Social entrepreneurship, microcredit and development challenges: a case study analysis of Banco Pérola

The term “social entrepreneurship” has been attracting growing interest from different sectors in the past years, driven by the possibility of employing business techniques to tackle recurrent social and environmental issues. At the forefront of this global phenomenon is microcredit, seen by many as an effective anti-poverty tool and having the Grameen Bank as its flagship program. While the prospects of social entrepreneurship seem promising, the newness of the concept and its somewhat confusing definition make conditions difficult to analyze this contemporary phenomenon. Therefore, the objective of this study was to discuss the challenges faced by social entrepreneurs and alternatives of development for social businesses through a case study on a Brazilian microcredit institution and inclusive business, Banco Pérola. The case addresses a growing need for case studies designed for teaching in the field of social entrepreneurship. It was focused mainly on understanding the development challenges within Banco Pérola, and built based on interviews carried out with top management, credit officer and clients of the institution, as well as on secondary data collected. An analysis of the case study was performed under a Teaching Notes. As illustrated by the Banco Pérola case, the main difficulties encountered by social entrepreneurs relate to the systematization of processes and creation of operational routines, including for performance evaluation (impact assessment tools); to the capture and management of both financial and human capital; to scaling up the business model and to the need of forging closer and more personal relationships with customers as against in traditional banking practices. In spite of certain limitations, such as the fact that the case might soon become outdated due to the fast-changing environment surrounding Banco Pérola, or the fact that not all relevant stakeholders (e.g. partners) were selected for interviews, the research objective has been achieved and the study can be seen as a contribution to spreading the concept of social entrepreneurship.

Introdução à disciplina desenvolvimento de software para web

O professor inicia-se esta videoaula fazendo uma apresentação pessoal. Logo após, informa algumas informações referentes à disciplina, que foca no contexto de aplicação para web (abordagem cliente – servidor). As tecnologias citadas são a linguagem Java, servidor Tomcat e banco de dados MySQL. São mencionadas as tarefas que devem ser executadas pelos alunos de modo a dar continuidade à disciplina.

Recomendações para o desenvolvimento de uma ferramenta de suporte às primeiras decisões projetuais visando ao desempenho energético de edificações de escritório em clima quente

PEDRINI, Aldomar; SZOKOLAY, Steven. Recomendações para o desenvolvimento de uma ferramenta de suporte às primeiras decisões projetuais visando ao desempenho energético de edificações de escritório em clima quente. Ambiente Construído, Porto Alegre, v. 5, n. 1, p.39-54, jan./mar. 2005. Trimestral. Disponível em: . Acesso em: 04 out. 2010.

Desenvolvimento e validação de modelo de previsão para mancha preta dos citros em função de variáveis meteorológicas

A mancha preta dos citros é uma doença causada pelo fungo Guignardia citricarpa que produz lesões em frutos em variedades de laranja doce comerciais, causando a queda precoce dos frutos, diminuindo a produtividade e levando a sua depreciação para o mercado de fruta fresca. O objetivo do trabalho foi desenvolver e validar um modelo de favorabilidade climática da mancha preta dos citros relacionado a ocorrência dos sintomas da doença no Estado de São Paulo. Desenvolveu-se um sistema empírico com base em um banco de dados da ocorrência da doença e das condições climáticas, em campo, nos municípios de Barretos/SP e Gavião Peixoto/SP, durante as Safras 2007/2008 e 2008/2009. A variedade de laranjeira doce utilizada nos experimentos foi a 'Valência' enxertada sobre limoeiro 'Cravo', com 10 anos de idade. Para a incidência da mancha preta foi avaliada a porcentagem de frutos com sintomas na planta e para a severidade, a porcentagem de casca lesionada por fruto. Na análise de regressão as variáveis climáticas e os dados de intensidade de doença de Barretos foram selecionados no procedimento 'stepwise'. As melhores equações de regressão foram selecionadas pelo coeficiente de determinação (R²) e pela significância da regressão no teste F (P < 0,05 e P < 0,01) que resultou na equação Y= -502,43 + 9,61 X10 + 4,78 X30 + 0,54 X46 - 7,9 X50 em que Y=Índice de Favorabilidade, X10 é a temperatura média, X30 é a umidade relativa média, X46 é o molhamento foliar e X50 é a temperatura média durante o molhamento foliar, determinados com dados de intervalos de sete dias. Procedeu-se a validação no campo no município de Gavião Peixoto durante a Safra 2008/2009, realizando a correlação entre a incidência e severidade observadas no experimento e os dados previstos que foram os determinados pela equação, sendo que a correlação mostrou-se positiva para a incidência da doença com um R²=0,87.

