La coédition franco-québécoise et ses conséquences sur les oeuvres de fiction publiées en traduction

La coédition de traductions faites au Québec, puis diffusées sous la marque d’un éditeur français, est une pratique à laquelle ont recours les éditeurs pour accroître le rayonnement de leurs titres. Ces coéditions s’effectuent selon des modalités variées dont l’évolution est parfois imprévisible. Dans le processus, les éditeurs et les traducteurs sont amenés à faire des compromis sur la langue d’arrivée afin de rejoindre les publics cibles outre-Atlantique. En quoi consistent ces compromis? Sont-ils terminologiques, lexicaux, culturels ou purement subjectifs? Comment sont-ils perçus par les traducteurs et les éditeurs? Ce mémoire explore ces questions par le biais de quatre études de cas de coéditions de traductions par des éditeurs et des traducteurs littéraires du Québec. L’analyse montre que ces compromis, qu’ils soient ou non culturels, affectent peu la qualité du français mais qu’ils créent parfois chez les éditeurs et les traducteurs un sentiment de domination culturelle de la part de la France. Ce discours est cependant nuancé par les types de pratiques de coédition et par la position des traducteurs dans la structure de l’édition. Un meilleur encadrement des pratiques de coédition et une valorisation du statut du traducteur dans le champ littéraire pourraient contribuer à atténuer certaines tensions liées à la coédition.

Étude des conceptions alternatives et des processus de raisonnement des étudiants de chimie du niveau collégial sur la molécule, la polarité et les phénomènes macroscopiques

