Educação financeira: uma possibilidade de ensino a partir dos cenários para investigação

This work presents a proposal for teaching financial mathematics to students from secondary school using mathematics investigation. This methodology is used for many researchers and this work follows the main ideas of Fonseca, Brunheira, and Ponte (1999) and Skovsmose (2000). With this methodology, we intend to develop activities that approximate real situations of daily life and we aim to help students to understand and make decisions about single commercial and finances negotiations. Such activities have open questions that provide students the opportunity to think about mathematical subjects like loans, financing and saving account. We show a short description of studies about the importance of financial education in secondary school and university. Our proposal is applied in Secondary School because we considering to use contents of this area in a very simple way, dealing with mathematical ideas in order to develop skills of critical analysis. We suggest a qualitative research with phenomenological approach, as a possibility analysis of collected data from this teaching proposal

As decisões de investimento e a instabilidade financeira

Initially, the text handles the theories of ancient classical and changes with the emerging of the debates of the schools of economic of Keynes and Kalecki. Over the years, from 1930 onwards, investment theories were debated and modified by various schools of economic thought. One of the debates that stands out in this work are the theories of Minsky that will bring new reformulations to Keynesian theory and a greater focus on psychological factors as determinants of investment decisions. Through financial instability hypothesis Minsky explains how the decisions to invest and the access to credit cause instability to financial system. Finally the work will show how access to credit is material when companies decide to invest and how these investments are often handled due to information asymmetries in the market. The financial institutions seek to maximize their profits while dribbling moral hazard and adverse selection, and thus the government needs to intervene once in a while as a regulator to maintain the solvency of the system

Utilização de 5S, Kanban e Layout para a melhoria do controle de estoque em um varejo de materiais para construção

Many small businesses suffer from a lack of control of goods stored. This lack of control affects other areas of the company as purchase, that can’t buy material in an advanced and accurated way. It also affects services provided by the company, especially when it is a store because for sell something it is necessary to have the material in the right time. Futhermore, the business isn’t able to identify obsolete items in stock, theft and vandalism, loss or damage to materials. All of these disorders can be converted into financial losses that make much difference to a small business that needs to remain competitive in the market facing the giants while generating a profit that allows it to invest in their growth. Therefore, any unnecessary expense is exceedingly harmful and any savings already differentiates it from other companies of similar size. This study deals with the application of production engineering tools as 5S, kanban and layout in a building materials retail to tackle problems that prevent this company to have a stock organized and accurated. Finally, we recorded gains that the company reached with the implementation of part of the solution proposed

Análise de desempenho por meio de indicadores econômico-financeiros em uma empresa prestadora de serviços

The performance analysis based on indicators is an important tool when you want to check the economic and financial situation of a company. From the information provided by the ratios and their analysis, we have a better base for a decision making In this context , this study aims to analyse the financial and economic performance of a service providing company in the cleaning area, in the period between 2011 and 2012 , based on selected financial indicators, and basically calculated from the financial statements (Balance Sheet and Income Statement) , beyond effectuated the vertical and horizontal analysis of them. For the methodological procedures it was used a descriptive case of study and combined (quantitative and qualitative). The results revealed that the economic and financial situation of the company is healthy , once the results are considered satisfactory

Viabilidade de turbinas eólicas de pequeno porte no Brasil

Facing a global scenario where oil is scarce and the emission of CO2 in the atmosphere is a world concern, the search for new methods of energy production becomes the focus of all countries. Based on these assumptions, the wind power gains highlight and happen to be the most exploited around the world, since this does not produce toxic waste, since it uses the wind, no raw material shortage and its cost and efficiency are increasingly attractive. Taking advantage of the geographical features of Brazil, coastal and territorial extension, this study aims to analyze the feasibility of using wind turbines widely used in Germany, one of the countries with the highest production of energy through wind, in Brazil. In order to increase the energy production without causing more environmental impacts, geographical analyses will be made, and to determine the features and costs of production of this type of energy generation, and at the end of this dissertation, will finish for one of the turbines, Montana, is it feasible to install, however due to the Government's little incentive return is not very expressive. With respect to the turbine Passaat, this is infeasible to install under current conditions

Avaliação da viabilidade econômica da implantação de uma usina de triagem e compostagem na cidade de Rio Claro-SP

