837 resultados para Savings and loan associations.
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This paper studies the long-run impact of HIV / AIDS on per capita income and education. We introduce a channel from HIV / AIDS to long-run income that has been overlooked by the literature, the reduction of the incentives to study due to shorter expected longevity. We work with a continuous time overlapping generations mo deI in which life cycle features of savings and education decision play key roles. The simulations predict that the most affected countries in Sub-Saharan Africa will be in the future, on average, a quarter poorer than they would be without AIDS, due only to the direct (human capital reduction) and indirect (decline in savings and investment) effects of life-expectancy reductions. Schooling will decline on average by half. These findings are well above previous results in the literature and indicate that, as pessimistic as they may be, at least in economic terms the worst could be yet to come.
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As indústrias criativas são hoje um tema de intenso debate na literatura acadêmica internacional e nas organizações públicas e governamentais. Essas indústrias nasceram como um conceito conciliador entre as indústrias culturais tradicionais, as artes criativas e as novas tecnologias de informação. O objetivo desta pesquisa foi fazer um levantamento bibliográfico sobre o tema e um mapeamento de um core dessas indústrias no país e no Estado de São Paulo. Para a realização deste mapeamento, utilizou-se de informações provenientes de fontes secundárias, como de relatórios de institutos de pesquisa, listas telefônicas e órgãos de classe. Os resultados apontam para um desenvolvimento mais pronunciado das indústrias criativas focadas em produção de bens culturais de massa, como Televisão e rádio, bem como, menos expressivamente porém, em audiovisual. No Estado de São Paulo, apenas 1,0% do PIB está associado às atividades das indústrias criativas, com esperada concentração na capital e região metropolitana. Este relatório aponta ainda algumas linhas de pesquisas futuras sobre o tema.
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De acordo com dados de 07.10.2014 da Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais – ANBIMA, no acumulado em 12 meses, entre aplicações, resgates e captações, a indústria de fundos movimentou mais de 11 bilhões de reais no Brasil. É um volume financeiro considerável, fazendo dos fundos de investimento importantes instrumentos de captação de poupança e de direcionamento de recursos para os mais diversos projetos de financiamento da economia. Além disso, as quebras de determinados conglomerados financeiros no Brasil nos últimos anos envolvendo fundos administrados e geridos por sociedades pertencentes a esses conglomerados colocou em evidência a importância de regras e estudos direcionados à relação entre o administrador-gestor e o cotista de fundos de investimento. De fato, pesquisa conduzida ao longo dos anos de 2013 e 2014 demonstrou que acadêmicos, reguladores e demais participantes do mercado de valores mobiliários possuem poucos estudos que possam assisti-los na solução de problemas relativos a essa relação, inclusive diante de situações envolvendo conflitos de interesses entre administradores-gestores e cotistas. Assim, diante da importância econômica dos fundos de investimento para o Brasil, da relevância dos direitos dos investidores dentro da indústria de fundos, e também em razão da escassez de estudos, este trabalho tem por finalidade realizar investigação teórica e empírica sobre a relação fiduciária entre o administrador, o gestor e os respectivos cotistas dos fundos de investimento. Dessa forma, o objetivo será identificar a origem, as características essenciais dessa relação, os riscos que ela pode trazer para o investidor e os deveres que ela impõe aos administradores e gestores. Para tanto, propõe-se avaliar a origem histórica da relação fiduciária e os fundamentos teóricos que a suportam aplicados aos fundos de investimento nos Estados Unidos e no Brasil. Com base nesse conhecimento teórico e sob o enfoque dos deveres fiduciários aplicáveis aos administradores e gestores, parte-se para a avaliação das normas de conduta contidas nas instruções da Comissão de Valores Mobiliários (CVM), visando testar as características da relação fiduciária diante das regras da CVM. Por fim, realiza-se estudo sobre casos em que administradores e gestores foram condenados por quebra na relação fiduciária e por inobservância de deveres específicos embutidos nas normas de conduta avaliadas anteriormente. Com fundamento nos estudos teóricos e empíricos descritos, conclui-se que existem características essenciais na configuração de uma relação fiduciária entre o administrador-gestor e o cotista de fundos de investimento e que, uma vez formada essa relação, administradores e gestores obrigam-se a observar o cumprimento de deveres de diligência e de lealdade perante o cotista. Igualmente, ainda é possível afirmar que as normas da CVM de fato instituem a relação fiduciária entre o administrador-gestor e o cotista de fundos de investimento, bem como os deveres fiduciários conexos a essa relação.
