Aseguramiento para la población pobre: una herramienta de protección financiera

La financiación de los sistemas de salud en los países en desarrollo mediante esquemas de aseguramiento, presenta el desafío estructural de la informalidad de los mercados laborales. Ni el esquema de financiamiento comunitario ni el del subsidio a la oferta, parecen ofrecer una garantía de acceso a los grupos más vulnerables. Pero la extensión de esquemas de seguro subsidiado también implica mayores presiones sobre el gasto social. Este artículo es una revisión de la literatura sobre el tema, en el cual se revisan experiencias internacionales de los tipos mencionados, y se analiza su relevancia para Colombia.

Estimaciones de los determinantes de los ingresos laborales en Colombia con consideraciones diferenciales para asalariados y cuenta propia

La literatura sobre determinantes de los ingresos laborales ha evolucionado en sus fundamentos teóricos, metodológicos y estimaciones empíricas. Colombia no ha sido ajena a este proceso, pero su evolución, notoria en fertilidad, ha venido relajándose en rigor conceptual: se tiende a considerar a los cuenta propia y asalariados como categorías relativamente semejantes. Para mostrar el efecto de dicha relajación realizamos estimaciones conjuntas de determinantes del ingreso laboral para ocupados asalariados y cuenta propia, y luego las contrastamos con estimaciones más detalladas y desagregadas ilustrando los sesgos efectivos que se generan si no se tienen en cuenta las características laborales de los ocupados cuenta propia y asalariado.

Vinculação, memórias de cuidados na infância, auto-conceito e depressão em adolescentes

A Teoria da Vinculação tem motivado inúmeros investigadores a procurar compreender o impacto da privação grave de cuidados parentais no desenvolvimento humano (O‟Connor, et al., 1999; Boris & Zeanah, 1999; Zeanah, et al., 2005), pois, segundo Bowlby (1969, 1984), a ausência precoce de cuidados maternos estaria intimamente relacionada com trajectórias desenvolvimentais (des)adaptativas. Nesta perspectiva, o aumento do número de instituições de acolhimento e a crescente proliferação de estudos internacionais centrados nesta temática, têm enfatizado o efeito negativo das experiências de privação e dos cuidados institucionais no desenvolvimento infantil (Provence & Lipton, 1962; O‟Connor, et al., 1999; Zeanah, et al., 2005). O presente estudo, de carácter exploratório, procurou compreender o modo como os jovens experienciam a adolescência em situações de vida distintas: em meio familiar e em meio institucional. Concretamente, buscou analisar a influência das memórias dos cuidados na infância e da qualidade da vinculação, no auto-conceito e nas queixas depressivas. Participaram nesta investigação 80 adolescentes, 39 residentes em instituições de acolhimento temporário de duas instituições do distrito de Setúbal (N=39) e 41 que residem com as suas famílias de origem, frequentando duas instituições de ensino público regular (N=41), com idades compreendidas entre os 11 e os 17 anos, de ambos os géneros. Para avaliar as variáveis em estudo foram utilizados o IPPA, de Armsden & Greenberg (1987); o EMBU-A, de Gerlsma, Arrindell, Von der Veen & Emmelkamp (1991); o SPPA, de Harter (1988); e o CDI, de Kovacs (1982). Os resultados obtidos demonstraram que o contexto de vida em que os adolescentes estão inseridos não exerce, por si só, uma influência negativa na expressão de queixas depressivas e numa auto-percepção mais negativa das próprias competências; os cuidados na infância e a qualidade dos laços estabelecidos com as figuras significativas, enquanto em meio familiar, dos adolescentes institucionalizados afectam a sua percepção de competência de modo negativo; o tempo de institucionalização não influencia directamente o desenvolvimento psicológico, cognitivo, social e emocional, ao nível da qualidade das relações afectivas estabelecidas, do auto-conceito e da auto-estima das crianças e jovens institucionalizados.

