Análise de técnicas de data mining na aquisição de clientes de cartão de crédito não correntistas

O trabalho busca analisar e entender se a aplicação de técnicas de Data mining em processos de aquisição de clientes de cartão de crédito, especificamente os que não possuem uma conta corrente em banco, podem trazer resultados positivos para as empresas que contam com processos ativos de conquista de clientes. Serão exploradas três técnicas de amplo reconhecimento na comunidade acadêmica : Regressão logística, Árvores de decisão, e Redes neurais. Será utilizado como objeto de estudo uma empresa do setor financeiro, especificamente nos seus processos de aquisição de clientes não correntistas para o produto cartão de crédito. Serão mostrados resultados da aplicação dos modelos para algumas campanhas passadas de venda de cartão de crédito não correntistas, para que seja possível verificar se o emprego de modelos estatísticos que discriminem os clientes potenciais mais propensos dos menos propensos à contratação podem se traduzir na obtenção de ganhos financeiros. Esses ganhos podem vir mediante redução dos custos de marketing abordando-se somente os clientes com maiores probabilidades de responderem positivamente à campanha. A fundamentação teórica se dará a partir da introdução dos conceitos do mercado de cartões de crédito, do canal telemarketing, de CRM, e das técnicas de data mining. O trabalho apresentará exemplos práticos de aplicação das técnicas mencionadas verificando os potenciais ganhos financeiros. Os resultados indicam que há grandes oportunidades para o emprego das técnicas de data mining nos processos de aquisição de clientes, possibilitando a racionalização da operação do ponto de vista de custos de aquisição.

Data mining : aplicação voltada a geração de informações para tomada de decisão na Secretaria de Estado da Educação de São Paulo

Trata da aplicação de ferramentas de Data Mining e do conceito de Data Warehouse à coleta e análise de dados obtidos a partir das ações da Secretaria de Estado da Educação de São Paulo. A variável dependente considerada na análise é o resultado do rendimento das escolas estaduais obtido através das notas de avaliação do SARESP (prova realizada no estado de São Paulo). O data warehouse possui ainda dados operacionais e de ações já realizadas, possibilitando análise de influência nos resultados

Discrimination in the workforce: how it impacts a business

Discrimination, in its best form, is a hard concept to fathom as an employee or ordinary citizen. In the workplace, there are times when discrimination is necessary due to extenuating circumstances that revolve around the form or act of discrimination. It could be conveyed to save a life or avoid future conflict. However, it must be clearly stated as a written law that the act is lawful. When unlawful discrimination occurs, it stages an entirely different tone, as it is mainly conducted out of malice, hatred, greed, control, or ignorance. Over the last few decades, discrimination has existed in the workplace, although Federal laws mandate that it does not occur. It does not exist in just one geographical area or is country specific, but covers a wide spectrum, linking countries together from their points of view to creating rifts amongst those who are affected and those who are not, not only from a business perspective, but social humanistic relationships as well. This thesis will use quantitative and qualitative data to support discrimination of sexual harassment, race or color, and gender issues, as well as personal experiences, and how it has and will continue to impact businesses if the acts do not cease, permanently. Leadership, from the Presidents and Heads of Countries, Chief Executive Officers (CEOs), managers, lowest-ranking supervisor, and employees should make it their personal goal to ensure these issues do not continue or arise in their perspective areas of responsibilities. When employees understand that they are valued, will be taken seriously when reporting acts of discrimination, and that some form of action will be taken, performance and productivity will escalate, and morale will increase in the workplace, resulting in higher productivity and subsequently higher profit margins for the company.

Transformation of brain drain of brain gain: incentives to attract talented workforce

The key for the future of any country, firm or group lies in the talent, skills, experience, knowledge and capabilities of its people. Migration of human capital resource on an international level depicts the impact on the developing country having its highly educated individuals migrating to developed countries known as “Brain Drain.” Therefore, evaluation of short-term and long-term talent needs and impacts on any country is critical. This paper aims to complement the existing theoretical brain drain and brain gain literature, focusing on the interaction between investment in education, training, healthcare and government to attract highly talented individuals to a developing a country. The migration study is inclusive of the analysis of the highly talented resources that have committed to or are planning to resettle in their developing native countries after investing in themselves through education. The motivational factors of these highly talented individuals are evaluated to determine key needs and drives attracting these individuals back to China from a developed country (aka. reserve migration).

CSR in South Africa mining sector

There are distinct ways in which mining companies in South Africa operate today that are different from the operations three decades ago. Companies have grown in proportion, and the extension of the businesses is directly proportional to the mining activities hence the ultimate prize of degradation and related challenges has to be faced. There is increasing need to understand the relationship between corporate social responsibility and company returns. Both the opponents and proponents of CSR argue their case through convincing arguments presented here concerning the subject as brought out in this discussion. The immediate stakeholders of any company are the consumers, and they form a critical component of the company’s operations. A study of the evolution of CSR Mining in South Africa strategies is critical; as brought out in the discussion of CSR strategies employed three decades ago with what is done today

Information mining and visualization of data from the Brazilian Supreme Court (STF): a case study

