Financiamiento de la banca comercial a micro, pequeñas y medianas empresas en México

Incluye Bibliografía

Degradation of dipyrone via advanced oxidation processes using a cerium nanostructured electrocatalyst material

This work studied the degradation of dipyrone, via electrochemical processes and via electro-Fenton reaction using a 4% CeO2/C gas diffusion electrode (GDE) prepared via modified polymeric precursor method. This material was used to electrochemically generate H2O2 through oxygen reduction. The mean crystallite sizes estimated by the Scherrer equation for 4% CeO2/C were 4 nm for CeO2-x (0 4 4) and 5 nm for CeO2 (1 1 1) while using transmission electron microscopy (TEM) the mean nanoparticle size was 5.4 nm. X-ray photoelectron spectroscopy (XPS) measurements revealed nearly equal concentrations of Ce(III) and Ce(IV) species on carbon, which contained high oxygenated acid species like CO and OCO. Electrochemical degradation using Vulcan XC 72R carbon showed that the dipyrone was not removed during the two hour electrolysis in all applied potentials by electro-degradation. Besides, when the Fenton process was employed the degradation was much similar when using cerium catalysts but the mineralization reaches just to 50% at -1.1 V. However, using the CeO2/C GDE, in 20 min all of the dipyrone was degraded with 26% mineralization at -1.3 V and when the Fenton process was employed, all of the dipyrone was removed after 5 min with 57% mineralization at -1.1 V. Relative to Vulcan XC72R, ceria acts as an oxygen buffer leading to an increase in the local oxygen concentration, facilitating H2O2 formation and consequently improving the dipyrone degradation © 2013 Elsevier B.V. All rights reserved.

Low tungsten content of nanostructured material supported on carbon for the degradation of phenol

A comparative study using different mass proportions of WO3/C (1%, 5%, 10% and 15%) for H2O2 electrogeneration and subsequent phenol degradation was performed. To include the influence of the carbon substrate and the preparation methods, all synthesis parameters were evaluated. The WO3/C materials were prepared by a modified polymeric precursor method (PPM) and the sol-gel method (SGM) on Vulcan XC 72R and Printex L6 carbon supports, verifying the most efficient metal/carbon proportion. The materials were physically characterized by X-ray diffraction (XRD) and by X-ray photoelectron spectroscopy (XPS) techniques. The XRD and the XPS techniques identified just one phase containing WO3 and elevated oxygen concentration on carbon with the presence of WO3. The oxygen reduction reaction (ORR), studied by the rotating ring-disk electrode technique, showed that WO3/C material with the lowest tungsten content (1% WO3/C), supported on Vulcan XC 72R and prepared by SGM, was the most promising electrocatalyst for H2O2 electrogeneration. This material was then analyzed using a gas diffusion electrode (GDE) and 585mgL-1 of H2O2 was produced in acid media. This GDE was employed as a working electrode in an electrochemical cell to promote phenol degradation by an advanced oxidative process. The most efficient method applied was the photo-electro-Fenton; this method allowed for 65% degradation and 11% mineralization of phenol during a 2-h period. Following 12h of exhaustive electrolysis using the photo-electro-Fenton method, the total degradation of phenol was observed after 4h and the mineralization of phenol approached 75% after 12h. © 2013 Elsevier B.V.

Estudo das propriedades de fotogeração e transporte de portadores de cargas em dispositivos optoeletrônicos orgânicos

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Técnicas de imagem para triagem de melanoma

Pós-graduação em Pesquisa e Desenvolvimento (Biotecnologia Médica) - FMB

Avaliação da movimentação de cães por meio de captura-recaptura fotográfica e georeferenciamento

Pós-graduação em Ciência Animal - FMVA

Deposição e caracterização de filmes finos de GaAs e 'Al IND. 2''O IND. 3' para potencial utilizado em transistores

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Fabricação e caracterização de filmes finos e ultrafinos de coroas de éter com azobenzeno incorporado e estudo da birrefringência fotoinduzida

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

Estudo da ação do ácido trissódio-cálcio-dietileno-triaminopentaacético (CaNa3DTPA) nas lesões de isquemia-reperfusão em membro posterior de rato

Pós-graduação em Bases Gerais da Cirurgia - FMB

Os Olhos no outro: estudo da sensibilidade na imagem fotográfica de pessoas de diferentes culturas

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Um sistema para extração automática de keyframes a partir de fluxos de vídeo direcionado à reconstrução tridimensional de cenários virtuais

Pós-graduação em Televisão Digital: Informação e Conhecimento - FAAC

Clareamento dental com perôxido de hidrogênio contendo nano partículas de óxido de titânio como semicondutor: efeito de concentrações, tempos e formas de ativação

Pós-graduação em Ciências Odontológicas - FOAR

Primeiro Colóquio Brasileiro de Matemática: identificação de um registro e pequenas biografias de seus participantes

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Financiamiento de la banca comercial para las micro, pequeñas y medianas empresas en México

El objetivo de este artículo es estudiar la estrategia de otorgamiento de créditos a las mipymes por parte de la banca comercial en México, así como examinar los factores que la incentivan o la obstaculizan. Para ello, en 2011 se efectuó una encuesta detallada entre los bancos comerciales que operan en el país. En esta se evidencia que existe un creciente interés por ampliar el crédito a las mipymes, pese a que estos créditos representan todavía una pequeña proporción de la cartera total. Se detectaron tres diferentes modelos de negocios, con divergencias importantes en las estrategias seguidas para atender a este segmento de empresas. Los factores que constituyen una mayor barrera para la oferta de crédito son la presencia de información insuficiente, fallas en el sistema de protección de acreedores, la informalidad, y las transformaciones históricas y rupturas que la banca comercial ha experimentado en las últimas tres décadas.

Commercial bank financing for micro-enterprises and SMEs in Mexico

Includes bibliography.