El régimen contractual de los establecimientos de crédito de carácter estatal

Se precisa el régimen de contratación al que el Estado se sujeta al crear o autorizar la creación de un establecimiento de crédito de orden nacional. Para ello, se analizan la normatividad que los regula y algunos de sus manuales de contratación.

The distribution of debt across euro area countries : The role of individual characteristics, institutions and credit conditions. National Bank of Belgium Working Paper No. 252, December 2013

The aim of this paper is twofold. First, we present an up-to-date assessment of the differences across euro area countries in the distributions of various measures of debt conditional on household characteristics. We consider three different outcomes: the probability of holding debt, the amount of debt held and, in the case of secured debt, the interest rate paid on the main mortgage. Second, we examine the role of legal and economic institutions in accounting for these differences. We use data from the first wave of a new survey of household finances, the Household Finance and Consumption Survey, to achieve these aims. We find that the patterns of secured and unsecured debt outcomes vary markedly across countries. Among all the institutions considered, the length of asset repossession periods best accounts for the features of the distribution of secured debt. In countries with longer repossession periods, the fraction of people who borrow is smaller, the youngest group of households borrow lower amounts (conditional on borrowing), and the mortgage interest rates paid by low-income households are higher. Regulatory loan-to-value ratios, the taxation of mortgages and the prevalence of interest-only or fixed-rate mortgages deliver less robust results.

Higher order thinking in chemistry curriculum and its assessment

Higher-order thinking has featured persistently in the reform agenda for science education. The intended curriculum in various countries sets out aspirational statements for the levels of higher-order thinking to be attained by students. This study reports the extent to which chemistry examinations from four Australian states align and facilitate the intended higher-order thinking skills stipulated in curriculum documents. Through content analysis, the curriculum goals were identified for each state and compared to the nature of question items in the corresponding examinations. Categories of higher-order thinking were adapted from the OECD’s PISA Science test to analyze question items. There was considerable variation in the extent to which the examinations from the states supported the curriculum intent of developing and assessing higher-order thinking. Generally, examinations that used a marks-based system tended to emphasize lower-order thinking, with a greater distribution of marks allocated for lower-order thinking questions. Examinations associated with a criterion-referenced examination tended to award greater credit for higher-order thinking questions. The level of complexity of chemistry was another factor that limited the extent to which examination questions supported higher-order thinking. Implications from these findings are drawn for the authorities responsible for designing curriculum and assessment procedures and for teachers.

Modell zur Förderung des Wettbewerbs und der Transparenz auf dem Ratingmarkt unter Berücksichtigung der Besonderheiten der deutschen Bankenstruktur

This paper provides a model for the international market of credit ratings in order to promote transparency of rating methodologies and combat the oligopolistic market structure where Standard & Poor‘s, Moody‘s and Fitch Ratings collectively comprise approximately 85 percent of the market. For the German credit market this paper strongly advises the establishment of at least three centralistic credit rating agencies (CRAs), set up and run independently by the large bank institutions – „Großbanken“, „Sparkassen“ and „Genossenschaftsbanken“. By acting as CRAs, universal banks could not only decrease their costs but would also be able to increase competition and transparency. These new credit rating agencies would be subject to the Basel II internal ratings-based (IRB) surveillance standards that go far beyond the Basel II standard approach with its external ratings by the dominating three US-american CRAs. Due to the fact that the new Basle Accord has already been implemented in Europe, this model could be applied all over Europe and possibly even worldwide, assuming the US were to adopt the new capital adequacy rules. This would lead to an increase in the number of CRAs and hence to more competition, as the barriers to entry in the rating industry would not apply to these new institutions because of their expertise in the credit market. The fact that the IRB-criteria already have to be disclosed by law would make the methodologies transparent and subject to approval by national regulators such as the „Bundesanstalt für Finanzdienstleistungsaufsicht“ (BaFin) in Germany. Hence the requirement to set up a new monitoring committee in Europe would become obsolete.