La chimie est un sujet difficile étant donné ses concepts nombreux et souvent peu intuitifs. Mais au-delà de ces difficultés d’ordre épistémologique, l’apprentissage de la chimie peut être en péril lorsqu’il s’appuie sur des fondations instables, mêlées de conceptions alternatives. Les conceptions alternatives sont les représentations internes, tacites, des étudiants, qui sont en désaccord avec la théorie scientifiquement acceptée. Leur présence dans leur esprit peut nuire à la compréhension conceptuelle, et elle peut mener les étudiants à expliquer le comportement de la matière incorrectement et à faire des prédictions inexactes en chimie. Les conceptions alternatives sont réputées répandues et difficiles à repérer dans un cadre traditionnel d’enseignement. De nombreuses conceptions alternatives en chimie ont été mises en lumière par différents groupes de chercheurs internationaux, sans toutefois qu’une telle opération n’ait jamais été réalisée avec des étudiants collégiaux québécois. Le système d’éducation postsecondaire québécois représentant un contexte unique, une étude des difficultés particulières de ces étudiants était nécessaire pour tracer un portrait juste de la situation. De plus, des chercheurs proposent aujourd’hui de ne pas faire uniquement l’inventaire des conceptions, mais de s’attarder aussi à étudier comment, par quel processus, elles mènent à de mauvaises prédictions ou explications. En effet, ils soutiennent que les catalogues de conceptions ne peuvent pas être facilement utilisés par les enseignants, ce qui devrait pourtant être la raison pour les mettre en lumière : qu’elles soient prises en compte dans l’enseignement. Toutefois, aucune typologie satisfaisante des raisonnements et des conceptions alternatives en chimie, qui serait appuyée sur des résultats expérimentaux, n’existe actuellement dans les écrits de recherche. Plusieurs chercheurs en didactique de la chimie suggèrent qu’une telle typologie est nécessaire et devrait rendre explicites les modes de raisonnement qui mettent en jeu ces conceptions alternatives. L’explicitation du raisonnement employé par les étudiants serait ainsi la voie permettant de repérer la conception alternative sur laquelle ce raisonnement s’appuie. Le raisonnement est le passage des idées tacites aux réponses manifestes. Ce ne sont pas toutes les mauvaises réponses en chimie qui proviennent de conceptions alternatives : certaines proviennent d’un manque de connaissances, d’autres d’un agencement incorrect de concepts pourtant corrects. Comme toutes les sortes de mauvaises réponses d’étudiants sont problématiques lors de l’enseignement, il est pertinent de toutes les considérer. Ainsi, ces préoccupations ont inspiré la question de recherche suivante : Quelles conceptions alternatives et quels processus de raisonnement mènent les étudiants à faire de mauvaises prédictions en chimie ou à donner de mauvaises explications du comportement de la matière? C’est pour fournir une réponse à cette question que cette recherche doctorale a été menée. Au total, 2413 étudiants ont participé à la recherche, qui était divisée en trois phases : la phase préliminaire, la phase pilote et la phase principale. Des entrevues cliniques ont été menées à la phase préliminaire, pour explorer les conceptions alternatives des étudiants en chimie. Lors de la phase pilote, des questionnaires à choix multiples avec justification ouverte des réponses ont été utilisés pour délimiter le sujet, notamment à propos des notions de chimie les plus pertinentes sur lesquelles concentrer la recherche et pour mettre en lumière les façons de raisonner des étudiants à propos de ces notions. La phase principale, quant à elle, a utilisé le questionnaire à deux paliers à choix multiples « Molécules, polarité et phénomènes » (MPP) développé spécifiquement pour cette recherche. Ce questionnaire a été distribué aux étudiants via une adaptation de la plateforme Web ConSOL, développée durant la recherche par le groupe de recherche dont fait partie la chercheuse principale. Les résultats montrent que les étudiants de sciences de la nature ont de nombreuses conceptions alternatives et autres difficultés conceptuelles, certaines étant très répandues parmi leur population. En particulier, une forte proportion d’étudiants croient que l’évaporation d’un composé entraîne le bris des liaisons covalentes de ses molécules (61,1 %), que tout regroupement d’atomes est une molécule (78,9 %) et que les atomes ont des propriétés macroscopiques pareilles à celles de l’élément qu’ils constituent (66,0 %). D’un autre côté, ce ne sont pas toutes les mauvaises réponses au MPP qui montrent des conceptions alternatives. Certaines d’entre elles s’expliquent plutôt par une carence dans les connaissances antérieures (par exemple, lorsque les étudiants montrent une méconnaissance d’éléments chimiques communs, à 21,8 %) ou par un raisonnement logique incomplet (lorsqu’ils croient que le seul fait de posséder des liaisons polaires rend nécessairement une molécule polaire, ce qu’on observe chez 24,1 % d’entre eux). Les conceptions alternatives et les raisonnements qui mènent à des réponses incorrectes s’observent chez les étudiants de première année et chez ceux de deuxième année du programme de sciences, dans certains cas avec une fréquence diminuant entre les deux années, et dans d’autres, à la même fréquence chez les deux sous-populations. Ces résultats permettent de mitiger l’affirmation, généralement reconnue dans les écrits de recherche, selon laquelle les conceptions alternatives sont résistantes à l’enseignement traditionnel : selon les résultats de la présente recherche, certaines d’entre elles semblent en effet se résoudre à travers un tel contexte d’enseignement. Il demeure que plusieurs conceptions alternatives, carences dans les connaissances antérieures de base et erreurs de raisonnement ont été mises en lumière par cette recherche. Ces problèmes dans l’apprentissage mènent les étudiants collégiaux à faire des prédictions incorrectes du comportement de la matière, ou à expliquer ce comportement de façon incorrecte. Au regard de ces résultats, une réflexion sur l’enseignement de la chimie au niveau collégial, qui pourrait faire une plus grande place à la réflexion conceptuelle et à l’utilisation du raisonnement pour la prédiction et l’explication des phénomènes étudiés, serait pertinente à tenir.

