1000 resultados para Cooperativa de Crédito
Resumo:
O programa de matemtica do ensino bsico revela que a escola exige uma formao slida em Matemtica para que os alunos, ao longo do seu percurso escolar, possam compreend-la e utiliz-la, mas o faam igualmente depois da escolaridade, na sua vida pessoal, profissional e social. A investigao feita visa compreender como que a Educao Matemtica Crtica e a rede social Facebook potenciam a aprendizagem crtica da Matemtica. A utilizao mais frequente desta rede social, possibilita chegar a um maior fluxo de informao/publicidade. Sob a gide da Educao Matemtica Crtica, com o objetivo de observar que alteraes ocorriam na forma como os alunos aprendiam determinados conceitos matemticos em situaes rotineiras da nossa sociedade. Esta aprendizagem pode ocorrer cooperativamente e/ou colaborativamente conforme as atividades e os alunos que realizam o estudo. O estudo realizado foi de natureza qualitativa de carter interpretativo. Os alunos realizaram trs atividades. A primeira denominada Atmosfera Terrestre para introduzir o captulo de intervalos de nmeros reais e para os discentes se familiarizarem com as ferramentas do Facebook. As outras duas foram uma publicidade de uma empresa e uma notcia sobre as tabelas de IRS para o ano de 2013. Depois de concludo esse estudo, verificou-se que os alunos no tiveram qualquer problema ao nvel do manuseamento das ferramentas proporcionadas pelo Facebook. Na atividade introdutria para o captulo de intervalo de nmeros reais, os alunos conseguiram transpor o que tinha sido discutido em espao Facebook para a sala de aula, apresentando exemplos da referida atividade. Conseguiram retirar, atravs da matemtica, concluses e resultados muito pertinentes para uma melhor perceo do que estava implicitamente presente em cada uma das atividades. As concluses evidenciadas pelos alunos aludem que aps vrias discusses, argumentos e mesmo algum clculo matemtico conseguiram observar e justificar criticamente que algumas informaes estavam camufladas nas distintas atividades. Os alunos constaram que aps estas atividades esto mais alertas para situaes similares, o que constitui uma conquista do papel da Matemtica na sua vida.
Resumo:
The study aimed to understand how the methodology of hatching contributes to the sustainability of economic enterprises in solidarity. For analysis, we developed a study on the social economy and the incubation methodology, based on the program of teaching, research and extension - Technological Incubator of Popular Cooperatives and Entrepreneurship Solidarity (PITCPES), and as the survey of the Cooperative of Fruit of Abaetetuba - COFRUTA. We started from the exploratory-descriptive approach in a qualitative and quantitative, in order to demonstrate the process of sustainability under the dimensions of different kinds such as: the economic dimension, social dimension, the political dimension, size and scale management training. Based on the analysis of these different dimensions was reached results as: first the recognition that the incubator contributes to the sustainability of COFRUTA, especially with regard to planning, control and the need to diversify production. However, there was suggestion of cooperative for training and technical assistance is continued, to the extent that the performance of projects under the base leaves gaps for the learning and application of social technologies required to the Incubator. It also concluded that the dissertation contributes to the team of the incubator can assess their strengths and weaknesses in their performance
Resumo:
The study aimed to understand how the methodology of hatching contributes to the sustainability of economic enterprises in solidarity. For analysis, we developed a study on the social economy and the incubation methodology, based on the program of teaching, research and extension - Technological Incubator of Popular Cooperatives and Entrepreneurship Solidarity (PITCPES), and as the survey of the Cooperative of Fruit of Abaetetuba - COFRUTA. We started from the exploratory-descriptive approach in a qualitative and quantitative, in order to demonstrate the process of sustainability under the dimensions of different kinds such as: the economic dimension, social dimension, the political dimension, size and scale management training. Based on the analysis of these different dimensions was reached results as: first the recognition that the incubator contributes to the sustainability of COFRUTA, especially with regard to planning, control and the need to diversify production. However, there was suggestion of cooperative for training and technical assistance is continued, to the extent that the performance of projects under the base leaves gaps for the learning and application of social technologies required to the Incubator. It also concluded that the dissertation contributes to the team of the incubator can assess their strengths and weaknesses in their performance
Resumo:
