O papel da tecnologia da informação e comunicação na inclusão financeira da população ribeirinha da Ilha de Marajó: o caso Agência Barco

O desafio de ofertar infraestrutura de serviços públicos nas regiões menos desenvolvidas do Brasil, geralmente mais afastadas dos grandes centros urbanos, mobiliza setores da sociedade na busca de abordagens novas e criativas que possam diminuir as grandes disparidades inter-regionais. Uma das carências vivenciadas por parte da população brasileira é a falta de acesso ao sistema financeiro, comprometendo a capacidade de plena participação dessas pessoas na economia, dificultando a geração e acúmulo de riqueza, situação essa presente na Ilha de Marajó, no estado do Pará, cuja maioria de seus dezesseis municípios apresenta Índice de Desenvolvimento Humano (IDH) baixo ou muito baixo. Para mudar essa realidade, uma iniciativa inovadora é a agência bancária itinerante instalada em barco, para atendimento a populações ribeirinhas de regiões com vasta extensão territorial, baixa densidade demográfica, dificuldades de transporte e limitações na oferta de tecnologia da informação e comunicação (TIC). Assim, essa pesquisa, com propósito exploratório e descritivo, tem como objetivo principal identificar, sob o ponto de vista das TIC, como os indicadores de inclusão financeira são influenciados pela atuação da Agência Barco na Ilha de Marajó. Além do estudo teórico, foi realizada investigação empírica, por meio de observação direta e entrevistas semiestruturadas com clientes e funcionários da Agência Barco, realizadas ao longo de quatro dias, em duas cidades da Ilha de Marajó. Para análise dos dados, foram aplicadas técnicas de análise de conteúdo às entrevistas, com objetivo de identificar a presença de elementos de inclusão financeira, transpondo os resultados para um modelo heurístico de infoinclusão dinâmica (2iD), o qual foi adaptado para contemplar constructos de inclusão financeira. O resultado da pesquisa demonstra que a Agência Barco consegue suprir as necessidades de acesso a serviços e produtos financeiros pela população da Ilha de Marajó, ao mesmo tempo em que se identifica oportunidades para ampliação de aspectos relacionados à educação financeira, possibilitando fortalecer os componentes dinâmicos do processo de inclusão financeira, com aumento da conscientização e consequente aumento da demanda por serviços e produtos financeiros.

O processo de descentralização da gestão orçamentária nos núcleos regionais da Agência Nacional de Saúde Suplementar: um estudo de caso

O presente estudo teve como objetivo analisar como se deu a descentralização da gestão orçamentária na Agência Nacional de Saúde Suplementar em suas Coordenadorias de Brasília e São Paulo e em que medida é possível replicá-la aos demais Núcleos Regionais espalhados em todo território nacional. Para tanto, apoiou-se em um conjunto de dados/evidências levantados a partir da revisão da literatura, pesquisa documental e pesquisa de campo envolvendo observação participante e aplicação de entrevistas e questionários. Como estratégia de pesquisa foi utilizado o estudo de caso, visto tratar-se da análise de uma intervenção em uma organização, no caso a Agência Nacional de Saúde Suplementar, com o intuito de esclarecer como e por que as decisões foram implementadas e com quais resultados. Para a compreensão do fenômeno estudado, necessitou-se explorar os conceitos da descentralização, compreender as especificidades que afetam o grau de descentralização, investigar a experiência acumulada nos Núcleos que possuem Coordenadorias de Administração Descentralizada e identificar a viabilidade de instalação de CADs nos demais Núcleos. A despeito dos problemas observados e relatados na implementação do processo, é visível os ganhos obtidos com a descentralização, tanto na percepção dos gestores envolvidos quanto dos servidores das unidades descentralizadas. A análise documental também comprovou que ganhos de eficiência e gestão foram obtidos nessas unidades, mas correções devem ser realizadas. Mediante a análise dos dados apresentados, verifica-se que a descentralização das demais unidades é possível, e resolveria alguns dos problemas relatados pelos servidores, criando uma gestão mais participativa que se adeque as especificidades locais, mas a replicação desse modelo aos demais núcleos passa primeiramente por uma efetiva avaliação e ajustes das unidades já implantadas.