Enhancing learning beyond the classroom: blogging and other social networking tools

Blogging has become one of the key ingredients of the so-called socials networks. This phenomenon has indeed invaded the world of education. Connections between people, comments on each other posts, and assessment of innovation are usually interesting characteristics of blogs related to students and scholars. Blogs have become a kind of new form of authority, bringing about (divergent) discussions which lead to creation of knowledge. The use of blogs as an innovative, educational tool is not at all new. However, their use in universities is not very widespread yet. Blogging for personal affairs is rather commonplace, but blogging for professional affairs – teaching, research and service, is scarce, despite the availability of ready-to-use, free tools. Unfortunately, Information Society has not reached yet enough some universities: not only are (student) blogs scarcely used as an educational tool, but it is quite rare to find a blog written by University professors. The Institute of Computational Chemistry of the University of Girona and the Department of Chemistry of the Universitat Autònoma de Barcelona has joined forces to create “InnoCiència”, a new Group on Digital Science Communitation. This group, formed by ca. ten researchers, has promoted the use of blogs, twitters. wikis and other tools of Web 2.0 in activities in Catalonia concerning the dissemination of Science, like Science Week, Open Day or Researchers’ Night. Likewise, its members promote use of social networking tools in chemistry- and communication-related courses. This communication explains the outcome of social-network experiences with teaching undergraduate students and organizing research communication events. We provide live, hands-on examples and interactive ground to show how blogs and twitters can be used to enhance the yield of teaching and research. Impact of blogging and other social networking tools on the outcome of the learning process is very depending on the target audience and the environmental conditions. A few examples are provided and some proposals to use these techniques efficiently to help students are hinted

INFO2009 2012-13 Resource Group 18 Animation Cyber Security

Resource and flyer produced for INFO2009 12/13. An animation on public-key encryption related to cybercrime and cybersecurity. Target audience is undergraduates, but the resource does not assume prior knowledge of the topics, or any in-depth knowledge of IT.

Casa-Museu Leal da Câmara: serviço educativo e estratégias de comunicação

RESUMO: A presente dissertação de Mestrado teve como objectivo a análise e caracterização das actividades do serviço educativo e das estratégias de comunicação da Casa-Museu de Leal da Câmara (CMLC). Partindo de um estudo de caso, pretendeu-se apresentar perspectivas futuras para o alargamento dos públicos, das actividades e das acções de comunicação na CMLC e em museus do mesmo tipo. Esta investigação incide sobre o período de 2003 a 2011, isto é, desde a criação do serviço educativo até aos dias de hoje. Para melhor conhecer o objecto de estudo torna-se necessário apresentar o artista/patrono e caracterizar o território (Rinchoa) onde se insere a CMLC, bem como a comunidade que habita no Município de Sintra. Esta comunidade, outrora chamada saloia, influenciou a obra do artista assim como as suas actividades. De modo a caracterizar o público-alvo das actividades educativas foram realizados inquéritos sobre o serviço educativo. Pretendeu-se com estes inquéritos, por um lado, conhecer o nível de satisfação do público escolar e não escolar e, por outro, aferir quais as condições que permitiriam o alargamento das actividades educativas ao público em geral. Tendo ainda por objectivo conhecer a visibilidade e os meios através dos quais o público teve conhecimento da CMLC, realizou-se o inquérito sobre comunicação. Para além dos inquéritos sobre o serviço educativo e comunicação foram ainda realizadas seis entrevistas, três das quais aos dirigentes da Câmara Municipal de Sintra directamente ligados aos destinos da CMLC e outras três entrevistas a parceiros e participantes nas actividades do serviço educativo. Após análise de todos os dados recolhidos conclui-se que o público-alvo do serviço educativo é o público escolar e que a CMLC é visitada maioritariamente pela comunidade local escolar. A maioria dos visitantes fica a conhecer a CMLC através de outros meios como a escola ou o trabalho e não através dos meios de comunicação onde a Casa-Museu é frequentemente divulgada. ABSTRACT: The aim of this Master's thesis was to analyze and characterize the activities of the educational service and communication strategies of the Casa Museu Leal da Câmara (CMLC). Starting from a case study, we have sought to present future prospects for extending the public, the activities and these communication actions from CMLC to the museums of the same type. This research focuses on the period from 2003 to 2011, i.e. (that is), since the creation of the educational service to the present day. To better understand the object of this study it is necessary to present the artist / patron and the territory around CMLC (Rinchoa) where it belongs, as well as the community that inhabits the Municipality of Sintra. This community, formerly known as rustic (saloia) has influenced the artist's work and his activities. There were conducted surveys about the educational service to further understand the target of the educational activities. This was intended to determine the level of school and non school public satisfaction with this service and the main needs for its extension to the general public. To understand the visibility and the means by which the public was aware of the CMLC an inquiry was held on the communication methods. In addition to inquiries about the educational service and communication six interviews were also carried out, three of which to the leaders of the Municipality of Sintra directly linked to the policies of the CMLC and the others to partners and participants in the activities of educational services. After analyzing all the data we have concluded that the target audience of educational services is the school public and that the CMLC is visited mostly by the local school community. Most visitors became aware of the CMLC through other means as school or workplace and not through the media where the CMLC is often released.

