The subject of the diploma thesis is a management claim system. The aim of this work is surveying methods works with claims and giving well-arranged and integrated/coherent view of possibilities their assurance from points of law, accounting and tax, solutions of problem minimization bad debts/uncollectible accounts, of issue of the claim´s delimitations duties and responsibility. The theoretical part of the diploma thesis has been occupied of common delimitation of claims, it means their characteristics, the rise and the valuation, classification, accounting record and inventory; the claims after time-limit, the possibilities claims assurance, the items of correction, the claim´s depreciation and their cede. The practical part of my diploma thesis is made in the Oknoplastic company Příbram. The introduction of the practical part is intented on a characterization of this company, next sections are devoted to the analysis particual claims group, which are filling by company, to their assurance, items of correction and depreciations. The practical part is finished by proposal to improve system of claims management in the Oknoplastic company s.r.o.

Submitted by Cristiano Amaral (cristiano.ab.castro@gmail.com) on 2013-03-29T12:07:34Z No. of bitstreams: 1 Dissertacao Versão Final Revisada Pós Banca.pdf: 5123662 bytes, checksum: 8f45db0b7df686fbca7c29913288d95c (MD5) / Approved for entry into archive by Suzinei Teles Garcia Garcia (suzinei.garcia@fgv.br) on 2013-04-01T13:25:15Z (GMT) No. of bitstreams: 1 Dissertacao Versão Final Revisada Pós Banca.pdf: 5123662 bytes, checksum: 8f45db0b7df686fbca7c29913288d95c (MD5) / Made available in DSpace on 2013-04-01T13:29:02Z (GMT). No. of bitstreams: 1 Dissertacao Versão Final Revisada Pós Banca.pdf: 5123662 bytes, checksum: 8f45db0b7df686fbca7c29913288d95c (MD5) Previous issue date: 2013-03-01 / The Cue Utilization Theory establishes that all products are made of multiples cues that may be seen as surrogates for the intangible attributes that make up any given product. However, the results of many years of research have yet yielded little consensus as to the impact generated by the use of such cues. This research aims to contribute to the discussion about the importance of intrinsic cues by investigating the effects that the use of product cues that confirm the product claim may have on Claim Credibility (measured through Ad Credibility), and also on consumers’ Purchase Intention and Perceived Risk toward the product. An experiment was designed to test such effects and the results suggest the effects of the use of Claim Confirming Product Cues depend on consumer’s level of awareness about such cue, and that when consumers are aware of it, Ad Credibility and Purchase Intention increase, as Perceived Risk decreases. Such results may have implications to academicians and practitioners, as well as may provide insights for future research.

Submitted by Biblioteca de Pós-Graduação em Geoquímica BGQ (bgq@ndc.uff.br) on 2017-04-12T18:34:54Z No. of bitstreams: 1 O RIO MADEIRA 9 - versão final.doc 2.pdf: 933683 bytes, checksum: 12381c9e8dd6e282c6f327a39bf73bf9 (MD5) / Made available in DSpace on 2017-04-12T18:34:54Z (GMT). No. of bitstreams: 1 O RIO MADEIRA 9 - versão final.doc 2.pdf: 933683 bytes, checksum: 12381c9e8dd6e282c6f327a39bf73bf9 (MD5) / Conselho Nacional de Desenvolvimento Científico e Tecnológico / Universidade Federal Fluminense. Instituto de Química. Programa de Pós-Graduação em Geociências- Geoquímica Ambiental. Niterói, RJ / O presente trabalho foi realizado no Rio Madeira entre a cidade de Porto Velho (RO) e o Rio Amazonas (AM), localizado na bacia Amazônica. Os resultados apresentados neste trabalho foram obtidos em duas excursões durante o período de 1997, realizado por Lacerda e colaboradores, e 2002 por UFF/UNIR, com a orientação do GPS as amostras de águas superficiais foram coletadas nos mesmos pontos estabelecidos em 1997 (Lechler et al., 2000), com o objetivo de avaliar a variação nas concentrações de mercúrio, determinar e comparar a partição entre os períodos de 1997 e 2002. a fim de verificar o efeito da diminuição do garimpo de ouro e das mudanças nos usos da terra no transporte do mercúrio ao longo do Rio Madeira, utilizando a técnica de geração de vapor frio com pré-concentração em ouro acoplado em um aparelho de espectrofotometria de fluorescência atômica TEKRAN 2500, apresentando um limite de detecção em torno de 0,1ng/L para determinação do Hg dissolvido e 0,6ng/L para o Hg total e Hg associado ao material particulado em suspensão. As concentrações de Hg dissolvido variaram de 0,44 0,83ng/L e 0,30 a 1,14ng/L, e para o Hg total de 3,03 a 49,5ng/L e 3,00 a 59,6 ng/L e para o Hg no TSS foi de 68 a 251ng/g e 9,6 a 122,1 ng/g entre os períodos de 1997 e 2002 respectivamente. As concentrações de Hg dissolvido não variaram significativamente e encontram-se dentro da faixa reportada para outros rios da Amazônia. Entretanto, ocorreram modificações significativas na distribuição do Hg associado ao material particulado em suspensão. Em 1997, as concentrações de Hg, em massa, associada ao TSS foram significativamente maiores que em 2002. Os resultados sugerem que ocorreu uma alteração na distribuição do Hg nas águas do Rio Madeira / The present work was accomplished in Rio Madeira among the city of Porto Velho (RO) and Rio Amazonas (AM), located in the Amazon basin. The results presented in this work were obtained in two trips during the period of 1997, accomplished by Lacerda and collaborators, and 2002 by UFF/UNIR, with the orientation of GPS the samples of superficial waters were collected in the same points established in 1997 (Lechler et al., 2000), with the objective of evaluating the variation in the mercury concentrations, to determine and to compare the partition among the periods of 1997 and 2002. in order to verify the effect of the decrease of the claim of gold and of the changes in the uses of the earth in the transport of the mercury along Rio Madeira, using the technique of generation of cold vapor with pré-concentration in gold coupled in an apparel of espectrofotometria of atomic fluorescência TEKRAN 2500, presenting a detection limit around 0,1ng/L for determination of dissolved Hg and 0,6ng/L for total Hg and Hg associated to the material particulado in suspension. The concentrations of dissolved Hg varied of 0,44 0,83ng/L and 0,30 to 1,14ng/L, and for total Hg of 3,03 at 49,5ng/L and 3,00 to 59,6 ng/L and for Hg in TSS went from 68 to 251ng/g and 9,6 to 122,1 ng/g among the periods of 1997 and 2002 respectively. The concentrations of dissolved Hg didn't vary significantly and they meet inside of the strip reportada for another rivers of Amazônia. However, they happened significant modifications in the distribution of Hg associated to the material particulado in suspension. In 1997, the concentrations of Hg, in mass, associated TSS were significantly larger than in 2002. The results suggest that happened an alteration in the distribution of Hg in Rio Madeira waters