Avaliação de recursos genéticos agrícolas: análise nutricional e anti-nutricional de variedades regionais de feijão (Phaseolus vulgaris L.)

O presente trabalho teve como objectivo proceder à avaliação da qualidade nutricional de 20 variedades regionais de Phaseolus vulgaris L. e à análise comparativa dos parâmetros bioquímicos (nutricionais e anti-nutricionais) obtidos recorrendo às técnicas analíticas convencionais por química molhada e de NIRS (Near Infra-Red Spectroscopy). Uma tipificação das variedades regionais de feijão foi realizada recorrendo a sete parâmetros ou caracteres (traits) nutricionais compreendidos em humidade, proteína bruta, lípidos totais, açúcares solúveis, amido, cinzas e minerais. A faseolamina foi incluída na tipificação do feijão como parâmetro anti-nutricional enquanto inibidor de enzimas digestivas. A variedade que apresentou uma melhor qualidade nutricional foi o feijão vermelho (ISOP 00724), enquanto que o feijão Filipe (ISOP 00478) apresentou uma maior actividade inibitória da PPA (amilase do pâncreas suíno), contribuindo de igual forma como uma característica de qualidade deste feijão. A aplicação de técnicas de quimiometria na quantificação dos vários parâmetros de qualidade nutricional, através da técnica de NIRS, permitiu o desenvolvimento dos modelos PLS globais após a colecção dos valores de referência e obtenção dos respectivos espectros de cada ISOP em análise. A análise comparativa dos parâmetros nutricionais, recorrendo às técnicas analíticas convencionais por química molhada e de NIRS, permitiu relacionar os parâmetros cinzas e proteína bruta como os principais critérios nutricionais para distinção das variedades regionais quanto à sua qualidade, ao diferirem significativamente relativamente aos parâmetros restantes. A partir destas duas técnicas, conclui-se que a espectroscopia NIR associada a técnicas de análise multivariada consegue quantificar os parâmetros em estudo, permitindo distinguir amostras das variedades regionais, quanto às suas características nutricionais, exigindo uma preparação reduzida da amostra, com consequente custo de análise muito reduzido. Este trabalho representou o início de uma base de fenotipagem a partir de caracteres nutricionais, estabelecendo-se um perfil das variedades regionais de feijão e avaliação da importância dos caracteres na sua distinção e tipagem.

Potencial larvicida de extratos de plantas regionais no controle de larvas de Aedes aegypti

Dengue, amongst the virus illnesses one can get by vectorial transmission, is the one that causes more impact in the morbidity and mortality of world s population. The resistance to the insecticides has caused difficulties to control of vector insect (Aedes aegypti) and has stimulated a search for vegetables with larvicidal activity. The biodiversity of Caatinga is barely known and it is potential of use even less. Some plants of this biome are commercialized in free fairs northeast of Brazil, because of its phytotherapics properties. The vegetables in this study had been selected by means of a questionnaire applied between grass salesmen and natives of the Serido region from Rio Grande do Norte state; culicids eggs had been acquired with traps and placed in container with water for the larva birth. Thirty larvae had been used in each group (a group control and five experimental groups), with four repetitions four times. The vegetables had been submitted to the processes of decoction, infusion and maceration in the standard concentration of 100g of the vegetable of study in 1l of H2O and analyzed after ½, 1, 2, 4, 8, 12, 24 and 48 hours for verification of the average lethal dose (LD50) from the groups with thirty larva. The LD50 was analyzed in different concentrations (50g/l, 100g/l, 150g/l, 200g/l e 300g/l) of Aspidosperma pyrifolium Mart. 48 extracts of rind, leaf and stem of the seven vegetal species: Aspidosperma pyrifolium Mart., Mimosa verrucosa Benth, Mimosa hostilis (Mart.) Benth., Myracrodruon urundeuva Allemão, Ximenia americana L, Bumelia sartorum Mart Zizyphus joazeiro Mart, had been analyzed. The extracts proceeding from the three methods were submitted to the freezedrying, to evaluate and to quantify substances extracted in each process. The results had shown that Aspidosperma pyrifolium Mart. and Myracrodruon urundeuva Allemão are the species that are more distinguished as larvicidal after 24 hours of experiment, in all used processes of extraction in the assays. The Zizyphus joazeiro Mart species has not shown larvicidal activity in none of the assays. In relation to the extraction method, the decoction was the most efficient method in the mortality tax of the A. aegypti larvae