Like mother, like daughter? Analyzing maternal influences upon women’s entrepreneurial propensity

Within the phenomenon of entrepreneurship, the extant literature suggests that the normative actor is embodied by and through stereotypical masculinized characteristics. In this paper,we contextualize entrepreneurship as self-employment in order to explore how such stereotypical characterizations might influence women’s attitudes toward this activity. However, rather than analyzing the confirmatory effects of stereotypes, we critically evaluate the effect of counterstereotypical characterizations upon women’s propensity for self-employment. Drawing upon life-span data, we explore whether self-employed mothers disconfirm masculinized stereotypes and so act as positive role models for their daughters.As hypothesized, we found that maternal self-employment has a counterstereotypical effect and so positively influences daughters to become self-employed. These data indicate, however, that this effect is tempered by personal stereotypes held by daughters; moreover, it is shaped by significant life events (marriage, parenthood, education, and prior managerial experience). By using a robust data set, this paper contributes to our understanding of how stereotypes and role expectations influence women’s propensity toward entrepreneurial activity.

Det personliga nätverkets funktion : Etablering och underhåll av presonliga nätverk inom ljuddesign för rörlig bild

The aim of this paper was to discover the functions and workings of personal networks and their advantages for self-employed sound designers and producers whose focus was upon the moving image (film, advertising, tv, etc). Investigations on how entrepreneurs develop their networks were made, as well as inquiries on how these networks are used for generating work. Another important aspect perused was whether or not the networks are dependent on specific geographical locations in order to function. A case study and comparative analysis was undertaken, based upon three qualitative interviews with entrepreneurs whose operations shared several similar characteristics. The results pointed out the importance of constantly making new contacts, and maintaining and managing current ones. There was no evidence that traditional marketing strategies or advertising were used by the interviewees. New commissions were often gained from former clients or acquaintances, or through referrals from them. There are definite advantages to having one's business in the geographical area where one's contacts exist. This also makes it easier to keep up these contacts for future prospects. However, it is very feasible to take on contracts, do the job, and to deliver work to clients in far away locations, due to the high speed internet connections available today.Målet med denna uppsats var att ta reda på hur personliga nätverk fungerar och verkar till fördel för egenföretagande ljuddesigers för rörlig bild (Film, Reklam och tv etc.). Hur entreprenörerna utvecklar nätverken utforskades, även hur de används för att generera arbete samt om nätverken bör vara lokaliserade på en speciell plats för att fungera. En fallstudie och komparativ analys utfördes, baserad på tre kvalitativa intervjuer med entreprenörer vars verksamheter liknade varandra på flera plan. Resultatet påvisade vikten av att hela tiden skapa nya kontakter och underhålla befintliga sådana. Inget tydde på att traditionell marknadsföring eller reklam används. Nya uppdrag uppkommer oftast genom tidigare kunder, kontakter eller rekommendationer från dessa. Det finns klara fördelar med att bedriva sin verksamhet i det område där kontakterna finns och det är även lättare att underhålla dem i dessa fall. Det är dock fullt möjligt att åta sig, utföra och leverera uppdrag för befintliga kontakter på långt håll tack vare dagens snabba internetuppkopplingar.

Egenföretagande kvinnors försörjningsvillkor och strategier för att minimera försörjningsrisker

Conditions and strategies for economic security for self-employed women in Sweden Although political parties are singing praises of entrepreneurship, welfare systems do not recognize the self-employees’ rights to decent conditions of basic economic safety and oftheir access to social security. This means that self-employed are forced to find their own way to reduce the risks of losing the possibility to support them self economically. This article examines twelve self-employed women’s daily conditions to support themselves and their strategies to deal with risks. The study shows that the interviewed have more freedom to find their own support strategies than wage-employed but on (the other side) their position on the labour market and the systems for social security doesn’t recognize their vulnerability towards risk in the same manner as wage-employed.

Empregado, autônomo e empresário : a tomada de decisão no setor de transporte rodoviário de cargas em São Marcos, RS

São Marcos, no Rio Grande do Sul, caracteriza-se por sua participação no setor do transporte rodoviário de cargas, sendo o município brasileiro com maior número de veículos pesados por habitante. Este trabalho busca identificar os fatores que influenciam a tomada de decisão dentro desse ramo de negócios. Assim, são estudados quatro casos de profissionais da área. Esses indivíduos iniciaram sua trajetória na condição de empregados, passando em seguida para a fase de autônomos. No entanto, apenas dois deles prosperaram, tornando-se empresários; os outros dois retornaram à condição de empregados. O estudo também possibilitou identificar o nível de insatisfação dos empregados do setor na busca de um progresso dentro do mesmo, assim como observar o perfil de competência daqueles que chegam a implantar suas próprias organizações. Dessa forma, é possível formar um paralelo entre as experiências bem-sucedidas e as tentativas frustradas. Os dados foram levantados a partir de uma série de fontes de evidências como entrevistas, registros de arquivos e documentos dos personagens referidos. A análise desses dados leva à interpretação de dois fatores como fundamentais na tomada de decisões dos indivíduos que trabalham no transporte rodoviário de cargas: a intuição e a influência de outras pessoas que cercam os tomadores de decisão. Esses fatores reforçam a idéia da subjetividade dentro do processo administrativo. O trabalho possibilita a formação de um quadro de dados gerais a respeito do setor. Além disso, serve de referencial às atitudes de organizações públicas e privadas, de pessoas ligadas ao ramo e de jovens que pretendem entrar nesse universo de trabalho.

