O novo federalismo social e o Rio: desenho de programas complementares de transferência de renda condicionada

Brazilian public policy entered in the so-called new social federalism through its conditional cash transfers. States and municipalities can operate together through the nationwide platform of the Bolsa Familia Program (BFP), complementing federal actions with local innovations. The state and the city of Rio de Janeiro have created programs named, respectively, Renda Melhor (RM) and Família Carioca (FC). These programs make use of the operational structure of the BFP, which facilitates locating beneficiaries, issuing cards, synchronizing payment dates and access passwords and introducing new conditionalities. The payment system of the two programs complements the estimated permanent household income up to the poverty line established, giving more to those who have less. Similar income complementation system was subsequently adopted in the BFP and the Chilean Ingreso Ético Familiar, which also follow the principle of estimation of income used in the FC and in the RM. Instead of using the declared income, the value of the Rio cash transfers are set using the extensive collection of information obtained from the Single Registry of Social Programs (Cadastro Único): physical configuration of housing, access to public services, education and work conditions for all family members, presence of vulnerable groups, disabilities, pregnant or lactating women, children and benefits from other official transfers such as the BFP. With this multitude of assets and limitations, the permanent income of each individual is estimated. The basic benefit is defined by the poverty gap and priority is given to the poorest. These subnational programs use international benchmarks as a neutral ground between different government levels and mandates. Their poverty line is the highest of the first millennium goal of the United Nations (UN): US$ 2 per person per day adjusted for the cost of living. The other poverty line of the UN, US$ 1.25, was implicitly adopted as the national extreme poverty line in 2011. The exchange of methodologies between federal entities has happened both ways. The FC began with the 575,000 individuals living in the city of Rio de Janeiro who were on the payroll of the BFP. Its system of impact evaluation benefited from bi-monthly standardized examinations. In the educational conditionalities, the two programs reward students' progress, a potential advantage for those who most need to advance. The municipal program requires greater school attendance than that of the BFP and the presence of students’ parents at the bimonthly meetings held on Saturdays. Students must achieve a grade of 8 or improve at least 20% in each exam to receive a bi-monthly premium of R$50. In early childhood, priority is given to the poor children in the program Single Administrative Register (CadÚnico) to enroll in kindergarten, preschools and complementary activities. The state program reaches more than one million people with a payment system similar to the municipal one. Moreover, it innovates in that it transfers awards given to high school students to savings accounts. The prize increases and is paid to the student, who can withdraw up to 30% annually. The total can reach R$3,800 per low-income student. The State and the city rewarded already education professionals according to student performance, now completing the chain of demand incentives on poor students and their parents. Increased performance is higher among beneficiaries and the presence of their guardians at meetings is twice compared to non beneficiaries; The Houston program, also focuses on aligning the incentives to teachers, parents and students. In general, the plan is to explore strategic complementarities, where the whole is greater than the sum of its parts. The objective is to stimulate, through targets and incentives, synergies between social actors (teachers, parents, students), between areas (education, assistance, work) and different levels of government. The cited programs sum their efforts and divide labor so as to multiply interactions and make a difference in the lives of the poor.

Informational synergies in consumer credit

Lenders can tap into multiple sources of private information to assess consumer credit risk but little is known about the informational synergies between these sources. Using unique panel data on checking accounts and credit card accounts from the same customers during 2007-2014, we find that activity measures from both account types contain information beyond credit scores and other controls. Checking accounts display warning indications earlier and more accurately than credit card accounts. We also investigate the consistency of information, the reasons for defaults, and selection effects. The evidence highlights sizeable informational synergies that lenders can use to manage credit relationships.