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O objetivo deste estudo é analisar as durações das carteiras de renda fixa dos fundos previdenciários, que são paradoxalmente curtas em relação aos objetivos de longo prazo inerentes à previdência, e os eventuais efeitos dos incentivos de permanência existentes nos planos coletivos instituídos, como o custeio do instituidor e regras de desligamento – vesting – no alongamento dessas carteiras. Como forma de sobrepujar as dificuldades da observação direta dos prazos de alongamento das carteiras dos fundos analisados, foi proposto um índice de alongamento calcado na Análise de Estilo Baseada nos Retornos desenvolvida por SHARPE (1992) empregando-se as componentes principais dos Índices de Duração Constante da Anbima (IDkA) para a avaliação da sensibilidade dos retornos mensais dos fundos analisados às curvas de juros real e nominal. Os resultados obtidos não mostram evidências de que os fundos que recebem recursos exclusivamente de planos instituídos apresentem duração maior do que daqueles que recebem recursos de planos individuais e coletivos averbados. Por outro lado, os fundos classificados como “Previdência Data Alvo” pela Anbima destacam-se por apresentar índices de alongamento maiores frente à média dos fundos classificados como “Previdência Renda Fixa” ou “Previdência Balanceado” e correlação positiva entre seus índices de alongamento e Ano Alvo do fundo, o que sugere que políticas que trabalhem o conjunto de informação dos agentes, investidores e gestores, são capazes de modificar a alocação dos investimentos. Basta informação para melhorar a alocação.
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Muitos estudos têm indicado a importância das microfinanças para a redução da pobreza e desigualdades sociais, incluindo o empoderamento feminino. Neste contexto, este trabalho teve como objetivo geral analisar o empoderamento das clientes de uma instituição de microfinanças – o Banco do Povo Crédito Solidário (BPCS), em Santo André (SP). Foi classificada como uma pesquisa qualitativa, descritiva e do tipo grounded theory e estudo de caso. Foram realizadas 10 visitas de campo a microempresárias e dois grupos focais com grupos solidários da instituição. Também foram entrevistados gestores e agentes de crédito. Foi realizada análise de conteúdo com auxílio do quadro teórico utilizado sobre de empoderamento econômico, social e individual. Os principais resultados mostram a crescente capacitação econômica no âmbito da aprendizagem do empreendedorismo, conhecimento em microfinanças e do seu próprio negócio. Por estes motivos, percebemos o aumento da interação social com a comunidade. Também percebemos a emancipação das trabalhadoras, muitas delas tem emancipação econômica dos seus maridos e algumas delas são capazes de contribuir financeiramente para o agregado familiar, melhorando assim a relação com o companheiro. Finalmente, este trabalho confirma a importância das microfinanças, o efeito positivo no empoderamento para a redução da pobreza e para a promoção da equidade de gênero. A principal conclusão observada foi a melhoria do nível de educação, empoderamento, autonomia e da compreensão de sua auto-capacidade e que elas são capazes de gerir seu próprio negócio e vidas; dessa forma, como contribuição teórica, foi elaborado o mapa conceitual de empoderamento auto-sustentável.
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MATOS FILHO, João. A descentralização das Políticas de desenvolvimento rural - uma análise da experiência do Rio Grande do Norte. 2002. 259f. Tese (Doutorado em Ciências Econômicas)– Instituto de Economia da Universidade Estadual de Campinas, Campinas, 2002.
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The evolution of wireless communication systems leads to Dynamic Spectrum Allocation for Cognitive Radio, which requires reliable spectrum sensing techniques. Among the spectrum sensing methods proposed in the literature, those that exploit cyclostationary characteristics of radio signals are particularly suitable for communication environments with low signal-to-noise ratios, or with non-stationary noise. However, such methods have high computational complexity that directly raises the power consumption of devices which often have very stringent low-power requirements. We propose a strategy for cyclostationary spectrum sensing with reduced energy consumption. This strategy is based on the principle that p processors working at slower frequencies consume less power than a single processor for the same execution time. We devise a strict relation between the energy savings and common parallel system metrics. The results of simulations show that our strategy promises very significant savings in actual devices.