When school is not enough: new initiatives in intergenerational language transmission in Wales

This paper examines language reproduction in the family in the context of a highly innovative project in Wales, where the Welsh language has been in decline for over a century. Although Welsh-medium schooling has played a pivotal role in slowing and even reversing language shift in recent decades, there is mounting evidence of the dangers of over-reliance on education. The Twf (Growth) Project was established in 2002 with funding from the National Assembly for Wales with the aim of raising awareness of the benefits of bilingualism among parents and prospective parents. Analysis of interviews with the main stakeholders in the project (managers, the Twf project officers, parents, health workers and a range of other partners), publicity materials and observations of project staff at work suggests that the achievements of the project lie in two main areas: the recognition of the need for building strong alliances with professional groups and organisations that work with families with young children; and the development of a marketing strategy appropriate for the target audience. It is argued that the experience of the project will be of interest to those addressing the issue of intergenerational transmission in a range of other minority language settings.

Massive Open Online Courses on health and medicine: review

Background: Massive Open Online Courses (MOOCs) have become immensely popular in a short span of time. However, there is very little research exploring MOOCs in the discipline of Health and Medicine. This paper is aimed to fill this void by providing a review of Health and Medicine related MOOCs. Objective: Provide a review of Health and Medicine related MOOCs offered by various MOOC platforms within the year 2013. Analyze and compare the various offerings, their target audience, typical length of a course and credentials offered. Discuss opportunities and challenges presented by MOOCs in the discipline of Health and Medicine. Methods: Health and Medicine related MOOCs were gathered using several methods to ensure the richness and completeness of data. Identified MOOC platform websites were used to gather the lists of offerings. In parallel, these MOOC platforms were contacted to access official data on their offerings. Two MOOC aggregator sites (Class Central and MOOC List) were also consulted to gather data on MOOC offerings. Eligibility criteria were defined to concentrate on the courses that were offered in 2013 and primarily on the subject ‘Health and Medicine’. All language translations in this paper were achieved using Google Translate. Results: The search identified 225 courses out of which 98 were eligible for the review (n = 98). 58% (57) of the MOOCs considered were offered on the Coursera platform and 94% (92) of all the MOOCs were offered in English. 90 MOOCs were offered by universities and the John Hopkins University offered the largest number of MOOCs (12). Only three MOOCs were offered by developing countries (China, West Indies, and Saudi Arabia). The duration of MOOCs varied from three weeks to 20 weeks with an average length of 6.7 weeks. On average MOOCs expected a participant to work on the material for 4.2 hours a week. Verified Certificates were offered by 14 MOOCs while three others offered other professional recognition. Conclusions: The review presents evidence to suggest that MOOCs can be used as a way to provide continuous medical education. It also shows the potential of MOOCs as a means of increasing health literacy among the public.

