of contemporary thinkers, such as Strawson and Allison; in third part - Purpose and Induction - admits that Kant responds to Hume on the level of regulative reason use, although the development of this test exceeds the limits of the founding function of criticism. And this is articulated in both the Introduction and Concluding Remarks by meeting the defensive [and negative] function of criticism. In this context, based on the use of so-called transcendental arguments that project throughout the critical trilogy, we provide solution to a recurring issue that recurs at several points in our submission and concerning to the "existence and / or the necessity of empirical causal laws. In this light, our thesis is that transcendental arguments are only an apodictic solution to the Hume s skeptical-naturalist problem when is at stake a practical project in which the interest of reason is ensured, as will, in short, proved in our final considerations

Equacões preditivas para as pressões respiratórias estáticas máximas de adolescentes brasileiros

Introduction: The reference values and prediction equations for maximal respiratory pressures (MRP) differ significantly between the available studies. This large discrepancy can be attributed to the different methodologies proposed. Although the importance of MRP is widely recognized, there are no Brazilian studies that provide predictive equations and reference values for PRM adolescents. Objectives: The purpose of this study was to provide normal values and propose predictive equations for maximal static respiratory pressures of Brazilian adolescents. Methods: An observational cross-sectional study, which evaluated 182 adolescents of both sexes aged between 12 and 18 years, enrolled in schools of the state and private in the city of Natal / RN. The selection of schools and participants of the study was randomly through a lottery system. The spirometric evaluation was performed through the digital spirometer One Flow FVC prior to the assessment of respiratory muscle strength. The MICs were measured with MVD digital manometer 300. Statistical analysis was performed using the SPSS 17.0 software STATISTICS, assigning the significance level of 5%. The normality of data distribution was verified using the Kolmogorov-Smirnov (KS). The descriptive analysis was expressed as mean and standard deviation. We used one-way ANOVA test to verify the difference of the averages of MRPs between age and gender and comparing the averages of MRPs between levels of physical activity. The test t'Student unpaired compared the averages of MRPs being ages and sexes. The comparison of mean values obtained in this study PRM with the values predicted using the equations mentioned above was relizada by testing paired t'Student. To verify the correlation between the PRM and the independent variables (age, weight, height) was used Pearson correlation test. Levene's test evaluated the homogeneity of variance. To obtain predictive equations analysis was used stepwise multiple linear regression. Results: There was no significant difference in mean age between the PRM. The male adolescents, regardless of age, showed superiority in MRP values when compared to the opposite sex. Weight, height and sex correlated with the PRM. Regression analysis suggested in this study, pointed out that the weight and sex had an influence in MIP and MEP only in relation to sex influenced. The mean for each PRM adolescents classified as very active were superior to those observed in adolescents classified as irregularly active. Conclusion: This study provides reference values and two models of predictive equations for maximal inspiratory and expiratory pressures, and to establish the lower limits of normality that will serve as an indispensable condition for careful evaluation of respiratory muscle strength in Brazilian adolescents

Intervenções benéficas durante o parto para a prevenção da mortalidade materna

O caráter multifatorial das complicações e da mortalidade materna torna difícil e demorada a tarefa de seu controle a longo prazo. A atenção profissional à mulher gestante e/ou parturiente representa seguramente elemento chave para a obtenção de bons resultados, tanto maternos quanto perinatais. Partindo-se do pressuposto de que atenção médica profissional ao parto de maneira adequada tem a capacidade de diminuir a ocorrência de complicações associadas à morbidade e mortalidade materna, são apresentadas resumidamente as evidências sobre algumas intervenções incluídas nesta atenção. São enfocadas as evidências derivadas de estudos realizados com extremo rigor metodológico e científico, os ensaios controlados randomizados, sobre intervenções capazes de reduzir as complicações e a mortalidade materna. Estas principais intervenções referem-se basicamente a: atenção institucional ao parto, atendimento profissional capacitado, utilização de parteiras tradicionais em determinados contextos, uso de tecnologias apropriadas incluindo o partograma, local do parto, posição para o parto, uso de episiotomia, tipo de parto, uso de ocitócicos na fase ativa do parto, realização de esforços de puxo no período expulsivo, manejo da dequitação e profilaxia da hemorragia puerperal. Ainda que o efeito de prevenir mortes seja difícil de ser avaliado pela baixa freqüência, sua utilização de forma racional e padronizada, por meio de manuais e normatizações de condutas de serviços, tem um efeito positivo sobre a qualidade da atenção ao nascimento. Isso faz parte do contexto técnico e humano do direito que toda mulher tem ao melhor atendimento possível nesse momento tão especial de sua vida.

A gravidez na adolescência sob a perspectiva dos familiares: compartilhando projetos de vida e cuidado

Estudo qualitativo, que objetivou apreender o significado da gravidez da adolescente para seus familiares. Empregou-se a entrevista semi-estruturada e discurso do sujeito coletivo. A gravidez da adolescente é representada como problema a ser enfrentado com o suporte familiar. As famílias preocupam-se e se mobilizam para resolver as adversidades. Além do choque pela notícia, impotência quanto à prevenção da gravidez, conformismo, alegria e melhora no relacionamento familiar pela chegada do bebê, evidenciou-se a frustração devido à interrupção/mudança no projeto de vida familiar em relação à adolescente sem um relacionamento estável com o pai da criança. Considera-se que, ao se valorizar a perspectiva dos familiares sobre a gestação na adolescência, o cuidado profissional à adolescente grávida e à família pode se dar em parceria e sintonia com o contexto familiar e social, facilitando o enfrentamento de conflitos e reconhecendo a família como sujeito ativo nesse processo.

A competência em informação na televisão universitária: Reflexões e contribuições iniciais ao contexto brasileiro

The university television station is a communication vehicle that incorporates principles of social structure from the diffusion of culture, knowledge and education dissemination which may lead to the formation of behaviors and opinions instilling critical thought in individuals and promoting the dialogue between society and university by disseminating the knowledge produced in the academic environment. In this way it is pertinent to know and understand the information literacy of professionals working in this context when it comes to content production for university television station. For this initial discussion are addressed the concepts of university television station as well information literacy in order to establish relations between the two thematic mentioned, the relevance of studies in this scenario in relation to the Information Science context.

Quality management promotion to improve competitiveness

Includes bibliography