Magister Scientiae - MSc / The present mini-thesis seeks to explore and investigate the mathematical theory and concepts that underpins the valuation of derivative securities, particularly European plainvanilla options. The main argument that we emphasise is that novel models of option pricing, as is suggested by Hull and White (1987) [1] and others, must account for the discrepancy observed on the implied volatility curve. To achieve this we also propose that market volatility be modeled as random or stochastic as opposed to certain standard option pricing models such as Black-Scholes, in which volatility is assumed to be constant. / South Africa

In this thesis, we consider several statistical techniques applicable to claim frequency models of an MTPL portfolio with a focus on overdispersion. The practical part of the work is focused on the application and comparison of the models on real data represented by an MTPL portfolio. The comparison is presented by the results of goodness-of-fit measures. Furthermore, the predictive power of selected models is tested for the given dataset, using the simulation method. Hence, this thesis provides a combination of the analysis of goodness-of-fit results and the predictive power of the models.

This thesis will explore how the Supreme Court of Canada understands and frames the religious ways of the Gitksan and Wet’suwet’en First Nations peoples, in the case Delgamuukw v. British Columbia (1997). The case started as a land claims case but at the Supreme Court level it became about whether Aboriginal oral knowledge could be used as historical evidence in a Canadian court of law, in particular for this dispute, as an aid for First Nations peoples to establish title to their traditional territories. The Court decided that Aboriginal oral knowledge could be used as evidence. This thesis does five things: 1. It examines some of the tools that can be used to examine and evaluate how the religious ways of Aboriginal peoples are discussed in law in Canada. Here it focuses on using a broad understanding of religion as “lived” to understand religion. It also establishes a social-scientific method of discourse analysis, drawn from a number of sources, to evaluate legal documents. 2. This thesis explores the socio-legal context in Canada in which Aboriginal peoples and their claims need to be understood. Here the presence of European and Christian views that are still present in society and social institutions in Canada and the way they affect how Aboriginal religious ways are understood is determined. The characteristics of law that make it difficult for Aboriginal claims to be understood and handled adequately in court in Canada are also investigated. 3. The third aspect that this thesis focuses on the markers of the religious ways of Aboriginal peoples in the Delgamuukw case and how are they understood in the Canadian socio-legal context. Here there is discussion of oral knowledge, land, crests, feasting and totem poles and what each might mean for the Gitksan and Wet’suwet’en peoples and how the legal system might have trouble handling them. 4. Analysis of the Delgamuukw case is the fourth part of this thesis. How the law understands and frames the religious ways of the Gitksan and Wet’suwet’en peoples in the Delgamuukw case are investigated. It is determined that the Court downplayed the religious ways of Aboriginal peoples (by “writing out”, by using vague language to refer to it or by not mentioning it at all); it did not do justice to Aboriginal beliefs by labeling oral knowledge as “sacred”; the Delgamuukw decision fell short of really treating oral knowledge as equal to other forms of historical evidence by excluding oral knowledge with religious content; legal adjudicators made pronouncements on the religious uses of land for the Gitksan and Wet’suwet’en and finally; land was quantified, regulated and title was diminished by the ability for the court to infringe on it. What these actions by the Court suggested about how it understands religion and the religious ways of Aboriginal peoples where also contemplated. It was noted that the law characterized issues and used language in particular ways to avoid discussing religion, to discount it as evidence, and used a Christian understanding of religion to comprehend Aboriginal religious ways, which did not do justice to their beliefs. 5. The last part of this thesis questions whether there other ways in which the law, and the majority of non-Aboriginal peoples in Canada, could come to better understand and handle the religious ways of Aboriginal peoples than they did in the Delgamuukw case. It determines that there are a number of indications that suggest that this is possible including, the unique historical situation of Canada, the teaching and communication skills present in many Aboriginal communities, the space opened surrounding the inclusion of oral knowledge as evidence in law, increasing dialogue with Aboriginal communities, and the current revaluation of history. Nevertheless, there is also an ambivalence on behalf of the law regarding whether or not it will go in the direction that could view Aboriginal religious ways in alternative ways which could result in a better understanding these ways on their own terms. The thesis concludes that according to analysis of the Delgamuukw case, law has difficulty understanding and handling the religious ways of Aboriginal peoples in Canada.