Fidelidade ao cartão de crédito em troca de milhas aéreas: um estudo empírico desta relação no mercado brasileiro

No competitivo mercado brasileiro de cartão de crédito, a presença de um programa de fidelidade pode ser uma atividade de marketing relevante para os bancos reterem os seus clientes. No entanto, em um cenário com vários programas de fidelidade similares, é necessário que os bancos encontrem formas eficazes de estimular as intenções do cliente em direção ao uso continuado do seu cartão. Estes programas são comumente requisitados por clientes que procuram trocar pontos (milhas) por passagens aéreas. As milhas aéreas são recompensas ofertadas pelo banco, porém, envolvem elevados custos e são controladas por empresas intermediárias que também buscam a fidelidade deste cliente para si. Em um mercado ainda em desenvolvimento no tema, existe a barreira dos clientes não conhecerem as dinâmicas dos programas e não entenderem o resgate (troca) como um esforço do banco para premiá-lo. Neste contexto, torna-se importante que os bancos compreendam os fatores que mais influenciam a associação de marca do cliente e a fidelidade ao seu cartão. O presente trabalho propõe identificar estes fatores através da aplicação de uma survey com uma amostra de usuários de cartão de crédito participantes de programas de fidelidade. O estudo identificou que, na visão do portador do cartão, a atratividade do programa, o conhecimento sobre programa, os custos de troca percebidos e a preferência por milhas como recompensa são fatores que o banco deve considerar se quiser obter melhores associações à sua marca no âmbito do processo de resgate de milhas. Verificou-se que a associação de marca não é um elemento necessário para se atingir a fidelidade do cliente, contudo, sugere-se que a marca possa, além de ajudar no processo de fidelização, aproximar o cliente do banco e possivelmente apresentá-lo a outros produtos, alavancando assim os resultados do banco.

Escolhas individuais e bem-estar financeiro: três ensaios utilizando microdados

Como orientar políticas públicas de modo a promover o bem-estar da população? Para responder a essa questão a comunidade acadêmica tem enfocado a necessidade de se conhecer melhor as escolhas de consumo individuais. Essa tendência encontra apoio no número, cada vez maior, de bases de microdados disponibilizadas pelos órgãos governamentais e iniciativa privada. O presente trabalho analisa as escolhas dos brasileiros com relação às decisões de financiamento e de oferta de trabalho. O estudo é dividido em três ensaios empíricos distintos. Como a contratação de crédito em mercados informais é motivada pelo déficit de educação financeira é o foco do primeiro ensaio. Considerando mais de 2.000 observações sobre tomadas de crédito, utiliza-se um modelo logit multinomial para estimar a propensão à tomada de crédito na informalidade em contraste com o crédito bancário. Os resultados indicam que a educação financeira pode ter uma relevância maior para a seleção de financiamentos informais do que a restrição de crédito. O segundo ensaio analisa o comportamento de uso de cartões de crédito dentre 1.458 jovens adultos residentes no Brasil, EUA ou França. Um modelo de equações estruturais é utilizado para incorporar relações entre as variáveis latentes. O modelo validado pelo estudo representa uma situação em que o bem-estar financeiro é afetado pela forma com que o indivíduo utiliza o cartão de crédito que, por sua vez, é afetado pelo sentimento de comparação social e pela autoconfiança financeira, essa última sendo impactada também pela educação financeira recebida dos pais. Na comparação entre grupos encontramos evidências de que a comparação social tem um efeito mais forte sobre os jovens brasileiros e que homens são mais dependentes da educação dos pais do que as mulheres. No último ensaio a população pobre brasileira é analisada em relação a um suposto efeito preguiça, que seria causado pela diminuição de oferta de trabalho das famílias que recebem o benefício financeiro do governo via o Programa Bolsa Família. Um modelo de sobrevivência foi usado para comparar a duração no emprego entre beneficiários do programa e um grupo controle, utilizando uma base de dados com mais de 3 milhões de indivíduos. A hipótese de um efeito preguiça é rejeitada. O risco de desligamento do emprego para os beneficiários do Bolsa Família é medido como sendo de 7% a 10% menor, o que é capaz de anular, por exemplo, o maior risco de saída do emprego causado pela presença de filhos pequenos na composição familiar. Uma vez que a rotatividade no emprego dificulta o recebimento de aposentadorias por tempo de contribuição, pode-se concluir que o programa de transferência de renda brasileiro terá um impacto positivo sobre o bem-estar financeiro futuro do trabalhador.

