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.

Ligações aéreas com a Madeira: constrangimentos e perspetivas de crescimento: o efeito do binómio tempo/distância e o mercado low cost

O transporte, neste caso o transporte aéreo para a Madeira, assume particular importância na atividade turística, para mais sendo esta uma região insular e ultraperiférica da Europa, em que a realidade socioeconómica tem como pedra basilar o Turismo que, por si só, representa 25% do PIB. Frequentemente são apontados como “culpados” pelas cíclicas crises no sector, a promoção (ou a falta dela) e as opções tomadas, a concorrência de destinos mais baratos, o peso das taxas aeroportuárias, os fenómenos climáticos, os incentivos às companhias aéreas e aos operadores, o estímulo à operação low cost, as unidades hoteleiras e as camas disponíveis, a distância (tempo de voo) deste destino em relação ao norte da Europa e ao outro lado do Atlântico, a existência ou não de ligações aéreas diretas, um sem número de “razões” em que, provavelmente, todas elas, em maior ou menor percentagem, darão o seu contributo. As infraestruturas aeroportuárias, outrora também “culpadas” por não permitirem operações de longo curso, estão hoje habilitadas para receber voos intercontinentais. A Madeira, não deixou de ser a “Pérola do Atlântico”, com um clima ameno e profilático, com as levadas e a floresta Laurissilva, com o Vinho Madeira; com a Festa do Fim do Ano, o Carnaval e a Festa da Flor, com as Paisagens únicas, o Mar e a Montanha, o Golf, o Rali da Madeira, atrativos que deveriam ser suficientes para ultrapassar os fatores “negativos” citados. Sê-lo-ão? Sem a presunção de encontrar soluções milagrosas para algo que vem sendo estudado por profissionais e consultores, pretende-se possibilitar um olhar sob uma outra perspetiva, deixando pistas para uma abordagem diversa, em que se investigam os efeitos dos voos não diretos, o peso das operações low cost e se desenha um benchmarking com o destino concorrencial das Canárias.

Arquitetura da (in)segurança: estudando relações entre configuração espacial, artifícios de segurança e violência urbana no bairro Manaíra, João Pessoa, Paraíba

João Pessoa, the capital city of the state of Paraíba (Northeast Brazil), is reputed throughout the country as a quiet place, although it has been acquiring, over the past years, an urban character with social implications similar to those of major metropolitan Brazilian areas. The new situation is evident by the social inequalities, with the creation of confined spaces, which segregate and cause enclosure of the inhabitants, leading to death the public space. This study correlates accessibility in spatial structure with two types of crime data, burglary and robbery, recorded in 2008 and 2009, by the Secretaria de Segurança da Paraíba (The government agency public in charge of safety), in the district of Manaíra, an upper middle class neighborhood, which has, in recent times, been considered one of the most violent areas in João Pessoa. Sought to understand connections between these events and morpho-social aspects of the built environment, where examined the spatial properties, such as accessibility of the urban net, the presence of control measures, the safety of buildings and their uses. Spatial properties were also validated by the observation of pedestrian flows at strategic points of the study area. It was concluded that the presence of intense flows helps to attract potential thieves, physical security and control offers little protection

Diversity of decapod crustaceans at the interface of unconsolidated seabed areas and rocky shores in tropical/subtropical Brazil

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

Mercury contamination in fanned fish setup on former garimpo mining areas in the Northern Mato Grosso State, Amazonian region, Brazil

The garimpo gold mining activity has released about 2.500 tons of mercury in the Brazilian Amazonian environment in the 1980-1995 period. The northern region of Mato Grosso State, an important gold mining and trading area during the Arnazonian gold rush is now at a turning point regarding its economic future. Nowadays, the activities related to gold mining have only a low relevance on its economy. Thus, the local communities are looking for economic alternatives for the development of the region. Cooperative fish farming is one of such alternatives. However, some projects are directly implemented on areas degraded by the former garimpo activity and the mercury left behind still poses risks, especially by its potential accumulation in fish. The objective of the present study was to evaluate the levels of mercury contamination in two fish farming areas, Paranaita and Alta Floresta, with and without records of past gold-washing activity, respectively. Data such as mercury concentration in fish of different trophic level, size, and weight as well as the water physical and chemical parameters were measured and considered. These preliminary data have shown no significant difference between these two fish fanning areas, relatively to mercury levels in fish. (c) 2004 Elsevier B.V. All rights reserved.

