939 resultados para Crédito Comercial


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A cultura do milho-verde é alternativa de grande valor econômico para pequenos e médios agricultores, principalmente em áreas irrigadas. O objetivo do trabalho foi avaliar o rendimento comercial de espigas verdes e de outras características das plantas de seis cultivares de milho, submetidas a quatro densidades populacionais. Utilizou-se o delineamento experimental em parcelas subdivididas, com seis tratamentos principais (cultivares), quatro tratamentos secundários (densidade populacional) e quatro repetições dispostas em blocos casualizados. As cultivares Cativerde 2, P3232, BM3061 e AG4051 apresentaram as maiores alturas de plantas, enquanto SWB551 foi a mais reduzida. A menor altura média de inserção da primeira espiga foi obtida pela cultivar SWB551. As cultivares AG4051, AG1051, BM3061 e P3232 foram superiores às demais em comprimento e no número de espigas comerciais despalhadas. Entre as quatro densidades populacionais, 50.000 plantas ha-1 foi a que promoveu o mais alto rendimento de espigas. O híbrido P3232 apresentou ciclo e acúmulo térmico superiores às demais cultivares, com BM3061 sendo a mais precoce.

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Rogram relying on sociological interface between Economic Sociology, Sociology of Moral Theory of Socialization and Social Stratification, this dissertation research makes use of theoretical contributions Luic Boltanski, Charles Taylor, Axel Honneth, Pierre Bourdieu and Bernard Lahire to problematize the generally about the physical and symbolic production and social reproduction of the type of "economic ethics" predominant in the new petite bourgeoisie Brazilian. In other words, the goal is to explain and analyze the objective conditions (economic needs and moral grammar) and intersubjective (modes of socialization and social networks) and update the social genesis and contextual transcontextual beliefs, biases, inclinations and cultural regularities observed the economic behavior of individual profiles for the fractions of the urban petty bourgeoisie and commercial upward Natal / RN. With regard to methodological strategies adopted in data collection will be conducted qualitative interviews (semistructured) and ethnographic notes. In turn, the analytical treatment of the collected empirical content is based on the approach dispositionalist (Pierre Bourdieu, Loïc Wacquant and Bernard Lahire) that emphasizes the study of the past embedded agents and the different contexts of incorporation / activation / inhibition of "provisions" individual cultural

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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

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Broadly anchored on Institutionalist literature this dissertation seeks to answer: Why rural credit granted to farming families in Rio Grande do Norte, Pronaf group B, has shown positive results in some territories while in others the same results are insatisfactory? Considering formal rules are the same, then why such results are so distinguished? This research supports the fact that these results are a direct consequence of the quality of institutions defined as longstanding social rules established and built in social interactions. For institutions one understands; organizational structures, formal and non-formal rules, social trust, thinking behaviors and its evolution as well as routines. Using Pronaf Rural Credit as a background this study measures and compares results obtained in the rural areas of Seridó, Sertão do Apodi, Mato Grande, Assú-Mossoró, Trairi, Potengi and Alto Oeste. The dimensions of measurement considered were: economics, social and guarantee of transparency. The study considers a sample of 402 Group B farming families. It also elaborates a socio-economic profile of these families in the considered areas and underlines the main causes for defaulted loans, difficulties to improve family income and results of access to Pronaf B credit line, as well as it proposes solutions to surpass obstacles to improve the efficiency of this credit line