A decisão de consumo marginal baseado no aumento do limite de crédito

No Brasil os emissores de cartão de crédito realizam periodicamente aumento de limites do cartão, para clientes que possuem bom comportamento creditício. O objetivo do nosso estudo é analisar os efeitos desse aumento no uso que o cliente tem do seu cartão, com a hipótese de que o cliente passará a utilizar mais o cartão, seja por anchoring, visto que ele se importa em sempre ter uma reserva de limite para eventuais emergências, ou por se sentir priorizado pelo banco, ou até mesmo por demanda reprimida de crédito. Para isso, analisamos uma base de aumento de limite, com grupo de teste e controle, de clientes selecionados para aumento de limite, e observamos que o aumento fez com que os clientes aumentassem seus gastos, seu saldo devedor, passaram a fazer mais transações e timidamente passaram a rotativar. Após observar esses efeitos, dividimos o grupo em dois: Clientes com utilização média menor ou igual a 50% antes da ação e clientes com utilização média maior que 50% antes da ação. Para os clientes do teste dos dois grupos observamos um aumento no gasto mensal, no número de transações mensal, no saldo devedor e no número de clientes rotativando. Essa diferença foi maior no grupo de maior utilização pré tratamento, mas mesmo clientes que inicialmente pareciam ter uma demanda de crédito menor, mostraram-se sensíveis a utilizar mais devido ao aumento do limite.

A comparative study of the credit card market dynamics in Mexico and Brazil

This research analyzes and compares the attractiveness of the Brazilian and Mexican credit card markets from a financial firm’s perspective. The market dynamics in Latin America’s two economic powerhouses are fleshed out with qualitative and quantitative data, using a strategic framework to structure the analysis. Since its adoption by both countries in 1956, credit card usage has experienced many years of double digit growth. However, penetration levels remain low compared with most developed countries. Brazil has a more developed credit card infrastructure, with more potential profit, and issuers might face fewer competitive challenges.  Alternatively, Mexico, is witnessing a more favorable economy, a friendlier business and regulatory environment, combined with fewer financial products that compete with the credit card. Therefore, this paper concludes that Brazil and Mexico both offer market opportunities for credit card companies that can navigate the different technological, demographic, macroeconomic, and regulatory shifts in each country.

Formação moral das crianças: construção de regras fundamentais aos valores do Movimento dos Trabalhadores Rurais Sem Terra (MST)

The acquiring process of morals on a person is one of the most important aspects of his Social Identity. The basis for his ethics and moral choices are built when he interacts with the world. A child that interacts with participants of Movimento Sem Terra (MST) movement that fights for the Land Reform and the transformation of the society may have the opportunities to acquire the culture, morals and ethics of this movement. Based on this understanding, this work intends to comprehend how children think and incorporate the rules that are the base of the values and principles of MST, considering the diversity of the situations, the limits and the possibilities to experience these values in their everyday life in the Movement. To understand how the process of cognitive construction of the rules takes place in a child, it is important to consider the theories of Jean Piaget. According to him, morals development follows a sequence: the anomie (0 to 2 years old), marked by the absence of rules; the heteronomy (2 to 6/7 years old), where takes place the adoption of rules due to exterior obedience, such as a relative, an institution or a movement; and the autonomy (from 6/7 years old on), in which rules are considered legitimate. All the children in this research have relatives working at MST. The research has two parts. We have first observed the behavior of three groups of children (beyond six years old) while they were involved on their normal activities (kindergarten) activities. On the second moment, we have interviewed 20 children (between 3 and 10 years old). We used flashcards containing scenes; we also told stories and asked moral questions involving the character s behavior. We have noticed the unilateral respect and extern coercion are between the definers of the moral decisions of a child. The empathy and the reduction of the egocentrism help seeing the situation of the point of view of other, although it doesn t mean that one is going to accept others point of view. In the taking decision of the child other factors are also considered such as the space of socialization (family, school). Though the children don t work or take part at MST activities, they have already opinions about involved people behaviors. The interaction with relatives and teachers is one of the most important aspects to encourage them elaborate moral understandings according to the ethics of this movement

Alimento como metáfora, metáfora como alimento : a arte de nutrir uma educação complexa

