Este trabalho é uma abordagem institucional jurídica da prática social de ocupações de bens públicos valendo-se dos parâmetros da legislação pertinente e do conteúdo doutrinário correlato, em exercício de levantamento de características jurídicas comuns às práticas socialmente reconhecidas para uma generalização conceitual. Trata-se, então, da compilação de características recorrentes para a identificação e conceituação do que aparenta ser um instituto jurídico próprio de direito administrativo. Primeiramente, para retratar o fato social, propõe-se trazer ao debate breves retratos jornalísticos, os quais serão o ponto de partida para leitura do fenômeno sob o imperativo da função social da propriedade pública e o regime republicano-democrático do Estado brasileiro. Seguindo-se da análise do conteúdo legislativo correlato, analisado conforme a especialidade do regime jurídico administrativo. Finalmente, a partir das características identificadas indutivamente da doutrina e da legislação, pretendeu-se conceituar o fenômeno enquanto um instituto jurídico autônomo. / This work consists in a legal institutional approach to the social practice of occupying public properties, by using both the parameters of the relevant legislation and the content of the specific literature, in a exercise of collecting juridical features common to the socially recognized occupations forms, aiming for conceptual generalization. It is, then, the compilation of the recurring elements for identification and conceptualization of the occupying social phenomenon, understood as a autonomous legal institute of administrative law. Firstly, in order to identidy the social practice, it was proposed to bring to the debate brief journalistic reports, which will be the starting point for reading the phenomenon under the imperative parameter of the social function of public property and the brazilian republican democratic regime. Following the analysis of the related legal content, analyzed according to the specialty of the administrative law regime. Finally, from the identified characteristics, inductively from the doctrine and the legislation, it was intended to conceptualize the phenomenon as an autonomous legal institute.

The goal of this dissertation is to organize a probabilistic expert system with use of the Shell Spirit in order to evaluate the default risk of borrowers in a financial institution or minimize the risk that it represents. The study was limited to private individuals, since the variables used to analyse the risk in the concession of credit to legal entities are different, and also to the fact that this area is less explored by academics. The applied methodology was inserted in the context of a quantitative empirical research, which aimed to bring the model developed as close to reality as possible. However, in this step it was necessary to collect inside information of the institution used to study, referring to risk analysis, credit policies, profile of borrowers, and also to extract knowledge from the experts with the purpose of selecting the relevant variables for the system and to make the interaction of these when composing rules along with the definition of their weights. Consecutive to the conclusion of the model, tests occurred with some favorable situations and/or unfavorable to the granting of credit, considering that in this phase were instantiated the pertinent variables to each situation at hand. The main idea of the system is to manage and reduce the credit risk of bank institutions, for SPIRIT, an expert system is able to work with uncertainties and manipulates data, being fed with information that indicates the no default probability. The results obtained with the tests were satisfactory as they were able to identify the probability of a borrower turn out to be a no default or minimize the risk, even before the credit was released. / O objetivo desta dissertação é estruturar um sistema especialista probabilístico com utilização da Shell Spirit para avaliar o risco de inadimplência de tomadores de crédito em uma instituição financeira ou de reduzir o risco que ele representa. O estudo foi limitado a pessoas físicas, uma vez que, as variáveis utilizadas para a análise de risco na concessão de créditos se diferem das pessoas jurídicas e, também, pelo fato de esta ser uma área menos explorada pelos acadêmicos. A metodologia aplicada foi inserida no contexto de uma pesquisa empírica quantitativa, na qual se buscou aproximar o máximo possível o modelo elaborado à realidade. Contudo, nesta etapa foi necessário coletar informações internas da instituição utilizada para o estudo, referentes à análise de riscos, políticas de crédito, perfis de tomadores, bem como extrair conhecimentos de especialistas com a finalidade de selecionar as variáveis relevantes para o sistema e de fazer a interação destas ao compor regras juntamente com a definição dos seus pesos. Consecutivo à conclusão do modelo, ocorreram testes de algumas situações favoráveis e/ou desfavoráveis a concessão de créditos, considerando que nesta fase foram instanciadas as variáveis pertinentes a cada situação em questão. O sistema é capaz de gerenciar e reduzir os riscos de crédito de instituição bancária, pois o SPIRIT trabalha com incertezas e manipula dados, sendo alimentado com informações que indiquem a probabilidade de inadimplência não . Os resultados obtidos com os testes foram satisfatórios à medida que estes possibilitaram identificar a probabilidade de um tomador de crédito vir a torna-se um não inadimplente ou de reduzir o risco, antes mesmo da liberação do crédito.

