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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
351

Uma contribui????o ao estudo da implanta????o do modelo de gest??o baseada em valor : estudo de caso em uma empresa multinacional do segmento de alimenta????o

Silva, Fabio Monterazo 25 April 2005 (has links)
Made available in DSpace on 2015-12-04T11:45:23Z (GMT). No. of bitstreams: 1 Fabio_Monterazo_Silva.pdf: 3083442 bytes, checksum: 5eb6989f45a1f782d1dce2a9f17ce457 (MD5) Previous issue date: 2005-04-25 / The present work deals with the model of Value Based Management (VBM), by means of a bibliographical research, objectifying the specific theoretical revision on the subject and of the main related factors the VBM, and complemented for a study of case in a multinational company, of the branch of foodservices, that use diverse concepts of the VBM in its Model of Management. The main objective of this dissertation was to make a comparative analysis enters current practical of management of the company the object of the case study, with the deriving concepts of the VBM. The work counted on an internal research (Questionnaire), collects of data by means of opened interviews, of little duration, aiming at to get the maximum of information of the company, document collection and direct comment. Having as main conclusions of the work, the evidence that current the practical ones of management of the company are lined up to the concepts of the VBM, according to perception of the managers and by means of a critical analysis of current the practical ones of management of the company. / O presente trabalho trata do modelo de Gest??o Baseada em Valor (GBV), por meio de uma pesquisa bibliogr??fica, objetivando a revis??o te??rica espec??fica sobre o tema e sobre os principais fatores relacionados ?? GBV, complementado por um estudo de caso em uma empresa multinacional do ramo de servi??os de alimenta????o, que utiliza diversos conceitos da GBV no seu Modelo de Gest??o. O objetivo principal desta disserta????o foi fazer uma an??lise comparativa entre as atuais pr??ticas de gest??o da empresa objeto do estudo de caso, com os conceitos oriundos da GBV. O trabalho contou com uma pesquisa interna (question??rio); coleta de dados por meio de entrevistas abertas, de pouca dura????o, visando obter o m??ximo de informa????o da empresa; coleta de documentos e observa????o direta, tendo, como principais conclus??es do trabalho, a constata????o de que as atuais pr??ticas de gest??o da empresa est??o alinhadas aos conceitos da GBV, segundo a percep????o dos gestores e por meio de uma an??lise cr??tica das atuais pr??ticas de gest??o da empresa.
352

Contribui????o ao estudo de utilidade do Balanced Scorecard : um estudo de caso de uma empresa sider??rgica e metal??rgica operando no Brasil