Cette narrative fait le parcours d une recherche et de ses reflexions ici annoncé comme une odissée gastronomique et une géografie gourmante , dont les elements interpretatifs rendent possible concevoir qu une lecture de la métaphore et de la stéthique alimentaire puissent contribuer pour penser une éducation sensible, complexe, une education guidée par une experimentation esthétique de la condition humaine, qui provoque les sens, qui permettent évoquer et récuperer les connaissances et les savoirs pertinents, et qui confirme l indissociabilité du sujet dans ses plusieurs poles : nature et culture, émotion et raison. Comme contribution epistémologique, la dissertation, cherche étendre la compréhension d études qui abordent le Corp, l Aliment, la Métaphore, l Esthétique et l Éducation, en déclanchant des relations entre les espaces académicien et cotidien, en expérimentant d autres formes de sentir, penser et d être dans le monde. Poussée par une raison gourmande, et comme dans un rituel de préparation d aliment, j opte par les rélations transversales des savoirs ; je construis un dialogue entre les auteurs de domaine de connaissances multiples, comme la Filosophie, l Antropologie, l Étologie et l Éducation, en travaillant une reconstruction de concepts. Pour la tâche de cette odissée gastronomique, je découvre l approche entre un programme, comme méthode, et un livre de recettes culinaires hermétiques. J ai choisi de construir des estratégies métodologiques qui indiquent les chemins sur les quelles l imagination, la créativité et la réinvention, non seulement puissent mais doivent servir comme des épiceries qui emprègne d odeurs, de saveurs et de couleurs la connaissance, sans laisser de côté la rigueur, principe inégociable dans une science ouverte. J ai choisi, pour m accompagner dans cet étude, des sages, des scientistes et des poètes, entre eux je fais remarquer Michel Onfray, Boris Cyrulnik, Merleau-Ponty, Edgar Morin e Conceição Almeida. Avec eux, j ai déssiné des cartes, goûté des géographies, des terres, des ciels. J ai fréquenter des histoires et des personnages concrets et imaginaires; j ai convoqué des souvenirs acumulés pendant l enfance, avec ses trames, ses textures, ses saveurs, ses parfuns, ses couleurs, ses images, ses gestes, ses mots et ses silences, où le corp devient un médiateur d accès à la connaissance. Comme artifice complémentaire pour suivre la route, je parie sur le rapport fondamental entre le corp, l aliment, la métaphore, l esthétique et l Éducation, je m utilise du Cinéma, en cherchant d apprendre dans cet art, une éxistentialité humaine par le rapport entre la vie, l aliment et les personnages. Finalement, je reaffirme l importance de nourir des affections par une formation et une manière de penser capables de conecté des connaissances d univers dinstingués, et qui contribuent pour une conscience de la condition humaine et l apprentissage d une éducation de la vie et pour la vie

Aquelas leituras formadoras de culturas (Caicó-RN, século XIX)

La lecture faite du livre Seridó − XIXème siècle (Fazendas & livros), des historiens Medeiros Filhos et Faria, a été ce qui a déclenché l écrit de cette thèse de doctorat. La lecture intensive de ce livre a conduit au corpus documentaire de la recherche (livres scolaires, religieux et laïques, chronique, discours, documents ecclésiastiques, inventaires, testaments, mémoires d'enfance, articles journalistiques, rapports), et aussi au corpus du référentiel théorico-méthodologique de l'histoire culturelle de la lecture, en correspondance avec Roger Chartier et Robert Darnton. Dans la rigueur de l'écriture de la thèse, la recherche relative à la thématique lecture et absorptions culturelles nous a menés à définir comme objet d'étude les pratiques culturelles appropriées pertinemment aux lectures faites, entendues, murmurées, de nombreuses fois répétées et mémorisées, de livres scolaires imprimés, religieux et laïques qui circulaient à Caicó, dans les années mille huit cents. En vue de la lecture intensive et de l'extensive, l'objectif est d analyser, d'une part, des indices d'absorptions ou appropriations culturelles des enseignements de ces pratiques de lecture et, d'autre part, les entrelacements des enseignements relatifs à l'oralité, à la lecture, à l'écrit et à la scolarisation. La thèse défendue est que l'histoire de la lecture à Caicó, au XIXème siècle, est l'histoire de la lecture faite, entendue, murmurée, répétée et, encore, mémorisée, qui, soutenue par des textes de livres scolaires, religieux et laïques, se convertissait dans la production de biens culturels spécifiques, comme des cartes, inventaires, remèdes homéopátiques et faits maison, testaments, prières fortes de cure, vers de cordel, parmi beaucoup d'autres. En commençant avec l'intention d écrire une histoire de la lecture à Caicó, au XIXème siècle, nous comprenons que les pratiques culturelles, spécialement les pratiques des coutumes seridoenses, sont, excessivement, le résultat des appropriations de lectures de textes scolaires, religieux et laïques, stimulatrices d'autres pratiques de lectures intensives et extensives. Si la lecture faite, entendue, répétée, mémorisée et reconnue est liée à des pratiques de coutumes universelles et locales, malgré cela la force de l'oralité aurait été l élément essentiel de la reproduction et de la longévité de cette lecture, ainsi que de son passage du XIXème siècle au XXème et, encore, des vestiges de certaines permanences de ce XXIème siècle. En partie, ce réseau de pratiques culturelles, reproduit par la force de la transmission orale, persiste depuis l époque de nos arrière-arrière-grand-parents

