Relatório de Estágio Profissional. Processo de Preparação de Proposta de Crédito a Habitação no Banco Interatlântico

O estágio Profissional realizado no Banco Interatlântico, que deu origem ao presente Trabalho de Conclusão de Curso, intitulado “Processo de preparação de proposta de crédito a habitação no Banco Interatlântico” enquadra-se no âmbito do Curso de Organização e Gestão de Empresa ministrada pela Universidade do Mindelo. Em Cabo Verde, grande parte dos clientes particulares que pretendem adquirir, construir, beneficiar, recuperar ou ampliar casa própria para habitação permanente ou para arrendamento, recorrem à banca para obter financiamento. Essa parceria é fundamental para o desenvolvimento económico e social do país. O crédito à habitação tem um grande peso na carteira de crédito da banca comercial em Cabo Verde e, nesta ótica, o Banco Interatlântico tem vindo a criar as devidas condições no sentido de abastecer de mecanismos em termos de controlo, criação de instrumentos que lhe possibilitem efetuar uma gestão adequada, salvaguardando o seu ativo. Para isso, define os procedimentos adequados a aplicar a quando da preparação dos processos de crédito no intuito de minimizar ao máximo o risco inerente a qualquer modalidade de crédito, sobretudo o crédito à habitação. A preparação da proposta de crédito no caso prático, possibilitou o conhecimento mais aprofundado dos aspetos fundamentais a verificar em qualquer modalidade de crédito, nomeadamente, finalidade, montante, juros, prazos, garantias, que envolve o crédito bancário. A fundamentação teórica deste trabalho teve como base uma pesquisa bibliográfica no intuito de demostrar a importância do conhecimento dos diversos aspetos a verificar na preparação dos processos de crédito, em particular o crédito a habitação, em comparação ao conhecimento prático ao longo do estágio.

Breve estudio sobre la variación cualitativa anual del Plancton superficial de la bahía de Chimbote

Investiga sobre las riquezas de las costas peruanas, en especial de los peces que se alimentan principalmente de la anchoveta; estos son: el bonito, atún, barilete y otros de gran importancia comercial. De la misma forma muestra la diversidad de aves, en especial las guaneras, las cuales corren peligro si no se controla la industria de la harina de pescado y la extracción de otros peces.

Informe anual del experto en pesquería

Realiza un estudio sobre la industria pesquera en el litoral del Perú, las condiciones naturales y comerciales oceanográficas en toda la costa y la fauna que sirve de alimento a todos los peces en las islas de Asía y Pachacamac.

Low birthweight, preterm, and small for gestational age babies in Scotland, 1981-1984.

The aim was to examine the effect of maternal age, gravidity, marital status, previous perinatal deaths, and parental social class on babies born low birthweight, preterm, and small for gestational age. DESIGN--The study used data on discharge summaries from all maternity hospitals in Scotland. SETTING--The study was based on all singleton deliveries in Scotland. PARTICIPANTS--The analysis involved information on 259,462 singleton babies born during the four years 1981-84 in Scotland. MEASUREMENTS AND MAIN RESULTS--Previous perinatal death was found to be the strongest predictor for both preterm and low birthweight. Single mothers were at particularly high risk of having a small for gestational age baby and those who were previously married of having a preterm baby. Women aged less than 20 years old, those over 34 years old, nulligravidae, and those of parity 3 or more were also at increased risk of adverse pregnancy outcome. Mothers and fathers in manual social classes and those who could not be assigned a social class on the basis of their occupation were at increased risk for all three adverse outcomes studied. The babies of parents who were in manual occupations were twice as likely as those of parents in non-manual occupations to be small for gestational age and almost twice as likely to be low birthweight. CONCLUSIONS--Mother's social class is a risk factor for adverse pregnancy outcome independent of maternal age, parity, and adverse reproductive history, and also independent of father's social class. Information on both parents' occupations should be collected in maternity discharge systems.

Iowa "50 States Project": A Review of the 1983 Code for Sexuality Discrimination, February 1984

The "50 States Project" is the name given to President Ronald D. Reagan;s 1981 pledge to encourage the fifty governors to initiate individual state projects to review their state Codes for unequal treatment of persons based upon sex. We believe that Iowa is the first state to complete this project. Project efforts in Iowa began in June of 1981, when the Governor Robert D. ray appointed Dr. Patricia L. Geadelmann, Chairperson on the Iowa commission on the Status of Women, as Iowa's 50 State Project representative. A 50 States planning committee was formed consisting of members from the Governor Ray's staff, the Iowa Commission on the Status of Women, and the Iowa Legislature. Various alternatives for reviewing the Iowa code and the Iowa Administrative Rules were studied and recommendations of the group were reported to Governor Terry E. Branstad prior to his inauguration.

Effects of age, birth cohort and period of death on Swiss cancer mortality, 1951-1984.

