Implementação do modelo de Credit Var aplicado a uma carteira de crédito

Dissertação apresentada na Faculdade de Ciências e Tecnologia da Universidade Nova de Lisboa para obtenção do grau de Mestre em Matemática e Aplicações - Actuariado, Estatística e Investigação Operacional

Aplicación de los documentos reconocidos de evaluación de la demanda y certificación energética en España, para el diseño y análisis de tejidos urbanos : el caso de la intervención en barrios partiendo de criterios acústicos

El presente trabajo, trata del ahorro de energía en la edificación y en el urbanismo. Las premisas en este caso, son un contexto normativo europeo y nacional muy exigentes y encaminados de manera decidida hacia edificios cada vez más eficientes y económicos. Se centra el estudio en las decisiones iniciales que se adoptan sobre las condiciones de ocupación de la parcela urbana, las tipologías edificatorias más adecuadas, su morfología y escala y las consecuencias que tienen para el comportamiento energético final, tanto en términos objetivos como normativos. Se trata de cuantificar que suponen estas decisiones en términos de ahorro energético. Todo el análisis se realiza para un contexto climático concreto, el de la ciudad de Madrid. Para los análisis de las diferentes condiciones de implantación objeto del estudio, se han empleado unas herramientas informáticas singulares. Se trata de los programas de evaluación de la demanda y certificación energética de edificios, que el gobierno español pone a disposición de los usuarios de manera gratuita. Estas, son aplicaciones pensadas para la escala del edificio y/o parte de él, pero que con la metodología y simplificaciones que en el trabajo se detallan, pueden ser empleadas en la escala media de intervención urbana, tanto en nueva implantación como en rehabilitación. Hay que tener en cuenta que son estas aplicaciones las que se utilizarán en la mayoría de los casos como instrumento de evaluación y calificación del comportamiento energético de cada una de las unidades. Las tipologías objeto del estudio son: - Vivienda unifamiliar: aislada, pareada y adosada en hilera. - Bloque abierto - Bloque en H - Bloque en cruz - Torre - Manzana cerrada El contenido principal del trabajo se centra en el análisis individual de cada tipología y de su agrupación teórica sobre lo que podíamos llamar "unidad urbana", una manzana tipo de 10.000 m2, 1 ha. Se opta por esta unidad por tratarse de una superficie urbana lo suficientemente amplia para caracterizar la agrupación de las diferentes tipologías estudiadas y por adaptarse a las capacidades de las herramientas informáticas que se han utilizado. Se han analizado diferentes opciones tipológicas de ocupación, manteniendo constantes en todas las soluciones estudiadas, los siguientes parámetros: • el clima (Madrid), • la edificabilidad (en todas menos una en la que el modelo no permite alcanzar la edificabilidad de referencia), • la pureza formal del modelo, evitando los juegos compositivos de retranqueos y salientes de la envolvente que distorsionen el comportamiento de la volumetría primaria, • las soluciones constructivas de la envolvente y particiones interiores de los edificios, • las proporciones de huecos en la envolvente, • las soluciones de sus carpinterías y vidrios • y todas las condiciones operacionales que aplica el programa de simulación. Esta tesis, es un estudio analítico y evaluado, del comportamiento de cada uno de los tipos, su forma y posicionamiento en el espacio. Cada uno de los modelos se simula de manera individual y agrupados, con el fin de conseguir colmatar la edificabilidad de referencia sobre la parcela urbana de 1 ha. Todos los resultados se estudian de forma independiente y los resultados se expresan en diferentes tablas y un resumen en fichas individuales por tipos. La conclusión principal del trabajo es que la tipología elegida como contenedor residencial urbano determina en su elección acertada la primera medida de ahorro energético y reducción de emisiones cuantificables en más del 50% entre las tipologías más favorables y las más desfavorables. Una segunda parte del trabajo de investigación, consiste en la aplicación de esta metodología de simulación y empleando las mismas herramientas, en el estudio de casos reales en la comunidad de Madrid (principalmente en la ciudad de Madrid). El objetivo es validar el procedimiento y dichas herramientas, también para el caso de evaluación de tejidos urbanos consolidados. Como caso singular de estudio de rehabilitación urbana, se analizan las intervenciones de rehabilitación partiendo de criterios acústicos y las oportunidades que plantearía la inclusión de criterios térmicos aprovechando la sinergia entre ambas demandas, la de confort acústico y térmico. ABSTRACT This PhD work is about saving energy in buildings and urban planning. The premises in this case are a very demanding European and national policy, aimed decisively towards efficient and economic buildings. The study focuses on the initial decisions taken on the conditions of occupation of urban land, the most suitable building types, their morphology and scale and the implications for the final energy performance, always considering policy objectives. This essay tries to quantify how important this decisions are in energy savings terms. All analysis are performed for a particular climatic context, the city of Madrid. For the analysis of different implantation conditions under study, we have used a unique software tool. This software, a free tool available online, quantifies demand assessment and energy certification of buildings. It is designed for building scale and / or part of it. With the methodology and simplifications detailed in this paper, the software can be used in medium scale urban intervention. There are different types under study such as, isolated house, semi-detached, terraces row, open block, h block, cross block, tower, etc. The main content of the work focuses on the individual analysis of each type and its theoretical group, named urban unit group. This unit is chosen because it is an urban area large enough to characterize the grouping of the different types studied. It is also possible to simulate with the software tools. Different options of typological occupation have been analyzed taking in consideration the next parameters: climate, floor area, model formal purity, building envelope solutions and interior partitions of buildings, the proportions of voids in the facades. This thesis is an analytical and evaluated study of the behavior of each types, form and position in space. Each of the models is simulated individually and grouped, in order to get the reference buildable urban plot of 1 ha. All results are studied independently and the results are expressed in different tables and a summary in individual files by type. The main conclusion of the study is that the type chosen as urban residential container you choose determines the first step in successful energy savings and quantifiable reduction of emissions by more than 50% in the most favorable and the most unfavorable types. A second part of the research, is the application of this methodology and simulation using the same tools in the study of real cases in the community of Madrid (mainly in the city of Madrid). The aim is to validate the procedure and such tools, also for the case of evaluation of consolidated urban fabric. As a unique case study of urban renewal, rehabilitation interventions based on acoustic criteria and opportunities arise thermal criteria including leveraging the synergy between the two demands, acoustic and thermal comfort are analyzed.