Giuntini, Norberto 03 June 2003 (has links)
Made available in DSpace on 2015-12-04T11:45:28Z (GMT). No. of bitstreams: 1 Norberto_Giuntini.pdf: 3415741 bytes, checksum: 72c67797a89f14a5fc368022990ed41b (MD5) Previous issue date: 2003-06-03 / In 1990, Robert S. Kaplan and David P. Norton developed in United States of America, a new system as support for decision 1, denominated Balanced Scorecard. Even supposing it is not an innovation once it is based on knowledge and principles enclosed in theories previously developed, the Balanced Scorecard has organized some of these theoretical principles, having as objective a "Control Panel" construction to manager the Companies strategy by monitoring financial results, through performance operational indicators that influence these results, growing the analysis capability and organizational knowledge. The published books and articles about Balanced Scorecard2, simplify the methodology description for its implementation and relate some of success cases occurred in companies from United States of America. The Balanced Scorecard is coming to an experimental phase in order to verify its principles and concepts adherence. Many companies operating in Brazil are implanting and implementing it, without divulgating the facilities and difficulties to align the management practices to the strategy and budget, premise that constitute the differentiation for the system to support decision. With these circumstances, the objective for this work is to contribute with the scientific research, presenting the practical experience of one company in activity in the country, by the theoretical principles of Balanced Scorecard applied, divulgating the results obtained and if the company had to recover to improvisation and adaptation to fit the situation not contemplated in Kaplan and Norton methodology developed. The research was made by bibliographical study and empirical research, in order to transmit the concepts that fundaments the Balanced Scorecard utilization, such as not mystify the facility proclaimed from its authors, from a field research done in Alcoa. The research was done based in two questionnaires, and one was constituted of 70 "opened" questions, applied in the Quality Manager, responsible to implanting and implementing the Balanced Scorecard in the company. The second questionnaire was constituted by 21 questions, tabulated in a scale like Likert, with eight levels, and it was applied in managers and users departments of Balanced Scorecard. Even though the Balance Scorecard theory establish facilities for its omplntation and implementation, the work hypothesis was confirmed, the implementation to the referred system needs adjustments and adaptations. These adjustment and adaptations are related to the people initiaves who are in the different hierarchical level to decide and the operate the actions to strategy and acquire knowledge to innovate the way of making the tasks. Other important factor is the difficult to measure objectively the strategy, throughout indicators inter-relation that mean the relation for cause and effect for these actions and iniciatives. Despite of adjustments and adaptations presented all long way, the Balanced Scorecard, constitute a recent tool, presenting evolution level, by the experiences acquired in companies that are adopting it. Even though presents difficulties in its implementation, the Balanced Scorecard represent a system for support decision to create and develop strategy management, doing its theoretic and practical principles an approach so actual related to the necessities established by the best practices to be observed in the Global World and in the Manager Accountancy / No ano de 1990, Robert S. Kaplan e David P. Norton desenvolveram, nos Estados Unidos da Am??rica, um sistema de suporte ?? decis??o, denominado Balanced Scorecard. Muito embora n??o seja inovador, por utilizar conhecimentos e princ??pios contidos em teorias desenvolvidas anteriormente, o Balanced Scorecard organizou alguns desses princ??pios te??ricos, tendo como objetivo a constru????o de um "painel de controle" para gerenciar a estrat??gia da empresa, monitorando os resultados financeiros, atrav??s do desempenho de indicadores operacionais que influenciam esses resultados, aumentando a capacidade de an??lise e aprendizado organizacional. Os livros e artigos sobre o Balanced Scorecard publicados simplificam a descri????o metodol??gica de sua implementa????o e relatam somente os casos de sucesso ocorridos em empresas estabelecidas nos Estados Unidos da Am??rica. O Balanced Scorecard est?? passando por uma fase experimental para a verifica????o da ader??ncia dos seus princ??pios e conceitos. V??rias empresas operando no Brasil est??o implantando-o e implementando-o, n??o divulgando as facilidades e dificuldades para alinhar as pr??ticas gerenciais ?? estrat??gia e ao or??amento, premissas que constituem diferenciais do referido sistema de suporte ?? decis??o. Diante de tais circunst??ncias, este trabalho, tem como objetivo contribuir com a pesquisa cient??fica, apresentando uma experi??ncia pr??tica de uma empresa em atividade no pa??s, quanto ?? aplica????o dos princ??pios te??ricos do Balanced Scorecard, divulgando os resultados obtidos e se a empresa teve que recorrer a improvisa????es ou adapta????es para fazer frente a situa????es n??o contempladas na metodologia desenvolvida por Kaplan & Norton. A pesquisa foi efetuada por meio de estudo bibliogr??fico e pesquisa emp??rica, procurando transmitir os conceitos que fundamentam a utiliza????o do Balanced Scorecard, bem como desmistificar a facilidade apregoada por seus autores, a partir de pesquisa de campo efetuada na unidade Po??os de Caldas da Alcoa. A pesquisa foi efetuada utilizando-se de dois question??rios, o primeiro constitu??do de 70 perguntas "abertas", aplicado na Gerencia de Qualidade, respons??vel pela implanta????o e implementa????o do Balanced Scorecard na empresa. O segundo question??rio, constitu??do de 21 perguntas, tabuladas numa escala tipo Likert, com oito n??veis, foi aplicado nas ger??ncias e departamentos usu??rias do Balanced Scorecard. Embora a teoria do Balanced Scorecard estabele??a facilidades para a sua implanta????o e implementa????o, a hip??tese do trabalho foi confirmada, na medida que a implementa????o do referido sistema de suporte ?? decis??o necessita de ajustes e adapta????es. Estes ajustes e adapta????es est??o relacionados ?? cultura, cren??as e valores, administra????o dos recursos dispon??veis e das iniciativas das pessoas que atuam nos diferentes n??veis hier??rquicos para decidir e operacionalizar as a????es voltadas ?? estrat??gia e adquirir o conhecimento para inovar a forma de fazer as tarefas. Outro fator importante consiste na dificuldade de se mensurar objetivamente a estrat??gia, atrav??s da inter-rela????o de indicadores que traduzam numa rela????o de causa e efeito essas a????es e iniciativas. Apesar dos ajustes e adapta????es apresentadas ao longo do trabalho, o Balanced Scorecard, constitui-se numa ferramenta recente, apresentando est??gio de evolu????o, em fun????o das experi??ncias adquiridas pelas organiza????es que o est??o utilizando. Embora apresente dificuldades na sua implementa????o, o Balanced Scorecard representa um sistema de suporte ?? decis??o para criar e desenvolver a gest??o estrat??gica, fazendo dos seus princ??pios te??ricos e pr??ticos, uma abordagem bastante atual relacionada ??s necessidades estabelecidas pela melhores pr??ticas a serem observadas no mundo globalizado e pela contabilidade gerencial.
353

Avalia????o da subsidi??rias estrangeiras em empreendimentos multinacionais: um estudo de caso