Empresários nanicos, garantias e acesso à crédito

Visamos contribuir para o desenvolvimento do crédito produtivo popular no Brasil. Um passo nesta direção é diminuir a assimetria de informações existentes entre os gestores de políticas públicas e o seu público-alvo. O presente trabalho se beneficia da melhor oportunidade disponível de explorar informações sobre os negócios nanicos, a pesquisa sobre Economia Informal Urbana – ECINF, realizada pelo IBGE em 1997, onde foram entrevistados quase 50000 conta-próprias e empregadores até cinco empregados. Descrevemos a partir da ECINF as formas de acesso ao crédito destes estabelecimentos. O mercado de microcrédito se revela incipiente nas áreas urbanas do país, apenas 7% dos negócios nanicos obtiveram acesso a crédito nos três meses anteriores a pesquisa. Descrevemos o padrão de correlações do uso do crédito produtivo popular com outras variáveis, em particular àquelas ligadas a posse de garantias reais ou colaterais sociais nas áreas urbanas brasileiras. A ligação a alguns elementos do capital social está correlacionada à obtenção do crédito, onde a vantagem aumenta em 33% para quem está associado a algum sindicato, associação ou cooperativa em relação aos que não possuem ligação com estes. A questão da legalidade também apresenta correlação forte para conseguir o acesso a crédito: quem possui constituição jurídica possui uma vantagem de 55% maior em relação aos que não possuem. Destaca-se a variável indicativa da posse de equipamentos, é nesta variável que observamos um dos maiores valores na estimativa, onde a vantagem de quem utiliza é aproximadamente duas vezes maior em relação a quem não utiliza. O fato de estar numa região metropolitana influi pouco na obtenção do crédito, a vantagem é apenas 10% maior do que as pessoas que encontram-se nas demais áreas urbanas. De maneira geral os resultados são consistentes com a importância atribuída na literatura por garantias reais e alternativas na obtenção de crédito.

Segmentation in the brazilian labor market

This paper measures the degree of segmentation in the brazilian labor market. Controlling for observable and unobservable characteristics, workers earn more in the formal sector, which supports the segmentation hypothesis. We break down the degree of segmentation by socio-economic attributes to identify the groups where this phenomenon is more prevalent. We investigate the robustness of our findings to the inclusion of self-employed individuals, and apply a two-stage panel probit model using the self-selection correction strategy to investigate a potential weakness of the fixed-effects estimator

Precariedade e precarização do mercado de trabalho brasileiro

Nos últimos anos, a taxa de desemprego no Brasil tem-se mantido relativamente estável. No entanto, assistimos a uma redução do emprego no mercado de trabalho formal concomitante a um crescimento do mercado informal. Esta mudança tem sido identificada com uma piora de qualidade, ou precarização, do emprego, já que este, no mercado informal, é tido como de baixa qualidade. Nesta pesquisa, procuramos investigar a dimensão desta precarização analisando a qualidade dos postos de trabalho que estão sendo eliminados no mercado de trabalho formal. O que se observa é que a qualidade dos postos de trabalho neste mercado é bastante heterogênea, e há evidência de que a redução do emprego que está ocorrendo se dá, principalmente na indústria, nos postos de baixa qualidade. Assim, o fenômeno não se caracteriza pela eliminação dos postos de qualidade, mas pela transferência dos de baixa qualidade para o mercado informal. Por sua vez, a análise do mercado informal revela também uma grande heterogeneidade entre trabalhadores que não têm carteira de trabalho assinada e trabalhadores autônomos. O emprego destes últimos tem crescido a taxas elevadas como conseqüência da terceirização. O aumento da força de trabalho no mercado informal, por outro lado, coloca novas questões para as políticas públicas, que também são investigadas neste trabalho.