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The metabolic syndrome (MetS) involves a group of risk factors and is associated with a significantly higher risk of developing cardiovascular diseases (CVD) and type 2 diabetes. Recent studies have shown the importance of preventing CVD through early diagnosis and treatment of patients with MetS. The objective of our study was to determine the prevalence of MetS by different diagnostic criteria in postmenopausal women and analyze the influence of socioeconomic factors on cardiovascular risk in this sample of the population. A cross-sectional study involving 127 postmenopausal women (45 to 64 years) from Natal and Mossoró, Brazil. The study was approved by the Research Ethics Committee of the Federal University of Rio Grande do Norte. The experimental protocol consisted of applying structured interview, clinical examination and implementation of dosages blood. The diagnosis of MetS was based on NCEP-ATP III (National Cholesterol Education Program-Adult Treatment Panel III) and IDF (International Diabetes Federation) criteria. The research was accomplished with the participation of an interdisciplinary team in their several phases. The result of the sample studied had mean age of 53.9 ± 4.6 years and per capita income of 54.5 dollars. The prevalence of MetS, according to NCEP-ATP III and IDF criteria, was 52.8% and 61.4$, respectively. The agreement rate between NCEP-ATP III and IDF criteria was 81.9%, with a kappa value of 0.63 (CI 95%, 0.49-0.76), indicating good agreement between the two definitions. The most prevalent cardiovascular risk factor was HDL < 50 mg/dl, observed in 96.1% of the women analyzed, followed by increased waist circumference (≥ 80 cm) in 78.0%, elevated blood pressure in 51.2%, triglycerides ≥ 150 mg/dl in 40.9% and glycemia ≥ 100 mg/dl in 37.0% of the women. The occurrence of MetS was significantly associated with schooling and body mass index (BMI). High blood pressure was significantly associated with low family income, low schooling and weight gain. There was no significant association between the intensity of climacteric symptomatology and the occurrence of MetS. The conclusions of the research were that MetS and its individual components show a high prevalence in postmenopausal Brazilian women, and significant associations with weight gain and low socioeconomic indicators. The data point to the need for an interdisciplinary approach at the basic health care level, directed toward the early identification of risk factors and the promotion of cardiovascular health of climacteric women.
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This work discusses how schooling processes can contribute to young settlers resignify their relationship with rural settlements where they live. We want to understand youngster s place, his relationship with local community, social movements and their acting, after formation, at their localities. Thereunto, we tracked a group of students of Land Teaching Course, developed through a partnership between UFRN, INCRA and MST in the years 2004 to 2007. We observed their trajectories, the learnings provided by the Course and how Formation Centre experiences contributed to their agent conditions, offering them choice opportunities on different fields. We understand that formation process enabled them to have individual gains, widening their range of choices, while have contributed to development of areas in which they live, from their collective action. Social practices experienced in collective environment, combined with education access, provided a set of knowledge. These learnings have enabled youngsters to assume positions in participation areas which have been opened at school, while teachers, at social movements and at associations that manage the settlements
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Objetivou-se com estse trabalho avaliar o controle químico de diferentes populações de capim-amargoso (Digitaria insularis) pelo herbicida glyphosate por meio de curva de dose-resposta, além de propor tratamentos alternativos para as populações mais tolerantes. O delineamento experimental foi o de blocos ao acaso, com quatro repetições, em esquema fatorial 5 x 9. As sementes de capim-amargoso foram coletadas em cinco locais: área de produção de grãos da Fazenda de Ensino, Pesquisa e Produção da UNESP, Jaboticabal (SP); área de produção comercial de grãos, localizada nos municípios de Campo Florido-MG e Rio Verde-GO; pomar de laranja, localizado no município de Matão (SP); e área não agrícola sem histórico da aplicação de glyphosate (Jaboticabal-SP). O glyphosate (0D, 1/4D, 1/2D, D, 2D, 4D e 8D, em que D é a dose recomendada de 1,5 kg ha-1 de equivalente ácido) e as suas associações [glyphosate + fluazifop-p-butil (1,5 + 0,25 kg ha-1) e glyphosate (1,5 kg ha-1) com sequencial de diuron + paraquat (0,20 + 0,40 kg ha-1 + 0,2% de surfatante)] foram pulverizados em plantas de sete a oito perfilhos e altura média de 20 cm. As populações de capim-amargoso de Campo Florido e Rio Verde foram consideradas suscetíveis; as de Jaboticabal e Matão, tolerantes; e a da área não agrícola, de sensibilidade intermediária. A associação de glyphosate ao fluazifop ou a sua aplicação com sequencial de diuron + paraquat foram eficazes no controle das populações mais tolerantes de capim-amargoso.