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O objetivo do trabalho é propor um estudo sobre a relação do Programa Nacional de Crédito Fundiário - PNCF, no estado do Rio Grande do Norte, e sua concentração fundiária. Ou seja, se o PNCF está sendo direcionado, para as microrregiões que apresentam maior índice de concentração, de acordo com o índice de Gini, e se as áreas adquiridas através do crédito fundiário estão emergindo nestas microrregiões. Para isto, o estudo levantou a hipótese de que o PNCF no estado do Rio Grande do Norte não está sendo conduzida, de modo a reduzir a concentração fundiária, dentre as microrregiões do estado. Ou seja, não existe correlação entre o índice de Gini, da concentração fundiária, e as áreas adquiridas através do programa. Além disso, o trabalho buscou realizar uma discussão da literatura sobre os programas de reforma agrária assistida pelo mercado. Apresentando os autores que são exaltadores do modelo e das suas potencialidades, atrelando as causas dos problemas levantados como sendo de ordem técnica e operacional, onde os principais autores desta linha são: Van Zyl, Kirsten & Binswanger, (1996), Deininger & Binswanger, (1999). Têm-se também a apresentação da posição dos autores adeptos as políticas fundiárias pautadas na dinâmica e liberação dos mercados de terras, mas que visam contribuir com estudos que permitam uma redução para o custo elevado e a sua incapacidade de abarcar a esfera social, em decorrência do pagamento á vista e a preço de mercado aos donos das terras, são 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 Agrária 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 sequência, o trabalho apresentou a transição e características dos programas de acesso à terra, no Brasil, a partir da década de 1990, bem como, alguns indicadores do PNCF, no Brasil e o estado do Rio Grande do Norte. Apresentou-se também os indicadores da concentração fundiária, no Brasil e no estado. Através dos dados do Censo Agropecuário de 2006 foi possível calcular o índice de Gini da distribuição fundiária nas microrregiões no estado do Rio Grande do Norte. Com os dados fornecidos pela Secretaria de Estado de Assuntos Fundiários e de Apoio à Reforma Agrária - SEARA mostrou-se a distribuição das linhas de crédito do PNCF e as áreas adquiridas, entre os anos de 2006 e 2012. Por fim, o valor do coeficiente de correlação simples (r) igual a (0,2865), que com base no teste bilateral da distribuição 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 crítico igual a (2,898), com 17 graus de liberdade, a um nível de significância de 1%, pode aceitar a hipótese de partida, ou seja, que o PNCF não estava sendo direcionado para diminuir a concentração fundiária no estado

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The market-assisted land reform (RAAM) has been constituted as an alternative of agrarian reform funded by the Programa Nacional do Crédito Fundiário (PNCF). It is a policy of acquisition, distribution and use of Earth ideologically disseminated and funded by the World Bank in the context of productive insertion of landless workers. Accordingly, this study seeks to analyze the trajectory of rural settlements financed by this policy, seeking to understand what factors promote or limit the process of rural development of those settlements. To do so, take as a reference case study of the Assentamento da Fazenda Paz, in the municipality of Maxaranguape in the State of Rio Grande do Norte. From the methodological point of view, bibliographical and documentary research were used, in addition to visits to the settlement and semi-structured interviews with the settlers, trade union leaders, consultants and technicians linked to the project. Assuming the reports of respondents, initially constructs the hypothesis that informal and formal institutions present in the Assentamento da Fazenda Paz were unable to effectively coordinate the actions of the agents. The results obtained showed the existence of a very complex undertaking, with a total area of 607 hectares and 80 families settled, endowed with good quality water and irrigation infrastructure, with assets of approximately R$ 5 million reais. Experience experienced by the settlers understood the development of complex systems of production and marketing of fruits and vegetables, with an emphasis on the cultivation of papaya in an area of 45 hectares based on modern irrigation system and extensive use of technology. Collective management of production, marketing, revenue and costs stood out as a major challenge for the settlers and their representative organisations, i.e. the Community Association and the cooperative. From this observation it was possible to identify two moments on the trajectory of the project: the first, between 2007-2011, considered by respondents as successful, in which the integration of public policies and abundant input of revenue from the commercialization of the fruits da Paz, mainly through the sale of papaya and pineapple in national and international markets, allowed an average remuneration of R$ 800.00 reais to R$ 1,000 reais seated/monthIn addition to the production of vegetables and other types of products for sale and consumption; the second, from 2012, characterized as a failure, due to the discontinuity of the cultivation, production and marketing of fruits based on the collective bargaining model deployed. Important factors explain the discontinuity of the project, including the model of agriculture implemented, difficulties related to the management of production, marketing and finance the venture, in addition to the breach of trust between the Board of the cooperative and the associates and the distancing of the governmental organizations more directly responsible for the project. It is therefore concluded that we must to rethink rural development as a multidimensional phenomenon, requiring a broad engagement between State and society under the foundations of a territorial development contract