The question of the solid waste is without a doubt one of the biggest problems faced for the world-wide population in the present time, resulting in the call “collapse of the garbage”. In this direction that appears the composting, in the scope of the treatment of organic waste origin, that in Brazil, approximately correspond 50% of the generated volume. However, the rare plants of selection and composting (UTC) existing at least do not obtain auto-to support themselves, increasing to each day the number of deactivations, almost always related the financial questions. In this direction, the present research brings the analysis of the economic viability of the implantation of a UTC for the city of Rio Claro-SP, relating it with the thick organic composition sales, for the cultures of vegetables cultivated in a ray of 30 km of the study area. For in such a way, they had been carried through, calculations concerning the regional demand for organic composition, and the verification of the implantation costs and operation of the plant. The reached results had been the flow of box for the first year of functioning of the UTC, as well as the break-even point between the gotten expenditures and prescriptions. From this relation investment profitability, it was verified that the UTC is presented impracticable under the economic point of view.

Revisão sobre fármacos quirais e a sua importância na medicina atual

Aspects are discussed on the chirality of drugs and their action in the human body, the benefits of using a drug in enantiomerically pure form and why, even today, despite the risks, many drugs are marketed as racemic mixture. Among the methods of separation there is the High Performance Liquid Chromatography (HPLC) which can be given in different ways using chiral additives in the mobile phase as in the system of ligand exchange in the ion pair system and the system of cavity or inclusion. Note also the wide variety of chiral stationary phases available in the market that allow high specificity using them according to the need and purpose of the method. The review of the topic is extremely important since it is a matter of public interest world that brings into play issues and financial policies

Análise dos royalties do petróleo sob a perspectiva jurídica

This research aims to discuss the division of royalties from a legal perspective and its substitute role towards the non-taxation at source, in other words the taxation of destiny at the Brazilian petroleum industry. The analysis aims to deal with the historical evolution in relation to the aspect of royalties’ payment and its deviation of compensatory character in order to supply the ICMS function. There are some specific study objects in this research: 1. how the transformation of royalties’ payment led to financial compensation; 2. to whom the transference of mineral rent belongs – to the UNIÃO or to the fortunate regions which the oil is extracted; 3. would a tax reform be enough to minimize the competition of States and Cities towards the royalties? The research aims to clarify the real expectation that States have on the royalties’ payment. There is no compensation for damage to the environment as it is stated by the initial characteristic of the Constitution, and, by the contrast, from a compensatory character, there is a lacking of taxation from the sector mentioned before, this fact damages the producing states checked out by this research

Arquitetura educacional: edifício escolar

O ensino básico elementar e complementar é um elemento primordial para o desenvolvimento humano (aluno) e é a fonte da sabedoria e da ampliação do conhecimento científico. Para desenvolvimento e crescimento populacional de um país é fundamental o investimento, ou ampliação da rede educacional. A falta do número suficiente das escolas e professores nos últimos anos tem sido a maior preocupação dos alunos e também do Ministério da Educação Nacional em Bissau, mas com a falta das condições financeiras e da coordenadoria dos projetos educacionais o País acaba de abarcar tais situações. A procura do ensino básico elementar e complementar (liceu) no interior do País foi e ainda é até hoje, uma das causas do êxodo rural. Antigamente o enquadramento dos filhos dos agricultores na escola era visto para os pais como o abandono da família principalmente nos trabalhos domésticos e do campo/lavora; devido a falta das escolas eles são obrigados de abandonar regiões deles a fim de procurar as escolas, ou seja, escola que atende os seus níveis escolares, mas hoje em dia com mentalidade diferente em relação ao passado todas as pessoas querem adquirir ensino, ou seja, a formação educacional. Com as experiências vividas ao longo do período em Guiné-Bissau nos últimos anos, a rede de ensino não cresce proporcionalmente em relação ao crescimento populacional, muitas das vezes as suas ampliações sempre foram feitas através de uma forma provisória e desconfortável aos seus usuários. Então a idéia da criação de um novo complexo, ou projeto do Edifício Escolar para a República da Guiné-Bissau ajudará futuramente para o desenvolvimento do País, isto é, se for implantados em Bissau e multiplicados no interior da Guiné-Bissau. O objetivo deste Trabalho de Conclusão de Curso foi desenvolver o projeto... (Resumo completo, clicar acesso eletrônico abaixo)

Estudo comparativo do desempenho empresarial no Brasil e na China no período de 2005-2009: uma análise de empresas de capital aberto do setor de siderurgia

