Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real

Este trabalho tem por objetivo a análise empírica dos fatores macroeconômicos que determinaram os níveis de spread bancário para pessoas físicas e pessoas jurídicas no Brasil no período pós-adoção do Plano Real até dezembro de 2012. Para isso foi utilizado um modelo de auto regressão vetorial com variáveis representativas de fatores macroeconômicos. O Trabalho expõe ainda algumas características da indústria bancária no Brasil e as particularidades do mercado de crédito praticado para pessoas físicas e pessoas jurídicas. Os resultados deste trabalho evidenciaram que: (i) a taxa básica de juros foi o principal fator macroeconômico de influência do spread praticado tanto para pessoas físicas quanto para pessoas jurídicas; (ii) Enquanto um impacto no nível de inflação ocasionou maior influência no spread para pessoas físicas, um impacto na volatilidade da taxa básica de juros influenciou positivamente o spread para pessoas jurídicas.

Arquitetura da rede e regulação: a neutralidade da rede no Brasil

Esta dissertação apresenta um modelo de análise dogmático para a aplicação do princípio da neutralidade da rede no país, na forma como se encontra regulado pela Lei n. 12.965, conhecida como o Marco Civil da Internet. A metodologia utilizada por este trabalho envolve o mapeamento dos principais debates e tensões que emergem sobre a regulação do tema no Brasil e em outros países, bem como a avaliação dos custos e benefícios envolvidos com diferentes aplicações do princípio da neutralidade da rede. O capítulo 1 traz uma revisão e organização da literatura sobre neutralidade da rede, propondo uma classificação de diferentes correntes e posições de acordo com sua perspectiva regulatória. O capítulo 2 apresenta um mapeamento da matriz institucional por trás da discussão sobre o tema no Brasil, avaliando o arcabouço regulatório, o posicionamento dos atores e de que forma essa matriz exerceu influência na construção colaborativa da redação da neutralidade da rede no Marco Civil. O capítulo 3 oferece um exercício de interpretação dogmática da regra aprovada no Marco Civil, utilizando como métodos diferentes modelos de interpretação. O capítulo 4 continua o exercício hermenêutico proposto no capítulo anterior, analisando de que forma a regulação da neutralidade da rede afeta novos modelos de negócio na camada de infraestrutura da rede, e de que maneira atinge a oferta de planos de acesso à internet que estabeleçam diferentes tarifas de acordo com aplicações específicas. Finalmente, o capítulo 5 utiliza as diversas inferências desenvolvidas nos dois capítulos anteriores para construir m modelo propositivo de como a neutralidade da rede pode ser regulamentada pelo Poder Executivo, à luz do princípio da legalidade.

Leilões de exploração e produção de petróleo e gás natural no Brasil

O primeiro Caderno FGV Energia reúne análises e estudos de especialistas da Fundação Getulio Vargas e da indústria sobre os leilões de exploração e produção (E&P) de petróleo e gás no Brasil. Os capítulos apresentam as análises e os pontos de vista de seus respectivos autores sobre assuntos específicos relacionados ao tema principal.

New Ventures Brasil (Forum 2008) - Vyvedas (Parte 1, 2)

Vyvedas, empresa produtora de cosméticos sem utilização de matérias primas derivada de animais, óleo mineral, corantes sintéticos e testes em animais

Contribuições da inserção musical para a qualidade de vida no trabalho em ambiente laboral fabril

The present thesis aimed at understanding how the insertion of music in the work environment contributes to achieving Quality of Work Life. - QWL, under the perspective of biopsychosocial and organizational well-being. As to music insertion we considered the theoretical-empirical perception about how music is inserted at work and its functions on such place. The context where the study was taken was the manufacturing area of a major textile company, located in Natal, state of Rio Grande do Norte, Brazil, in which music is used during labor activities. The only study case was the research strategy adopted, with exploratory and descriptive purposes. The primary data were collected through the focus group technique, applied to the collaborator in the manufacturing sector. The semi-structured interview was done as a complementary tool, directed to the supervisor in that sector. Respecting the theoretical saturation criterion, we formed four focus groups, each one composed of eight members randomly selected, among the seventy-six collaborators in the sector. The data were analyzed qualitatively, through the content analysis technique, more specifically the category analysis. We identified twenty-eight QWL attributes. Six of them were found present in the four focus groups and in the interview. Among these ones, the attribute of Interpersonal Relationship at Work, contemplating the Psychological and Organizational dimensions, was the only one anticipated in four out of fifteen theoretical models here listed. The attribute Music at Work Environment could be inserted in the four QWL dimensions, highlighting the power and relevance of this attribute for the research participants. The way music has been inserted in the labor environment contributes to promoting well-being at work, which goes against theoretical conceptions, especially when it comes to musical genre. We identified nine functions of music at work, among which, Improving Work Conditions, Improving Interpersonal Relationship at Work and Favoring Motivation for Work had to be emphasized for being associated to three QWL attributes. In the total, we highlighted seven associations. The most affected QWL dimension through the insertion of music at work was the Psychological one, followed by the Organizational one. We conclude that music insertion provides biological, social and, above all, psychological and organizational well-being to the contributors, thus contributing to obtaining QWL at the labor environment researched. However, we should consider the context and proceed to periodical plans and adjustments in the way of music insertion so as to avoid health and well-being problems to those people at work