La simulación de modelos.

Se describe un proceso seguido por varios grupos de alumnos de COU en una experiencia que simula una sesión de estudio, durante la cual, se necesita el uso de un determinado libro de consulta. Se decide construir un modelo de las sesiones de estudio para determinar el porcentaje de utilización del libro, el tiempo dedicado a consultar el libro y el tiempo que cada equipo espera. Así, se puede estimar el número de ejemplares necesarios para que las demoras en las consultas no sean excesivas.

Desenvolvimento e implementação de modelos para simulação de dados SNPs

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Aplicação de modelos de agentes e redes complexas na caracterização e estudo da interação entre insetos sociais, com enfoque em formigas

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

SIMPLARCOM: simulador para planejamento de redes de comunicação sem fio utilizando realidade virtual e modelos de propagação

Este simulador é formado pela junção de técnicas de Realidade Virtual com modelos de propagação, desenvolvidos através dos estudos de rádio enlace, que descrevem a perda que o sinal transmitido sofre ao longo do percurso no ambiente. O simulador possui dois módulos. O primeiro permite a criação do ambiente virtual com o posicionamento, sobre um terreno, de prédios, árvores, carros, antenas e outras primitivas que permitem a construção de um ambiente tridimensional customizável. O segundo módulo permite a configuração dos parâmetros relacionados a propagação de sinal de antenas como a potência, a frequência, o ganho, etc., e também selecionar o modelo de propagação para a execução da simulação. Dentro deste segundo módulo, existe um submódulo responsável pelo estudo do planejamento da área de cobertura composta pelas antenas, em outras palavras, este submódulo simula a distância que cada antena no cenário consegue atingir e gera a respectiva área de cobertura. Para demonstrar a eficiência do simulador foram criados dois ambientes virtuais para testes. Um cenário representando um ambiente urbano onde empregou-se um modelo de propagação clássico, Okumura-Hata para cidades pequenas e médias, e um ambiente tridimensional arborizado utilizando um modelo especifico para simulação de propagação para regiões densamente arborizadas, desenvolvido na Universidade Federal do Pará chamado de Lyra-Castro-UFPA.