A teoria em finanças tem evoluído cada vez mais aproximando a teoria financeira às práticas reais adotadas nas empresas e nos mercados financeiros. A partir de Modigliani e Miller, que contribuíram para o ramo das finanças com a teoria da Irrelevância Financeira, o caminho se abriu para uma série de debates a cerca da importância das variáveis financeiras na determinação do valor da empresa. Foram levantados questionamentos a respeito da perfeição dos mercados e apresentado argumentos como a assimetria de informações, os custos de agência, a restrição financeira e outras implicações à teoria do investimento. Atualmente o que se sabe é que o fator investimento está altamente ligado às finanças e, portanto, relaciona-se com os meios de financiamento presentes no mercado e com a organização interna e financeira das firmas, esse ramo de estudo recebe o nome de Finanças Corporativas. Diante da teoria financeira, o objetivo é analisar a indústria siderúrgica de duas economias atualmente em destaque, Brasil e China através da análise econômico-financeira de quatro empresas de capital aberto do setor: Gerdau, Usiminas, Baosteel e Masteel. Cabe destacar que a indústria siderúrgica é base para outras indústrias, como construção civil, automóveis, máquinas, entre outros e, por isso, é tida como sinalizadora do desenvolvimento econômico de um país, assim também, o Brasil e a China são caracterizados como grandes potenciais emergentes e fontes de atração de investimentos internacionais

Estudo do conjunto habitacional da CDHU S.J.C. e proposta de implantação de soluções economicamente viáveis

The Integrated Project developed here proposes the application of sustainable technologies to reduce costs and rational use of water and electricity in housing. The reduced consumption of resources and expenditures intended to ensure that families have financial ability to maintain their homes thus avoiding default and legal problems. The object of study that enabled the development of this work is the Housing Interlagos in São José dos Campos. Was analyzed the type of residence of the housing, the demographic characteristics of the region and the socioeconomic conditions of the borrowers, and from these data, was proposed solutions for sustainable housing

Chuva, vulnerabilidade social e percepção do risco na cidade de São Paulo: impactos de eventos extremos nos bairros da Freguesia do Ó e do M’Boi Mirim

The city of São Paulo has, since the beginning of the expansion of its urban sprawl, represented relations of conflicts and contradictions between society and nature. Once the way society relates to nature is defined by how the social agents themselves correlate in certain social and historical contexts, the ways of interaction between the social and natural elements will be different according to the forms of production and appropriation of the urban space. Even more evident is the case of the great national metropolis, given its demographic dimensions and historical conditions, the process of urban expansion follows a logic where spaces of better quality for housing are occupied by those of better financial conditions. Thus, although there are exceptions, the poorest people live in places less desirable, in less resilient environments of lower environmental quality, relating to nature and its phenomena with greater risks. These risks are reflected here as recurring flooding, mudslides and landslides for which the rain is constantly blamed. So we have a situation where it is clear that a weather phenomenon differently interacts with different social groups. In this context, the study was conducted to compare extreme events occurred in two regions of São Paulo: the Freguesia do O, in the north side, and M'Boi Mirim, in the south side. Both are regions with large number of risk areas and are in the same urban climate unit. However, they present different conditions of social vulnerability. With the investigation of each extreme rain event occurred in the two regions, in the period of 2000-2010, supplemented by field research, we tried to observe how far the rain, with his intensity and volume, can, in fact, be related to the accidents.

O impacto da utilização do Home Broker sobre o custo de transação no mercado financeiro, alocação de carteira e assimetria de informação

O Objeto de estudo dessa monografia é a introdução de uma ferramenta como o Home Broker no mercado acionário brasileiro, e como essa ferramenta impactou as aplicações dos investidores domésticos. A análise desse trabalho pretende avaliar o mercado sob a ótica de três características principais: custos de transação, alocação de carteira e assimetria de informação

Considerações sobre o gerenciamento da construção civil em obras residenciais verticais

The civil construction is an industrial sector of great economic importance and that it comes exponentially growing in the country. However, this activity is deficient in its management processes, and in this context that the management of construction as a way of organizing and controlling all the technical and construction of an enterprise. The literature shows that the manager has a key role throughout the process of planning, execution and analysis of the results of the work being of prime importance that all steps have its due attention in order to avoid any technical problems or lack information. The management’s main objective is the transparency of technical and financial information to investors and their assessments of physical and financial performances of the work intervened positively in quality, deadlines and costs. In this sense, this paper aims to present consideration about the proper management of a residential development in vertical construction

White Noise e Cosmopolis: análise do processo de desumanização em ficções pós-modernas

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)