Normas tributárias indutoras na concretização do princípio constitucional da redução das desigualdades sociais e regionais

The Federal Constitution states that the reduction of social and regional inequalities is one of the goals to be achieved by the Brasilian State. The economic constitution states that the national economy must be developed so as to achieve, amongst other objectives, the reduction of those inequalities. In this paper, we aim to demonstrate the duty, imposed by the Constitution to the State, of acting in the national economy so as to promote the achievement of the constitutional goals, among wich we highlight the reduction of inequalities. One of the instruments that can be used by the State to achieve this objective is its fiscal policy. It is also an aim in this paper to demonstrate that inducing tax norms can be used by the State, because it can encourage the economic agents to bring about the reduction of social and regional inequalities. Therefore, after bibliographic and jurisprudential research, we conclude that the duty, imposed to the State, of acting in the national economy so as to promote the achievement of the constitutional goals exists. We also conclude that this acting must be planed and constant, because the consequences are slow and that, within the limits of the constitution, the inducing tax norms can be an instrument for the State in order to reduct the social and regional inequalities

O princípio constitucional da redução das desigualdades regionais e o transporte de gás natural

In a country of continental dimensions as Brazil, one of the top challenges to its economic growth is the logistic related to energetical demand supply. We live now in the era of environmental protection and, in this new context of priorizations, it passes trough the search for alternative energies for the energetic matrix, due the petroleum elevated costs in the global market (and its finitude), but also due its pollution over the environment. This attempt of substitution needs solutions related to the national reality, into a national long term developing plan and based at a juridical-economic analysis of its realization. This study will look for, also based in an economical analysis, the juridical legitimity of choosing natural gas as the new protagonist of national economic growth (as a substitute of petroleum) and the necessary boost that must be done by law, based on an economic policy focused strictly for that fact, as a modifying agent of this reality. This study, therefore, will always be turned to a constitutional aspect, respecting the principles of economic order and the goal of reducing regional inequalities, which must influence the making off of a developing plan. At the end, it will try to demonstrate the juridical viability of such undertaking, tuned in jus-economical criteria. Another goal is related to the analysis of the natural gas industry, due the regulation of its transport has a major importance for national energetic integration, not only because this activity be characterized as a net industry, still under control of a natural monopoly, but also because the competitive or cooperative profile that should be priorized at the beginning of the economic planning for this activity (such as investment policies and its own rules that will submit private agents)

O princípio constitucional da redução das desigualdades regionais e os campos maduro-marginais de petróleo: aspectos regulatórios e fiscais

Under the circumstances of the desestatization that penetrate Brazilian economy in the 90‟s, new features in the monopoly of oil by the Union were designed by the constitutional amendment number 9. of 1995. This deep change in the legal regime of oil sector brought the possibility of entrance to small and medium size producers in this industry, especially through the production activities developed in mature and marginal fields of oil, which are located mainly in northeast region of Brazil. Considering that the intervention of state over the economy finds its guidelines and limits in Federal Constitution disposals, the present work investigated in which way states regulation, mainly through taxation rules, has obeyed the constitutional regime in force, and specially, the reduction of regional inequalities principle. By mean, firstly, of an analysis of central concepts (mature fields, marginal fields, small and medium size producers) we observed that the imprecision over the conceptual aspect has constituted an obstacle to a specific states‟ regulation, directed to this newborn class of producers, whose growth has been pursuit by the state. That is verified in the case of concession procedures, and also, concerning the taxation system applied to small and medium size producers. Examining the main constitutional principles related to this universe which are the legality, equality, privileged treatment to small enterprises, contributive capacity, and reduction of regional inequalities we conclude that it is legally possible, a truly specific regulation, including a special taxation regime, to the small and medium size producers whose activities are concentrate over mature-marginal fields, aiming the concretization of the Brazilian state main goals

As zonas de processamento de exportação como instrumento de desenvolvimento e redução das desigualdades regionais