Swiss death certification data over the period 1951-1984 for total cancer mortality and 30 major cancer sites in the population aged 25 to 74 years were analysed using a log-linear Poisson model with arbitrary constraints on the parameters to isolate the effects of birth cohort, calendar period of death and age. The overall pattern of total cancer mortality in males was stable for period values and showed some moderate decreases in cohort values restricted to the generations born after 1930. Cancer mortality trends were more favourable in females, with steady, though moderate, declines in both cohort and period values. According to the estimates from the model, the worst affected generation for male lung cancer was that born around 1910, and a flattening of trends or some moderate decline was observed for more recent cohorts, although this decline was considerably more limited than in other European countries. There were decreases in cohort and period values for stomach, intestine and oesophageal cancer in both sexes and (cervix) uteri in females. Increases were observed in both cohort and period trends for pancreas and liver in males and for several other neoplasms, including prostate, brain, leukaemias and lymphomas, restricted, however, for the latter sites, to the earlier cohorts and hence partly attributable to improved diagnosis and certification in the elderly. Although age values for lung cancer in females were around 10-times lower than in males, upward trends in female lung cancer cohort values were observed in subsequent cohorts and for period values from the late 1960's onwards. Therefore, future trends in female lung cancer mortality should continue to be monitored. The application of these age/period/cohort models thus provides a summary guide for the reading and interpretation of cancer mortality trends, although it cannot replace careful inspection of single age-specific rates.

Distribuição espacial da precipitação e da erosividade da chuva mensal e anual no Estado do Espírito Santo

O mapeamento da erosividade da chuva e da precipitação pluvial consiste de um instrumento prático e indispensável para o planejamento do uso do solo em escalas regionalizadas, como países, Estados ou grandes bacias hidrográficas. Nesse contexto, objetivou-se neste estudo analisar a continuidade espacial do potencial erosivo da chuva e da precipitação pluviométrica, nas escalas de tempo mensal e anual, e posterior mapeamento destas, para o Estado do Espírito Santo, visando fornecer informações básicas ao planejamento de uso e manejo sustentável do solo. Para isso, 129 estações pluviométricas foram empregadas no estudo; a erosividade da chuva foi calculada tendo-se como base equações de Fournier ajustadas para os Estados vizinhos, porém com características climáticas semelhantes. Observou-se forte estrutura de dependência espacial das variáveis regionalizadas, especialmente da erosividade da chuva, com predomínio do modelo de semivariograma exponencial. Quanto à precipitação pluvial, os valores do grau de dependência espacial foram inferiores aos obtidos para a erosividade; contudo, foi possível classificar a estrutura de dependência como moderada a forte. A região do Rio Doce foi classificada como de "alto" a "muito alto" potencial erosivo, cuja erosividade média anual variou de 7.000 a 11.460 MJ mm ha-1 h-1 ano-1. Nessa região, os solos, além de ocorrerem em relevo dissecado e serem pobres em nutrientes, apresentam déficit hídrico pronunciado, dificultando o estabelecimento da vegetação, e são aqueles de maior vulnerabilidade natural à erosão hídrica.

First in the Nation in Education : Final Report,1984.

This report is one step in an ongoing process of change and is a plea for commitment for high standards in education in Iowa. Contains the final reports of the six subcommittees as adopted by the Excellence in Education Task Force, and the five recommendations made by the Task Force.

U.S. 61 dedication, December 13, 1984

Program from the dedication ceremony of the new U.S. 61 Muscatine Bypass.

Effect of Wildlife Highway Warning Reflectors on Deer-Vehicle Accident, December 1984

he number of deer-vehicle accidents in Iowa and around the country has steadily increased during the past 30 years. This i s basically due to: ( 1 ) increased volume of traffic; 12) an expanding network of hard surface roads, especially 4 lane interstates; and (3) a general increase in deer populations. Initidtion of a 55 MPH speed limit in 1974 and gasoline shortages in 1975 reduced deer-vehicle accident rates briefly, but since 1975, rates have continued to climb. Various methods of reducinq these accidents have been attempted in other states. These include: instal lation of rc?flective devlres, deer crossing signs, fencing, underpasses, clearing right--of--waysa,n d controlled hunting to reduce deer population s i z e . These methods have met with varying degrees of success, depending on animal behavior, deet- population fluctuations, method used, topoyr-aphy, road-side vegetation, traffic patterns, and highway configuration. This project was designed to evaluate a new ntethod of reducing deer-vehicle accidents. There are qenerally 4 important aspects of deer-vehicle accidents: danger to human l i f e , vehicle damage, loss of a valuable wildlife resource, and cost of processing accident reports. In !owe, during 1983, there were over 15,OOC) reported deer--vehicle accidents and probably many more that were not reported (Gladfelter 1984). The extent of human injury or death in Iowa i s not known, but studies in southern Michigan show that human injur ies occurred in about 4% of the deer-vehicle accidents (A1 lcn and MrCullough 1976). T h i s would indicate that in Iowa there could have been 200 human injury cases from deer-vehicle accidents i n 1983. These injuries usual 1 occur from secondary collisions when motorists try to avoid a deer on the highway, and hit some other object Vehicle darnaye from these accidents can into thousands of dollars because of the high speed involved and the size of the animal. The total amount of vehicle damage occurring in Iowa is unknown, but if the average vehicle damage was between $500-$800 per accident, estimated property damage would be between $2 1/2--$4 million annually. The value of deer lost in these accidents cannot be estimated, but recreational potential of this natural resource is surely diminished for hunters and wildlife enthusiasts. Also, there ir a great deal of money spent by governmental agencies for manpower to process accident reports and remove dead animals from highways.

