992 resultados para Inclusão financeira


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The incipient but quickly expansion action on the Information and Communications Technologies (ICT) in Africa it is now just having different impact on these societies. One of these relates bear on how users are identified with these tools. Just like that we find individuals identify as bloggers, twitter followers or cyber activist. This contribution analyzes the Senegal’s fact where a successful use of social nets and web 2.0 tools experience (at least in repercussion) as social and political involvement while presidential elections in 2012 is tied to come back an identity: Cyber activist. Senegalese circumstance shows us how this identity has a personal and assertiveness dimension as well collective aspects of belonging to a community. One as much as the other, show us personal traits in contrast to previous beliefs, basically because it fuse and confuse virtual and reality. Due to dynamics from expanding technology, this identity is youthful and urban, but not only. This situation creates new dynamics at least in this affected group. For this reason, besides knowing emergence and evolution of this fact, it raises some of the involvement in social and political involvement from groups traditionally “invisible”. Beyond the new social behavior there are new changes in the rules of the game in order to start new social revolution.

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The objective of thisstudy was to verify, using the Ecological Development Theory (EDT), as the practice and swimming learning for People With Disabilities (PWD) causes changes to both the practitioner and in other environments experienced by it as well as the other environments influence the learning to swim. The study included 16 PWD, students linked university extension project, Department of Physical Education of UNESP Bauru, taught by coordinators LAPEF, which aims to includes wimming in the PWD ofevery day life, students linked to an institution of Bauru-SP, three employees of the institution and two swimming project teachers.Interviews with the families of the students were made, with the institution s employees, with the project teachers and analyze thes wimming lessons applied in the project for one semester. Based on the results we can say that the practice and learnings wimming for PWD causes changes to both the practitioner and for other environments experienced by her (home, institution) and also, what other environments experienced by PWD influence in practice and process of learning to swim. Using the terminology of EDT, we conclude that theme so system (home activities institution) influences in the microsystem (swimming lessons) and the microsystem influences the mesosystem, so the activity was significant and temporal persistence influencing the development of PCD.

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The objective of this paper is to discuss issues related to digital inclusion and citizenship in Brazil, through the approach of public policies gestated by the State in an attempt to insert Brazil in the Information Society via Digital Television through two projects: Brazilian Digital TV System (SBTVD) and the Brazilian National Internet Broadband Plan (PNBL), also called “Brazil Connected”. The methodology used was exploratory, with the procedures of bibliographic and documentary research, with the goal of pointing out how actions have been articulating and gestated by the Brazilian government.

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

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

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Pós-graduação em Psicologia do Desenvolvimento e Aprendizagem - FC

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Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

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Pós-graduação em Educação - FCT

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This thesis work aims to bring a better viewing on an atypical case of financial analysis. The lstituto per le Opere di Religione (IOR), commonly known as the Vatican Bank, has peculiarities according to its goals as a bank. Belonging to a Catholic religious congregation, IOR has been used to manage the resources of the church, and ensure that these resources are used for the operation of it and, also for religious works. However the financial transactions made by the bank remained secret throughout its existence until mid 2012. This feature of not providing relevant information at the local and international community brought harm. Several cases of corruption and money laundering came up, bringing scandals that cause bad looks for the religious entity. In order to interact with the international community and understanding the importance of it, the Roman Apostolic Catholic Church decides to joing the international accounting procedures (IFRS) and went on to provide yearly financial statement reports and other information from its bank from 2012 . Thus, this thesis work takes on the role of analyzing the financial statements of the IOR and present its economic and financial health from the Capital Structure ratios, liquidity and profitability in the period 2012-2014. Overall, there has been a significant reduction in indebtedness 548% in 2012 to 362% in 2014. However, such an index showing is still high. In addition, the debt profile remained bad (87.47% short-term in 2014). The Liquidity ratios, both indices fell during the analysed period. Noteworthy is that even with retractions, the indices are equal or greater than 1, which indicates financial footing able to pay off debts. Regarding profitability, in 2013 it represented atypical moment, considering the economic performance of the IOR in the investigated period. There was decrease in profits this year, which resulted in great loss of the indicators in 2013. For the previous and subsequent...

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The objective of this study was toevaluatethe effect of the co-digestion of triturated sugarcane with beef cattlerfeddlotmanure in continuous digestorsin the amount and quality of biogas and biofertilizer. To do so, the work was divided in three steps. The first and the second part lasted30 days each and evaluated the effect of the additionof 7% of triturated sugarcane in agreement with the followingtreatments:treatment, the digestors were supplied with a mixture of 0,250 kg of manure and 1,750 kg of water ;treatment 2, the digestors were supplied with a mixture of 0,250 kg of manure, 1,610 kg of water, and 0,140 kg of triturated sugarcane. To The third period lasted 30 days and evaluated the effect of adding 3.5% of sugarcane crushed. The data analyses was performed with randomized designusing SAS®program with level of significance of 5%. The digesters with sugarcane produced in the first period respectively 0.79, 0.0127, and 0.102 m3of total production, of biogas production per kilogram of substrate, and of total production per kilogram of manure versus 0.5, 0.0081, and 0.065 m3from the control treatment, respectively..In the thirdperiod,each variable had a total production of 0.76, 0.123, and 0.98 m3and the control treatment yielded 0.51, 0.065, and 0.0082 m3.In the second period,the total production per kilogram of solidand of volatile solids added were higher in the digesters without sugarcane (0.0093 and 0.438 m3) when compared to the digesters that had additionof 7% of cane(0.271 and 0.336 m3).

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The objective of this work for evaluating the potential of biogas and methane productions and still and reductions in levels of total solids (TS), volatile solids (VS) and neutral detergent fiber (NDF) of the co-digestion anaerobic digestion in digesters fed with swine manure plus disposal of oil and lyophilized microorganisms. For assay development substrates were prepared containing 4% TS, consisting of swine manure, disposal oil (the proportions 8, 10 and 12% oil content in relation to the substrate TS), lyophilized microorganisms (Biol-2000 ® - concentrations of 10 g/m3 and 15 g/m3 ), water for dilution of this waste and inoculum for batch digesters supply. There was no significant difference with respect to reductions in TS, VS and NDF constituents, providing very significant reductions in average 54.14; 62.79 and 49.16% respectively. Regarding the potential of biogas production, the highest yields occurred in digesters supplied with 10% oil and 15 g/m3 of Biol®, being 0.43 and 0.54 L of biogas per kg of TS and VS added, respectively, similar results were found when assessed the potential for methane production, with higher values (0.22 and 0.27 L of methane per kg of TS added and VS, respectively) obitidos the same treatment. The inclusion of 15 g/m3 in Biol® substrate composition containing swine manure and 10% of oil improves the yields of biogas and methane.