Meloni, Samantha 08 May 2006 (has links)
Made available in DSpace on 2015-12-04T11:45:30Z (GMT). No. of bitstreams: 1 Samantha_Meloni.pdf: 921381 bytes, checksum: cff854c44bdaed4049f619c8d456f829 (MD5) Previous issue date: 2006-05-08 / The increase of multinational companies has brought many challenges for the Accounting. For example, this type of enterprise - cross-border - demands over and over accounting information for the management decision, especially in the performance evaluation of the foreign subsidiaries. In order to analyze performance evaluation of their subsidiaries, headquarters, most of the time, define an accounting standard to be used. The foreign subsidiaries managers' adaptation on accounting standards of the headquarters country may generate discontent about performance evaluation. With this, this dissertation has the objective, according managers' perception, to analyze the factors that impact performance evaluation of foreign subsidiaries by headquarters in a multinational enterprise. The research was done through surveys sent to 28 subsidiaries, beyond the headquarters, in order to analyze the perception of the managers about performance evaluation. Some variables were related to the factors in order to conciliate the perception of the managers with characteristics of their country. Results evidenced that the perception of the managers in the currency translation variable is related to the inflation of the country, or either, how much bigger the inflation of the country, worst satisfaction managers will have. In contrast of this, the perception of the managers did not present relation with the exchange of the country. The perception of the managers about the economic scenario could not be related of any analyzed factors, such as the GIP, external investments, exportations and importations. About the criteria of recognition and measurement of the fixed and intangible assets, the perception of the managers could be related to the local minimum value for recognition, therefore the adjustments change the result of the subsidiaries. And, finally, the perception of the managers about tax variable could be related to the tax burden of the country. In general, the countries that have strong influence of the fiscal accounting in the financial accounting could felt wronged, because they would be more distant of the accounting practices followed by the headquarters / The increase of multinational companies has brought many challenges for the Accounting. For example, this type of enterprise - cross-border - demands over and over accounting information for the management decision, especially in the performance evaluation of the foreign subsidiaries. In order to analyze performance evaluation of their subsidiaries, headquarters, most of the time, define an accounting standard to be used. The foreign subsidiaries managers' adaptation on accounting standards of the headquarters country may generate discontent about performance evaluation. With this, this dissertation has the objective, according managers' perception, to analyze the factors that impact performance evaluation of foreign subsidiaries by headquarters in a multinational enterprise. The research was done through surveys sent to 28 subsidiaries, beyond the headquarters, in order to analyze the perception of the managers about performance evaluation. Some variables were related to the factors in order to conciliate the perception of the managers with characteristics of their country. Results evidenced that the perception of the managers in the currency translation variable is related to the inflation of the country, or either, how much bigger the inflation of the country, worst satisfaction managers will have. In contrast of this, the perception of the managers did not present relation with the exchange of the country. The perception of the managers about the economic scenario could not be related of any analyzed factors, such as the GIP, external investments, exportations and importations. About the criteria of recognition and measurement of the fixed and intangible assets, the perception of the managers could be related to the local minimum value for recognition, therefore the adjustments change the result of the subsidiaries. And, finally, the perception of the managers about tax variable could be related to the tax burden of the country. In general, the countries that have strong influence of the fiscal accounting in the financial accounting could felt wronged, because they would be more distant of the accounting practices followed by the headquarters. / O aumento de companhias multinacionais tem trazido muitos desafios para a Contabilidade. Por exemplo, esse tipo de empreendimento - cross-border - exige cada vez mais informa????es cont??beis para a tomada de decis??o, especialmente no que concerne ?? avalia????o de desempenho das subsidi??rias no exterior. Para analisar o desempenho de suas subsidi??rias, a matriz, na maioria das vezes, define uma norma cont??bil a ser utilizada. As adapta????es dos gestores das subsidi??rias estrangeiras ??s pr??ticas cont??beis do pa??s da matriz podem gerar insatisfa????o quanto ?? avalia????o de desempenho. Esta disserta????o tem o objetivo de analisar, do ponto de vista de percep????o dos gestores, os fatores que impactam a an??lise de desempenho de subsidi??rias estrangeiras pela matriz em um determinado empreendimento multinacional. A pesquisa foi realizada por meio de question??rios enviados a 28 subsidi??rias, al??m da matriz, com o intuito de analisar a percep????o dos gestores quanto ?? avalia????o de desempenho. Algumas vari??veis foram relacionadas a fatores na busca de conciliar a percep????o dos gestores com caracter??sticas do pa??s em que se situam. Os resultados evidenciaram que a percep????o dos gestores da vari??vel tradu????o da moeda est?? relacionada ?? infla????o do pa??s, ou seja, quanto maior a infla????o do pa??s, maior a insatisfa????o dos gestores. De forma oposta, a percep????o dos gestores n??o apresentou rela????o com o c??mbio do pa??s. A percep????o dos gestores quanto ao cen??rio econ??mico n??o p??de ser relacionada a nenhum dos fatores analisados, tais como PIB, investimentos externos, exporta????es e importa????es. Quanto aos crit??rios de reconhecimento e mensura????o dos ativos fixos e intang??veis, a percep????o dos gestores pode estar relacionada ao valor m??nimo local para reconhecimento, pois os ajustes impactam o resultado das subsidi??rias. E, por ??ltimo, a percep????o dos gestores quanto ?? vari??vel impostos pode estar relacionada ?? carga tribut??ria do pa??s. De maneira geral, os pa??ses que possuem forte influ??ncia da contabilidade fiscal na contabilidade financeira poderiam se sentir prejudicados, pois estariam mais distantes das pr??ticas cont??beis seguidas pela matriz.
354

A vis??o financeira do retorno do investimento aplicada aos projetos de a????o de otimiza????o da tecnologia da exce????o quantificada

Melle, Airton 16 October 2002 (has links)
Made available in DSpace on 2015-12-04T11:45:33Z (GMT). No. of bitstreams: 1 Airton_Melle.pdf: 692834 bytes, checksum: 2cdfd3fe93afdd6c0b1eec8ce63ec781 (MD5) Previous issue date: 2002-10-16 / The aim of this work is to contribute to improvement of decision-making to managers on feasibility study of Optimization Action, through the Quantitative Exception Technology and Investment Appraisal. The need to make decisions is an ever-present part of business life. Investment decisions are important to the future of organisations: their success can so often depend on the allocation of long-term capital resources. We show de methodology to estimate the return on investment, to decision-making in conditions of risk and the Quantitative Exception Technology, like tools to management for the future of business. A conceptual model was proposed, with application of the methods of Net Present Value, Internal Rate of Return and Modified Internal Rate of Return on feasibility studies on Optmization Action, in direction to achieve Critical Success Factors. / Esta disserta????o tem o objetivo de contribuir para melhorar o desempenho dos gestores na tomada de decis??o sobre Projetos de A????o de Otimiza????o, atrav??s da utiliza????o conjunta da Tecnologia da Exce????o Quantificada e da Metodologia de Retorno de Investimentos. A necessidade de tomar decis??es ?? parte sempre presente no mundo dos neg??cios. Decis??es de investimentos s??o importantes para o futuro das organiza????es: seu sucesso depende freq??entemente da aloca????o de recursos de capital a longo prazo. Apresentamos as metodologias para c??lculo de retorno de investimentos, para an??lise de risco e aplica????o da Tecnologia da Exce????o Quantificada, como instrumentos de administra????o elirecionados para o futuro dos neg??cios. Desenvolvemos um modelo conceitual, onde aplicamos os m??todos do Valor Presente Liquido, da Taxa Interna de Retorno e da Taxa Interna de Retorno Modificada, sobre projetos de A????o de Otimiza????o, visando os objetivos estabelecidos como Fatores Cr??ticos de Sucesso.
355

