O incumprimento do contrato de crédito ao consumo pelo consumidor

Consumer relations, established between the Consumer and the Creditor, which carry a consequent inequality of contractual positioning between the parties, have been pushing the legislator to adopt more rigid regulations with regard to lending for the purchase of goods or services of consum issues. In this sense, the Decree-Law 359/91 was approved, meanwhile repealed by the Decree-Law 133/2009, which regulates the consumer credit agreement’s regime in the portuguese legal system. Through this contract, the financier makes available to the consumer a certain amount of money, which the consumer must repay, plus the respective remuneration (interest) and other charges, according to a refund plan agreed by the parties. The consumer will be in delay if he breaches this stipulation. In case of default, the creditor, notwithstanding, can choose to wait for the performance by the debtor, promote the loss of benefit of the term or the termination of the contract. From the outset it would seem that, in one way or another, the financier, by imposing a forced shortening of the contract duration initially agreed, will lose the right to remuneration for the provision of capital agreed, but not verified. Nevertheless, unlike presently, the previous regime allowed the parties to rule otherwise, being permitted to agree to the payment of interest of outstanding installments. On the other hand, in the consumer credit contract the principle of freedom of contractual provision of the parties is strongly mitigated by the special legislation, which prevents the waiver of rights by the consumer, and by the regime of general contractual terms, which restricts the freedom of the financier to stipulate the contractual content freely and the freedom of the consumer to negotiate. For all these reasons, associated with the growing need of credit resource to satisfy their needs of consumption, it is confirm the relevance of legislative intervention on consumers protection in the context of hiring credit.

O incumprimento do contrato de crédito ao consumo pelo consumidor

Consumer relations, established between the Consumer and the Creditor, which carry a consequent inequality of contractual positioning between the parties, have been pushing the legislator to adopt more rigid regulations with regard to lending for the purchase of goods or services of consum issues. In this sense, the Decree-Law 359/91 was approved, meanwhile repealed by the Decree-Law 133/2009, which regulates the consumer credit agreement’s regime in the portuguese legal system. Through this contract, the financier makes available to the consumer a certain amount of money, which the consumer must repay, plus the respective remuneration (interest) and other charges, according to a refund plan agreed by the parties. The consumer will be in delay if he breaches this stipulation. In case of default, the creditor, notwithstanding, can choose to wait for the performance by the debtor, promote the loss of benefit of the term or the termination of the contract. From the outset it would seem that, in one way or another, the financier, by imposing a forced shortening of the contract duration initially agreed, will lose the right to remuneration for the provision of capital agreed, but not verified. Nevertheless, unlike presently, the previous regime allowed the parties to rule otherwise, being permitted to agree to the payment of interest of outstanding installments. On the other hand, in the consumer credit contract the principle of freedom of contractual provision of the parties is strongly mitigated by the special legislation, which prevents the waiver of rights by the consumer, and by the regime of general contractual terms, which restricts the freedom of the financier to stipulate the contractual content freely and the freedom of the consumer to negotiate. For all these reasons, associated with the growing need of credit resource to satisfy their needs of consumption, it is confirm the relevance of legislative intervention on consumers protection in the context of hiring credit.

Kixikila - um contrato de financiamento informal

The purpose of the present work is to analyse and provide kixikila legal framework under Angolan law. Kixikila, despite being a legally atypical agreement, is a socially typical contract, governed essentially by the practices and customs in Angola and concluded throughout the country. With the above purpose in mind, this thesis is structured in five chapters: the first one aims at better understanding its features and, therefore, it describes the kixikila in accordance with oral research, direct observation and the contributions of scholars that have examined this matter. The second chapter aims at qualifying the kixikila as a legal transaction. For this purpose, we have analysed its requirements, formation stages, content and form, characteristics, rights and obligations of the parties, effects and compliance. We have also covered the reasons that explain why this type of agreement shall be legally protected in line with the protection conferred upon other legal agreements, taking into account its economic and social function. The third chapter covers the vicissitudes which may occur during the term of the kixikila agreement, as well as the enforcement mechanisms in face of breach and its termination. The fourth chapter aims at qualifying this agreement by comparing its most relevant characteristics with those of typical agreements, with a view to determining its legal nature based upon the similarity with other contractual types. This chapter further makes a comparative synthesis between the contracts in analysis. The fifth chapter analyses the legal nature and legal framework applicable to kixikila taking into account mixed-purpose contracts and sui generis contracts. We conclude that practices and customs in Angola take precedence as regards kixikila. Lastly, we attach additional information, such as excerpts of interviews with some individuals intervening in kixikila, the functional structure of kixikila and examples of kixikila, as well as demonstrative lists of countries where this type of agreement takes place and the obligations arising therefrom.

O contrato de transporte aéreo

The international conventions and agreements on civil liability emerged with the purpose of regulating the liability of the air carrier, bearing in mind two essential factors: i) the need to protect passengers interests, and ii) to ensure the continuous development of an incipient activity by limiting the compensation amounts. This research will focus on the analysis of the nature of the contract of air carriage, as well as the air carrier's liability regime regarding damages endured by passengers that may result from the non-performance of the contract.