Perfil dos trabalhadores por conta própria no Brasil

O objetivo global desta pesquisa foi contribuir com subsídios para a análise das características do trabalhador brasileiro por conta própria ou autônomo, particularmente no que se refere ao padrão de distribuição setorial, ocupacional e dos rendimentos da população ocupada, tendo em vista os novos requisitos demandados pelos atuais processos produtivos e organizacionais, dentro e fora das empresas. Estas características são retratadas pela representatividade ocupacional dos trabalhadores detalhando particularmente as diferenças segundo a segmentação setorial, nível de escolaridade, rendimentos, número de horas trabalhadas por semana e gênero, analisando as informações disponíveis para o ano de 1997.

Dynamics of micro-entrepeneurial activities

This paper generates and organizes stylized facts related to the dynamics of selfemployment activities in Brazil. The final purpose is to help the design of policies to assist micro-entrepreneurial units. The 'first part of the paper uses as a main tool of analysis transitional data constructed from household surveys. The longitudinal information used covers three transition horizons: 1-month, 12-month and 5-year periods. Quantitative flows analysis assesses the main origins, destinies and various types of risks assumed by microentrepreneurial activities. Complementarily, logistic regressions provides evidence on the main characteristics and resources of micro-entrepreneurial units. In particular, we use the movements from self-employment to employer activities as measures of entrepreneurial success. We also use these transitions as measures of employment creation intensity within the self-employed segment.The second part of the paper explores various data sources. First, we attempt to analyze the life-cycle trajectories and determinants of self-employment. We use cohort data constructed from PME and qualitative data on financial and work history factors related to the opening of small bussiness from the informal firms survey implemented during 1994. Second, we apply a standart Mincerian wage equation approach to self-employment profits. This exerci se attempts to capture the correlation patterns between micro-entrepreneurial performance and a variety of firms leveI variables present in the 1994 Informal Survey. Finally, we use a a survey on the poor enterpreneurs of Rocinha favela as a laboratory to study poor entrepreneurs resources and behavior.In sum, the main questions pursued in the paper are: i) who are the Brazilian selfemployed?; ii) in particular: what is relative importance among the self-employed of subsistence activities versus those activities with growth and capital accumulation potential?; iii) what are the main static and dynamic determinants ofmicro-entrepreneurial success?; iv) what is the degree ofrisk associated with micro-entrepreneurial activities in Brazil?; v) What is the life-cycle profile of self-employment?; vi) what are the main constraints on poor entrepreneurs activities?.

Differences in the perception of interest representation: a comparision of Brasília and Brussels lobbying activity

The research topic of this paper is focused on the analysis of how trade associations perceive lobbying in Brussels and in Brasília. The analysis will be centered on business associations located in Brasília and Brussels as the two core centers of decision-making and as an attraction for the lobbying practice. The underlying principles behind the comparison between Brussels and Brasilia are two. Firstof all because the European Union and Brazil have maintained diplomatic relations since 1960. Through these relations they have built up close historical, cultural, economic and political ties. Their bilateral political relations culminated in 2007 with the establishment of a Strategic Partnership (EEAS website,n.d.). Over the years, Brazil has become a key interlocutor for the EU and it is the most important market for the EU in Latin America (European Commission, 2007). Taking into account the relations between EU and Brazil, this research could contribute to the reciprocal knowledge about the perception of lobby in the respective systems and the importance of the non-market strategy when conducting business. Second both EU and Brazilian systems have a multi-level governance structure: 28 Member States in the EU and 26 Member States in Brazil; in both systems there are three main institutions targeted by lobbying practice. The objective is to compare how differences in the institutional environments affect the perception and practice of lobbying, where institutions are defined as ‘‘regulative, normative, and cognitive structures and activities that provide stability and meaning to social behavior’’ (Peng et al., 2009). Brussels, the self-proclaimed "Capital of Europe”, is the headquarters of the European Union and has one of the highest concentrations of political power in the world. Four of the seven Institutions of the European Union are based in Brussels: the European Parliament, the European Council, the Council and the European Commission (EU website, n.d.). As the power of the EU institutions has grown, Brussels has become a magnet for lobbyists, with the latest estimates ranging from between 15,000 and 30,000 professionals representing companies, industry sectors, farmers, civil society groups, unions etc. (Burson Marsteller, 2013). Brasília is the capital of Brazil and the seat of government of the Federal District and the three branches of the federal government of Brazilian legislative, executive and judiciary. The 4 city also hosts 124 foreign embassies. The presence of the formal representations of companies and trade associations in Brasília is very limited, but the governmental interests remain there and the professionals dealing with government affairs commute there. In the European Union, Brussels has established a Transparency Register that allows the interactions between the European institutions and citizen’s associations, NGOs, businesses, trade and professional organizations, trade unions and think tanks. The register provides citizens with a direct and single access to information about who is engaged in This process is important for the quality of democracy, and for its capacity to deliver adequate policies, matching activities aimed at influencing the EU decision-making process, which interests are being pursued and what level of resources are invested in these activities (Celgene, n.d). It offers a single code of conduct, binding all organizations and self-employed individuals who accept to “play by the rules” in full respect of ethical principles (EC website, n.d). A complaints and sanctions mechanism ensures the enforcement of the rules and addresses suspected breaches of the code. In Brazil, there is no specific legislation regulating lobbying. The National Congress is currently discussing dozens of bills that address regulation of lobbying and the action of interest groups (De Aragão, 2012), but none of them has been enacted for the moment. This work will focus on class lobbying (Oliveira, 2004), which refers to the performance of the federation of national labour or industrial unions, like CNI (National Industry Confederation) in Brazil and the European Banking Federation (EBF) in Brussels. Their performance aims to influence the Executive and Legislative branches in order to defend the interests of their affiliates. When representing unions and federations, class entities cover a wide range of different and, more often than not, conflicting interests. That is why they are limited to defending the consensual and majority interest of their affiliates (Oliveira, 2004). The basic assumption of this work is that institutions matter (Peng et al, 2009) and that the trade associations and their affiliates, when doing business, have to take into account the institutional and regulatory framework where they do business.