As an example of what happened in Brazil in the 90s, it s noticed in Natal a new system of cooperative housing production which is done by advancing the users resources selffinancing. This system comes as an alternative for the real state market performance since the end of the National Housing Bank (BNH), in 1986. Self-financed housing cooperatives play an important social role by contributing to own housing acquisition by low-income population, without, however, becoming a mechanism of social interest housing production. It is important to consider that Brazil registers a housing deficit of 6.6 million housing units (IBGE 2000/Census), which, compared to 1991, shows an increment of 21.7% to a growth rate of 2.2% a year. This deficit figure has been deepening, mainly with the end of the National Housing Bank (BNH). The self-financed cooperative housing production broadens around the Metropolitan Region of Natal (RMN) and remains as an alternative to the lack of financing in the housing / real state market. In general, the aim of this work is to analyze the role of self-financing housing cooperatives on the housing production in the RMN, in order to identify their role in the real state market, in the own housing promotion and in the housing policy. The Universe of this study is performance of four housing cooperatives - CHAF-RN, COOPHAB-RN, MULTHCOOP e CNH - that work through self-financing. It is considered here an amount of 38 undertakings launched between 1993 and 2002, including 8143 housing units. The methodology adopted consists of bibliographic, documental and field research. As a result, actions like brokerage, marketing, speculation, and the criteria to define places for undertakings and final products, show how close they are to the housing market production. As a matter of fact, this short distance explains why the self-financed cooperative production for social interest housing is still limited. This reinforces the theory that it is necessary to define and implement a subsidized housing policy to serve the low-income Brazilian population
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This work aims to study the institucional environment for the implementation of financing policies directed to familiar agriculture. The central hypothesis is that, although all changes occured in the credit norms, in order to reduce the existing obstacles for the access of outsiders, the same institucional arrangement remains which gave support to the modernization - crystallizer of strengthening structures of this exclusion. The most relevant pressuposition is that the poor agriculturists are the most displayed to the institucional limitations. The concepts of institucional arrangements and environments used in this work had been constructed with support of the institucional school, contemplating itself the economic dimension, the organizational sociology and political science. In the relation of the institucional changes with the state performance, the theorist reading was important that reflect on the relative autonomy of the State and studious of the Brazilian State. The empirical part consisted of a research which had been applied questionnaires with benefited and non-benefited agriculturists with PRONAF B, in thirteen cities of Rio Grande do Norte. In each city, interviews with four of its main mediators had been carried out. The research results had ratified the hypothesis of the work of that the conception of the public policies does not take in account the institution role in the behavior and the choices of the individual and collective agents, inferring itself that this policy, as others, lacks of mediation that exceed the rationality of legal landmarks
Resumo:
O objetivo do trabalho propor um estudo sobre a relao do Programa Nacional de Crédito Fundirio - PNCF, no estado do Rio Grande do Norte, e sua concentrao fundiria. Ou seja, se o PNCF est sendo direcionado, para as microrregies que apresentam maior ndice de concentrao, de acordo com o ndice de Gini, e se as reas adquiridas atravs do crédito fundirio esto emergindo nestas microrregies. Para isto, o estudo levantou a hiptese de que o PNCF no estado do Rio Grande do Norte no est sendo conduzida, de modo a reduzir a concentrao fundiria, dentre as microrregies do estado. Ou seja, no existe correlao entre o ndice de Gini, da concentrao fundiria, e as reas adquiridas atravs do programa. Alm disso, o trabalho buscou realizar uma discusso da literatura sobre os programas de reforma agrria assistida pelo mercado. Apresentando os autores que so exaltadores do modelo e das suas potencialidades, atrelando as causas dos problemas levantados como sendo de ordem tcnica e operacional, onde os principais autores desta linha so: Van Zyl, Kirsten & Binswanger, (1996), Deininger & Binswanger, (1999). Tm-se tambm a apresentao da posio dos autores adeptos as polticas fundirias pautadas na dinmica e liberao dos mercados de terras, mas que visam contribuir com estudos que permitam uma reduo para o custo elevado e a sua incapacidade de abarcar a esfera social, em decorrncia do pagamento vista e a preo de