Aspectos limitadores e incentivadores para a adoção do mobile payment na realização de operações de microcrédito

Este estudo tem por objetivo identificar os aspectos que podem promover ou limitar o surgimento de arranjos de pagamentos de mobile payment (pagamentos móveis) que possam ser utilizados nas iniciativas de microcrédito no Brasil. O tema microcrédito foi escolhido em função do enorme potencial para a realização de operações de microcrédito no Brasil, bem como pelo aspecto de integração econômico-social que as operações de microcrédito podem proporcionar. A escolha do tema mobile payment ocorreu em função da versatilidade e inovação desta modalidade de pagamento, com potencial para uma grande transformação dos meios de pagamentos no mercado brasileiro. A análise da utilização do mobile payment nas iniciativas de microcrédito surgiu em função das contribuições que tal modalidade de pagamento pode trazer para a realização de operações de microcrédito. O objetivo deste estudo qualitativo é auxiliar na compreensão dos aspectos limitadores e incentivadores para a utilização do mobile payment nas iniciativas de microcrédito, bem como verificar quais contribuições a utilização do mobile payment pode trazer para a realização de operações de microcrédito. Adicionalmente, por meio das informações obtidas junto aos Grupos Sociais Relevantes (GSR) envolvidos nos arranjos de pagamentos, a presente pesquisa pretende ainda identificar as influências destes agentes para a formação e adaptação desses arranjos. As informações para a realização deste estudo foram coletadas principalmente por meio de entrevistas em profundidade com representantes selecionados dos GSR participantes dos arranjos de pagamentos. As entrevistas realizadas foram transcritas e constam no final do trabalho, representando uma fonte importante de informação aos interessados no tema, em função da riqueza de detalhes apresentados. Para a compreensão e interpretação do objeto de estudo, foi utilizado o referencial teórico apresentado por Coase e Williamson (Teoria dos Custos de Transação), Gannamaneni e Ondrus (Multilevel Framework). Com a publicação da Resolução 4.282 do Banco Central do Brasil em novembro de 2013, instituindo o marco regulatório que disciplina a autorização e o funcionamento de arranjos e instituições de pagamento no Brasil, o objeto de análise em questão torna-se ainda mais relevante para a comunidade acadêmica, participantes do mercado de microcrédito e GSR integrantes dos arranjos de mobile payment. Espera-se com isso contribuir para um melhor entendimento das barreiras e facilitadores para a adoção e desenvolvimento dos arranjos de pagamentos de mobile payment, e, principalmente, que esta pesquisa possa contribuir para uma maior interação destes arranjos com as iniciativas de microcrédito.

Redes sociais e democracia deliberativa

Este artigo pretende conectar aspectos gerais das teorias deliberativas de democracia a mecanismos específicos disponíveis aos usuários das redes sociais. Aponta-se quais ferramentas das redes sociais colaboram com a constituição de uma esfera pública e o desenvolvimento de uma democracia deliberativa, especialmente quando incorporadas pela comunicação do Estado. Para tanto, reconstruímos sistematicamente a estrutura teórica da democracia deliberativa e, em seguida, avaliamos ferramentas específicas, ilustrando-as com exemplos nacionais de seu uso. Julgamos que esse tipo de análise é relevante para que se determine no futuro como estruturar a comunicação entre órgãos estatais e sociedade, de maneira a maximizar seu potencial deliberativo.

A formação e o desenvolvimento de arranjos cooperativos sob a ótica da imersão social e da economia dos custos de transação: um estrudo de caso na Coopercam e na Unipesca