O Trabalho e o labirinto da responsabilidade socioempresarial:a experiência da cidadania empresarial do Banco do Brasil

In the current systemic crisis, economic policy is directed to correct the consequences of the functioning of this metabolism, but within the limits of the capital. From this perspective, decision makers propose trade policies, agricultural and industrial to ensure conditions for economic growth. However, as a dead end, there is failure of the State in giving efficacy to the operation of all segments of the economy, especially given the budget constraint. Public managers are forced to seek external resources, resuming the cycle of political allegiance to the interests of international financial and banking representatives, installed in so-called multilateral. The complex ideological capital comes into play in trying to convince society that the paths taken by governments are inevitable, and that capitalism can be "humanized", even with the realization of the growing inequalities caused by historical irrationalism of the production process of capital . In this sense, emerging concepts that attempt to demonstrate the compatibility of the system to real human needs. This ideological offensive is intended to legitimize the capital. The so-called third sector has a special highlight with the concept of corporate social responsibility. It creates a political environment in which the inevitable mix-up with new illusions offered by and often funding the metabolism of capital in order to perpetuate this system. In this context, political elites, and considerable portions of the academy, embark on "waves of capitalist optimism," while the sociometabolismo capital expands its historical limits, driving forces postponing their collapse, but that cause human suffering and ecological stress. Wars are disseminated to strengthen the deadly war industry and the automobile industry; and devastating the environment of which depends the capital system. In this scenario disassemble, propositions emerge around a "new social pact" in order to minimize the adverse effects of the dynamics of reproduction of capital. The business class is called to exercise its role through the discourse that appeals to social responsibility programs, in order to intervene directly in the "social question". The core of this research is precisely this point. Although there is considerable scholarship on the phenomenon of Social Responsibility and Corporate Citizenship, there is also an evident lack of this approach focused on the banking sector in Brazil. The importance of rentier capital increased ownership of shares in the wealth produced by all of Brazilian society, justifies a sociological research project on Social Responsibility in the domestic financial sector. In this sense, it was decided to perform a dynamic approach to the "Corporate Citizenship" in the banking industry, specifically in the Bank of Brazil. As this is a key institution, is important analyze of the impacts of this strategy fetish of capitalist reproduction, in order to evaluate the social legitimization of rentier capital in Brazil. In this scenario of the abundance of the discourse on social responsibility there exist a progressive impoverishment of professional work in this segment in Brazil. There is a dramatic mismatch between rhetoric and practice because of the trend of deepening vulnerability of the working conditions of the Brazilian bank worker, from the 1990's. In the specific case of the Bank of Brazil, the first initiative of the institution was to conform to the principles of the UNO and the Ethos Institute, aiming to align their domestic policies to this new strategy of domination of capital. The purpose is to place the Bank in the ideological sphere of corporate social responsibility, just as with its partners in the private financial intercapitalist competition. Indeed, in the internal ambit of the Bank of Brazil, there is a policy to adjust its functional segments to the doctrine of Social Corporate Responsibility. The concepts of this doctrine is presented as something inexorable. There are no alternatives. The Bank of Brazil operates in a highly competitive market, the segment featuring the dominance of financial capital accumulation today. For this reason it can not fail to incorporate the technological advances organizational. For employees there is no alternative but to adapt to this new set of ideas proposed by the metabolism of capital

Estado desenvolvimentista e o Nordeste :o BNB na busca de um modelo de desenvolvimento regional