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The educational reform of the 90 s was tainted by the objectives of the fiscal adjustments, resulting in the redefinition of the state s role in the financing and offering of teaching services, and bringing about a shuffling of the responsibility between the public and private sectors to promote education to young people and adults. The 90 s also highlighted the proliferation of providers and the multiplication of Educational Programs for Youths and Adults (EJA), implemented through partnerships between governmental and nongovernmental agencies. During this period of time, the agenda of educational responsibilities concerning analphabetism was organized in a process of decentralized of the state, with the following political, social, and economic objectives: to reduce the public deficit, increasing public savings and the financial capacity of the state to concentrate resources in areas considered indispensable to direct intervention; to increase the efficiency of the social services moffered or funded by the state, giving citizens more at a lower cost, and spreading services to more remote areas, expanding access to reach those most in need; to increase the participation of citizens in public management, stimulating communitarian acts as well as developing efforts towards the effective coordination of public figures in the implementation of associated social services. Thus, Assistance Programs co-financed by the government try to deal with the problem of analphabetism. Within the sphere of the 90 s educational policy decentralization, we come to see how the agenda dedicated to the reduction of analphabetism was formed by the Solidarity Alphabetization Program (PAS). Between 1997 and 2003, the latter agenda s decentralizing proposal was integrated in the management partnership for the operationalization of tasks and resources faced with the execution of the formal objectives. In this study, we identify the dimensions of the implantation and progress of the tasks carried out by PAS, in the municipality of Lagoa de Pedras/RN. However, we consider these Programs to assist in the process without guaranteeing the reduction of the causes or substituting the responsibility of the system once the monetary resources for program maintenance provided by the partners is exhausted
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Nowadays, where the market competition requires products with better quality and a constant search for cost savings and a better use of raw materials, the research for more efficient control strategies becomes vital. In Natural Gas Processin Units (NGPUs), as in the most chemical processes, the quality control is accomplished through their products composition. However, the chemical composition analysis has a long measurement time, even when performed by instruments such as gas chromatographs. This fact hinders the development of control strategies to provide a better process yield. The natural gas processing is one of the most important activities in the petroleum industry. The main economic product of a NGPU is the liquefied petroleum gas (LPG). The LPG is ideally composed by propane and butane, however, in practice, its composition has some contaminants, such as ethane and pentane. In this work is proposed an inferential system using neural networks to estimate the ethane and pentane mole fractions in LPG and the propane mole fraction in residual gas. The goal is to provide the values of these estimated variables in every minute using a single multilayer neural network, making it possibly to apply inferential control techniques in order to monitor the LPG quality and to reduce the propane loss in the process. To develop this work a NGPU was simulated in HYSYS R software, composed by two distillation collumns: deethanizer and debutanizer. The inference is performed through the process variables of the PID controllers present in the instrumentation of these columns. To reduce the complexity of the inferential neural network is used the statistical technique of principal component analysis to decrease the number of network inputs, thus forming a hybrid inferential system. It is also proposed in this work a simple strategy to correct the inferential system in real-time, based on measurements of the chromatographs which may exist in process under study
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Recently, capuchin monkeys (Cebus spp.) inhabitants of dry environments and with restriction of fleshy fruits, have been the subject of several studies regarding the use of instruments. During behaviour of using stones to crack open nuts there is evidence of selection of more effective hammers, as well as selection of anvils related to reducing the risk of predation. The aim of this study was to determine whether two groups of capuchin monkeys (C.flavius and and C.libidinosus) inhabitants of the Caatinga of Rio Grande do Norte make choice of hammers and anvils. The record of weight and location of stones indicated active choices of with what (choice of hammers) and where (selection of anvils) to crack open encapsulated seeds. The choice of hammers to break nuts depended on the type and degree of ripeness seed. Thus, smaller seeds were smashed with lighter hammers and larger seeds with heavier hammers. Still, C. flavius was the only species that presented a refinement