The current study analyzes the birth and development of two strategic alliances established between shrimp producers in Rio Grande do Norte: the Unipesca and the Coopercam. To achieve this aim, two approaches which, at first sight, could be considered contradictory were used: the Transactional Costs Economy and Embeddedness. The first approach is fundamentally based in the studies of Williamson (1985; 1991; 1996; 1999; 2000; 2002). Embededness, on the other hand, went through the review of a series of authors, such as Burt (1992), Granovetter (1973; 1985), Uzzi (1997), Gulati (1994; 1995; 1997; 1998; 1999; 2000), Nielsen (2005), Ring (2002), Ring and Van de Ven (1994), Zafirovski (2002), among others. To analyze the birth and development of the cooperatives in this study, Gulati s work (1998) was used. This study shows the steps to be studied for a better comprehension of an alliance: the decision of starting an alliance and the choice of the partners, the decision about the governance structure, the evolution of the alliance and the development of the companies which established this partnership. To carry this study out, a study case accordingly to Yin s proposal (2001) was adopted. Semi-structured interviews with pre-defined plots were conducted in two phases: in the beginning of 2006 and in the beginning of 2007. The subjects from the research were, in 2006, representative members of the main associations and corporations, besides the shrimp producers from the state, when the context of the activity was set. In the second phase, in 2007, representative members from the two cooperatives that were listed above were interviewed the president from Coopercam and the marketing manager from Unipesca. Besides these two members, directors from two important organizations in each of these cooperatives were also interviewed, giving out the necessary information for the research. Secondary data was also collected from the Brazilian Association of Crab producers website, as well as from news from important newspapers in RN, such as Tribuna do Norte. The primary data was analyzed in terms of quality, accordingly to the documental analysis technique. Thus, through the data that was collected, it can be concluded that the reasons that motivated the companies to cooperate can be explained in terms of the transactional costs economy. However, the choice of partners is more connected to aspects approached by the social embededness. When aspects related to development and evolution were analyzed, it could be seen that both aspects from TCE and Embededness were vital to explain the development of the cooperatives mentioned

Práticas da ti verde que contribuem para o desenvolvimento sustentável: um estudo de caso em indústrias do RN

This dissertation aims to describe the practices of Information Technology Green contributing to sustainable development, in computers and textile industries in the state of Rio Grande do Norte. The goal is to understand the importance and contribution of IT Green for sustainable development. The research methodology used involved a survey of the theoretical approach prepared, involving two case studies in industries of Rio Grande do Norte. The analysis was supported by an analysis of content, which allowed the understanding of the phenomenon of the Information Technology Green sustainable development in the case studies. In conclusion, is that the Green Information Technology contributes to sustainable development, even so through incipient aspects that highlight the competitive business with a focus on cost reduction, and efforts in sustainable practices

No palco, os quadrinhos: a influência do teatro judaico no desenvolvimento das histórias em quadrinhos modernas

This dissertation has its main goal on signing the modern Comic Books` narrative development aspects. It goes from its relationship with performing arts, specifically with the Yiddish (Jewish theatre). The research was done from the Will Eisner´s work analysis. He is a cartoonist and has a wide and influent in his area. Moreover he clearly reflects the similarities between Comic Books and Theatre. In this study was adopted the qualitative methodology on historic-comparative procedure through bibliography. The study indicates that, although their media and distinct principles, the Comic Books and Yiddish Theatre have close influence relationship considering their narrative solutions

Aspectos ambientais e sociais envolvidos na transmissão da L. chagasi no município de Parnamirim/RN

Visceral leishmaniasis hás adapted in the past 20 years to periurban and urban areas, and in Natal, Rio Grande do Norte, it became endemic. Thid study aimed to evaluate the environmental and social aspectsof Leishmania chagasi infection and its epidemiologic transmission chain in an urban, periurban and rural area of Parnamirim-RN. A study with three sections was conducted: Section 1: Sectional study of the human and canine infection by L. chagasi and its environmental and social determinants. Section 2: Observational longitudinal cohort to evaluate the dynamics of the canine infection. Section 3: Longitudinal study to evaluate the behavior of Lu. Longipalpis vector and the seasonal factors related to its dynamics. To include in the study the hauses were randomly selected and georreferenciated. Montenegro skin test was done in the human population and blood samples were collected for anti-Leishmania antibody detection. The canine population was examinated for L. chagasi infection by RIFI, ELISA and ELISA for rK39. An entomologic surveillance was monthly done with CDC light trapsin 10 houses of each locality. Quantitative and qualitative analyses was done using STATISC 6.0. Probality and prediction maps were done using ArcGis 9.0 model. In the human population L. chagasi infection was associated with the area of the hause, age, sex, population densyti, vegetation, kind of the floor of thr hause, water and resides destiny. In the canine population L. chagasi infection was associated with the breed, size, time of living in the hause, presence of dogs in the neighborhood, presence of horses and donkeys in the neighborhood, vegetation, kind of the floor and walls of the hause. The human infection was associated with canine infction only when analyzed taking into account the locality. In the prospective study, serum conversion and antibody lost observed in 30,8% and 22% of the animals examined, respectively. The human infection rate by L. chagasi was 24,6%, by the presence of anti-Leishmania antibody and 38,6% by the Montenegro skin test. The canine infection rate 32,5% by the presence of anti-Leishmania antibody. The vector Lu longipalpis showed an atypical behavior. These results indicate that environmental and social factors are important variables associated with L. chagasi infection in humans and canines, with punctual association of thr last two. Control measures of the infection on the studied points are necessary, in the aim to reduce the endemic focus of the disease in the study area. This research was carried out in a multidisciplinary involving the categories of: doctor, biologist, veterinarian, statistical, pharmaceutical and biochemical