This research tried to follow up with the way of intervention that a developing State promotes it regional development, once its action departs from a quantitative conception until its acting focused in maintenance, like the strategy of local development input in the Northeastern of Brazil in the 90 s. particularly, the attention was focused onto Banco do Nordeste which, between 1995 and 2002, achieved a organization changing process to get fit itself to the new conception of development and State, that advocates the maintenance and the participation of the society in its accomplishment, becoming itself the main agent of the Federal Government in the Region. By taking over the strategy of local development, Banco do Nordeste starts, at least in speech, to be less of a bank to become more of a development agent , representing some development and hope to overcome the social and economical inequalities of the Region. The hypothesis that surrounds this essay is that this reorientation experienced at Banco do Nordeste is related to three factors: timing; the Institution of a project of international technical cooperation with PNUD; the unrest of an employees group, who used to fight for the acting increase of the Bank to beyond the credit acting; and, above all, the juncture created in Ceara from the second half of the 80 s, expressed, mainly, for the political rise of a group of businessmen, who took over and modernized the standards of public management in the State, transforming the cearense experience into reference in Brazil and the world. The research was developed from information got through the use of semi-structured interviews and documental research and, as complementary resource, field observation. The interviews were done with BNB managers between 1995 and 2003, some of them current administrators (2003-2006), plus one of CAPEF directors and the present president of AFBNB. The research revealed that strategic place taken by BNB in the period studied did not come to represent a rupture in its organizational culture, being strongly attached to factors that allows its operation. When some of these elements stopped existing, it was observed a retracing in the pattern of state intervention in the Region. This conclusion restates the vision of State that guided this thesis, identified as relationships field, of different interests; space where social conflicts are established; incarnated through the institutions

Efeito de adjuvantes na calda e do estádio de desenvolvimento das plantas, no controle do capim-colonião (Panicum maximum) com glyphosate

O objetivo do presente trabalho foi estudar a possibilidade da redução de dosagens de glyphosate (N-(fosfonometil)-glicina) em função de aumentos na quantidade de óleo vegetal e uréia adicionados como adjuvantes à calda. Além disso, avaliou-se o efeito desse herbicida aplicado isolado ou combinado com os adjuvantes, em três estádios de crescimento do capim-colonião. Os experimentos foram instalados nas entrelinhas de pomares de citros, variedade Pera Rio, do município de Barretos/SP, com altas infestações de capim-colonião, no ano de 1990. Testou-se o glyphosate isolado, na dosagem de 1,8 kg/ha de equivalente ácido (e.a.) e nas dosagens de 1,44, 1,08 e 0,72 kg/ha, adicionadas de 1,0, 2,0 e 3,0 l/ha de óleo vegetal e utilizou-se uma testemunha, tratada apenas com água. As plantas de capim-colonião mediam 1,5 m de altura. em outro experimento, o herbicida foi testado isoladamente na dosagem de 1,08 kg e.a./ha, e combinado com 2 l/ha de óleo vegetal ou 0,3% de uréia, sob os três estádios de crescimento do capim-colonião: a) 0,6m de altura e início do florescimento e frutificação; b) 1,5m de altura, florescimento e frutificação plenos; c) 0,5m de altura, na forma de rebrota da touceira após roçada da planta adulta, início de florescimento e frutificação. A adição de 2 l/ha de óleo vegetal na calda de pulverização, permitiu redução de 0,72 kg/ha do e.a. do glyphosate, sem prejuízos para o controle em relação a aplicação isolada na dosagem de 1,80 kg/ha. Nas mesmas condições, a adição de 0,2% de uréia proporcionou redução de 0,36 kg/ha do e.a. do herbicida. O controle sempre foi menor quando as plantas estavam mais velhas, o que pode ser resolvido com a aplicação dos produtos sobre a rebrota de tais plantas, após a roçada. A aplicação do herbicida, isolado ou com aditivos, no início do florescimento e frutificação das plantas, quer seja no seu desenvolvimento inicial ou após a brotação da soqueira, promoveu a inviabilização das sementes produzidas, diminuindo sensivelmente o número de dissemínulos viáveis no banco de sementes dessa espécie, presentes no solo.