An investigation of Leishmania spp. in Didelphis spp. from urban and peri-urban areas in Bauru (São Paulo, Brazil)

Blood and bone marrow samples were taken from 112 Didelphis spp., collected between March 2005 and February 2006, from urban and peri-urban areas of Bauru, São Paulo State, Brazil, to evaluate the hypothesis that these animals might constitute a reservoir of Leishmania spp. Anti-Leishman ia ssp. antibodies were screened in the serum samples using an enzyme-linked immuno-sorbent assay (ELISA) and the polymerase chain reaction (PCR). PCR was performed on fragments of DNA samples from Leishmania spp. using primers 13A and 13B, and showed a positive outcome in 91.6% of the 112 samples tested. of the 107 samples analyzed by ELISA, 71 % were positive. Evidence of epidemiological risk factors such as a circulating parasite and freely moving vectors suggests that Didelphis spp. may participate in the transmission cycle of Leishmania spp. in Bauru. (c) 2007 Elsevier B.V. All rights reserved.

Soil CO2 emission and its relation to soil properties in sugarcane areas under Slash-and-burn and Green harvest

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Avaliação da gravidade do trauma em condutores de motocicleta vítimas de acidentes de trânsito no Rio Grande do Norte

Descriptive exploratory study, prospective, with quantitative approach, performed on the Monsenhor Walfredo Gurgel Hospital Complex (MWGHC), in Natal/RN, aiming to identify injuries by body area and wound severity on drivers who suffered motorcycle accidents, evaluate the severity of injuries and trauma on these drivers and identify the existence of association between wound and trauma severity and some of the accident s characteristics. The population comprised 371 motorcycle drivers, with data collected between October and December 2007. We used as instruments the Abberviated Injury Scale (AIS), Injury Severity Score (ISS) and the Glasgow Coma Scale (GCE1). The results show that, concerning characterization, there was a predominance of the male gender (88.4%), aged between 18 and 24 years (39.90%), originating from the Natal metropolitan region (55.79%), with fundamental-level instruction (51.48%), catholic (75.78%), married (47.98%). 23.18% work on commerce-related activities and 75.20% have income of up to 2 minimum wages. As for the accident s characteristics, the predominant shift was the afternoon (46.36%), received up to one hour after the event (50.67%), transported by countryside ambulances colleagues and relatives (51.21%), 25.34% had the accident on Sunday; 53.91% suffered falls and vehicle rolls; among the collisions there was a predominance of the motorcycle-automoblie type (28.03%); 52,6% were licensed and among these 50.76% had up to one year of license; 65.50% declared not having suffered previous accidents; 65.77% declared waring helmets in the time of the accident; 57.41% said not to have used drugs, and among those who used, alcohol was the most consumed (98.10%). The lowest score evaluated by GCS1 (3 to 8) was linked to drivers who suffered accidents on Saturday (10.3%), those who were not wearing helmets (14.29%) and the victims of motorcycle-pedestrian/animal crashes (13.33%). The body areas most affected had AIS between 1 and 3 (95.76%) and were: external surface (39.90%) and head/neck (33.20%). As for trauma severity, the highest scores (ISS>25) belonged to those who consumed alcohol (30.73%), suffered falls or vehicle rolls (48.9%) and those attended to 3 hours or longer after the accident (50%). We conclude that for motorcycle drivers who suffered accidents, age, gender, weekday, type of accident, use of drugs and the absence of helmet use signal both to the risk of occurrence of these events, as well as for the greater severity of injuries and trauma.

