Gesti��n de riesgo de cr��dito de la Cooperativa de Ahorro y Cr��dito Maquita Cushunchic: an��lisis y preparaci��n estadística de variables para el dise��o de un modelo Credit Score de cartera de consumo

El presente estudio busca analizar y preparar estadísticamente un conjunto de variables para el dise��o de un modelo de aprobaci��n CREDIT SCORE de cartera de consumo, tipo probabil��stico, que apoye al oficial de cr��dito en la toma de la decisi��n antes de conceder o no un cr��dito de consumo; para que la decisi��n no sea subjetiva sino objetiva, medible (probabil��stica) apoyada en una ecuaci��n que contenga sustento te��rico y emp��rico dado por la base de datos hist��rica de la Cooperativa de ahorro y cr��dito Maquita Cushunchic. En la presente tesis partimos con fundamentaci��n te��rica que sustenta nuestro trabajo de investigaci��n. En el segundo cap��tulo se realiza un diagnostico situacional de la empresa, donde se define la visi��n, la misi��n y definici��n de temas estrat��gicos. En el tercer cap��tulo realizaremos un an��lisis y preparaci��n estadística de variables para el dise��o de un modelo de aprobaci��n CREDIT SCORE de cartera de consumo, esta fase involucra ���la identificaci��n de las fuentes de informaci��n, la verificaci��n de cantidad y calidad de los datos, la determinaci��n y tipificaci��n de variables cualitativas, cuantitativas y demogr��ficas, as�� como la verificaci��n y cuantificaci��n del poder discriminante de dichas variables respecto al objetivo planteado��� 1, todo esto se lo realiza con el objetivo de aplicar un concepto de sistemas de calificaci��n de cr��dito que se define de la siguiente manera: ���la calificaci��n supone que el desempe��o de los prestamos futuros con caracter��sticas dadas, ser�� parecido al desempe��o de los prestamos pasados con caracter��sticas similares"2. Lo que se busca finalmente es que el modelo sea una herramienta de apoyo emp��rico que ayude a la toma de decisiones antes de conceder o no un credito. Finalmente termina este trabajo formulando conclusiones y recomendaciones.

Classed femininity, performativity, and camp in British structured reality programming

This article explores the representations and tonal qualities of British ���structured reality��� programming. Focusing on The Only Way Is Essex and Made in Chelsea, it investigates their glocalizing of the model established by MTV���s Laguna Beach and The Hills. It argues that while they blur boundaries between docusoap, drama, and soap opera, the British programs also recognize and foreground issues of construction for their reality TV-literate youth audience. It suggests the programs play a key role in their respective channel identities and the ideologies of British youth television, connecting to larger issues of class, gender, and taste. This is articulated through their regional and classed femininities, with the article exploring how the programs draw on classed ideologies surrounding ���natural��� and ���excessive��� femininities and of the role of this in their engagement with construction and camp play. This play contributes to the tonal shift offered by the British programs, mixing the melodrama of the MTV programs with a knowing, at times comic edge that can tip into mockery. In doing so, the programs offer their audience a combination of performative self-awareness and emotional realism that situates them clearly within British youth television

CLEC-2-dependent activation of mouse platelets is weakly inhibited by cAMP but not by cGMP

The present results demonstrate that platelet adhesion and activation on CLEC-2 ligands or LECs is maintained in the presence of PGI2 and NO.

(40)Ar/(39)Ar ages and Sr-Nd-Pb-Os geochemistry of CAMP tholeiites from Western Maranhao basin (NE Brazil)