In recent years the popularity of Islamic insurance policies has grown rapidly with many companies across the world providing this service. London is said to be the hub for Islamic finance. It is well known for welcoming innovative financial methods. The FSA have already authorised the insurance company Salaam Halal to provide policies based on Shariah principles. The FSA, however, announced that they must operate within the same legal framework as all other insurance policies. Consequently English law has to be applied in Islamic policies taken in this country. However, in many aspects, Shariah principles contradict English insurance law. This thesis aims to discover how they contradict and recommend how the Islamic insurance policies can be applied in English law without breaking Shariah principles. As Shariah principles merely provide a wide boundary within which any law can be applied, this thesis analyses English insurance law first, and then discusses how Islamic insurance policies can operate within the English framework. In many cases, English insurance law crosses the boundary of Shairah principles due to its unfair consequences. Consequently making English insurance law fairer could be the best solution to allow the use of Islamic insurance policies under English law. Pragmatically, the thesis focuses mainly on problems within current English insurance law and recommends possible solutions. In many cases, the solutions suggested by the Law Commission are found to be incapable of establishing fairness. The majority part of this thesis is spent trying to establish a fairer framework for English insurance law. This fairer English insurance law is found to be Shariah compliant in most cases. In some cases it is not complaint due to operational differences between the two legal systems. In these cases, the thesis recommends that the Islamic insurer should incorporate certain terms to make policies Shariah compliant without breaching English insurance law.

This diploma work analyses financial situation of a company in the years 2002 - 2006 based on the choosen methods of financial analysis. The work objective is disclosure of problematic areas. There is performed the analysis of present situation of claim controlling and proposal of possible ways of improvement of claim controlling in the company.

This thesis examinate by insurance frauds in transport. The thesis is thematicly divided to main individual parts. In the first part are summarized the theoretical concepts which pursue these issues. The second part focuses on a survey among the public regarding insurance frauds. The main target of this thesis is describing the current state of trade, where the main target will suggest more advantageous and more effective solutions for business based on the detected information and then will be applied to the practice.

El Trabajo de Investigación presenta el caso de la construcción de una clínica en el norte del país, que empezó como un proyecto con un alcance definido y con un contrato a suma alzada, pero que durante la ejecución y por iniciativa del propietario se dieron tantos cambios que lo convirtieron en la práctica en un proyecto fast track con un contrato a suma alzada. Esta situación originó una serie de impactos en costo y plazo que derivaron en reclamos planteados por el contratista del orden del 10% de la venta, incluyendo los costos derivados de un posible arbitraje. Teniendo en cuenta esta experiencia, se plantea como alternativa un proceso de gestión de cambios robusto en donde se enfatiza el pleno conocimiento del alcance del proyecto y del contrato como medida de prevención que busca que el cambio planteado esté formulado de una manera clara sobre la base de los documentos del proyecto. Asimismo, para aquellos casos en los que el reclamo es inevitable se plantea también el proceso de gestión de prevención de reclamos, en donde se establecen pautas para la negociación tratando de evitar llegar a la última instancia que sería el litigio por la vía judicial. / This Research Paper presents the case of the construction of a clinic in the north of the country that began as a project with a defined scope and with a lump sum contract, but during the execution and at the initiative of the owner there were so many changes which effectively turned it into a fast track project with a lump sum contract. This situation originated a series of cost and time impacts that resulted in claims raised by the contractor of the order of 10% of the sale including the costs derived from a possible arbitration. Taking into account this experience, a robust change management process is proposed as an alternative where full knowledge of the project scope and contract are emphasized as a preventive measure that seeks the proposed change may be formulated in a clear way on the basis of the project documents. Likewise, for those cases in which the claim is unavoidable, the claims management process is also proposed, where guidelines for negotiation are established, trying to avoid reaching the last instance, which would be litigation through the courts. / Tesis