Obtenção de filtro cerâmico a partir da diatomita e casca de arroz carbonizada visando tratamento de efluente têxtil

The effluents released by the textile industry have high concentrations of alkali, carbohydrates, proteins, in addition to colors containing heavy metals. Therefore, a filter was prepared aiming primarily to the removal of color. In order to prepare this filter, rice hulls and diatomite were used, which have in their structure, basically amorphous hydrated silica. The silica exists in three crystalline forms: quartz, tridymite and cristobalite. In accordance with the above considerations, this study was divided into two stages; the first corresponds to the preparation of the filter and the second to carry out the tests in the effluent/filter in order to verify the efficiency of the color removal. First, the raw material was subjected to a chemical analysis and XRD, and then the diatomite was mixed, via humid, with a planetarium windmill with 20 %, 40 %, 60 % and 80 % of rice husk ash. To the mixture, 5 % carboxymethylcellulose (CMC) was added as a binder at room temperature. The samples were uniaxially compacted into metallic matrix of 0.3 x 0.1 cm² of area at a pressure of 167 MPa by means of hydraulic press and then sintered at temperatures of 1,000 °C, 1,200 °C and 1,400 °C for 1 h and submitted to granulometry test using laser, linear retraction, water absorption, apparent porosity and resistance to bending, DTA, TMA and XRD. To examine the pore structure of the samples scanning electron microscope (SEM) was used. Also tests were carried out in a mercury porosimeter to verify the average size of the pores and real density of the samples. In the second stage, samples of the effluent were collected from a local industry, whose name will be preserved, located in Igapó, in the State of Rio Grande do Norte - RN. The effluent was first pretreated before filtration and then subjected to a treatment of flotation. The effluent was then characterized before and after filtration, with parameters of color, turbidity, suspended solids, pH, chemical and biochemical oxygen demand (COD and BOD). Thus, through the XRD analysis the formation of cristobalite α in all samples was observed. The best average size of pore was found to be 1.75 μm with 61.04 % apparent porosity, thus obtaining an average 97.9 % color removal and 99.8 % removal of suspended solid

Desenvolvimento de membranas porosas de alumina para fins de tratamento de efluente industrial têxtil

Textile production has been considered as an activity of high environmental impact due to the generation of large volumes of waste water with high load of organic compounds and strongly colored effluents, toxic and difficult biodegradability. This thesis deals with obtaining porous alumina ceramic membranes for filtration of textile effluent in the removal of contaminants, mainly color and turbidity. Two types of alumina with different particle sizes as a basis for the preparation of formulation for mass production of ceramic samples and membranes. The technological properties of the samples were evaluated after using sintering conditions: 1,350ºC-2H, 1,450ºC-30M, 1,450ºC-2H, 1,475ºC-30M and 1,475ºC-2H. The sintered samples were characterized by XRD, XRF, AG, TG, DSC, DL, AA, MEA, RL, MRF-3P, SEM and Intrusion Porosimetry by Mercury. After the characterization, a standard membrane was selected with their respective sintering condition for the filterability tests. The effluent was provided by a local Textile Industry and characterized at the entry and exit of the treatment plant. A statistical analysis was used to study the effluent using the following parameters: pH, temperature, EC, SS, SD, oil and grease, turbidity, COD, DO, total phosphorus, chlorides, phenols, metals and fecal coliform. The filtered effluent was evaluated by using the same parameters. These results demonstrate that the feasibility of the use of porous alumina ceramic membranes for removing contaminants from textile effluent with improved average pore size of 0.4 micrometre (distribution range varying from 0,025 to 2.0 micrometre), with total porosity of 29.66%, and average percentages of color removal efficiency of 89.02%, 92.49% of SS, turbidity of 94.55%, metals 2.70% (manganese) to 71.52% (iron) according to each metal and COD removal of 72.80%

Guararapes confecções S.A da Empresa familiar ao Grupo Econômico

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior

Caracterização de Efluente Têxtil e Proposta de Tratamento

Textile industry deals with a high diversity of processes and generation of wastewaters with a high content of pollutant material. Before being disposed of in water bodies, a pre-treatment of the effluent is carried out, which is sometimes ineffective. In order to be properly treated, physical and chemical properties of the effluent must be known, as well as the pollutant agents that might be present in it. This has turned out to be a great problem in the textile industry, for there is a variety of processes and the pollutant load is very diversified. The characterization of the effluent allows the identification of most critical points and, as a consequence, the most appropriate treatment procedure to be employed, may be chosen. This study presents the results obtained after characterizing the effluent of a textile industry that comprises knitting, dyeing and apparel sections, processing mainly polyester/cotton articles. In this work, twenty samples of the effluent were collected, and related to the changes in production. From the results, a statistical evaluation was applied, determined in function of the rate of flow. The following properties and pollutants agents were quantitatively analysed: temperature; pH; sulfides; chlorine; alcalinity; chlorides; cianides; phenols; color; COD (Chemical Oxygen Demand); TOC (Total Organic Carbon); oil and grease; total, fixed and volatile solids; dissolved, fixed and volatile solids; suspended, fixed and volatile solids; setteable solids and heavy metals such as cadmium, copper, lead, chromium, tin, iron, zinc and nickel. Analyses were carried out according to ABNT NBR 13402 norm, based upon Standard Methods for the Examination of Water and Wastewater. As a consequence, a global treatment proposal is presented, involving clean production practices as contaminant load reducer, followed by conventional (biological) treatment

