Avaliação do impacto da lei de aviso recebimento sobre o mercado de crédito

No Brasil, diversos bureaux de crédito têm o papel de proporcionar a troca de informações de inadimplência dos consumidores para o mercado financeiro. Tal troca beneficia o mercado no sentido de reduzir a assimetria de informação entre tomadores de empréstimo e instituições financeiras. Recentemente as leis 15.659/15 e 10.272/15 de dois estados brasileiros passaram a proteger o consumidor no sentido de impedir inclusão de informação negativa dos mesmos em bureaux caso desconhecessem suas dívidas. O consumidor poderia apropriar-se de seus benefícios para deixar de honrar suas dívidas e consequentemente o mercado poderia sofrer uma retração no crédito. Diante disso, este trabalho propõe desenvolver uma estratégia empírica para verificar se há aumento de seleção adversa e risco moral para os estados em que a lei foi aplicada. Concluímos que o efeito tem sinal consistente com o esperado no sentido de aumento de inadimplência, mas não apresentou significância estatística.

Bank networks and firm credit: an agent based model approach

Starting from the idea that economic systems fall into complexity theory, where its many agents interact with each other without a central control and that these interactions are able to change the future behavior of the agents and the entire system, similar to a chaotic system we increase the model of Russo et al. (2014) to carry out three experiments focusing on the interaction between Banks and Firms in an artificial economy. The first experiment is relative to Relationship Banking where, according to the literature, the interaction over time between Banks and Firms are able to produce mutual benefits, mainly due to reduction of the information asymmetry between them. The following experiment is related to information heterogeneity in the credit market, where the larger the bank, the higher their visibility in the credit market, increasing the number of consult for new loans. Finally, the third experiment is about the effects on the credit market of the heterogeneity of prices that Firms faces in the goods market.

O dinheiro público pelo ralo: ensaios em gestão e corrupção

A gestão eficiente do recurso público tem se colocado como um importante tema tanto para a academia quanto para os gestores públicos. O papel de destaque da função alocativa do Estado, em conjunto com o aumento das demandas da população, tem alçado tal tema a alto grau de relevância. Para contribuir com esse debate, o objetivo principal desta tese é entender o desperdício do recurso e suas nuances. Nesse contexto, os processos de contratação por parte do Estado e a ocorrência de corrupção são dois assuntos em alta e que carecem de maior aprofundamento, e é sobre eles que me debruço para cumprir os objetivos traçados. Assim, a presente tese foi organizada contendo três artigos inéditos. Cada um deles se dedica a um aspecto específico, identificado dentro das teorias que permeiam o debate no contexto da administração pública e governo. O primeiro artigo tem como objetivo analisar a pertinência na realização de processos licitatórios. Partindo dos pressupostos da teoria dos leilões, que destacam a relação entre o aumento da concorrência e a diminuição dos preços praticados pelos licitantes,o estudo adiciona à literatura sobre o tema aspectos como os custos de transação e os problemas relacionados à definição do fornecedor, baseada no preço como critério único. O segundo artigo aborda a relação existente entre a economia obtida na etapa de licitação e as modificações realizadas no contrato durante a sua execução. Esse artigo conta com o subsídio da literatura que aponta as dificuldades em se desenhar contratos completos e que considera a possibilidade de os licitantes se valerem da assimetria de informação para traçar suas estratégias. A essa utilização se dá o nome de jogo de planilha e é sobre tal ponto que o segundo trabalho versa. No terceiro artigo, a temática abordada é a corrupção, e o objetivo do mesmo é verificar a possível associação entre a corrupção e os indicadores de saúde pública nos municípios. Se apoiando na literatura que destaca a relação negativa entre a corrupção e os indicadores sociais, eu testo se tal questão, se tal padrão de associação se repete nos indicadores municipais de saúde dos municípios. Os resultados encontrados suscitam alguns debates e acrescentam ao estado da arte questões ainda não levantadas. Entre essas questões, destaca-se a associação entre a realização de processos licitatórios e preços, em média, mais altos. Outra questão importante diz respeito aos fatores relacionados às modificações dos contratos, não encontrando evidências empíricas que demonstrem a existência do chamado jogo de planilha. Por fim, esse último artigo destaca a relação entre a corrupção e os indicadores socioeconômicos, demonstrando, entre outros aspectos, a correlação da corrupção com os indicadores em sentido oposto para determinados indicadores. Espera-se que esta tese estimule pesquisas mais aprofundadas, envolvendo as temáticas aqui abordadas, idealmente, dando contribuições para a melhoria da gestão pública no Brasil, em que pese a importância dos processos de compras públicas e a relação entre a corrupção e os indicadores de saúde.