EMAp - Escola de Matemática Aplicada

Impact assessment and quality analysis of corporate social responsability (CSR) programs of mining companies and their contribution to sustainable development in the communities they operate: case study Tenke Fungurume Mining SA in the Democratic Republic of Congo (DRC)

Purpose – This case study presents an impact assessment of Corporate Social Responsibility (CSR) programs of the TFM Company in order to understand how they contribute to the sustainable development of communities in areas in which they operate. Design/Methodology/Approach - Data for this study was collected using qualitative data methods that included semi-structured interviews and Focus Group Discussions most of them audio and video recorded. Documentary analysis and a field visit were also undertaken for the purpose of quality analysis of the CSR programs on the terrain. Data collected was analyzed using the Seven Questions to sustainability (7Qs) framework, an evaluation tool developed by the Mining, Minerals and Sustainable Development (MMSD) North America chapter. Content analysis method was on the other hand used to examine the interviews and FGDs of the study participants. Findings - Results shows that CSR programs of TFM SA do contribute to community development, as there have been notable changes in the communities’ living conditions. But whether they have contributed to sustainable development is not yet the case as programs that enhance the capacity of communities and other stakeholders to support these projects development beyond the implementation stage and the mines operation lifetime need to be considered and implemented. Originality/Value – In DRC, there is paucity of information of research studies that focus on impact assessment of CSR programs in general and specifically those of mining companies and their contribution to sustainable development of local communities. Many of the available studies cover issues of minerals and conflict or conflict minerals as mostly referred to. This study addressees this gap.

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.

Perfil de beta talassemia heterozigota obtido a partir de análise data mining em banco de dados

Variations in the phenotypic expression of heterozygous beta thalassemia reflect the formation of different populations. To better understand the profile of heterozygous beta-thalassemia of the Brazilian population, we aimed at establishing parameters to direct the diagnosis of carriers and calculate the frequency from information stored in an electronic database. Using a Data Mining tool, we evaluated information on 10,960 blood samples deposited in a relational database. Over the years, improved diagnostic technology has facilitated the elucidation of suspected beta thalassemia heterozygote cases with an average frequency of 3.5% of referred cases. We also found that the Brazilian beta thalassemia trait has classic increases of Hb A2 and Hb F (60%), mainly caused by mutations in beta zero thalassemia, especially in the southeast of the country.

Fluvial transport of lead, zinc and copper contents in polluted mining regions

Ore mines installed in the lower-middle portion of Ribeira de Iguape River (São Paulo State, southeastern Brazil), together with the Panelas Plant are responsible for the contamination of the Iguape-Cananeia-Paranagua lagoon-estuarine complex. The lower-middle portion of Grande Creek Basin, located in the district of Adrianopolis (Parana State, southern Brazil) is under environmental impact because of mining activities. The mines of Perau, at Perau Creek, Canoas at Canoas Creek, and Barrinha at Barrinha Creek and Laranjal Creek have been paralyzed. The transport of lead in fluvial sediments is mainly associated with organic matter, carbonates, the residual fraction, and adsorbables, whereas the transport of zinc is associated with the organic and residual fraction, oxides and hydroxides of iron and manganese, carbonate, and adsorbables. The transport of copper is associated with the residual fraction and oxides and hydroxides of iron and manganese, organic matter, carbonate, and adsorbables.

Flow rate and hydrochemistry in areas of sand mining activities

This investigation reports the results of a study realized in areas related to the development of sand mining activities, which belong to CRS-Mineragao Industria e Comercio Ltd. and Sibelco Mineracao Ltd. Both areas are located around Analandia municipality, nearly in the center of São Paulo State, Brazil. Flow rate and hydrochemical analyses were realized over different periods of time, with the aim of evaluating the possibility of release of several constituents to the liquid phase, which may be a source of pollution of the surface hydrological resources. This is because some tributaries from the Corumbatai River may be suffering contamination, implying on the impoverishment of the water quality that is a very important resource in the region, as it is extensively used for drinking purposes, among others.

Impact of coal mining on water quality of three artificial lakes in Morozini River Basin (Treviso, Santa Catarina State, Brazil)

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Mercury in soils and sediments from gold mining liabilities in Southern Amazonia

The 1980-1990 Amazonian gold rush left an enormous liability that increasingly has been substituted by developing fish aquaculture. This work aimed at the identification of the mercury levels in the environment, associated with fish farms located in the North of Mato Grosso State, Southern Amazon. Sediment and soil samples were analyzed for total organic carbon and total mercury. Results indicate that the chemical characteristics of the sediment largely depend on the management procedures of the fish pond (liming, fish food used and fish population). The soils presented relatively low concentrations when compared with other data from the literature.

Nitrogen assimilation in Citrus based on CitEST data mining

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Laboratory essays on solid residues from an area of sand mining activities at Analandia, São Paulo, Brazil, and implications to the water resources quality

This investigation reports the results of tests performed in a laboratory with solid waste samples from an area belonging to Sibelco Mineracao Ltd., which is located around Analandia municipality, nearly in the center of São Paulo State, Brazil. Dissolution and leaching essays were realized under different experimental conditions in four samples collected from the mining front and decantation pool, with the aim of evaluating the possibility of release of several constituents to the liquid phase.