A aplica????o do modelo de decis??o da gest??o econ??mica ??s decis??es de investimento e manuten????o de um sistema de gest??o - ERP

Giacomazi, Luiz Cezar 18 July 2005 (has links)
Made available in DSpace on 2015-12-04T11:45:34Z (GMT). No. of bitstreams: 1 Luiz_Cezar_Giacomazi.pdf: 758571 bytes, checksum: 9355d11a442ffb455b8780ced40d55a6 (MD5) Previous issue date: 2005-07-18 / The continuously growing volume of resources invested in technology and, mainly, on ERP calls management software, has brought companies towards a step of making decisions in order to evaluate the results and benefits that are targeted and expected with the deployment of such solutions. With such objective, improvements on processes for measuring and evaluating the investments made to the implementation of these systems have been growing, most of the times influenced by the demands of managers and stockholders. In order to have the decision-making processes better performed the use of financial and economic managerial methods are part of the distinct solutions eligible. This paper has the main goal of collaborating in this sense and, by applying an economic standpoint, most precisely focusing the concepts of the economic management of assets, in order to bring a fruitful contribution to turn these companies able to obtain reliable information for making decisions, during the whole process, related to investments on ERP management software. Another objective of this project is to evaluate how the companies that utilize ERP systems assess the benefits and required investments for deploying the system, and this assessment is made through an empiric research, based on other researches, equally important, performed in the USA during 2002. The research has the objective of raising three points of major relevance, these being related to the demands that currently arise in the companies regarding these same investments - which decision-making groups are part of the approval processes of ERP systems' investments and which are the technicalities utilized by the companies to evaluate the return of investments (ROI) of such systems. The method utilized to perform this job was accomplished through an empiric and bibliographic research, which has allowed the theoretic fundamentals of the collected data, and the sampling of an example utilizing the financial management of fixed assets as a way of evaluating the investment options. Through the answers obtained with this research, as well as from the example, it was possible to verify that the companies, in general, although they use some evaluation methods, are not feeling comfortable with the results obtained, neither with the evaluation methods, which vary from company to company. There is also a certain fear regarding the information provided by the companies that provide ERP software related to the ROI amount that is calculated; that all exemplifies that there is still a wide field of action to be improved in terms of investments evaluation and ERP systems' maintenance. / O crescente volume de recursos investidos em tecnologia e, principalmente, em software de gest??o chamado ERP, tem feito com que as empresas passem a tomar a????es no sentido de avaliar os resultados e benef??cios pretendidos e esperados com essas solu????es. Com esse objetivo, a melhoria nos processos de mensura????o e avalia????o de investimentos desses sistemas tem crescido muitas vezes influenciadas pelas exig??ncias dos gestores e acionistas. Para que os processos de tomada de decis??o, possam ser mais bem desempenhados, as utiliza????es de m??todos financeiros e de gest??o econ??mica fazem parte do arcabou??o de solu????es poss??veis de utiliza????o. Este trabalho tem como principal meta colaborar nesse sentido, e ?? luz da gest??o econ??mica, mais precisamente dos conceitos de gest??o econ??mica para ativos fixos, trazer uma contribui????o para que as empresas possam obter informa????es confi??veis para a tomada de decis??es, durante todo o processo, de investimento em software de gest??o - ERP. Outro objetivo do projeto ?? avaliar como empresas que utilizam os sistemas ERP avaliam os benef??cios e investimentos necess??rios para a utiliza????o do sistema, sendo esta avalia????o feita a partir de uma pesquisa emp??rica, baseada em uma outra pesquisa, de igual import??ncia, realizada nos Estados Unidos em 2002. A pesquisa tem como objetivo levantar tr??s pontos de maior relev??ncia, sendo esses, relativos as exig??ncias existentes nas empresas com rela????o a esses investimentos, quais os grupos decis??rios est??o envolvidos nos processos de aprova????o de investimentos de sistemas ERP e quais as t??cnicas utilizadas pelas empresas para avaliar o retorno de investimentos nesses sistemas. O m??todo utilizado para a realiza????o do trabalho foi atrav??s de uma pesquisa emp??rica e bibliogr??fica, que possibilitou a fundamenta????o te??rica dos dados colhidos, e a exposi????o de um exemplo com a utiliza????o da gest??o econ??mica de ativos fixos como forma de avalia????o das op????es de investimento. Atrav??s das respostas obtidas com a pesquisa bem como do exemplo, foi poss??vel verificar que as empresas de uma forma geral apesar de utilizarem m??todos de avalia????o, n??o se sentem confort??veis com os resultados obtidos, bem como os m??todos utilizados que variam de empresa para empresa. Existe um receio com rela????o ??s informa????es fornecidas pelas empresas fornecedoras de software de gest??o ERP, com rela????o aos retornos de investimento calculados pelas mesmas, isto tudo, demonstra que ainda se tem um campo grande a ser melhorado em termos de avalia????o de investimentos e manuten????o de sistemas ERP.
356

Proposta de um modelo de Credit Scoring para uma carteira de cr??dito consignado visando a????es de Cross-Sell.