Private Equity har länge utgjort ett attraktivt tillgångsslag på grund av dess höga riskjusterade avkastning. Den historiskt höga avkastningen i kombination med dagens låga räntor och starka kapitalmarknad har bidragit till ett växande intresse för tillgångsslaget, däribland hos privatpersoner. Syftet med arbetet var att kartlägga den svenska Private Equity-marknaden och privatpersoners möjlighet till exponering mot tillgångsslaget, genom att undersöka för- och nackdelar för företag att ha med privatpersoner som investerare samt för- och nackdelar för privatpersoner att exponeras mot Private Equity. För att fastställa respektive för- och nackdelar applicerades en kvalitativ forskningsmetod bestående av semistrukturerade intervjuer med nyckelpersoner inom området.  Av studiens resultat framgick det att främst kapitalstarka privatpersoner som anses som professionella eller semi-professionella investerare har möjlighet att investera direkt i Private Equity. Det framgick även att möjligheten för mindre kapitalstarka individer att investera i tillgångsslaget är begränsad, främst på grund av lagstiftningen och högt satta lägsta investeringsgränser. Utefter studiens resultat och analys kunde slutsatsen dras att det föreligger flertalet tydliga för- och nackdelar med att ha med privatpersoner som investerare och för privatpersoner att investera i tillgångsslaget. Att ha med privatpersoner som investerare kan bidra med fördelar i form av att de kan bidra med kunskap, kompetens, erfarenhet och affärsmöjligheter. Privatpersoner utgör även en intressant källa till kapital för Private Equity-fonder och företag. Privatpersoners delaktighet innebär även nackdelar. Privatpersoner som investerare medför stora administrationskrav, en möjlig operationell risk samt utgör en osäker källa till kapital. En ytterligare nackdel med att ha med privatpersoner som investerare, sett till att enbart ha institutionella investerare, är att det kräver fler investerare för att uppnå samma nivå av kapital. Fördelarna för privatpersoner att investera i Private Equity är främst att tillgångsslaget bidrar till hög avkastning och diversifiering. Vidare kunde slutsatsen dras att investering i tillgångsslaget innebär en inlåsningseffekt som förhindrar irrationella beslut och bidrar följaktligen till högre avkastning. Nackdelarna för privatpersoner vid investering i Private Equity kunde fastställas till mindre likviditet, brist på transparens och höga förvaltningsavgifter. Komplexitet hos tillgångsslaget och individens generella kunskapsbrist påvisades även vara nackdelar som bidrar till lägre lönsamhet. / Over the past decades Private Equity has been an attractive asset class due to its high risk-adjusted return. The historically high return in combination with today's low interest rates and strong capital markets has contributed to increased interest for the asset class, including among private individuals. This study was set out to identify the Swedish Private Equity market and private individuals' access to the asset class by examining the advantages and disadvantages for companies to have private individuals as investors and the advantages and disadvantages for private individuals to be exposed to Private Equity. To determine the advantages and disadvantages, a qualitative research method was applied in which semi-structured interviews were conducted with key people within the field. The results of the study showed that mainly high-net-worth individuals who can be considered as professional or semi-professional investors have the opportunity to invest in Private Equity. It also emerged that the opportunity for less wealthy individuals to invest in Private Equity is limited, mainly due to the legislation and high minimum investment limits. From the study it could be concluded that there are several clear advantages and disadvantages with both having private individuals as investors as well as for private individuals to invest in the asset class. Having private individuals as investors can contribute with benefits in the form of knowledge, competence, experience and business opportunities. Private individuals also constitute an interesting source of capital for Private Equity funds and companies. The main disadvantages, with having private individuals as investors, concluded from the study was that their participation places great demand on administration, may pose an operational risk and that they compose an uncertain source of capital. A further disadvantage with having private individuals as investors, compared to having only institutional investors, is that a larger number of investors is needed to raise the capital that the funds require. The main advantages for private individuals to invest in Private Equity, concluded from the study, are the high returns and contribution to diversification. Furthermore, it could be concluded that investing in the asset class has a lock-in effect that prevents individuals from making irrational decisions, which in turn contributes to a higher return. The disadvantages of investing in the asset class are concluded to be less liquidity, the lack of transparency and high management fees. The complexity of the asset class and individuals general lack of knowledge are also shown to be a disadvantage that contributes to lower profitability.