Modelos lineares de sistemas elétricos de potência: um estudo comparativo

Pós-graduação em Engenharia Elétrica - FEIS

Desenvolvimento da ferramenta MS2PSOC: Tradução de modelos descritos no matlab/simulink para o ambiente psoc creator

Pós-graduação em Engenharia Elétrica - FEIS

Princípios fundamentais e modelos de transferência de energia inter e intramolecular

This work outlines the historic development of the concept and main theories of energy transfer, as well as the principal experiments carried out to confirm or refute the proposed theories. Energy transfer in coordination compounds is also discussed with a focus on rare earth systems.

Modelos de transferência de metal pesado na cana-de-açúcar adubada com composto de lixo urbano

The research approaches recycling of urban waste compost (UWC) as an alternative fertilizer for sugarcane crop and as a social and environmental solution to the solids residuals growth in urban centers. A mathematical model was used in order to know the metal dynamics as decision support tool, aiming to establish of criteria and procedures for UWC's safe use, limited by the amount of heavy metal. A compartmental model was developed from experimental data in controlled conditions and partially checked with field data. This model described the heavy metal transference in the system soil-root-aerial portion of sugarcane plants and concluded that nickel was metal to be concern, since it takes approximately three years to be attenuated in the soil, reaching the aerial portions of the plant at high concentrations. Regarding factors such as clay content, oxide level and soil pH, it was observed that for soil with higher buffering capacity, the transfer of the majority of the metals was slower. This model may become an important tool for the attainment of laws regarding the UWC use, aiming to reduce environment contamination the waste accumulation and production costs.

Modelos estatísticos indicadores de comportamentos associados a bem-estar térmico para matrizes pesadas

The study of female broiler breeders is of great importance for the country as poultry production is one of the largest export items, and Brazil is the second largest broiler meat exporter. Animal behavior is known as a response to the effect of several interaction factors among them the environment. In this way the internal housing environment is an element that gives hints regarding to the bird s thermal comfort. Female broiler breeder behavior, expresses in form of specific pattern the bird s health and welfare. This research had the objective of applying predictive statistical models through the use of simulation, presenting animal comfort scenarios facing distinct environmental conditions. The research was developed with data collected in a controlled environment using Hybro - PG® breeding submitted to distinct levels of temperature, three distinct types of standard ration and age. Descriptive and exploratory analysis were proceeded, and afterwards the modeling process using the Generalized Estimation Equation (GEE). The research allowed the development of the thermal comfort indicators by statistical model equations of predicting female broiler breeder behavior under distinct studied scenarios.

Modelos de regressão lineares para estimativa de produtividade da soja no oeste do Paraná, utilizando dados espectrais

The main objective of this work was to evaluate the linear regression between spectral response and soybean yield in regional scale. In this study were monitored 36 municipalities from the west region of the states of Parana using five images of Landsat 5/TM during 2004/05 season. The spectral response was converted in physical values, apparent and surface reflectances, by radiometric transformation and atmospheric corrections and both used to calculate NDVI and GVI vegetation indices. Those ones were compared by multiple and simple regression with government official yield values (IBGE). Diagnostic processing method to identify influents values or collinearity was applied to the data too. The results showed that the mean surface reflectance value from all images was more correlated with yield than individual dates. Further, the multiple regressions using all dates and both vegetation indices gave better results than simple regression.

Modelos organizadores do pensamento: uma perspectiva de pesquisa sobre o raciocínio moral com adolescentes autores de infração

This article has the aim to expand the perspective of research in the field of morality. We present a proposal of morality study of outlaw teenagers according to Thinking Organizer Models Theory. Through the idea of complexity we search to understand the cognitive process in the elaboration of moral reasoning inside situations of conflict. With this perspective, we developed a research that aimed to identify which organizer models were applied by 20 outlaw male teenagers who abide by social punishment to solve the hypothetical moral conflicts. Through interviews we told them a situation of moral conflict that involved friendship relation, physical aggression and steal. We could identified several models which were joined in three categories. Such models reflected the diversity and regularity that are present inside the elaborated reasoning to solve the conflicts shown by us. We conclude that the diversity of organizer models identified shows the importance of the contents in the construction of moral reasoning.

O jogo de futebol : investigação de sua estrutura, de seus modelos e da inteligencia de jogo, do ponto de vista da complexidade

Universidade Estadual de Campinas . Faculdade de Educação Física

A eficacia e a heterocronia das respostas de adaptação de basquetebolistas submetidos a diferentes modelos de estruturação da carga de treinamento e competição

Universidade Estadual de Campinas . Faculdade de Educação Física