Temporal analysis of the reduction in gas emission in areas of mechanically-harvested sugarcane using satellite imagery

The primary objective of this study was to estimate the amount of gas not emitted into the air in areas cultivated with sugarcane (Saccharum officinarum) that were mechanically harvested. Satellite images CBERS-2/CCD, from 08-13-2004, 08-14-2005, 08-15-2006 and 08-16-2007, of northwestern São Paulo State were processed using the Geographic Information System (GIS)-IDRISI 15.0. Areas of interest (the mechanically-harvested sugarcane fields) were identified and quantified based on the spectral response of the bands studied. Based on these data, the amount of gas that was not emitted was evaluated, according to the estimate equation proposed by the Intergovernmental Panel on Climate Change (IPCC). The results of 396.65 km(2) (5.91% for 2004); 447.56 km(2) (6.67% for 2005); 511.54 km(2) (7.62% in 2006); and 474.60 km(2) (7.07% for 2007), calculated from a total area of 6,710.89 km(2) with sugarcane, showed a significant increase of mechanical harvesting in the study area and a reduction of gas emissions of more than 300,000 t yr(-1).

Structural characteristics and forage mass of Tifton 85 pastures managed under three post-grazing residual leaf areas

The experiment was carried out on Cynodon spp cv. Tifton 85 pastures grazed by sheep under rotational stocking, with the objective of evaluating the structural characteristics as well as the forage mass of the pastures subjected to three grazing intensities in successive cycles. Treatments were composed of three residual leaf area indices (rLAI; 2.4; 1.6 and 0.8), allocated in completely randomized blocks with seven replications, totaling 21 experimental units. Tiller population density, pasture height, leaf area index, forage morphological composition and pasture forage mass were evaluated. The rLAI modified the tiller population density, which increased linearly with decrease in the rLAI of the pastures. Dry masses of leaf blade, stem and dead material were inferior when the rLAI imposed were lower, which resulted in differentiated forage production among the treatments. Tifton 85 pastures grazed by sheep in rotational stocking under tropical conditions with different rLAI show a modified sward structure over successive grazing cycles, mainly by alteration in the height and LAI of the plants at pre-grazing and by light interception post-grazing, which change the tiller population density. The residual leaf area index of 1.6 is the most suitable for pasture management for being equivalent to the heights of entrance and exit of animals on and from paddocks of 33 and 19 cm, respectively, which avoid great accumulation of dead material and excessive stem elongation, in addition to ensuring tillering in the sward.

Annual profile of fecal androgen and glucocorticoid levels in free-living male American kestrels from southern mid-latitude areas

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

PCJ River Basins' Water Availability Caused by Water Diversion Scenarios to Supply Metropolitan Areas of So Paulo

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Analysis of land use and occupancy in permanent preservation areas according to the hydrography of Ribeirão Água Fria - Bofete, SP - Brazil

Os conflitos de uso são determinados pelas ocupações inadequadas do solo, como é o caso de ocupação do solo dentro de áreas de preservação permanente. O presente trabalho teve como objetivos determinar as classes de uso do solo e se há conflitos dentro de áreas de preservação permanente ao longo da rede de drenagem da microbacia do Ribeirão Água Fria, município de Bofete (SP). Situa-se geograficamente entre as coordenadas: 48°09'30 a 48°18'30 de longitude WGr., 22°58'30 a 23°04'30 de latitude sul com uma área de 15.242,84 ha. O mapa de uso do solo foi elaborado por meio da interpretação diretamente na tela do computador de imagem digital de satélite. Nos dados orbitais, a área de estudo está inserida no quadrante A, da imagem TM/Landsat-5, órbita 220, ponto 76, passagem de 8/09/2007. O Sistema de Informação Geográfica empregado foi o Cartalinx. As áreas de conflito da microbacia foram obtidas a partir do cruzamento entre os mapas de uso do solo e de APPs. Os resultados permitiram concluir que mais da metade da área (51,09%) está ocupada por pastagens, reflexo de solos arenosos e de baixa fertilidade. Constatou-se, ainda, que apesar de quase metade da microbacia estar coberta com algum tipo de vegetação (48,78% de mata natural/reflorestamento), possui aproximadamente um terço das áreas de preservação permanente utilizadas inadequadamente por pastagens (88,15%), reflorestamento (10,42%) e solo exposto (1,43%), totalizando 343,07 ha de áreas conflitantes em um total de 993,26 ha de APPs.