in the choice of hammers that depended on the ripeness of seeds. For both species of capuchin monkeys studied, the nut-crack sites were not spread in accordance with the spatial distribution of seed-producing species, suggesting that the capuchin monkeys promote active choice of anvils. Thus, in environments with more escape routes through the trees, the nut-crack sites were found further apart than in regions that had less chance of escape through the trees. Also, there was a difference in the spacing of the anvils to depend on the type of seed: sites used to crack larger and more caloric seeds were found farther apart than the sites used to crack smaller and less caloric seeds, suggesting a pattern of avoiding direct competition. We conclude that the capuchin monkeys maximize energy savings and reduced risk of predation and the costs of food competition during the behaviour of using stones to crack open nuts
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Water scarcity is a reality for the inhabitants of the Brazilian semiarid region. The problem, in quantitative terms , is caused due to local climatic conditions due mostly to a water deficit. Qualitatively, results of multiple uses and resulting contamination by human activities. Eutrophication is presented as a threat to the sustainable use of water resources, in order to favor the predominance of dense populations of cyanobacteria, which can be potentially harmful to human health. The aim of this study is to understand the population dynamics of phytoplankton and cyanobacteria to assess water quality of reservoirs Santa Cruz do Apodi and Pau dos Ferros belonging to bacia Apodi Mossoró-RN . Water samples were collected monthly between October 2011 and May 2012 in reservoirs Santa Cruz do Apodi and Pau dos Ferros, in this latter , in Jan/12 we performed a diel profile . The abiotic variables obtained in the field and in the laboratory were: water temperature , dissolved oxygen , pH , turbidity , transparency , total nitrogen and total phosphorus . Phytoplankton samples were collected with a plankton net and bottle of Van dorn . Were performed : identification , quantification , calculation of biovolume , classification into functional groups and index calculation phytoplankton assembly ( Q ) , cyanotoxins were quantified by ELISA . Statistical analyzes supported the evaluation of the dynamics between biotic and abiotic factors. A questionnaire was conducted to examine the conceptions of the population, education professionals and students. The reservoir of Pau dos Ferros, shallow , turbid and eutrophic showed dominance of the functional group SN throughout the sample period . The phytoplankton biomass ranged from 20 to 70 mm ³ . L - 1, the lowest values coincided with the increase of the mixing zone and transparency, which contributed to the occurrence of a change in species composition phytoplankton . The application of the index Q proved relevant, the reservoir of Pau dos Ferros , depending on the species present , was classified ecologically as bad for almost the entire sample period . The reservoir Santa Cruz do Apodi showed low biomass ( 0.04 and 4.31 mm ³ . L - 1 ) and greater diversity in the phytoplankton composition . According to the index assembly (Q ), it showed moderate condition during most of the period influenced by different functional groups of typical meso- eutrophic environment (K S0, H1, C, F , J , E, D and N) . Associations of diatoms and green algae D and X1 succeeded populations of cyanobacteria in periods marked by greater instability in the system , caused by wind or rain. In summary , the occurrence of drought has a direct influence on the hydrological conditions of the reservoirs , in general, these events, reducing the reservoir level is directly related to decreased water quality and increased density of phytoplankton occurring predominance of cyanobacteria , the index Q reflected well to changes in phytoplankton composition , being a good indicator for biomonitoring of reservoirs in this study and survey of previous conceptions showed the need to work on environmental awareness for the preservation of water resources by conducting workshops for Environmental Education
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This study consists of a study on the presence of relationship between social capital and solidarity groups to endorse the Center for Support to Small Businesses - CEAPE - PI, the capital was measured by confidence levels and associations, considering trust as the expectations want, and learned associations between people and how the interactions among members within a group and between groups. The central research question seeks to identify whether there are linkages between the levels of social capital and the profile of members of the solidarity group CEAPE-PI. The overall objective is to analyze the level of social capital and whether these vary with the change in the profile of the solidarity group members. The method adopted in perspective cross-examined the level of social capital found in 300 of solidarity group members, collected through a survey research related to the profile of the solidarity group members, obtained with the CEAPEPI. The data show that micro-credit groups have relatively high levels for most variables, but to relate to the profile of microcredit results demonstrate the interesting points of analysis