GÊNERO E RELAÇÕES DE PODER NO PENTECOSTALISMO: ESTUDO COMPARATIVO ENTRE A IGREJA DE CRISTO NO BRASIL E A COMUNIDADE EVANGÉLICA SARA NOSSA TERRA

Based on the empirical comparative study between two churches from Pentecostal guidance - both located in Parnamirim/RN - and supported on a dialogic interaction between my interlocutors and theoretical references, I proposed me to reflect about how this protestant segment represents and articulates questions such as gender and power relationships, and the daily impact of that in their followers life. In other words, this dissertation aims to understand the reason of the asymmetry attributed to male and female, especially in what concerns the distribution of ecclesiastic works and the authority given to male, as well as the implication of this reality in the reconfiguration of morality and religious praxis in daily life of individuals and involved groups. From this perspective, this work was divided in three chapters, in which I investigate the tension/relationship between faith and secularism, for from this question on concessions and/or prohibitions related to the limits and involvement of the followers with the world and with the very Pentecostal ethos arise. I also analyze here aspects concerning to both ecclesiastic hierarchy and power, with the objective of elucidating how it occurs, what kind of criteria and implications they consider as well as about the nature of the religious labor division between men and women and, finally, I try to understand how the conversion/adhesion of members is reflected in the redefinitions of gender and its relationship between the ecclesiastical and domestic spaces. The diligence and energy spent in this work is in the hope that its fruits can corroborate in the expansion of anthropological knowledge which, in this particular case, involves the Brazilian Pentecostal phenomenon

Análise estatística de impedância da pele

In this work we analyze the skin bioimpedance statistical distribution. We focus on the study of two distinct samples: the statistics of impedance of several points in the skin of a single individual and the statistics over a population (many individuals) but in a single skin point. The impedance data was obtained from the literature (Pearson, 2007). Using the Shapiro-Wilk test and the assymmetry test we conclude that the impedance of a population is better described by an assymetric and non-normal distribution. On the other side, the data concerning the individual impedance seems to follow a normal distribution. We have performed a goodnes of fitting test and the better distribution to fit the data of a population is the log-normal distribution. It is interesting to note that our result for skin impedance is in simtony with body impedance from the literature of electrical engeneering. Our results have an impact over the statistical planning and modelling of skin impedance experiments. Special attention we should drive to the treatment of outliers in this kind of dataset. The results of this work are important in the general discussion of low impedance of points of acupuncture and also in the problem of skin biopotentials used in equipments like the Electrodermal Screen Tests.

Papel da localização da carga em determinação dos parâmetros do canal iônico

To aureus α-HL channel, we used the cysteine-scanning mutagenesis technique. Twenty-four mutants were produced from the substitution of a single aminoacid of the primary structure of the α-HL pro this yzed after the incorporation of a mutant channel in planar lipid bilayer membranes. The modified proteins were studied in the absence and presence of watersoluble specific sulphydryl-specific reagents, in order to introduce a strong positive or negative harge at positions of substitution. The introduction of a negative charge in the stem region onverted the selectivity of the channel from weak anionic to more cationic. However, the troduction of a positive charge increased its selectivity to the anion. The degree of these alterations was inversely dependent on the channel radius at the position of the introduced harge (selectivity). As to the asymmetry of the conductance-voltage, the influence of the harge was more complex. The introduction of the negative charge in the stem region (the trans art of the pore) provoked a decrease. The intensity of these alterations depended on the radius, and on the type of free charge at the pore entrance. These results suggest that the free charge at surrounds the pore wall is responsible for the cation-anion selectivity of the channel. The istribution of the charges between the entrances is crucial for determining the asymmetry of e conductance-voltage curves. We hope that these results serve as a model for studies with other nanometric channels, in biological or planar lipid bilayer membranes or in iotechnological applications

Anthropometric aspects of body seated in school

This study aimed to assess the student-furniture interface from anthropometric parameters of the sitting posture. The sample was composed of 887 students from two public schools in the State of Parana - Brazil, which attended children from 7 to 17 years of age. The data collection used anthropometric measures of the sitting position, a questionnaire containing a human body diagram for indication of discomfort areas and photographic records to verify postural and ergonomic inadequacies in classroom. The following anthropometric variables were measured: popliteal height, sacro-popliteal length, hip width, lumbar support height, and elbow and thigh height. Percentiles 5 and 95 of anthropometric variables showed differences statistically significant, with variation coefficient greater than 30%. In relation to body discomfort, the highest occurrences were recorded for ankle, knees and shoulder joints as well as for spine and buttocks. It was concluded that children use school furniture that does not meet their anthropometric standards, which favored the adoption of incorrect postures and contributed to the emergence of musculoskeletal problems that can interfere with their educational process.