The existence of inequalities among the Brazilian regions is an indeed fact along the country s history. Before this reality the constitutional legislator inserted into the Federal Constitution of 1988, as a purpose of the Federative Republic of Brazil, the reduction of regional inequalities. The development has also been included as a purpose from the State, because there is an straight relation with the reduction of regional inequalities. In both situations is searched the improvement of people s living conditions. . In pursuit of this achievement, the State must implement public policy, and, for this to happen, it needs the ingress of income inside of the public coffers and support of economic agents, therefore the importance of constitucionalization of the economic policy. The 1988 s Constitution adopted a rational capitalism regime consentaneous with current legal and social conceptions, that s why it enabled the State s intervention into economy to correct the so-called market failures or to make the established objectives fulfilled. About this last one, the intervention may happen by induction through the adoption of regulatory Standards of incentive or disincentive of economic activity. Among the possible inductive ways there are the tax assessments that aim to stimulate the economic agents behavior in view of finding that the development doesn t occur with the same intensity in all of the country s regions. Inside this context there are the Export Processing Zones (EPZs) which are special areas with different customs regime by the granting of benefits to the companies that are installed there. The EPZs have been used, by several countries, in order to develop certain regions, and economic indicators show that they promoted economic and social changes in the places where they are installed, especially because, by attracting companies, they provide job creation, industrialization and increased exports. In Brazil, they can contribute decisively to overcome major obstacles or decrease the attraction of economic agents and economic development of the country. In the case of an instrument known to be effective to achieve the goals established by the Constitution, it is duty of the Executive to push for the law that governs this customs regime is effectively applied. If the Executive doesn t fulfill this duty, incurs into unjustifiable omission, correction likely by the Judiciary, whose mission is to prevent acts or omissions contrary to constitutional order

Caracterização de matérias-primas regionais e desenvolvimento de formulações de massas cerâmicas para porcelanato

Initially concentrated in some poles at the South and Southeast regions of Brazil, the ceramic tiles industry became wide during the 80 s decade, with a disconcentration industrial and regional pulverization. The competitiveness in the ceramic tiles internal and external consumers markets, it has debtor the industries to invest in sophisticated products each time more, either in design or the technology, but, mainly, in its final properties. Amongst the diverse types of ceramic coating, the porcelanato if has detached had to its process of technological production and excellent characteristics techniques. The Porcelanato is currently the material for coatings that presents the best technical and aesthetic features when compared with others ceramics found on the market. The chemical composition and the others raw materials characteristics have an importance that must to be ally to the inherent characteristics of fabrication process, essentially those related to the cycle of burning. This work had as purpose to develop formularizations of ceramic mass for production of porcelanato without glass coating, pertaining to the group BIa (text of absorption of water ≤ 0.5%) and with resistance superior mechanics 35MPa from raw materials characterized. The ceramic raw materials selected to the development of this study (A1 and A2 clays, feldspate, talc and quartz) were submitted to the following tests: X-ray fluorescence - chemical analysis determination; X-ray diffraction - Analysis of the stages mineralogics; Laser granulometry - size distribution of particles; and Differential thermal analysis - thermal behavior. Were performed tests of absorption of water, lineal retraction of it burns, apparent specific mass and rupture tension the flexing. The results had evidenced that the formularizations that had the A1 clay and talc on its composition were efficient for the porcelanato production remaining their technological characteristics inside of the intervals of variation desired by the Norms of the ABNT

Recuperação e purificação de quitosanases usando adsorção em leito expandido com streamline DEAE com modelagem e simulação usando redes neurais