Aspectos morfológicos do fruto, da semente e desenvolvimento pós-seminal de faveira (Clitoria fairchildiana R. A. Howard. - Fabaceae)

O presente trabalho teve por objetivo descrever a morfologia dos frutos, das sementes e o desenvolvimento pós-seminal de faveira (Clitoria fairchildiana R. A. Howard. - Fabaceae). Os frutos e as sementes foram caracterizados quanto à forma e dimensões. Periodicamente, unidades representativas de cada fase de germinação foram retiradas para as descrições morfológicas. Os frutos são do tipo legume, deiscentes e de coloração marrom. As sementes são exalbuminosas, de forma orbicular e achatada, com tegumento de coloração castanho-esverdeada. O hilo tem forma elíptica, homocromo e de tamanho pequeno em relação à semente. Os cotilédones são livres, de coloração verde, maciços e plano-convexos e o embrião é invaginado. O início do desenvolvimento pós-seminal é marcado pelo rompimento do tegumento e emissão da raiz primária, glabra, de coloração amarelo-esverdeada e de forma cilíndrica. Posteriormente, observa-se o desenvolvimento das raízes secundárias, levemente esbranquiçadas, curtas e filiformes. em seguida, o crescimento do hipocótilo proporciona a emergência dos cotilédones e da plúmula acima do substrato. O epicótilo alonga-se e, em seguida, observa-se a expansão dos eófilos, simples, opostos, com tricomas simples e esparsos, pecíolos curtos com estípulas em sua base. Posteriormente ao desenvolvimento dos eófilos, ocorre a formação do segundo par de folhas, alternas, trifolioladas, estipuladas e com estipelas na base dos peciólulos.

Aspectos morfológicos, germinação e desenvolvimento inicial de plântulas de Archontophoenix alexandrae (F. Mueller) H. Wendl. e Drude (Arecaceae) em diferentes substratos

Este trabalho teve por objetivo descrever a morfologia dos diásporos e as suas fases de germinação, bem como determinar o substrato mais adequado para a germinação das sementes e o crescimento das plântulas de palmeira-da-rainha (Archontophoenix alexandrae (F. Mueller) H. Wendl. e Drude). Periodicamente, unidades representativas de cada fase de germinação foram retiradas para as descrições morfológicas. Os substratos utilizados foram Plantmax®, areia, terra (latossolo roxo) e outro com proporções iguais de terra, areia e esterco (TAE). Foi instalado um experimento em delineamento inteiramente casualizado. Avaliaram-se a porcentagem, o tempo médio de germinação e o crescimento inicial das plântulas aos 135 dias após a emergência, com base na altura, diâmetro do colo e número, comprimento e largura das folhas. As sementes são albuminosas, com endosperma ruminado e oleaginoso, e o embrião é lateral, periférico e relativamente indiferenciado. A germinação é do tipo criptocotiledonar hipógea, iniciando-se com a formação de uma massa de células indiferenciadas na depressão micropilar. Essa massa de células torna-se cilíndrica, com a diferenciação dos primórdios caulinares e radiculares. Concomitantemente, ocorre o desenvolvimento de raízes adventícias no eixo embrionário. O substrato mais indicado para a germinação de sementes de palmeira-da-rainha é o Plantmax®, porém, para o crescimento inicial, indica-se Plantmax® e TAE.