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Mediante a utilização da prova de soroaglutinação microscópica (SAM), foi pesquisada a indução de anticorpos contra leptospira em bovinos vacinados com uma bacterina polivalente comercial. Procurou-se avaliar a resposta sorológica homóloga frente a dois esquemas de vacinação. Os animais utilizados foram fêmeas adultas em produção leiteira oriundas de seis propriedades da região noroeste do Estado de São Paulo. Vinte animais de cada propriedade foram escolhidos após três exames sorológicos com 24 sorovares de leptospiras com intervalo de 20 dias, através de triagem sorológica com 24 antígenos de leptospiras. Os grupos foram constituídos de animais não reagentes (I, II e III) e animais reagentes (IV, V e VI). Posteriormente os animais foram subdivididos em grupos controle (I e IV), os que receberam somente uma dose de vacina (II e V) e que receberam duas uma doses de vacina com e dose de reforço após 30 dias (III e VI). Os animais foram monitorados por meio da SAM nos dias 0, 15, 30, 45 e 60 após a primeira aplicação da vacina. Os resultados obtidos revelaram que não houve diferença significativa (p>0,05) entre os animais vacinados e não vacinados. Não houve diferença significativa (p>0,05) nas respostas de títulos vacinais com relação ao perfil sorológico apresentados pelos animais. A vacinação com reforço apresentou melhor desempenho e a indução produção de aglutininas somente ocorreu contra os sorovares hardjo, wolffi, icterohaemorrhagiae e pomona. Há a necessidade de maiores estudos sobre o poder imunogênico da vacina utilizada no experimento.

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The fertilization takes key role at the production of fruit seedlings in order to ensure a good development and early production. The aim of this study was to evaluate the effects of nitrogen and potassium on the growth of guava seedlings. Herbaceous stakes of guava, Paluma cultivar, were rooted in a mist room, in polyethylene bags containing substrate. The experiment was conducted in a commercial nursery, in randomized blocks and a factorial scheme 4x4, with four doses of nitrogen (0, 552, 828 and 1104 mg dm(-3)) and four doses of potassium (0, 726, 1,089 and 1,452 mg dm(-3)) in three replications and three plants for parcel. During the filling of the bags (1,5 dm(-3)), were added 100 mg dm(-3) of superphosphate, while fertilizers containing nitrogen and potassium were split into three times. After 120 days, the seedlings were evaluated. There was a significant effect of nitrogen in the variables height, stem diameter, number of leaves, SPAD index, dry weight of leaves, stems, total, Dickson quality index, and nitrogen accumulation. The fertilization with potassium did not influence the biometric parameters, SPAD index and Dickson quality index.

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Com o objetivo de identificar cultivares de milho pipoca que se constituam em alternativa viável aos produtores foi conduzido um experimento em delineamento experimental de blocos casualizados, com cinco genótipos de milho pipoca (BRS Ângela, Zélia, IAC 112, IAC 12 e IAC TC-01) e quatro repetições, na safra 2003/2004. O experimento foi instalado em espaçamento entre as linhas de 60 cm, com densidade populacional de 75 mil plantas por hectare. No decorrer do experimento, foram avaliadas características agronômicas e comerciais em condição de campo e de laboratório. A variedade BRS Ângela apresentou maior produtividade, seguida pelos híbridos simples IAC, com Zélia (híbrido triplo) apresentando menor produtividade. O híbrido simples IAC 12 apresentou pior qualidade comercial de pipoca. A produção de grãos está associada positivamente com o número de grãos por espiga e com a massa de 1.000 grãos e negativamente com o teor de Ntotal no grão. A qualidade comercial se correlacionou negativamente com a massa de 1.000 grãos.