mercado aos donos das terras, so eles: De Janvry & Sadoulet (2002), Gordillo (2002), Banerjee (1999), Jaramillo (1998) e Burki & Perry (1997). Todavia, apresentou-se a corrente de autores que ressalta a natureza socialmente agressiva da Reforma Agrria Assistida pelo Mercado (RAAM), sendo os seus principais contribuidores: El-Ghonemy (2001); Barros, Schwartzman & Sauer (2003); Borras Jr. (2006, 2003 e 2003a); Garoz et al. (2005); Sauer & Pereira (2006); Pereira (2005, 2006 e 2010); Sauer (2010); Lahiff, Borras Jr. & Kay (2007). Em sequncia, o trabalho apresentou a transio e caractersticas dos programas de acesso terra, no Brasil, a partir da dcada de 1990, bem como, alguns indicadores do PNCF, no Brasil e o estado do Rio Grande do Norte. Apresentou-se tambm os indicadores da concentrao fundiria, no Brasil e no estado. Atravs dos dados do Censo Agropecurio de 2006 foi possvel calcular o ndice de Gini da distribuio fundiria nas microrregies no estado do Rio Grande do Norte. Com os dados fornecidos pela Secretaria de Estado de Assuntos Fundirios e de Apoio Reforma Agrria - SEARA mostrou-se a distribuio das linhas de crédito do PNCF e as reas adquiridas, entre os anos de 2006 e 2012. Por fim, o valor do coeficiente de correlao simples (r) igual a (0,2865), que com base no teste bilateral da distribuio de t de Student chegou-se no resultado para T calculado no valor de (1,2333), que ao ser comparado com o valor de T crtico igual a (2,898), com 17 graus de liberdade, a um nvel de significncia de 1%, pode aceitar a hiptese de partida, ou seja, que o PNCF no estava sendo direcionado para diminuir a concentrao fundiria no estado
Resumo:
This work presents a cooperative navigation systemof a humanoid robot and a wheeled robot using visual information, aiming to navigate the non-instrumented humanoid robot using information obtained from the instrumented wheeled robot. Despite the humanoid not having sensors to its navigation, it can be remotely controlled by infra-red signals. Thus, the wheeled robot can control the humanoid positioning itself behind him and, through visual information, find it and navigate it. The location of the wheeled robot is obtained merging information from odometers and from landmarks detection, using the Extended Kalman Filter. The marks are visually detected, and their features are extracted by image processing. Parameters obtained by image processing are directly used in the Extended Kalman Filter. Thus, while the wheeled robot locates and navigates the humanoid, it also simultaneously calculates its own location and maps the environment (SLAM). The navigation is done through heuristic algorithms based on errors between the actual and desired pose for each robot. The main contribution of this work was the implementation of a cooperative navigation system for two robots based on visual information, which can be extended to other robotic applications, as the ability to control robots without interfering on its hardware, or attaching communication devices
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In this work we study a new risk model for a firm which is sensitive to its credit quality, proposed by Yang(2003): Are obtained recursive equations for finite time ruin probability and distribution of ruin time and Volterra type integral equation systems for ultimate ruin probability, severity of ruin and distribution of surplus before and after ruin
Resumo:
A partir do edifcio terico braudeliano investiga-se as modalidades de crédito praticadas na cafeicultura paulista, bem como as hierarquias que caracterizaram o seu funcionamento e organizao. Lista-se neste artigo uma srie de operaes de crédito captadas por fontes documentais de diferentes naturezas, buscando subsidiar a discusso sobre a diversidade das formas de obteno de crédito no espao em questo. O ponto de nosso argumento que o interior do estado, especializado na produo de caf, joga papel fundamentalmente subordinado na hierarquia e na cadeia do crédito, dominada pelo grande capital cafeeiro, sendo que os mecanismos de concentrao da riqueza e das oportunidades se situam mais destacadamente na capital paulista, que, por sua vez, tambm ocupa posio subordinada em relao aos principais centros capitalistas.
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This article turns on the importance of the small coffee production in the coffee complex economy between 1890 and 1914. We argue here the relations of work, the forms of financing and the way as the small coffee production inserts itself in this universe. We use as priority sources the employment contracts that involved the formation and/or the treatment of coffee trees and the Writes of mortgage debts, both recorded in Notarial Books, documents not used by historiography in a systematical way. We turns our look for a region marked predominantly for small and the middle producing farms of coffee, observing the dynamics of the accumulation in a period of expansion and crisis of the coffee economy.
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