Settlement At Culverts, May 1984

Research project HR-219 was sponsored by the Iowa Highway Research Board and the Iowa Department of Transportation. The funding authorized from the Primary Road Research Fund was $11,200. The author wishes to express his appreciation to Iowa DOT personnel for their participation in the research. The special features were incorporated into the plans by Road Design personnel. Office of Materials personnel developed the proportions for the flowable mortar. Project inspection was provided by the Creston Resident Engineer and his staff. The excellent cooperation of the contractors contributed to the success of the research. The prime contractor was Irving F. Jensen Company, Inc. of Sioux City, Iowa who retained Reilly Construction Company of Ossian, Iowa and GNA Concrete, Inc. of Grimes, Iowa as subcontractors for the special culvert backfilling.

Projet Monica, enquête de population 1984/1985 dans les cantons de Vaud et Fribourg : rapport final sur l'analyse de la plombémie

Le dosage du plomb sanguin a été inclus dans l'enquête MONICA (MONItoring of trends and determinants in CArdiovascular disease) sur un échantillon représentatif de la population des cantons de Fribourg et de Vaud. Les résultats sont présentés en trois sections: 1) Distribution de la plombémie en fonction de quelques variables spécifiques: variables socio-démographiques, facteurs de risque classiques des maladies cardio-vasculaires, variables sur certaines habitudes alimentaires; 2) Analyse discriminante des personnes dans le quartile supérieur de la distribution de la plombémie; 3) Description plus détaillée des 18 cas de plombémie supérieure à 1.5 micromoles/l.

Signing on Very Low Volume Rurd Roads Iowa DOT Project HR-262, July, 1984

Research was undertaken to define an appropriate level of use of traffic control devices on rural secondary roads that carry very low traffic volumes. The goal of this research was to improve the safety and efficiency of travel on the rural secondary road system. This goal was to be accomplished by providing County Engineers with guidance concerning the cost-effective use of traffic control devices on very low volume rural roads. A further objective was to define the range of traffic volumes on the roads for which the recommendations would be appropriate. Little previous research has been directed toward roads that carry very low traffic volumes. Consequently, the factual input for this research was developed by conducting an inventory of the signs and markings actually in use on 2,069 miles of rural road in Iowa. Most of these roads carried 15 or fewer vehicles per day. Additional input was provided by a survey of the opinions of County Engineers and Supervisors in Iowa. Data from both the inventory and the opinion survey indicated a considerable lack of uniformity in the application of signs on very low volume rural roads. The number of warning signs installed varied from 0.24 per mile to 3.85 per mile in the 21 counties in which the inventory was carried out. The use of specific signs not only varied quite widely among counties but also indicated a lack of uniform application within counties. County officials generally favored varying the elaborateness of signing depending upon the type of surface and the volume of traffic on different roads. Less elaborate signing would be installed on an unpaved road than on a paved road. A concensus opinion was that roads carrying fewer than 25 vehicles per day should have fewer signs than roads carrying higher volumes. Although roads carrying 0 to 24 vehicles per day constituted over 24% of the total rural secondary system, they carried less than 3% of the total travel on that system. Virtually all of these roads are classified as area service roads and would thus be expected to carry only short trips primarily by local motorists. Consequently, it was concluded that the need for warning signs rarely can be demonstrated on unpaved rural roads with traffic volumes of fewer than 25 vehicles per day. It is recommended that each county designate a portion of its roads as an Area Service Level B system. All road segments with very low traffic volumes should be considered for inclusion in this system. Roads included in this system may receive a lesser level of maintenance and a reduced level of signing. The county is also afforded protection from liability arising from accidents occurring on roads designated as part of an Area Service Level B system. A uniform absence of warning signs on roads of this nature is not expected to have any discernible effect on the safety or quality of service on these very low volume roads. The resources conserved may be expended more effectively to upgrade maintenance and traffic control on roads carrying higher volumes where the beneficial effect on highway safety and service will be much more consequential.