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The changes that have taken place in the organizational environment in recent decades have led to new performance measurement systems being proposed, given the inadequacy of traditional models. The Balanced Scorecard (BSC) emerged as an instrument to translate financial and non-financial assets into real values for all interested parties in the organization, allowing the introduction of strategies to achieve the desired goals. Research shows that most errors committed with the use of this method are related to the implementation process. Thus, the aim of this dissertation is to analyze the process of building and implementing the BSC in an organization. This empirical exploratory study is based on the classic case study method, which enables the researcher to work with a set of evidence, including direct observation, interviews and document analysis. The results show that the use of BSC in the company investigated posed problems during the process of building and implementing the method. These problems were caused mainly by the lack of involvement on the part of upper management and the team s scant knowledge of Balanced Scorecard. One of the gains obtained from adopting the system was the introduction and/or consolidation of a culture of strategic planning and participative management. The continuous implementation phase was highlighted in the monitoring program, created by the organization in an attempt to reverse existing problems, using the BSC as a third generation strategic management system, which led to significant gains, better use of the system and stronger management practices

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In practically all vertical markets and in every region of the planet, loyalty marketers have adopted the tactic of recognition and reward to identify, maintain and increase the yield of their customers. Several strategies have been adopted by companies, and the most popular among them is the loyalty program, which displays a loyalty club to manage these rewards. But the problem with loyalty programs is that customer identification and transfer of loyalty points are made in a semiautomatic. Aiming at this, this paper presents a master's embedded business automation solution called e-Points. The goal of e-Points is munir clubs allegiances with fully automated tooling technology to identify customers directly at the point of sales, ensuring greater control over the loyalty of associate members. For this, we developed a hardware platform with embedded system and RFID technology to be used in PCs tenant, a smart card to accumulate points with every purchase and a web server, which will provide services of interest to retailers and customers membership to the club

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

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Este artigo avalia os resultados do processo de reestruturação da indústria brasileira de máquinas têxteis, originado pelas reformas econômicas liberalizantes iniciadas no final dos anos 1980 e início dos 1990 e pelas medidas macroeconômicas que deram sustentação ao Plano Real, a partir de julho de 1994. Inicialmente, fazemos uma avaliação teórica das fontes do conhecimento e das formas de capacitação tecnológica nessa indústria. A seguir, expomos brevemente as principais características da indústria de máquinas têxteis em âmbito global. Posteriormente, direcionando a discussão para o caso brasileiro, apresentamos as especificidades da indústria têxtil, usuária daqueles bens, e do próprio setor de máquinas nacional. Através dos fluxos de comércio exterior do Brasil entre 1990 e 2004 e da variação do valor médio (US$ FOB/KG) desses fluxos, o artigo examina as mudanças estruturais, tecnológicas e, por conseguinte, na competitividade, que culminaram na transformação da indústria brasileira de máquinas têxteis, em termos de dimensão (escala) e escopo, e em uma nova inserção internacional, agora mais especializada e subordinada.

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The childhood has being highlighted by the great concern about the several contexts in which children are inserted, amongst them, commercial sexual exploitation (CSE). The experience of this violence process brings implications to the person constitution. Thus, this research aimed to understand how commercial sexual exploited adolescents to signify the childhood. Participated of this research four female adolescents that had been assisted by Programa de enfrentamento ao Abuso e Exploração Sexual de Crianças e Adolescentes (Sentinela) , with ages between 12 and 17 years. The corpus was composed by the combination of the semi-structured interview and other procedures, like childish stories, draws and photography. Moreover, we used another instruments to constitute the corpus, like the documental research and we proposed the construction of a life story book of each participant. The corpus was analyzed through the Thematic Content Analysis. Five thematic axes emerged from the participants discourse and theoretical perspective: dynamical of family, scholar process, ludic behavior, conception of childhood and insertion on CSE process. The participants presented a conception about childhood as been a preparation and education phase to ingress in adult life. In other words, while children do not grown up, they go to the school, plays, lives with family, are happy and do not have any responsibilities. Nevertheless, the life experience of these girls was implicated by negligence, sexual abuse, child labor, institutionalization and, evidently, the commercial sexual exploitation. Understanding that the childhood experienced by adolescent, as well as, her insertion on CSECA, constitutes her, while person, we investigated how the interrelation expresses it on participants future perspectives. Their goals are defined based on family constitution and professional improvement, although feelings of disillusion and pessimism had been showed up in some moments. According these results, we pointed to the necessity of the effective proposals that promote real improvement of adolescents life quality, through, in which they could to create alternatives to get over the several risks in which they are exposed, mainly, the CSECA condition