Expanded Bed Adsorption (EBA) is an integrative process that combines concepts of chromatography and fluidization of solids. The many parameters involved and their synergistic effects complicate the optimization of the process. Fortunately, some mathematical tools have been developed in order to guide the investigation of the EBA system. In this work the application of experimental design, phenomenological modeling and artificial neural networks (ANN) in understanding chitosanases adsorption on ion exchange resin Streamline® DEAE have been investigated. The strain Paenibacillus ehimensis NRRL B-23118 was used for chitosanase production. EBA experiments were carried out using a column of 2.6 cm inner diameter with 30.0 cm in height that was coupled to a peristaltic pump. At the bottom of the column there was a distributor of glass beads having a height of 3.0 cm. Assays for residence time distribution (RTD) revelead a high degree of mixing, however, the Richardson-Zaki coefficients showed that the column was on the threshold of stability. Isotherm models fitted the adsorption equilibrium data in the presence of lyotropic salts. The results of experiment design indicated that the ionic strength and superficial velocity are important to the recovery and purity of chitosanases. The molecular mass of the two chitosanases were approximately 23 kDa and 52 kDa as estimated by SDS-PAGE. The phenomenological modeling was aimed to describe the operations in batch and column chromatography. The simulations were performed in Microsoft Visual Studio. The kinetic rate constant model set to kinetic curves efficiently under conditions of initial enzyme activity 0.232, 0.142 e 0.079 UA/mL. The simulated breakthrough curves showed some differences with experimental data, especially regarding the slope. Sensitivity tests of the model on the surface velocity, axial dispersion and initial concentration showed agreement with the literature. The neural network was constructed in MATLAB and Neural Network Toolbox. The cross-validation was used to improve the ability of generalization. The parameters of ANN were improved to obtain the settings 6-6 (enzyme activity) and 9-6 (total protein), as well as tansig transfer function and Levenberg-Marquardt training algorithm. The neural Carlos Eduardo de Araújo Padilha dezembro/2013 9 networks simulations, including all the steps of cycle, showed good agreement with experimental data, with a correlation coefficient of approximately 0.974. The effects of input variables on profiles of the stages of loading, washing and elution were consistent with the literature

Municipalização da saúde no Brasil: diferenças regionais, poder do voto e estratégias de governo

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Determinantes de competitividade de destinos turísticos aplicados aos roteiros regionais: uma avaliação do roteiro Seridó/RN

The tourism industry is gaining representation by move and stimulate the economy, especially by allowing the generation of employment and income, thus allowing growth opportunities for localities where tourism develops. Therefore, the present study entitled determinants of competitiveness of tourist destinations applied to regional routes: an evaluation of the Route of Seridó/RN, discusses the issue of competitiveness in tourism and tries to understand the scenery of this Route. The main objective of the study is to assess the conditions of competitiveness in the Route of Seridó/RN according to benchmarks and global determinants of competitiveness for tourist destinations. The study has also as specifics objectives: define dimensions of the reference model for use in evaluating the competitiveness of the Route of Seridó/RN; identify levels of governance and competitiveness in the municipalities that make up the sample set above the Route, and analyze to what extent the competitiveness of the Route correspond to the global reference of competitiveness of tourism destinations. Regarding the methodology, it is a search for an exploratory- descriptive and used a combination of quantitative and qualitative research method as expected and required in the implementation of the evaluation tool called Compet&enible Model. For data collection, it has been taken technical visits and also analysis of documents and materials. Data analysis was based on the records and documents and the use of simple descriptive statistics for the scores of the elements offered by Compet&enible Model. The results allowed us to know the real conditions of competitiveness of the Seridó/RN Route forward to the attributes of tourist destinations for global competitiveness: the dimension I, Governance, reached 17 points, classified as "in structuring" and dimension II, Competitiveness, reached 10 points, ranking "weak". These results highlight the need for greater involvement of the actors in the supply chain of tourism in Polo Seridó/RN for the actions, programs and projects are put into practice. It is expected that tourism is considered an important activity for the local and global development, serving as a reference for the future management of Seridó/RN Route, guiding new policy guidelines, planning and organization to better competitiveness

Características regionais sobre a ultra-estrutura das células principais do epitélio do ducto epididimal de Agouti paca

The principal (P) cells of epididymidis surface epithelium of Agouti paca were related to processes of adsorptive endocvtosis and phase-fluid endocvtosis, as well as protein secretion apparently also occur. These findings had been proposed on the base the cytoplasmic ultrastructural features of P cells in which were seen an expressive number of vesicles with several shapes, sizes and internalized content occurring also smaller pits and pale small vesicles located next to the apical brush border of microvilli. Moreover, occurred coated vesicles, smooth surface vesicles and great vesicles; multivesicular bodies, endosomes and lysosomes mainly viewed on supranuclear and apical positions. Presence of an appocrine secretory pathway was characterized in P cells through the occurrence of apical cytoplasmic expansions, protruding into the ducts epididymidis lumina) compartment.