OLIVEIRA, Marcos Santos 28 September 2016 (has links)
Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-12-12T17:27:40Z No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2016-12-12T17:27:40Z (GMT). No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-09-28 / This work has the objective to analyze the efficiency of the credit scoring model in cross-selling action to provide greater profitability aligned with the risk of new product. This study differs from others by using a database of clients who Payroll-linked loan from the conventional modeling of a Credit Scoring offer another product, the credit card that requires a better profile for meeting payments. The study resulted in 3 of profitability and performance scenarios. In Scenario 1 without use of shoring showed profitability of R$ 0.5 million and delinquencies of 16.1%. In the others scenarios with the use of the yields scores exceeded R$ 2.3 million and delinquencies below 9%. Scenarios 2 and 3 with just score Bureau companies. Scenario 4 includes Credit scoring model developed in this work, we showed the best discrimination between good and bad customers and the highest rate of approval, 75% against 64% of the best Bureau. For this, we used data provided by a financial institution. Using SPSS and statistical techniques, the risk analysis Relative, construction of dummies and Spearman correlation analysis, generated the model Logistic Regression Binary, validated with the Kolmogorov-Smirnov test, the ROC curve and others. The model developed credit scoring showed good results as to their power of customer classification. The effectiveness of Logistic Regression as credit performance prediction tool enables the application of the use of credit scoring model by the financial institution provider of data to improve profitability and default of the customer portfolio by credit card coming from the customer base of payroll loan. / Este trabalho tem o objetivo de analisar a efici??ncia do modelo de credit scoring na a????o de cross-selling para proporcionar uma maior rentabilidade alinhada ao risco do novo produto. A realiza????o deste estudo se diferencia dos demais por utilizar uma base de dados com clientes que realizaram empr??stimo Consignado, a partir da modelagem convencional de um Credit Scoring ofertar outro produto, o Cart??o de Cr??dito que exige um melhor perfil para cumprimento dos pagamentos. O estudo resultou em 3 cen??rios de rentabilidade e desempenho. No Cen??rio 1 sem uso do escoramento apresentou rentabilidade de R$ 0,5 milh??es e inadimpl??ncia de 16,1%. Nos demais cen??rios com uso de escores as rentabilidades ultrapassaram R$ 2,3 milh??es e inadimpl??ncias abaixo de 9%. Os Cen??rios 2 e 3 apenas com escore de empresas Bureau. O Cen??rio 4 inclui o modelo Cr??dit Scoring desenvolvido neste trabalho, apresentou a melhor discrimina????o entre clientes bons e maus e a maior taxa de aprova????o, sendo 75% contra 64% do melhor Bureau. Para isso, utilizou-se de dados fornecido por uma institui????o financeira. Utilizando o SPSS e t??cnicas estat??sticas, a an??lise de Risco Relativo, constru????o de dummies e a an??lise de correla????o de Spearman, foi gerado o modelo de Regress??o Log??stica Bin??ria, validado com o teste Kolmogorov-Smirnov, a Curva ROC e outros. O modelo de Credit Scoring desenvolvido apresentou resultados satisfat??rios quanto a seu poder de classifica????o dos clientes. A efic??cia da Regress??o Log??stica, como ferramenta de predi????o de performance de cr??dito, habilita a aplica????o da utiliza????o do modelo Credit Scoring pela institui????o financeira provedora dos dados para melhorar a rentabilidade e a inadimpl??ncia da carteira de clientes com Cart??o de Cr??dito oriundo da carteira de clientes do empr??stimo Consignado.
357

Escala diagnostica adaptativa operacionalizada redefinida: precis?o e validade com pessoas idosas / Escala Diagn?stica Adaptativa Operacionalizada-Redefinida: reliability and validity for elderly people