Food Swamps, Obesity & Health Zoning Restrictions on Fast Food Restaurants

Protecting public health is the most legitimate use of zoning, and yet there is minimal progress in applying it to the obesity problem. Zoning could potentially be used to address both unhealthy and healthy food retailers, but lack of evidence regarding the impact of zoning and public opinion on zoning changes are barriers to implementing zoning restrictions on fast food on a larger scale. My dissertation addresses these gaps in our understanding of health zoning as a policy option for altering built, food environments.

Chapter 1 examines the relationship between food swamps and obesity and whether spatial mapping might be useful in identifying priority geographic areas for zoning interventions. I employ an instrumental variables (IV) strategy to correct for the endogeneity problems associated with food environments, namely that individuals may self-select into certain neighborhoods and may consider food availability in their decision process. I utilize highway exits as a source of exogenous variation .Using secondary data from the USDA Food Environment Atlas, ordinary least squares (OLS) and IV regression models were employed to analyze cross-sectional associations between local food environments and the prevalence of obesity. I find even after controlling for food desert effects, food swamps have a positive, statistically significant effect on adult obesity rates.

Chapter 2 applies theories of message framing and prospect theory to the emerging discussion around health zoning policies targeting food environments and to explore public opinion toward a list of potential zoning restrictions on fast-food restaurants (beyond moratoriums on new establishments). In order to explore causality, I employ an online survey experiment manipulating exposure to vignettes with different message frames about health zoning restrictions with two national samples of adult Americans age 18 and over (N1=2,768 and N2=3,236). The second sample oversamples Black Americans (N=1,000) and individuals with high school as their highest level of education. Respondents were randomly assigned to one of six conditions where they were primed with different message frames about the benefits of zoning restrictions on fast food retailers. Participants were then asked to indicate their support for six zoning policies on a Likert scale. Subjects also answered questions about their food store access, eating behaviors, health status and perceptions of food stores by type.

I find that a message frame about Nutrition and increasing Equity in the food system was particularly effective at increasing support for health zoning policies targeting fast food outlets across policy categories (Conditional, Youth-related, Performance and Incentive) and across racial groups. This finding is consistent with an influential environmental justice scholar’s description of “injustice frames” as effective in mobilizing supporters around environmental issues (Taylor 2000). I extend this rationale to food environment obesity prevention efforts and identify Nutrition combined with Equity frames as an arguably universal campaign strategy for bolstering public support of zoning restrictions on fast food retailers.

Bridging my findings from both Chapters 1 and 2, using food swamps as a spatial metaphor may work to identify priority areas for policy intervention, but only if there is an equitable distribution of resources and mobilization efforts to improve consumer food environments. If the structural forces which ration access to land-use planning persist (arguably including the media as gatekeepers to information and producers of message frames) disparities in obesity are likely to widen.

Micro-Foundations of Financialization. Status Anxiety and the Market for Consumer Credit in Chile