Sistemas microemulsionados aplicados à remoção da cor de efluente têxtil

Effluent color resulting from textile dyeing processes has been one of the biggest environmental problems faced by the textile industry. In particular, reactive dyes are highly resistant to conventional wastewater treatment methods. New technologies have been contemplated, some of which have been applied in industrial treatment plants, but color removal has not been efficiently attained. Since microemulsion systems provide good results in heavy metals and proteins extraction processes, their use in dyes extraction has been suggested and investigated. In this work, a real textile wastewater from an exhaustion dyebath has been treated, which contains the following reactive dyes: Procion Yellow H-E4R (CI Reactive Yellow 84), Procion Blue H-ERD (CI Reactive Blue 160) and Procion Red H-E3B (CI Reactive Red 120), in addition to auxiliary compounds normally found in dyeing processes with reactive dyes. The dyes Remazol Blue RR and Remazol Turquoise Blue G (Reactive Blue 21) have also been examined in view of the presence of heavy metals in these molecules. The microemulsion system comprised dodecyl ammonium chloride (as a cationic surfactant), water or wastewater as aqueous phase, kerosene as oil phase, and one of the following alcohols as cosurfactant: isoamyl alcohol, n-butyl alcohol and n-octyl alcohol. The pseudo-ternary diagrams were constructed in order to define Winsor s equilibrium regions. The influence of parameters such as pH, C/S (cosurfactant/surfactant) ratio, distribution coefficient, initial dye concentration, salinity, temperature, phases relative amounts, loading capacity of the microemulsion phase and dye reextraction rate has also been investigated. An experimental planning (Scheffé Net) was used to optimize the extraction process. The removal of color and metals reached levels as high as 99%

Avaliação econômica dos incentivos fiscais e financeiros: uma análise das empresas industriais têxteis localizadas no Rio Grande do Norte, no período de 1999 a 2003

This study has as main objective to verify the effect of the tax and financial incentives granted by the brazilian states, specially in the reduction of ICMS on the investment decision of the entities, which in the last years led to the companies to decide new projects in based on the region that presented the better infrastructure beyond lesser tributary expense. For in such was made an economic valuation of the companies with focus in the beneficiary s optics using an adaptation of the Discounted Cash Flow method to measure the impact of the tax incentives in the value of the companies, this study selected the textile industry segment located in the State of Rio Grande do Norte, Brazil. The results indicated that such incentives created addition in the value of the companies, however the inexistence of incentives would not be enough to a negative decision of investment in the Rio Grande do Norte. The smallest difference between the value with and without incentive observed was 8.9%, and the biggest 31.7%, and the average of value aggregation with the tax incentives represented 18.9%

Desenvolvimento inicial e estado nutricional do maracujazeiro em resposta à aplicação de lodo têxtil

O processo de tratamento de efluentes líquidos da indústria têxtil gera, como resíduo, um lodo de características orgânicas com concentração significativa de sódio e potássio. Objetivou-se quantificar os efeitos da aplicação do lodo ao solo, sobre o desenvolvimento inicial do maracujazeiro, e avaliou-se o crescimento e o estado nutricional das plantas. O delineamento experimental foi em blocos ao acaso, com quatro repetições de cinco tratamentos, que consistiram na aplicação de lodo têxtil, nas doses de 10, 15, 20 e 30 g vaso-1 (base seca), correspondentes a 10, 15, 20 e 30 t ha-1, respectivamente, além da testemunha sem aplicação do resíduo. As mudas receberam adubação básica com N, P, K, Zn e B, nas doses de 300, 450, 150, 5, e 0,5 mg dm-3, respectivamente. A unidade experimental foi constituída por vasos com 2 dm³ de amostra de um Latossolo Vermelho distrófico (V = 29%). Após 100 dias da semeadura, o lodo têxtil corrigiu a acidez do solo. Entretanto, em doses superiores a 10 t ha-1, promoveu a morte das plantas. O lodo têxtil aumentou os teores de N, K, S, B, Mn e Zn, diminuiu os de Ca e Mg e não alterou os de Cu e Fe da parte aérea das mudas.

Processo produtivo e relação capital / trabalho: um estudo sobre a indústria farmacêutica paulista no período recente

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Conformidade da rotulagem de alimentos consumidos por escolares à legislação brasileira

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)