A educação destina a algumas crianças no Piauí (1730 1859)

L'histoire culturelle de l'éducation de l'enfant dans le Piauí, de l'année de 1730 à l'année de 1859, je mange écriture dans ce travail de thèse, est motivé dans l'analyse sócio-histórica de la forme scolaire à la lumière des théorisations des historiens Gui Vincent, Bernard Lahire et Daniel Thin, avec l'objectif de refléter concernant le passage d'instauration de la socialisation des enfants dans les écoles publiques, religieuses, particulières et domestiques. La recherche concernente à la thématique éducation de l'enfant dans leurs conceptions politiques et culturelles levou-em à définir, je mange objet d'étude, les manières d'instruire les enfants dans l'(s) école (s) et dans la (s) famille (s). La thèse du travail ici défendu est de que l'éducation destinée aux enfants dans le Piauí, dans la période de 1730 à 1859, était soumise aux acquisitions des habilités de lecture et d'écriture, principalement, analogue à leurs conceptions politiques et culturelles. La judicieuse recherche de corpus documentaire (licences, avertissements, troupeaux, lettres, correspondances, consultations, métiers, règlements, régiments, rapports, lois, dispositions, cartes scolaires, cartes d'inscriptions) pour l'écriture de la thèse il se procède nous quantités formulaires et digitales du Portugal, Brésil, Pará, Maranhão et Piauí. L'analyse de l'ensemble des sources nous a permis de comprendre que la socialisation scolaire de l'enfant dans le Piauí n'a pas maintenu le mêmes façons pendant cette longue période qui a été de 129 ans, malgré des récurrences, celui-là a acquis des formes et des sens divers qui variaient comme les circonstances politiques et culturelles, les exigences du commerce, les espaces et les sujets qui l'ont vécue intensément

Corporeidade e formação docente: cenário geográfico das histórias de vida

L étude vient de présenter la recherche qui a eu lieu pendent la formation des professeurs d l'Institut d'Enseignement Supérieur Président Kennedy à Natal-RN, dont les sujets son les professeurs de la septième période du Cours Normal Supérieur. L objet d´étude sont les pratiques formatives de ces professeurs en formation par des difficultés qui ils présentaient pour comprendre les relations entre les domaines de connaissance le l interface avec les expériences, et le processus de formation. L objectif a éte identifier dans l expériences ludopoèthiques, les lieus de construction de l autoterritorialité des professeus en tant qu en formation. Parmi les pressuposés théoriques qui ont soutenu le développement de la recherche comprennent: Enseignement Humain ; Corps-espace; Corporéité; Auto-formation et Transdisciplinarité. L'approche de la recherche qualitative adopte les principes de la rechercheaction- formation, dans une perspective etnophenomenologique. La discipline Memorial de Formação avec l'utilisation de jeu de sable,a été le laboratoire des expériences, l outil de la recherche qui a subventionné la construction des narratives autobiographiques. La perspective transdisciplinaire sur l'étude a rassemblé dans la dimension épistémologique les références théoriques de la Géographie, de la corporéité. et des histoires de vie dans la formation. L'Atelier Corps (Bio) Géographique a été développé par cinq rencontres: Paysage du Sensible, Lieu de Sentipensar, Territoires des Découvertes, Région des Savoirs et de l'Espace Géographique de la Ecoformação. Les expériences vécues dans l'Atelier par les participants de la recherche ont permis une sensible et attentive écoute sur leur propre histoire, en donnant la possibilité de la reconstruction de la mémoire, et en faisant réfléchir sur son l'auto-formation. La découverte des cartes et la construction d un nouveau paysage autoformatif par les memoires ludiques des différentes phases de la vie, a fait apparaître la propriété ludopoètique de l autoterriotalité, au même temps qui a enrégistré la construction ontologique dans sa corporéité