Rocha, Glaucia Mitsuko Ataka da 18 December 2002 (has links)
Made available in DSpace on 2016-04-04T18:27:35Z (GMT). No. of bitstreams: 1 GLAUCIA MITSUKO ROCHA.pdf: 493337 bytes, checksum: 75d110b5c61b2396ceab94011e243e75 (MD5) Previous issue date: 2002-12-18 / Considering the evidence of reliability and validity of the Escala Diagn?stica Adaptativa Operacionalizada-Redefinida (EDAO-R) when applied to adults, and the necessity to expand the range of tools and procedures available for the assessment of the elderly people, the main goal of this study is to estimate EDAO-R s reliability and convergent validity applied to the elderly people. Ss were 80 older persons (60 years old or more), of both genders (85% of women), who attend to third age groups. The majority (66,25%) was in the young-old group (60-69 years old), was either married (42,5%) or widowed (40%), having son (83,75%), catholic (75%), retired (61,25%), with many different professions, living in their own home (83,75%), alone (28,75%) or with husband / wife (27,5%), and of middle class (61,3%). EDAO-R is a clinical assessment, and then the reliability was taken from an interrater coefficient (Cohen s kappa) between two independent judges. The convergent validity was taken across assessment instruments, Ferrans and Power s Quality of Life Index (IQV) and the Geriatric Depression Scale (GDS-15), as external criterion. The results showed statistically significant interaction, taken through the Spearman s correlation test, between EDAO-R and age (rs= -0,261, p<0,01) and, through the Contingency test between EDAO-R and the person s occupational conditions (C=0,468, p<0,05). The sample tended to the best adaptive levels when assessment through EDAO-R, as to the best scores when assessment through IQV and GDS-15. The reliability for the adaptive efficacy was ? =0,503. When analyzed by EDAO-R s sectors, the Affective-Relational had k=0,551; Productivity had k=0,459; Organic had k=0,612 and the Social-Cultural had k=0,650, which are considered from fair to good. Statistically significant interactions were observed through Spearman s correlation test, between EDAO-R and IQV (rs=-0,449, p<0,01) and between EDAO-R and GDS-15 (rs=0,397, p<0,01). The results are discussed considering the socio-demographic profile of the sample, and indicate that EDAO-R is a reliable and valid measure of the adaptive efficacy when applied to the elderly people who attend to third age groups. Besides that, considering the used operational assessment categories, it s possible to obtain good agreement scores between independent judges. / Considerando as evid?ncias de precis?o e validade da Escala Diagn?stica Adaptativa Operacionalizada-Redefinida (EDAO-R) quando aplicada a adultos e a necessidade de se ampliar o leque de instrumentos e procedimentos dispon?veis para a avalia??o da pessoa idosa, este estudo teve como objetivos estimar a precis?o e a validade convergente da EDAO-R, aplicada a pessoas idosas. Foram avaliadas 80 pessoas, com 60 anos ou mais de idade, de ambos os sexos, predominantemente mulheres (85%), freq?entadoras de grupos da terceira idade, com idades entre 60 e 69 anos (66,25%), casadas (42,5%) ou vi?vas (40%), tendo filhos (83,75%), de religi?o cat?lica (75%), aposentadas (61,25%), com profiss?es diversificadas, residindo em moradia pr?pria (83,75%), sozinhas (28,75%) ou com o c?njuge (27,5%), e de classe m?dia (61,3%). Por se tratar de avalia??o cl?nica, a precis?o foi estimada atrav?s de coeficiente de acordo (kappa de Cohen) entre dois ju?zes independentes. A validade convergente foi estimada utilizando-se o ?ndice de Qualidade de Vida (IQV), de Ferrans e Powers c a Geriatric Depression Scale (GDS-15), como crit?rios externos. Obteve-se associa??es estatisticamente significantes, atrav?s do teste de correla??o de Spearman, entre a EDAO-R e idade (rs= -0,261, p<0,01) e, atrav?s do teste de Conting?ncia, entre a EDAO-R e a condi??o ocupacional da pessoa (C=0,468, p<0,05). A amostra tendeu aos melhores n?veis adaptativos, quando avaliada pela EDAO-R, assim como aos melhores escores, quando avaliada pelo IQV e pela GDS-15. O coeficiente de precis?o obtido para a efic?cia adaptativa geral foi te=0,503. Avaliada por setores, o Afetivo- Relacional obteve k=0,551; o da Produtividade, te=0,459; o Org?nico, k=0,612 e o S?cio-Cultural k=0,650, coeficientes considerados de moderados a bons. Foram observadas associa??es estatisticamente significantes, atrav?s do teste de correla??o de Spearman, entre a EDAO-R e o IQV (rs=-0,449, p<0,01 e entre a EDAO-R e a GDS-15 (rs=0,397, p<0,01). Os resultados s?o discutidos em fun??o do perfil s?cio-demogr?fico da amostra e indicam que a EDAO-R ? uma medida precisa e v?lida da efic?cia adaptativa quando aplicada a pessoas idosas que freq?entam atividades em grupos da terceira idade. Al?m, disto, em fun??o da boa operacionaliza??o das categorias de avalia??o, ? poss?vel obter-se bons ?ndices de acordo entre avaliadores independentes.
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Question?rio de Relacionamento Central (CRQ): evid?ncias de validade em pacientes card?acos / Central Relationship Questionnaire (CRQ): evidences of validity in cardiac patients sample