Profile of European adults interested in internet-based personalized nutrition: The Food4Me Study

Purpose Personalised intervention may have greater potential for reducing the global burden of non-communicable diseases and for promoting better health and wellbeing across the life-span than the conventional “one size fits all” approach. However, the characteristics of individuals interested in personalised nutrition (PN) are unclear. Therefore, the aim of this study was to describe the characteristics of European adults interested in taking part in an internet-based PN study. Methods Individuals from seven European countries (UK, Ireland, Germany, the Netherlands, Spain, Greece and Poland) were invited to participate in the study via the Food4Me website (http://www.food4me.org). Two screening questionnaires were used to collect data on socio-demographic, anthropometric and health characteristics as well as dietary intakes. Results A total of 5662 individuals expressed an interest in the study (mean age 40 ± 12.7; range 15-87 years). Of these 64.6% were female and 96.9% were Caucasian. Overall, 12.9% were smokers and 46.8% reported the presence of a clinically diagnosed disease. Furthermore, 46.9% were overweight or obese and 34.9% were sedentary during leisure time. Assessment of dietary intakes showed that 54.3% of individuals reported consuming at least 5 portions of fruit and vegetables per day, 45.9% consumed more than 3 servings of wholegrains and 37.2% limited their salt intake to less than 5.75g per day. Conclusions Our data indicate that individuals volunteering to participate in an internet-based PN study are broadly representative of the European adult population, most of whom had adequate nutrient intakes but who could benefit from improved dietary choices and greater physical activity. Future use of internet-based PN approaches is thus relevant to a wide target audience.

Cultural value of architecture in homes and neighbourhoods

This paper provides an account of the Cultural Value of Architecture in Homes and Neighbourhoods, (CVoA), a project developed with the Royal Institute of British Architects (RIBA). The first stage of the project was a critical review of ‘grey literature’ since 2000, industry based research on the value of architecture subdivided into themes: overall value; health and wellbeing; neighbourhood cohesion and heritage and belonging. Findings from the review revealed a marked absence of evidence of the value of architecture and an over preoccupation with the final building, the product of an interdisciplinary team not just Architects, as well as a general confusion about what it is that Architects do. Further consultation has led to the development of a framework for defining and communicating the skillsets of Architects and for developing an evidence base for their value. Our target audience is non-Architects as we are concerned with making the profession more inclusive hence our desire to create simple definitions and terminology.

Omslagstrender - en studie av vad som höjer uppmärksamhetsvärdet hos tidskrifter

Through interviews, a questionnaire survey and an in­depth analysis of the Swedish magazines Veckorevyn and Magazine Café has a number of parameters been made visible. It was difficult to obtain an unambiguous result when the journal's target audience is crucial for the cover design. Nevertheless, we can generally say that the transparent varnish of covers, PMS colors and enclosing the journal in plastic do not increase the attention value, as this occurs in many magazines. Due to today's tough competition among journals, we believe that they will need to niche themselves much harder to survive. We also believe that the new, big trend is that more covers will become more plain and stylistically pure, with one big communicating image and fewer coverlines, as many covers were designed during the 1940s.

A proposed Model for Country Branding : an experimental Application on Nigeria

In the era of globalization, countries compete with each other for attention, respect and trust of potential consumers, investors, tourists, media and governments of other nations. Branding is the most powerful tool that a nation can utilize for effective differentiation strategies and for creating competitive advantage over other nations. Unfortunately, not every nations or destination marketers have a broad understanding of the concept of branding and how a country can be successfully branded. Hence, this study has proposed a model that could be used as a valuable guide for country branding. Also the model is recommended for countries struggling with image crisis; on the mission to improve the image internationally. Nigeria is a good example of countries with image crisis; it is one of the most populated countries in the world with a population of about 160 million inhabitants and growth rate of 2.553percent annually. Despite the abundant resources (e.g. coal, petroleum, natural gas etc.) that the nation is endowed with, it is quite disappointing that the population below poverty line is still at the alarming rate of 70percent of the total population. The mismanagement and poor leadership of the nation characterised by corruption, fraud, embezzlement of public fund etc. has culminated into serious image crisis that is slowing down the potential for investment and economic growth. However, there has been series of image rebranding campaigns but no tangible achievement has been recorded. It is quite questionable though, if image rebranding will provide the kind of future that Nigeria envisaged, considering the socio-political situation and the economic imbalance; compounded by the obvious fact that the nation has no known brand. Therefore, this paper argues that there is need to redirect the effort invested on image rebranding to the creation of a unique and competitive brand for the country. It was established from the study that a nation’s brand is capable of improving the reputation of the nation as well as stimulate the expectation of the target audience. However, it was also established from the study that a wrong approach to branding could mislead the target audience and attract negative publicity. Hence, as a contribution of the study to the field of branding, a model was proposed as a functional guide for country branding. Also, considering the abysmal performance of Nigeria’s image in the international community and to strengthen the argument that brand creation is required for the country; an experimental application of the proposed model was conducted using Nigeria as the case country. The first phase of the model suggested a major improvement in the society; this is required to further enhance the strengths of the country and to motivate the much needed community participation and confidence in the brand creation. It is the conclusion of the study that a strong nation brand can offset the image problem if it is built on something concrete, genuine, and uniquely identifiable with the country, capable of connecting to the cognitive psychology of the target audience.