Protagonismo juvenil: uma avaliação do programa agente jovem de desenvolvimento humano na cidade de Natal RN (2006/2007).

This paper presents a critical rescue of the term youth, while simultaneously is presented as the lifetime of between 15 and 24 years. Rescue two features in the literature. The first considers youth as a transition period and the second phase work that from a predisposition to rebellion. Discusses the design plural of that term, youth recital to this social and historical aspects of different societies to which it relates and highlights the importance of realizing the diversity of it. Where the object of investigation, the Young Agent Program, the overall objective of the study is to evaluate the effectiveness of the actions of the Young Agent Program for Human Development in Natal-RN. Specifically aims to evaluate the effectiveness of the Young Agent Program: a) as an enhancer of the integration of young people in social spaces of family, school and community, b) as to (re) insertion and the incorporation of issues related to health in adolescence, and c ) regarding the work of young people as multipliers of the actions of the program. With regard to the methodological procedures presents a review of the literature on youth, and the categories of human development, leadership and evaluation of youth policies for the construction of theoretical and analytical approach, using documentary data collection in the Municipal Labor and Social Services - SEMT on the Young Agent Program, and interviews with actors involved in the program. Finally, evaluates the effectiveness of the Young Agent Program from the perspective of participants

Calçadas invisíveis: aspectos do passeio público, em Natal-RN, como projeção de uma cidadania ausente

This study has as a goal to establish a relationship between public sidewalk characteristics of Lagoa Nova District (neighborhood), in Natal and the kind of citizens whose constructions and maintenance layouts reflects. It‟s understood here as public sidewalk, specifically, the place reserved for passers-by traffic, located between public lots and vehicles pavements. It‟s a concern to make a brief survey about the occupation of this particular region and a detailed description over physical characteristic of its sidewalks that shows several obstacles for passers-by accessibility, trying to find possible factors that explain the problematic format , once, at the first sight, most of accessibility of passers-by is compromised. It‟ also, searched, local population thoughts regarding occupation notions about this environment, just like as cultural, political and economical aspects that might influence upon snatching these hybrid places located between private and public border line. It‟s confirmed that the nowadays sidewalks‟ shapes is not only citizenship reflection or a lack of it but shows it as an active agent related with the construction of this set of fundamental rights and duties vital for harmonical co-living local citizens

Reforma administrativa e gestão de políticas sociais em Mossoró: a falácia dos atores institucionais e sociais

The thesis entitled The administrative reform and social political management in Mossoró: the institutional and social staff's falacy. Comprehends a moment of apprehensiveness and analysis in the reestrcturing process of the city, whose process will show the formation of strategies and deployment of its relation with the social political affectiveness. It represents a single moment in the approach of such a kind of experience in the city. The analysis starts from the third mandate of the Mayor Rosalba Ciarlini Rosado, during the quadriennium 2001/2004, for being the time in which the public management got materialized, such as in the operational way of the social politics. For that, we delimitate this study in two distinct moments: the first one refers to the reform elaboration from the creation of the additional law nº 001/2000 GP/PMM: the second one refers to a practical reform from the social and institutional staff's speech. Within that scenary it was seen that the approaching, though partially, the State Reform and, consequently, the master plan of the state apparatus, which were made of theoretical matrices of such a project locally. However, that is a complex experience, that required the use of field and documental research for the proposed investigation and at the same time, prove the guiding hypothesis of it, what means a grouping of areas like: education, healthy, and social development in only one department City Citizenship Department that is able to materialize a new intitutional arrangement, according to the management principles in the public administration at the govern local level, configuring a reform and not just an institutional adequacy. In that context, it got necessary to apprehending the institutional and social actors' falacy as a way to prove or not the presented hypothesis. Among the first staff, we have the mayor's direct leaders and advisors' perception that express the politcal administrative aspects of the reform and, in the second, the perception of the political view of what has changed concerning the management of the social politics