Made available in DSpace on 2016-03-15T19:32:56Z (GMT). No. of bitstreams: 1 Ernani Possato dos Santosprot.pdf: 2286270 bytes, checksum: 96bb14c147c5baa96f3ae6ca868056d6 (MD5) Previous issue date: 2015-08-14 / The credit claims to be one of the most important tools to trigger and move the economic wheel. Once it is well used it will bring benefits on a large scale to society; although if it is used without any balance it might bring loss to the banks, companies, to governments and also to the population. In relation to this context it becomes fundamental to evaluate models of credit capable of anticipating processses of default with an adequate degree of accuracy so as to avoid or at least to reduce the risk of credit. This study also aims to evaluate three credit risk models, being two parametric models, discriminating analysis and logistic regression, and one non-parametric, decision tree, aiming to check the accuracy of them, before and after the segmentation of such sample through the criteria of costumer s size. This research relates to an applied study about Industry BASE. / O crédito se configura em uma das mais importantes ferramentas para alavancar negócios e girar a roda da economia. Se bem utilizado, trará benefícios em larga escala à sociedade, porém, se utilizado sem equilíbrio, poderá trazer prejuízos, também em larga escala, a bancos, a empresas, aos governos e aos cidadãos. Em função deste contexto, é precípuo avaliar modelos de crédito capazes de prever, com grau adequado de acurácia, processos de default, a fim de se evitar ou, pelo menos, reduzir o risco de crédito. Este estudo tem como finalidade avaliar três modelos de análise do risco de crédito, sendo dois modelos paramétricos, análise discriminante e regressão logística, e um não-paramétrico, árvore de decisão, em que se avaliou a acurácia destes modelos, antes e após a segmentação da amostra desta pesquisa por meio do critério de porte dos clientes. Esta pesquisa se refere a um estudo aplicado sobre a Indústria BASE.

Educators in many disciplines are too often forced to rely on intuition about how students learn and the effectiveness of teaching to guide changes and improvements to their curricula. In computer science, systems that perform automated collection and assessment of programming assignments are seeing increased adoption, and these systems generate a great deal of meaningful intermediate data and statistics during the grading process. Continuous collection of these data and long-term retention of collected data present educators with a new resource to assess both learning (how well students understand a topic or how they behave on assignments) and teaching (how effective a response, intervention, or assessment instrument was in evaluating knowledge or changing behavior), by basing their decisions on evidence rather than intuition. It is only possible to achieve these goals, however, if such data are easily accessible. I present an infrastructure that has been added to one such automated grading system, Web-CAT, in order to facilitate routine data collection and access while requiring very little added effort by instructors. Using this infrastructure, I present three case studies that serve as representative examples of educational questions that can be explored thoroughly using pre-existing data from required student work. The first case study examines student time management habits and finds that students perform better when they start earlier but that offering extra credit for finishing earlier did not encourage them to do so. The second case study evaluates a tool used to improve student understanding of manual memory management and finds that students made fewer errors when using the tool. The third case study evaluates the reference tests used to grade student code on a selected assignment and confirms that the tests are a suitable instrument for assessing student ability. In each case study, I use a data-driven, evidence-based approach spanning multiple semesters and students, allowing me to answer each question in greater detail than was possible using previous methods and giving me significantly increased confidence in my conclusions. / Ph. D.

Wavelength-discriminating systems typically consist of heavy benchtop-based instruments, comprising diffractive optics, moving parts, and adjacent detectors. For simple wavelength measurements, such as lab-on-chip light source calibration or laser wavelength tracking, which do not require polychromatic analysis and cannot handle bulky spectroscopy instruments, lightweight, easy-to-process, and flexible single-pixel devices are attracting increasing attention. Here, a device is proposed for monotonously transforming wavelength information into the time domain with room-temperature phosphorescence at the heart of its functionality, which demonstrates a resolution down to 1 nm and below. It is solution-processed from a single host–guest system comprising organic room-temperature phosphors and colloidal quantum dots. The share of excited triplet states within the photoluminescent layer is dependent on the excitation wavelength and determines the afterglow intensity of the film, which is tracked by a simple photodetector. Finally, an all-organic thin-film wavelength sensor and two applications are demonstrated where this novel measurement concept successfully replaces a full spectrometer.