Sanches, Fabr?cia Medeiros 27 February 2009 (has links)
Made available in DSpace on 2016-04-04T18:27:48Z (GMT). No. of bitstreams: 1 Fabricia Medeiros Sanches.pdf: 436028 bytes, checksum: 8c7d688676aa4a702ade87e22bd12392 (MD5) Previous issue date: 2009-02-27 / The Central Relationship Questionnaire-CRQ is a self-report instrument designed to evaluate the central relationship patterns, specially related to the lovers relationship. As the Core Conflictual Relationship Them- CCRT the CRQ is divided in three subscales: Wishes (W); Responses from Other (RO), and Responses of Self (RS). The aim of this study was to investigate the internal consistency and the convergent and discriminant validities of the Brazilian version of the CRQc6.0 in coronary patients. Method: The Sample included 40 coronary patients (1G) and 30 people of the community (2G). When compared to the 2G participants of 1G were older (average age 58 vs. 37 years old), predominantly composed by men (65% vs. 43,3%), with lower scholarship level (65% - less of 5 years vs. 47% - complete high school). Instruments: The CRQ 6.0 and the Escala de Sintomas Psicopatol?gicos- EAS-40, a measure of psychopathological symptoms according to the following dimensions: psychoticism (F1), obsessivity-compulsivity(F2), somatization (F3) and anxiety (F4).Results: Results suggested: good internal consistency of CRQ 6.0 (?>0,80) in both groups excepting to RO (?=0,58) in 1G; no significant association between the CRQ 6.0 dimensions and the EAS-40 dimensions in 1G p>0,05); significant association between RO and psychoticism, and between RE and psychoticism, RE and obsessivity-compulsivity; RE and somatization and RE and EAS-total (p<0,01). The discriminant validity analyses between the 1G and 2G pointed to significant differences to the W (p=0,018) and RE (p=0,026) dimensions. Future researches should involve more representative and paired samples. It is still suggested that measures of levels of alexithymia and depression are evaluated. / O Question?rio de Relacionamento Central (CRQ) ? um instrumento de autorelato para avaliar o padr?o central de relacionamentos, mais precisamente os relacionamentos amorosos. Originado do m?todo do Tema Central de Relacionamento Conflituoso-CCRT, ? dividido em tr?s subescalas: Desejos (D), Respostas do Outro (RO) e Respostas do Eu (RE). O objetivo foi o de investigar a consist?ncia interna, validade convergente e discriminante da vers?o brasileira do CRQ em pacientes coronarianos. A amostra incluiu 40 pacientes com Doen?a Arterial Coronariana, constituintes do Grupo Um (G1) e 30 acompanhantes do Grupo Dois (G2). Comparado os dois grupos, GC tinha idade m?dia mais elevada (idade m?dia 58 vs.37anos), predomin?ncia do sexo masculino (65% vs. 43,3%) e n?vel mais baixo de escolaridade (62% menor que cinco anos vs. 47% segundo grau completo). Instrumentos: CRQ 6.0 e Escala de Sintomas Psicopatol?gicos-EAS-40 que avalia sintomas psicopatol?gicos segundo as dimens?es: psicoticismo (F1), obsessividade-compulsividade (F2), somatiza??o (F3) e ansiedade (F4). Resultados: Todas as dimens?es do CRQ apresentaram boa consist?ncia interna (?>0,80) em ambos os grupos, com exce??o de RO (?=0,58) no G1. N?o foram encontradas associa??es significantes entre as dimens?es do CRQ 6.0 e as da EAS-40 no G1. No G2 as associa??es foram significantes entre RO e psicoticismo e entre RE e psicoticismo, obsessividade compulsividade e somatiza??o e EAS-40 total (p<0,01). A an?lise de validade discriminante entre G1 e G2 resultou em diferen?as significantes nas dimens?es D (p=0,018) e RE (p=0,026). Pesquisas futuras com o CRQ 6.0 e pacientes com DAC, devem contar com amostras maiores e pareadas. Sugerem-se, ainda, avalia??es dos n?veis de alexitimia e depress?o.
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Modelo dos Ciclos Terap?uticos TCM: adapta??o para o atendimento de adolescentes em conflito com a lei / The Therapeutic Cycles Model / TCM for adolescents in conflict with the law

Khater, Eduardo 02 December 2009 (has links)
Made available in DSpace on 2016-04-04T18:27:50Z (GMT). No. of bitstreams: 1 Eduardo Khater.pdf: 8953557 bytes, checksum: f52ad4244c6717438f8099cc6c2fe482 (MD5) Previous issue date: 2009-12-02 / The Therapeutic Cycles Model or TCM (Mergenthaler, 1996) is a method of texts analysis by computer that identifies the key-moments in the speech of a patient, the therapist, or both of them interacting. Due to the specific characteristics of communication among adolescents in conflict with the law, concerning the use of slang expressions and unusual verbal sentences; an adaptation of the narrative styles dictionary which is being developed for the Portuguese language is required to use this instrument with this public. Aim - To develop a customized dictionary for TCM to adolescents assisted by a community educational program in Campinas, Brazil. Methods - The same process that has already been applied to develop other standardized dictionaries was adopted: 1. Emotion-abstraction lists of words will be compiled from transcripts of interviews with teenagers and the rap lyrics of songs; 2. The lists of words were classified according to the following categories: positive emotion (1); negative emotion (2); abstraction (3); both, positive and abstraction (4); both, negative and abstraction (5). Four judges assed independently the words in question and reached a degree of agreement among j them. Results: The results suggest that the standard dictionary of the program is able to identify important emotional themes, but the development of custom dictionaries is a relevant contribution to the identification of clinically significant moments of the speech of adolescents in conflict with the law. / O Modelo de Ciclos Terap?uticos ou TCM ? um m?todo de an?lise de textos por computador que identifica os momentos-chave no discurso de um paciente, terapeuta, ou de ambos em intera??o. As an?lises s?o feitas com o aux?lio de um software (CM), que disp?e de listas de palavras com tom emocional e de abstra??es e que permitem a leitura do texto quanto a duas categorias: conte?do emocional e cognitivo do discurso do paciente. Devido ?s caracter?sticas espec?ficas de comunica??o entre os adolescentes em conflito com a lei, referente ao uso de g?rias e express?es verbais incomuns, uma adapta??o do dicion?rio de estilos narrativos que est? sendo desenvolvido para o Portugu?s mostrou-se necess?ria para a utiliza??o v?lida deste instrumento com este estrato da popula??o. O objetivo da pesquisa foi o de desenvolver um dicion?rio para aplica??o do TCM em adolescentes atendidos pelo Programa de medidas s?cio educativas de Presta??o de Servi?os ? Comunidade (PSC). Para tanto, foi utilizado o mesmo processo j? aplicado para desenvolver outros dicion?rios. Listas de palavras relacionadas ? emo??o / abstra??o foram compiladas a partir de transcri??es de cinco entrevistas com adolescentes que cumpriam medida s?cio-educativa de PSC e de letras de m?sica de RAP (Rhythm And Poetry). As listas foram classificadas de acordo com as seguintes categorias: emo??es positivas (1); emo??es negativas (2); abstra??o (3); ambos, emo??es positivas e abstra??o (4); ambos, emo??es negativas e abstra??o (5). As avalia??es foram feitas de maneira consensual por dois ju?zes. Os resultados sugerem que o dicion?rio padr?o do programa ? capaz de identificar temas importantes do ponto de vista emocional, contudo o desenvolvimento dos dicion?rios customizados constitui uma contribui??o relevante para a identifica??o de momentos clinicamente significativos do discurso de adolescentes em conflito com a lei.
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Avalia??o de mudan?a em mulheres v?timas de viol?ncia / Evaluation of change in women who are victim of violence