Superando os riscos da segurança baseada em perímetro - Uma abordagem com identificação federada através de certificados digitais A3/ICP-Brasil e SAML

The traditional perimeter-based approach for computer network security (the castle and the moat model) hinders the progress of enterprise systems and promotes, both in administrators and users, the delusion that systems are protected. To deal with the new range of threats, a new data-safety oriented paradigm, called de-perimeterisation , began to be studied in the last decade. One of the requirements for the implementation of the de-perimeterised model of security is the definition of a safe and effective mechanism for federated identity. This work seeks to fill this gap by presenting the specification, modelling and implementation of a mechanism for federated identity, based on the combination of SAML and X.509 digital certificates stored in smart-cards, following the A3 standard of ICP-Brasil (Brazilian official certificate authority and PKI)

Desenvolvimento formal de aplicações para smartcards

Smart card applications represent a growing market. Usually this kind of application manipulate and store critical information that requires some level of security, such as financial or confidential information. The quality and trustworthiness of smart card software can be improved through a rigorous development process that embraces formal techniques of software engineering. In this work we propose the BSmart method, a specialization of the B formal method dedicated to the development of smart card Java Card applications. The method describes how a Java Card application can be generated from a B refinement process of its formal abstract specification. The development is supported by a set of tools, which automates the generation of some required refinements and the translation to Java Card client (host) and server (applet) applications. With respect to verification, the method development process was formalized and verified in the B method, using the Atelier B tool [Cle12a]. We emphasize that the Java Card application is translated from the last stage of refinement, named implementation. This translation process was specified in ASF+SDF [BKV08], describing the grammar of both languages (SDF) and the code transformations through rewrite rules (ASF). This specification was an important support during the translator development and contributes to the tool documentation. We also emphasize the KitSmart library [Dut06, San12], an essential component of BSmart, containing models of all 93 classes/interfaces of Java Card API 2:2:2, of Java/Java Card data types and machines that can be useful for the specifier, but are not part of the standard Java Card library. In other to validate the method, its tool support and the KitSmart, we developed an electronic passport application following the BSmart method. We believe that the results reached in this work contribute to Java Card development, allowing the generation of complete (client and server components), and less subject to errors, Java Card applications.

Contribuições para verificação automática de applets javacard

The widespread growth in the use of smart cards (by banks, transport services, and cell phones, etc) has brought an important fact that must be addressed: the need of tools that can be used to verify such cards, so to guarantee the correctness of their software. As the vast majority of cards that are being developed nowadays use the JavaCard technology as they software layer, the use of the Java Modeling Language (JML) to specify their programs appear as a natural solution. JML is a formal language tailored to Java. It has been inspired by methodologies from Larch and Eiffel, and has been widely adopted as the de facto language when dealing with specification of any Java related program. Various tools that make use of JML have already been developed, covering a wide range of functionalities, such as run time and static checking. But the tools existent so far for static checking are not fully automated, and, those that are, do not offer an adequate level of soundness and completeness. Our objective is to contribute to a series of techniques, that can be used to accomplish a fully automated and confident verification of JavaCard applets. In this work we present the first steps to this. With the use of a software platform comprised by Krakatoa, Why and haRVey, we developed a set of techniques to reduce the size of the theory necessary to verify the specifications. Such techniques have yielded very good results, with gains of almost 100% in all tested cases, and has proved as a valuable technique to be used, not only in this, but in most real world problems related to automatic verification