This project investigates why people in Chile acquired so much consumer debt in contexts of material prosperity, and asks what the role of inequality and commodification is in this process. The case raises an important challenge to the literature. Insofar as existing accounts assume that the financialization of consumption occurs in contexts marked by wage stagnation and a general deterioration of the middle classes, they engender two contradictory explanations: while political economists argue that people use credit in order to smooth their consumption in the face of market volatility, economists maintain that concentration of wealth at the top pushes middle income consumers to emulate the expenditures of the rich and consume beyond their means. These explanations do not necessarily fit the reality of developing countries. Triangulating in-depth interviews with middle class families, multivariate statistical analysis and secondary literature, the project shows that consumers in Chile use credit to finance “ordinary” forms of consumption that do not aim either at coping with market instability or emulating and signaling status to others. Rather, Chileans use department store credit cards in order to acquire a standard package of “inconspicuous” goods that they feel entitled to have. From this point of view, the systematic indebtedness of consumers originates in a major concern with “rank”, “achievement” and "security" that – following De Botton -- I call “status anxiety”. Status anxiety does not stem from the desire to emulate rich consumers, but from the impossibility of complying with normative expectations about what a middle class family should be (and have) that outweigh wage improvements. The project thus investigates the way in which “status anxiety” is systematically reproduced by means of two broad mechanisms that prompt people to acquire consumer debt. The first mechanism generating debt stems from an increase of real wages and high levels of inequality. It is explained by a general sociological principle known as relative deprivation, which points to the fact that general satisfaction with one´s income, possessions or status, is assessed not in absolute terms such as total income, but in relation with reference groups. In this sense, I explore the mechanisms that operate as catalyzers of relative deprivation, by making explicit social inequalities and distorting the perception of others´ wealth. Despite upward mobility and economic improvement, Chileans share the perception of “falling behind,” which materializes in an “imaginary middle class” against which people compare their status, possessions and economic independence. Finally, I show that the commodification of education, health and pension funds does not directly prompt people to acquire consumer debt, but operate as “income draining” mechanisms that demand higher shares of middle class families’ “discretionary income.” In combination with “relative deprivation,” these “income draining” mechanisms leave families with few options to perform their desired class identities, other than learning how to bring resources from the future into the present with the help of department store credit cards.

Tensions between policy and practice : reconciliation agendas in the Australian curriculum English

In various parts of the world, Indigenous and non-Indigenous peoples are actively working towards Reconciliation. In Australia, the context in which we each undertake our work as educationalists and researchers, the Reconciliation agenda has been pushed into schools and English teachers have been called on to share responsibility for facilitating the move towards a new national order. The recently introduced Australian Curriculum mandates that Aboriginal and Torres Strait Islander Histories and Cultures be embedded with “a strong” but “varying presence” into each learning area (Australian Curriculum, Assessment and Reporting Authority, 2013). In this paper we consider the tensions between policy and practice, when discourses external to education are recontextualised into the discipline of English. We do so by applying an analytical framework based on Bernstein’s (1990, 1996,2000) sociological theories about the structure of instructional and regulative discourses. Our findings suggest that the space to exert Reconciliatory agendas in the Australian Curriculum English is ambiguous and thus holds the potential to not only marginalise Indigenous knowledges but also to create tensions between policy and practice for non-Indigenous teachers of English.

Tamarind orchards: Agroforestry for dry lands

Agroforestry has a potential for sequestering as much carbon if not more than forests. Massive benefits can be channeled to small farmers and landless labourers through cultivation of Tamarind and other fast growing and fruit yielding trees. This paper describes a project started by small farmers and landless labourers in a semiarid areas of south India. The aim is to upgrade dryland holdings of the member families through economically sound dry land horticulture, community woodlots, and planting of fast growing species along orchard and field boundaries. The small farmers invest massive labour inputs and project gives economic benefits to change their land use practices and improve environmental quality. This paper describes the planning. processes of the project, hurdles in finding AIJ partners, current monitoring procedures and costs of C sequestration. This shows this project is economically viable on its own, but initially needed, and continues to need Carbon credit investment in order to spread rapidly across the geopolitical region covered by the organization. It argues that economic gains to small farmers and landless labourers are the most certain way of achieving massive biomass increase and soil carbon replenishment, and that multiple holistic benefits are achieved through this kind of project.

Organisational Self-Evaluation and Teacher Education for Community Relations in a Transforming Society?

During 2004, the School of Education at the University of Ulster embarked on an innovative three-year project designed to embed community relations objectives within initial teacher education. With the advent of more peaceful times in Northern Ireland, this was a precipitous time for initial teacher educators to review the preparation given to beginner teachers for teaching in an increasingly pluralist society emerging from conflict. The present paper reports on one very specific and time-limited element of the broader project. That is, development work designed to investigate the possibilities of using processes of self-review and evaluation as a lever for improvements in initial teacher education for community relations. Following a brief contextualisation, the background to, and the development of, a set of materials designed to support rigorous and systematic self-review of all aspects of provision in a university-based initial teacher education department is described. The Community Relations Index for Initial Teacher Education (Cr-ITE) was envisaged as being of use to initial teacher education establishments in order to help teacher educators take responsibility for rigorous learning from their practice, whilst placing inclusive values at the centre of organisational development. The final section includes further critical reflection on the role of organisational self-review in transforming teacher education for inclusion in a society emerging from longstanding communal conflict.