Desenvolvimento de software para simulação de motores com dispositivos de partida baseada na integração do atp com o toprede

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior

Desenvolvimento de um sistema para aplicação dos conceitos da tecnologia cad3d-bim na indústria moveleira

In this work was developed an information system to apply the concepts of CAD3D-BIM technology for the design activities of the furniture industry. The development of this system was based in an architecture comprised of two modules: a web interface to management the metadata of models from furniture's library and the combination of three-dimensional CAD software with a specific plugin to access the information from this model. To develop this system was also used a Data Base Management System (DBMS) designed to storage the information from models in a hierarchical way, based on concepts of Group Technology (GT). The centralization of information in a single database allows the automatic availability of any changes to all participants involved in a particular project when it‟s happens. Each module from system has its own connection to this database. Finally was developed a prototype from a 3D virtual environment to help create Virtual Reality projects in the web. A study from available technologies to create 3D web applications for execution in websites was done to support this development. The interconnection between modules and the database developed allowed the assembly of a system architecture to support the construction and exhibition of projects of the furniture industry in accordance with the concepts proposed by BIM (Building Information Modeling), using as object of study the furniture industry of state of Rio Grande do Norte

Determinação de Dados de Equilíbrio Líquido-Vapor para Sistemas Hidrocarbonetos e Desenvolvimento de uma Nova Célula Dinâmica

In the present work are established initially the fundamental relationships of thermodynamics that govern the equilibrium between phases, the models used for the description of the behavior non ideal of the liquid and vapor phases in conditions of low pressures. This work seeks the determination of vapor-liquid equilibrium (VLE) data for a series of multicomponents mixtures of saturated aliphatic hydrocarbons, prepared synthetically starting from substances with analytical degree and the development of a new dynamic cell with circulation of the vapor phase. The apparatus and experimental procedures developed are described and applied for the determination of VLE data. VLE isobarics data were obtained through a Fischer's ebulliometer of circulation of both phases, for the systems pentane + dodecane, heptane + dodecane and decane + dodecane. Using the two new dynamic cells especially projected, of easy operation and low cost, with circulation of the vapor phase, data for the systems heptane + decane + dodecane, acetone + water, tween 20 + dodecane, phenol + water and distillation curves of a gasoline without addictive were measured. Compositions of the equilibrium phases were found by densimetry, chromatography, and total organic carbon analyzer. Calibration curves of density versus composition were prepared from synthetic mixtures and the behavior excess volumes were evaluated. The VLE data obtained experimentally for the hydrocarbon and aqueous systems were submitted to the test of thermodynamic consistency, as well as the obtained from the literature data for another binary systems, mainly in the bank DDB (Dortmund Data Bank), where the Gibbs-Duhem equation is used obtaining a satisfactory data base. The results of the thermodynamic consistency tests for the binary and ternary systems were evaluated in terms of deviations for applications such as model development. Later, those groups of data (tested and approved) were used in the KijPoly program for the determination of the binary kij parameters of the cubic equations of state original Peng-Robinson and with the expanded alpha function. These obtained parameters can be applied for simulation of the reservoirs petroleum conditions and of the several distillation processes found in the petrochemistry industry, through simulators. The two designed dynamic cells used equipments of national technology for the determination Humberto Neves Maia de Oliveira Tese de Doutorado PPGEQ/PRH-ANP 14/UFRN of VLE data were well succeed, demonstrating efficiency and low cost. Multicomponents systems, mixtures of components of different molecular weights and also diluted solutions may be studied in these developed VLE cells

Uma análise de aspectos relacionados ao desenvolvimento e adoção de Enterprise Resources Planning livre de código aberto

Sistemas Integrados de Gestão ou Enterprise Resources Planning - ERP possibilitam o processamento das informações necessárias em uma empresa usando um único banco de dados. Muito tem se escrito sobre este tipo de software, abordando questões como o alto custo da aquisição de licenças, e a dependência de consultoria para a sua adaptação e implantação nas empresas. Atualmente vem crescendo o desenvolvimento e uso de ERP Livre de Código Aberto (FOS-ERP). Porém verifica-se que este tipo de sistema ainda não é suficientemente explorado, mesmo no meio acadêmico. Este artigo relata alguns trabalhos publicados sobre o assunto e levanta questões que devem ser tratadas por pesquisadores e demais interessados para adequar e viabilizar o uso desses sistemas conforme a realidade nacional. Assim, após uma introdução ao tema, são apresentadas algumas diferenças entre o FOS-ERP e seus equivalentes proprietários (Proprietary ERP ou P-ERP) em termos de modelos de negócios, seleção, customização e evolução. em seguida são elencados alguns desafios e oportunidades que o FOS-ERP pode oferecer a usuários, fornecedores, pesquisadores e colaboradores individuais. Concluindo, este artigo busca ampliar a discussão sobre FOS-ERP, destacando fatores tais como seu potencial de inovação tecnológica e estratégias de negócios.