Sensibilidade interoceptiva e respostas psicofisiológicas ao exercício submaximo

The complex human behavior related to exercise involves cognitive, physical and emotional processing. The recent theories about exercise s intensity regulation have highlighted the role played by psychophysics aspects in controlling exercise s intensity. In this regard, recent evidences have shown that there is variability in human capacity in perceiving interoceptives clues. Thus, subjects more sensitive show higher physiological arousal to physical and/or emotional stress, and sensations with higher intensity. In fact, studies have evidenced that interoceptive feedback modifies behavior in exercise with free load. However, exercise recommendations are based in a constant load standard. Therefore, we aimed to analyze the influence of interoceptive sensibility on psychophysics responses during dynamic exercise performed with constant load. Twenty-four adult males were allocated into two groups accordingly with their interoceptive sensibility: high sensibility (n=11) and low sensibility (13). They underwent to an incremental test (IT) and then randomly to two sections of moderate and severe exercise intensity for 20 minutes. Heart rate (HR), rating of perceived exertion (RPE), affective feelings (AF), alert state (AS), and percentage of associative thoughts were collect during exercise. A two-way ANOVA with repeated measures was used to assess differences between psychophysics responses. There were differences between group in RPE, AF, and AS in moderate intensity. There was no difference in any measure in severe intensity. We conclude that subjects with high interoceptive sensibility feel dynamic moderate exercise more intense than the subjecs with low interoceptive sensibility

Variabilidade espacial de atributos do solo e de fatores de erosão em diferentes pedoformas

As formas do relevo podem ser indicadores da variação dos atributos do solo, pois essa variabilidade é causada por pequenas alterações do declive que afetam os processos pedogenéticos bem como o transporte e o armazenamento de água no perfil do solo. O trabalho foi desenvolvido em Catanduva (SP), com o objetivo de caracterizar a variabilidade espacial de atributos do solo e fatores de erosão em diferentes pedoformas sob cultivo de cana-de-açúcar. de acordo com o modelo de Troeh classificou-se as formas do relevo em duas pedoformas, côncava e convexa. Com a utilização de um DGPS levantaram-se as cotas altimétricas, estabelecendo-se uma malha, com intervalos regulares de 50 m, com 270 pontos na pedoforma côncava e 353 pontos na pedoforma convexa, perfazendo um total de 623 pontos, coletados na profundidade de 0,0 - 0,2 m em uma área de 200 ha. em cada ponto da malha foram determinados os atributos químicos do solo, granulometria, espessura do solo e fatores de erosão locais, tais como erosividade (R), erodibilidade (K), fator topográfico (LS), uso e manejo (C), práticas conservacionistas (P), potencial natural de erosão (PNE), perda de solo (A) e risco de erosão (RE). Os dados foram avaliados primeiramente por uma análise estatística exploratória, calculando-se a média, mediana, variância, coeficiente de variação, coeficiente de assimetria, coeficiente de curtose e teste de normalidade. Posteriormente, a dependência espacial foi verificada por meio da técnica de geoestatística utilizando-se semivariogramas. As maiores perdas de solo, risco de erosão e potencial natural de erosão e menor espessura do solo ocorreram na pedoforma convexa, indicando forte dependência espacial com a forma do relevo. A pedoforma côncava proporcionou maior variabilidade espacial, demonstrando que a forma do relevo condiciona padrões diferenciados de variabilidade. A magnitude da variabilidade dos atributos do solo é mais influenciada pela forma do relevo que pela erosão. A espessura do horizonte A+E integrado com a forma do relevo é um indicador de processos erosivos para classe de Argissolos.

Ergonomia e Odontologia: determinantes da postura corporal dos estudantes da clínica-escola de uma Universidade Federal

Posture is one of the most worrying problems dentists face. That is because of the high incidence of low back pathologies regarding the professional activity, despite the development on the field of Dental Ergonomics. This work took place at the dental schoolclinic at a Federal University, and it was grounded on the Ergonomic Principles in the workplace. Its main objective was to analyze the determinants of inadequate posture adopted by students inasmuch as the adoption of non ergonomic methods at the school-clinic may influence them to develop inadequate postures in their working environment. The analysis of the activity showed us that it requires some complex procedures in the patient s mouth. Thus, when the students carry out the activity, they start to adopt, although unconsciously, inadequate postures which will make easier the visual accuracy and the access to the operation focus. In case there is no internal (body awareness) or external warning mechanisms (the professor s or the partner s counseling) regarding posture or possible risks which lead them to self-correction, the students become vulnerable to osteomuscle disorders. The time pressure, because the students are expected to perform their task in a predetermined clinical time. The facts related to each patient s variability as well as the stress caused by the expectations to get their work done in time make the students to advance it believing they will waste time if they help their partners or using an indirect view. We could also notice that there was no assistant to perform the job of minor ones, as well as there was no professor who could actually connect the knowledge on Ergonomics to its working practice. The conclusions of this work stand out the need of widen the discussion at the academic environment regarding health professionals in places such as universities. The ergonomic principles in the workplace aim a multidisciplinary analysis based on the experience of students, professors, staff members and janitors that can contribute to some reflection upon the issue and consequently actions which will bring positive changes at the working environment