La supervisión de los contratos estatales en las entidades autónomas del nivel nacional de la administración pública

El documento expone el análisis de la supervisión de los contratos estatales celebrados por las entidades autónomas del orden nacional a partir del marco legislativo vigente.

La eficiencia administrativa frente a los derechos laborales adquiridos, en la escisión del instituto de seguros sociales

Antes de la expedición de la Ley 100 de 1993, el ISS prestaba los servicios de salud a los asalariados del sector privado en un monopolio que no le exigía ningún esfuerzo. El déficit acumulado por la falta de los aportes de la nación previstos en la Ley 90 de 1946 y los cambios en su naturaleza jurídica no le permitieron asumir el reto de la libre competencia de los actores dentro del sistema, por lo que su gestión fue cuestionada por los organismos de control y por varios fallos judiciales adversos que profundizaron su crisis financiera, sumado a los altos costos laborales por los beneficios de la convención colectiva de trabajo, cuyos mayores beneficiarios eran los servidores de las clínicas y CAA, llevando a la formulación del Documento Conpes 3219 del 31 de 2003 denominado “PLAN DE MODERNIZACIÓN DEL INSTITUTO DE SEGUROS SOCIALES - SALUD”, cuyo resultado fue la expedición del Decreto 1750 de junio 26 de 2003, que ordenó la escisión de la vicepresidencia prestadora de servicios de salud, clínicas y centros de atención ambulatoria (CAA) y la creación de siete empresas sociales del Estado. La escisión produjo cambios significativos en materia laboral para los servidores que hasta esa fecha laboraban en calidad de trabajadores oficiales del Instituto ya que fueron incorporados automáticamente a las plantas de personal de las nuevas empresas en calidad de empleados públicos, con excepción de los que desempeñaban cargos directivos o funciones de mantenimiento de la planta física hospitalaria y servicios generales, considerados trabajadores oficiales; cuyo régimen salarial y prestacional es el estipulado para los empleados públicos de la rama ejecutiva del orden nacional (artículos 16 y 18), lo que condujo al aparente desconocimiento de los derechos adquiridos por estos servidores en materia de negociación colectiva. El Decreto 1750 de 2003 fue demandado por vulnerar el ordenamiento superior y, en sentencias de control de constitucionalidad y desde la teoría de los derechos adquiridos, la Corte Constitucional estimó que el artículo 18 era restrictivo por hacer referencia solo a los derechos adquiridos en materia prestacional sin contemplar los relativos a materia salarial y los contenidos en convenciones colectivas de trabajo. Al existir entre el Instituto de Seguros Sociales y sus trabajadores una convención colectiva de trabajo vigente, de conformidad con las Sentencias C-314 de 2004 y C 349 de 2004, la Corte Constitucional indicó que dicha convención debía aplicarse a los servidores de las nuevas entidades por el tiempo de su vigencia.

Probabilidade de financiamento por cartões de crédito híbridos

Esta pesquisa tem o objetivo de identificar as variáveis e sua influência na propensão à aquisição de crédito pessoal, propondo um modelo estatístico de propensão ao financiamento por cartões de crédito híbridos para maximização de contratação de crédito e otimização dos esforços de marketing. O estudo descritivo pode gerar insights para a compreensão da expansão do crédito ao consumo, sobretudo num contexto de escassez de opções de financiamento e limitação no canal de distribuição. Foram usados dados de uma base de clientes de uma instituição financeira com variáveis sócio demográficas e transacionai, e o modelo matemático foi seguido da validação de sua capacidade preditiva.