Desenvolvimento de um sistema computacional para geração automática de mapas de vulnerabilidade como ferramenta de auxílio às ações de prevenção ao derramamento de óleo em áreas costeiras

The northern portion of the Rio Grande do Norte State is characterized by intense coastal dynamics affecting areas with ecosystems of moderate to high environmental sensitivity. In this region are installed the main socioeconomic activities of RN State: salt industry, shrimp farm, fruit industry and oil industry. The oil industry suffers the effects of coastal dynamic action promoting problems such as erosion and exposure of wells and pipelines along the shore. Thus came the improvement of such modifications, in search of understanding of the changes which causes environmental impacts with the purpose of detecting and assessing areas with greater vulnerability to variations. Coastal areas under influence oil industry are highly vulnerable and sensitive in case of accidents involving oil spill in the vicinity. Therefore, it was established the geoenvironmental monitoring of the region with the aim of evaluating the entire coastal area evolution and check the sensitivity of the site on the presence of oil. The goal of this work was the implementation of a computer system that combines the needs of insertion and visualization of thematic maps for the generation of Environmental Vulnerability maps, using techniques of Business Intelligence (BI), from vector information previously stored in the database. The fundamental design interest was to implement a more scalable system that meets the diverse fields of study and make the appropriate system for generating online vulnerability maps, automating the methodology so as to facilitate data manipulation and fast results in cases of real time operational decision-making. In database development a geographic area was established the conceptual model of the selected data and Web system was done using the template database PostgreSQL, PostGis spatial extension, Glassfish Web server and the viewer maps Web environment, the GeoServer. To develop a geographic database it was necessary to generate the conceptual model of the selected data and the Web system development was done using the PostgreSQL database system, its spatial extension PostGIS, the web server Glassfish and GeoServer to display maps in Web

Avaliação do desenvolvimento de maracujá-doce (Passiflora alata Dryander) propagado por estaquia e por semente em condições de pomar comercial

O trabalho foi realizado na Área de Propagação de Fruteiras do Departamento de Produção Vegetal da Faculdade de Ciências Agrárias e Veterinárias, Universidade Estadual Paulista (FCAV/UNESP), Jaboticabal-SP, e em área de produtor, no município de Araguari-MG, com o objetivo de verificar o potencial de crescimento vegetativo (diâmetro do caule, altura de plantas e número de folhas) de plantas de maracujá-doce (Passiflora alata Dryander), obtidas por estaquia e por semente, comparando o desenvolvimento inicial de plantas no campo. O experimento foi conduzido no período de janeiro de 2002 a fevereiro de 2003. A formação de mudas por semente foi realizada em casa de vegetação e, por estaca, em câmara de nebulização intermitente, sob condições de telado. As estacas e sementes foram coletadas de plantas adultas, oriundas do Banco de Germoplasma Ativo (BAG) do Departamento de Produção Vegetal da FCAV/UNESP. Para as estacas, utilizou-se a parte intermediária de ramos em estádio de crescimento vegetativo. As sementes, para a obtenção das plântulas, foram semeadas em bandejas plásticas. Efetuou-se o transplantio de estacas e de plântulas, para sacos de polietileno, mantido sob telado e irrigado diariamente por aspersão, para aclimatação e plantio no campo, após 60 dias. O diâmetro do caule, a altura e o número de folhas de plantas obtidas por estaca foram maiores do que nas obtidas por semente, em Jaboticabal-SP. Já em Araguari-MG, o diâmetro do caule foi maior naquelas oriundas de semente, enquanto a altura e o número de folhas foram maiores nas plantas propagadas por estacas.

Inflação e desenvolvimento econômico na América Latina: o caso do Brasil

Curso Intensivo de Treinamento em Problemas de Desenvolvimento Econômico

A experiência brasileira com instituições financeiras de desenvolvimento

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