Medborgarskap i daglig verksamhet : En jämförande analys av identitet och deltagande

The aim is first to identify concept of citizenship and the dimensions of the same, in the political science theory, which can be crucial, to that a citizenship may be found available for people who have a cognitive delay. Thereafter examine the prevalence and significance of these, in policy documents from two different organizational forms, through an analysis, in the form of a discussion, on the basis of political science theories in the field. The study's aim in a reflective way, highlighting key requirements for an accessible citizenship for the target audience, and thereby clarify the priorities in daily activities that can support an emancipatory citizenship process for people who have a cognitive delay.

Gamers preferenser för användargränssnitt på en spelrelaterad webbplats

Användargränssnittsdesign är en stor del av en webbsidas intryck och förändras snabbt i takt med teknologins utveckling och trender. Men det gäller även att locka rätt användare. Hur lockar en webbsida till sig rätt målgrupp? Målet med rapporten var att analysera målgruppen gamers utifrån hur de upplever det grafiska användargränssnittet på en spelrelaterad webbsida. Rapporten behandlar även översiktitligt om aktuella trender för webbdesign tilltalar gamers. Undersökningen utfördes i två delar. I den första delen undersöktes 20 av de största spelrelaterade webbsidornas användargränssnitt. Under del två genomfördes en enkät och intervjuer med målgruppen gamers. I både enkäten och intervjuerna fick respondenterna ta ställning till olika mockups av en fiktiv webbsida. Det var stor skillnad på vad gamers ansåg vara tilltalande jämfört med hur de analyserade webbsidorna såg ut. Exempelvis var endast 25 % av de analyserade webbsidorna mörka medan 71,9 % av respondenterna föredrog en mörk layout.

Manlig eller kvinnligförfattare? : En analys av pocketböckersomslagsdesign utifrån ett genusperspektiv.

Böcker är, trots ett generellt minskat intresse, fortfarande en viktig del av vårtkulturella samhälle. Att böckers utseende anpassas efter sin målgrupp är ingetovanligt men frågan är om även könet på författaren spelar in gällandeutformningen av omslaget.Syftet med studien var därför att genom en visuell innehållsanalys av böckerspocketomslag kartlägga de skillnader som återfinns på manliga respektivekvinnliga författares omslag.Denna undersökning har baserats på en visuell innehållsanalys där 200pocketomslag analyserades, 100 från svenska författare och 100 från engelskaförfattare. Dessa var därefter jämlikt fördelade mellan könen. I analysenreflekteras det över pocketböckernas motiv, dominerande färg, typsnittsfamiljersamt typsnittsfärger.Resultatet från undersökningen tyder på att kvinnliga författare har ettfemininare utseende på sina böcker överlag, och att svenska kvinnligaförfattares omslag uppvisade flest tecken på en femininare utformning. Det gårdock inte att utesluta att böckernas genre kan ha ett inflytande gällandeböckernas utformning, då det var svårt att precisera genren på många böckeröverlag.

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.