Ambiente institucional no crédito rural :avanços e retrocessos

This work aims to study the institucional environment for the implementation of financing policies directed to familiar agriculture. The central hypothesis is that, although all changes occured in the credit norms, in order to reduce the existing obstacles for the access of outsiders, the same institucional arrangement remains which gave support to the modernization - crystallizer of strengthening structures of this exclusion. The most relevant pressuposition is that the poor agriculturists are the most displayed to the institucional limitations. The concepts of institucional arrangements and environments used in this work had been constructed with support of the institucional school, contemplating itself the economic dimension, the organizational sociology and political science. In the relation of the institucional changes with the state performance, the theorist reading was important that reflect on the relative autonomy of the State and studious of the Brazilian State. The empirical part consisted of a research which had been applied questionnaires with benefited and non-benefited agriculturists with PRONAF B, in thirteen cities of Rio Grande do Norte. In each city, interviews with four of its main mediators had been carried out. The research results had ratified the hypothesis of the work of that the conception of the public policies does not take in account the institution role in the behavior and the choices of the individual and collective agents, inferring itself that this policy, as others, lacks of mediation that exceed the rationality of legal landmarks

(Inter) acciones para un nuevo orden nacional : La experiencia política de San Juan a partir de la Circunscripción Militar del Oeste y el Congreso durante la "Confederación" (1855-1858)

Se propone ampliar el registro analítico sobre el proceso de conformación del sistema político e institucional de la "Confederación" (1852-1862), atendiendo a las vinculaciones entre el poder central y San Juan. Se examinan las relaciones de negociación y conflicto que entretejieron la política de San Juan entre 1855 y 1858, al calor del desarrollo de una institución estatal nacional: la Circunscripción Militar del Oeste. Se considera en forma recíproca la articulación del poder central en el espacio provincial y los clivajes y sucesos locales y regionales que se generaron en dicho devenir. Se estudia la interacción entre el Jefe de la Circunscripción Nazario Benavides, los Gobernadores de San Juan y los poderes legislativo y ejecutivo nacionales. Además, se enmarca el tema en el proceso de institucionalización política provincial, con especial interés en la sanción de la constitución sanjuanina. Para ello, se conjuga el examen de la Circunscripción con el del Congreso con sede en la ciudad capital de la Confederación (Paraná/Entre Ríos), lo que permite proyectar las escalas analíticas de observación por fuera de la geografía sanjuanina. Se aborda así al Congreso como otro sitio institucional de cristalización de los conflictos y juegos de alianzas políticas provinciales y nacionales estudiadas.

(Inter) acciones para un nuevo orden nacional : La experiencia política de San Juan a partir de la Circunscripción Militar del Oeste y el Congreso durante la "Confederación" (1855-1858)

Se propone ampliar el registro analítico sobre el proceso de conformación del sistema político e institucional de la "Confederación" (1852-1862), atendiendo a las vinculaciones entre el poder central y San Juan. Se examinan las relaciones de negociación y conflicto que entretejieron la política de San Juan entre 1855 y 1858, al calor del desarrollo de una institución estatal nacional: la Circunscripción Militar del Oeste. Se considera en forma recíproca la articulación del poder central en el espacio provincial y los clivajes y sucesos locales y regionales que se generaron en dicho devenir. Se estudia la interacción entre el Jefe de la Circunscripción Nazario Benavides, los Gobernadores de San Juan y los poderes legislativo y ejecutivo nacionales. Además, se enmarca el tema en el proceso de institucionalización política provincial, con especial interés en la sanción de la constitución sanjuanina. Para ello, se conjuga el examen de la Circunscripción con el del Congreso con sede en la ciudad capital de la Confederación (Paraná/Entre Ríos), lo que permite proyectar las escalas analíticas de observación por fuera de la geografía sanjuanina. Se aborda así al Congreso como otro sitio institucional de cristalización de los conflictos y juegos de alianzas políticas provinciales y nacionales estudiadas.