The Central Atlantic Magmatic Province (CAMP), emplaced at the Triassic-Jurassic (T-J) boundary (-200 Ma), is among the largest igneous provinces on Earth. The Maranhao basin in NE Brazil is located around 700 km inland and 2000 km from the site of the earliest Pangea disruption. The CAMP tholeiites occur only in the western part of the basin and have been described as low and high-Ti. Here we document the occurrence of two sub-groups among the high-Ti tholeiites in the Western Maranhao basin. The major and trace elements and the Sr-Nd-Pb isotopic ratios define three chemical groups corresponding to the low-Ti (TiO(2)< 1.3 wt.%), high-Ti (TiO(2)-2.0 wt.%) and evolved high-Ti (TiO(2 >)3 wt.%) western Maranhao basin tholeiites (WMBT). The new (40)Ar/(39)Ar plateau ages obtained on plagioclase separates for high-Ti (199.7 +/- 2.4 Ma) and evolved high-Ti WMBT (197.2 +/- 0.5 Ma and 198.2 +/- 0.6 Ma) are indistinguishable and identical to those of previously analyzed low-Ti WMBT (198.5 +/- 0.8 Ma) and to the mean (40)Ar/(39)Ar age of the CAMP (199 +/- 2.4 Ma). We also present the first Re-Os isotopic data for CAMP basalts. The low and high-Ti samples display mantle-like initial ((187)Os/(188)Os)(i) ranging from 0.1267 to 0.1299, while the evolved high-Ti samples are more radiogenic (((187)Os/ (188)Os)(i) up to 0.184) We propose that the high-Ti WMBT were derived from the sub-lithospheric asthenosphere, and contaminated during ascent by interaction with the subcontinental lithospheric mantle (SCLM). The evolved high-Ti WMBT were derived from the same asthenospheric source but experienced crustal contamination. The chemical characteristics of the low-Ti group can be explained by partial melting of the most fertile portions of the SCLM metasomatized during paleo-subduction. Alternatively, the low-Ti WMBT could be derived from the sub-lithospheric asthenosphere but the resulting melts may have undergone contamination by the SCLM. The occurrences of high-Ti basalts are apparently not restricted to the area of initial continental disruption which may bring into question previous interpretations such as those relating high-Ti CAMP magmatism to the initiation of Atlantic ridge spreading or as the expression of a deep mantle plume. We propose that the CAMP magmatism in the Maranhao basin may be attributed to local hotter mantle conditions due to the combined effects of edge-driven convection and large-scale mantle warming under the Pangea supercontinent. The involvement of a mantle-plume with asthenosphere-like isotopic characteristics cannot be ruled out either as one of the main source components of the WMBT or as a heat supplier. (C) 2010 Elsevier BM. All rights reserved.

Expression Profile of Rat Hippocampal Neurons Treated with the Neuroprotective Compound 2,4-Dinitrophenol: Up-Regulation of cAMP Signaling Genes

2,4-Dinitrophenol (DNP) is classically known as a mitochondrial uncoupler and, at high concentrations, is toxic to a variety of cells. However, it has recently been shown that, at subtoxic concentrations, DNP protects neurons against a variety of insults and promotes neuronal differentiation and neuritogenesis. The molecular and cellular mechanisms underlying the beneficial neuroactive properties of DNP are still largely unknown. We have now used DNA microarray analysis to investigate changes in gene expression in rat hippocampal neurons in culture treated with low micromolar concentrations of DNP. Under conditions that did not affect neuronal viability, high-energy phosphate levels or mitochondrial oxygen consumption, DNP induced up-regulation of 275 genes and down-regulation of 231 genes. Significantly, several up-regulated genes were linked to intracellular cAMP signaling, known to be involved in neurite outgrowth, synaptic plasticity, and neuronal survival. Differential expression of specific genes was validated by quantitative RT-PCR using independent samples. Results shed light on molecular mechanisms underlying neuroprotection by DNP and point to possible targets for development of novel therapeutics for neurodegenerative disorders.

cAMP signaling pathway controls glycogen metabolism in Neurospora crassa by regulating the glycogen synthase gene expression and phosphorylation

Coordena����o de Aperfei��oamento de Pessoal de N��vel Superior (CAPES)

Compara����o das estimativas de preval��ncia de indicadores de sa��de no Munic��pio de Campinas, S��o Paulo, Brasil, nos anos de 2001/2002 (ISA-SP) e 2008/2009 (ISA-Camp)

Funda����o de Amparo �� Pesquisa do Estado de S��o Paulo (FAPESP)

beta(2)-Agonists and cAMP inhibit protein degradation in isolated chick (Gallus domesticus) skeletal muscle

1. The role of beta(2)-agonist and of cAMP in chick skeletal muscle proteolytic pathways and protein synthesis was investigated using an in vitro preparation that maintains tissue glycogen stores and metabolic activity for several hours.2. In extensor digitorum longus (EDL) muscle total proteolysis decreased by 15 to 20% in the presence of equimolar concentrations of epinephrine, clenbuterol, a selective beta(2)-agonist, or dibutyryl-cAMP. Rates of protein synthesis were not altered by clenbuterol or dibutyryl-cAMP.3. The decrease in the rate of total protein degradation induced by 10(-5) M clenbuterol was paralleled by a 44% reduction in Ca2+-dependent proteolysis, which was prevented by 10(-5) M ICI 118.551, a selective beta(2)-antagonist.4. No change was observed in the activity of the lysosomal, ATP-dependent, and ATP-independent proteolytic systems. Ca2+-dependent proteolytic activity was also reduced by 58% in the presence of 10(-4) M dibutyryl-cAMP or isobutylmethylxanthine.5. The data suggest that catecholamines exert an inhibitory control of Ca2+-dependent proteolysis in chick skeletal muscle, probably mediated by beta(2)-adrenoceptors, with the participation of a cAMP-dependent pathway.

Estadística b��sica para planificaci��n

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Estadística b��sica para planificaci��n con una parte nueva sobre muestreo

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