Investigaciones adicionales de la pesquería de la anchoveta (Engraulis ringens) en el Perú

Examina las relaciones de los efectos de la población de aves guaneras y la pesquería comercial sobre la abundancia y cosecha total sostenible de la anchoveta. Ademas estudia las relaciones promedios entre esfuerzo pesquero, abundancia de la población y cosecha total aprovechando de un modelo generalizado de productividad de poblaciones de peces, afín de proporcionar algunas bases adicionales para decidir si algún otro modelo es más apropiado en este caso que la logística de Verhulst - Pearl.

Las investigaciones del ictioplancton y el zooplancton en el IMARPE. Necesidades y perspectivas

Ofrece una revisión de los trabajos generados en más de tres décadas sobre la investigación del ictoplancton y el zooplancton en aguas peruanas. Asimismo, se detallan las necesidades y expectativas surgidas de la inquietud por el estudio de estos elementos fundamentales para la vida en el mar.

Resúmenes de las investigaciones balleneras en el Pacífico Sureste y otros océanos

Comprende el resumen de varios trabajos de investigación de ballenas del Pacífico sureste, especialmente de la ballena cachalote Physeter catodon L., especie intensamente cazada e industrializada en las décadas de los años 1960 a 1980 en Chile y Perú. La investigación ballenera en esta zona empezó en 1958 con la preparación de biólogos en los dos países, quienes colectaron el material que luego fue analizado y dio las bases científicas para una caza conservacionista.

Crucero de investigaciones sobre el recurso calamar gigante o pota a bordo del BIC SNP-1. CR.9510-11 Chicama - Pto. Pizarro

Indica los acondicionamiento al BIC SNP-1 para la pesca del calamar y los resultados obtenidos entre la zona de Chicama hasta Pto. Pizarro, en octubre y noviembre de 1995. Asimismo, presenta los resultados de la aplicación del método de captura con máquinas calamareras, sistema de luces y sistema de anclaje y de los muestreos oceanográficos, acústicos y biológicos-pesqueros.

Investigaciones biológico pesqueras en la región Tumbes, Perú. 1996 – 2005

analiza las características oceanográficas del mar de la región Tumbes en relación con el resto del mar peruano.

Cultivo masivo de microalgas en Biorreactores verticales

El cultivo masivo de microalgas en biorreactores presenta una alta tasa de productividad frente a los cultivos abiertos, esta ventaja, aunada a determinados factores ambientales, se relaciona directamente con la cantidad y calidad de biomasa algal obtenida como producto final en el proceso de cultivo. El presente trabajo centró sus investigaciones en la evaluación de los parámetros físicos del ambiente (temperatura e intensidad lumínica), así como, físico-químicos (temperatura, pH y CO2) en la capacidad de carga de los cultivos. La investigación se desarrolló en el invernadero del Área de Biotecnología Acuática, del Instituto del Mar del Perú, dentro del marco del Proyecto IMARPE-EEP-FINCyT, denominado “Determinación de la Biomasa Microalgal potencialmente acumuladora de lípidos para la obtención de combustibles”, según contrato Nº025-FINCYT-PIBAP-2007. Los cultivos se realizaron empleando la cepa IMP-LBA-009, correspondiente a la microalga Nannochloropsis spp., con un flujo de producción semi-continuo por 48 horas, en un periodo de 6 meses, entre julio a diciembre, Bajo condiciones de iluminación (22,003.93 Lux.m-2.seg-1 ±10640.94), temperatura ambiental (31.7°C±2.8), temperatura de cultivo (25.7°C±1.2), CO2 (0.2 g.L-1) y pH (8.36 ±0.18); los resultados mostraron que la producción de biomasa húmeda fue 0.48g.L-1, equivalente a 0.13 g.L-1 de biomasa seca, durante los meses de octubre y noviembre, con una razón de conversión BS/BH del 28%. El impacto lumino-térmico, al interior del invernadero, favoreció el incremento progresivo de la concentración celular del cultivo en biorreactores, por ende, la producción de biomasa húmeda y seca, durante el periodo de trabajo.

Informe Final: Evaluación de satisfacción del cliente interno en la CCB 2009, Vicepresidencia Eje Cívico Social (Gestión) Dirección de Estudios e Investigaciones

Banco del conocimiento

Voz del cliente SQyF, Dirección de estudios e investigaciones acumulado 2011 - 2012

Banco del conocimiento

Guía del registro mercantil: ¿Como inscribir el contrato de preposición?

Servicios registrales

Guía de registro mercantil N° 15 Cómo inscribir el contrato de compraventa con reserva de dominio

Servicios registrales

Resolución No. 132. ¿Cuál es el lineamiento que tiene la CCBen desarrollo de su función registral cuando examina un contrato de prenda? La CCB ejerce un control formal y reglado sobre los documentos, actos y contratos sujetos a registro

Servicios registrales