Guzzon, Juliana Tavares 22 February 2011 (has links)
Made available in DSpace on 2016-04-04T18:27:56Z (GMT). No. of bitstreams: 1 Juliana Tavares Guzzon.pdf: 1553774 bytes, checksum: 7018a9210b3d18b53715613ea49ac9d5 (MD5) Previous issue date: 2011-02-22 / Pontif?cia Universidade Cat?lica de Campinas / According to World Health Organization, violence is a global problem that affects families of all cultures, ethnicities, politics, economics and political regimes. Women victims of violence are assisted by different institutions with different types of intervention: legal, psychological, social and / or medical. However, the quality and extent of changes that is presented, as a result of assistance provided, are not always recognized. The aim of this study was to evaluate the psychological aspects of women who are victim of violence in relation to the changing stage, the quality of adaptive effectiveness and severity of psychopathological symptoms in women victims of violence before being assisted by SOS Action Woman and Family and compare them to those women who have already been assisted by the institution. Methodologically the study used a randomized cross-sectional type, which is based on a comparison between two groups at different stages of a developmental process. The sample comprised of Group G1 (pre-assistance) with nine women in the initial phase of treatment, average age = 36.7, DP = 8.68, and a Group G2 (pos assistance) of nine women who had already completed treatment, average age=41, DP=11.28. They were evaluated individually with the rating scale of symptoms - EAS-40, Stage of Change Scale - EEM and Operational Adaptive Diagnostic Scale Redefined - EDAO-R. All were victims of repeated physical and psychological aggression, on average 11 years ago, perpetrated by intimate partners. Both groups were in the stages of change Pre-contemplation (lack of awareness of the problem and motivation to face it) and contemplation (acknowledges the problem but has no motivation to face it) according to the EEM. Psychopathological symptoms assessed with the EAS-40 had remained high even after the treatments. The participants of the Group post-assistance displayed adaptation between effective and moderately ineffective, while among the group of pre-assistance predominated severe or serious adaptations. The participants arrived at the institution with multiple impairments, in a confused mental state, not knowing what to do or whom to call, besides feeling skeptical of any possible treatment. The severity of the conflicts they face suggests the need for weekly psychological treatment for the long term (estimated at a minimum of one year) in order to restore self-esteem, self-confidence and overcoming profound cultural values which prevents them from overcoming the condition of victimization to which they are subjected to. / De acordo com a Organiza??o Mundial da Sa?de, a viol?ncia ? um problema mundial que afeta fam?lias de todas as culturas, etnias, pol?ticas econ?micas e regimes pol?ticos. Mulheres v?timas de viol?ncia s?o assistidas por diferentes institui??es com diferentes tipos de interven??o: jur?dica, psicol?gica, social e/ou m?dica. No entanto, a qualidade e extens?o das mudan?as que apresentam, em decorr?ncia do aux?lio prestado, nem sempre s?o conhecidas. O objetivo do presente estudo foi o de avaliar aspectos psicol?gicos de mulheres v?timas de viol?ncia no que diz respeito ao est?gio de mudan?a, a qualidade da efic?cia adaptativa e a severidade dos sintomas psicopatol?gicos em mulheres v?timas de viol?ncia antes de serem assistidas pelo SOS A??o Mulher e Fam?lia e compar?-los com os de mulheres que j? foram assistidas pela institui??o. Metodologicamente o estudo utilizou de delineamento do tipo Cross-Sectional, que se baseia na compara??o entre dois grupos em est?gios diferentes de um processo desenvolvimental. A amostra foi composta por um Grupo G1(pr?-assist?ncia) com nove mulheres em fase inicial de atendimento, idade m?dia=36,7 e DP=8,68; e um Grupo G2 (p?s-assist?ncia) de nove mulheres que j? haviam conclu?do atendimento, idade m?dia=41 e DP=11,28. Foram avaliadas individualmente com a Escala de Avalia??o de Sintomas EAS-40, Escala de Est?gio de Mudan?a - EEM e Escala Diagn?stica Adaptativa Operacionalizada Redefinida EDAO-R. Todas eram v?timas de agress?es f?sicas e psicol?gicas recorrentes, em m?dia h? 11 anos, perpetrada por parceiro ?ntimo. Ambos os grupos encontravam-se nos est?gios de mudan?a pr?-contempla??o (aus?ncia de consci?ncia do problema e de motiva??o para enfrent?-lo) e contempla??o (reconhece o problema, mas sem motiva??o para enfrent?-lo) de acordo com a EEM. Os sintomas psicopatol?gicos avaliados com a EAS-40 mantinham-se elevados mesmo ap?s os atendimentos. As participantes do Grupo p?s-assist?ncia apresentavam adapta??o entre eficaz e ineficaz moderada, enquanto que entre as do Grupo pr?-assist?ncia predominaram adapta??es ineficazes severa ou grave. As participantes chegam ? institui??o com v?rios comprometimentos, com confus?o de pensamento, sem saber o que fazer e a quem recorrer, al?m de se sentirem descrentes de algum tratamento poss?vel. A severidade dos conflitos que enfrentam sugere a necessidade de atendimentos psicol?gicos semanais de longo prazo (estima-se um m?nimo de um ano) para que possam recuperar a auto-estima, auto-confian?a e superar valores culturais profundamente arraigados, que as impedem de superar a condi??o de vitimiza??o ? que est?o sujeitas.

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