Por trás das grades :reflexões sobre a experiência do ser apenado na situação de privação de liberdade

This research has resulted of investigations appeared from our work experience as psychologist in a prison of the state Rio Grande do Norte. It deals with the meeting with prisoner in the search for the rescue of the human being dignity, discovering the being that finds annulled by backwards of the prison. The current debate on the prisoners in Brazil has as focus the creation of efficient strategies in the combat to the criminal acts, not being worried in understanding the historical and social conditions in the context in which such acts develop. Our objective was to reach an understanding of the experience of the prisoner in the situation of freedom deprivation in Natal (RN) city. Its significant social relevance meets in emphasized thematic which intends to be revealing of the not-said one of these citizens. The epistemological space and the vision of adopted human being support in the humanist ideas of the Centered Approach in the Person and construct self, central nucleus of the personality theory proposal by Carl Rogers. We opt to the phenomenological method as way of access to the singularity of the experience of each one of the participants, supporting us in the strategy of the narrative as expression of the lived world. The results had pointed that the investigated experience is through suffering, that is, the way to be in the world of prisoner in the situation of freedom deprivation is felt by him/her as difficult to support. This reality is had by him/her as difficult to control, having a negative emotional repercussion for the self, leading the citizen to the alienation of his/her existential flow in these circumstances. The reflections produced in this work take us to consider that the punishment practices on behalf of a normalization of the behavior, linked to the recovery idea, do not meet to the intention of the arrests, that come demonstrating to the inefficacy of the objectives shown in the law as well as the loss of the human being dignity

Trabalhadores por conta própria: O trabalho dos vendedores ambulantes da passarela do Natal shopping e do Via Direta

This study aid to understand the work conditions of street vendors located on the sidewalks of two malls in Brazil Northeast Natal / RN - Both malls Natal Shopping and Via Direta, to analyze their inclusion in the informal economy and to study the supposed autonomy provided by work as self-employment in its both aspects economic and social analyzing the importance on the condition of "masters of their own business" has for the street vendors, as an alternative to not submission to the figure of the boss, that represents the exploitation of one class over another. The theoretical and methodological aspects that support this study was aimed in discussion on the restructuring of production, considering its effects on the world of work, pointing to unemployment as one of the potencies element of excluded processes that exciting workers to engage in the informal market. Informality is presented as a survival strategy and as integrating part of the reproduction of capital. This research was conducted under a critical perspective, whish has been utilized quantitative and qualitative analyses. The results of this study format questions that provided during the research process the socio-economic characterization of workers, main cause of this study, and how street vendors expres their status of workers as self-employed for their work, and the perception that they have on their form of inclusion in the informal market.