Trata-se de estudo de Direito Constitucional acerca dos direitos fundamentais. Inicialmente estudam-se os conceitos de direito subjetivo e de direito fundamental, elencandose as suas assim chamadas “gerações”. Após, enfrenta-se a construção doutrinária dos “deveres de proteção” dos direitos fundamentais. De mão desses conhecimentos, volta-se o foco, na segunda parte, para a teoria da “eficácia contra particulares” dos direitos fundamentais. Inicialmente, ubica-se-a no fenômeno maior da “Constitucionalização do Direito Privado”. Após, enunciam-se as teorias contrapostas que se construíram para a explicação dessa “eficácia contra particulares”, apresentando-se solução de conciliação. Aborda-se também particularidade processual atinente à divisão de competências dos tribunais de Brasília (STF e STJ) para aplicação da “eficácia contra particulares”. Conclui-se, finalmente, sobre possibilidade de superação dos riscos que os detratores dessa teoria levantam, contanto que respeitados determinados marcos teóricos. / This is a study on Constitutional Law about fundamental rights. First are focused the concepts of subjectiv right, fundamental rights, and its “generations”. Afterwards the attention shifts to the “duty of protection” of the fundamental rights. In the second part, the doctrine of the “effect of fundamental rights against private individuals” and the opposing theories about it are researched, with the proposal of a conciliatory solution. Then, the particular division of judiciary competences in Brasilia (between STJ and STF) to enforce that doctrine is targeted. Finally, the study concludes in favour of the possibility of avoiding the risks presented by the enemmies of that doctrine, if some theoretical marks are respected.

Trata-se de estudo de Direito Constitucional acerca dos direitos fundamentais. Inicialmente estudam-se os conceitos de direito subjetivo e de direito fundamental, elencandose as suas assim chamadas “gerações”. Após, enfrenta-se a construção doutrinária dos “deveres de proteção” dos direitos fundamentais. De mão desses conhecimentos, volta-se o foco, na segunda parte, para a teoria da “eficácia contra particulares” dos direitos fundamentais. Inicialmente, ubica-se-a no fenômeno maior da “Constitucionalização do Direito Privado”. Após, enunciam-se as teorias contrapostas que se construíram para a explicação dessa “eficácia contra particulares”, apresentando-se solução de conciliação. Aborda-se também particularidade processual atinente à divisão de competências dos tribunais de Brasília (STF e STJ) para aplicação da “eficácia contra particulares”. Conclui-se, finalmente, sobre possibilidade de superação dos riscos que os detratores dessa teoria levantam, contanto que respeitados determinados marcos teóricos. / This is a study on Constitutional Law about fundamental rights. First are focused the concepts of subjectiv right, fundamental rights, and its “generations”. Afterwards the attention shifts to the “duty of protection” of the fundamental rights. In the second part, the doctrine of the “effect of fundamental rights against private individuals” and the opposing theories about it are researched, with the proposal of a conciliatory solution. Then, the particular division of judiciary competences in Brasilia (between STJ and STF) to enforce that doctrine is targeted. Finally, the study concludes in favour of the possibility of avoiding the risks presented by the enemmies of that doctrine, if some theoretical marks are respected.

Trata-se de estudo de Direito Constitucional acerca dos direitos fundamentais. Inicialmente estudam-se os conceitos de direito subjetivo e de direito fundamental, elencandose as suas assim chamadas “gerações”. Após, enfrenta-se a construção doutrinária dos “deveres de proteção” dos direitos fundamentais. De mão desses conhecimentos, volta-se o foco, na segunda parte, para a teoria da “eficácia contra particulares” dos direitos fundamentais. Inicialmente, ubica-se-a no fenômeno maior da “Constitucionalização do Direito Privado”. Após, enunciam-se as teorias contrapostas que se construíram para a explicação dessa “eficácia contra particulares”, apresentando-se solução de conciliação. Aborda-se também particularidade processual atinente à divisão de competências dos tribunais de Brasília (STF e STJ) para aplicação da “eficácia contra particulares”. Conclui-se, finalmente, sobre possibilidade de superação dos riscos que os detratores dessa teoria levantam, contanto que respeitados determinados marcos teóricos. / This is a study on Constitutional Law about fundamental rights. First are focused the concepts of subjectiv right, fundamental rights, and its “generations”. Afterwards the attention shifts to the “duty of protection” of the fundamental rights. In the second part, the doctrine of the “effect of fundamental rights against private individuals” and the opposing theories about it are researched, with the proposal of a conciliatory solution. Then, the particular division of judiciary competences in Brasilia (between STJ and STF) to enforce that doctrine is targeted. Finally, the study concludes in favour of the possibility of avoiding the risks presented by the enemmies of that doctrine, if some theoretical marks are respected.

In Ancient Egypt, names were very important, in this life and the next. Gods had a multitude of names, and kings were usually given five names, but also private individuals could have several names, given at birth or later. One of these names was called rn nfr (the good name), and it was especially prevalent during the Old Kingdom. The term rn nfr slowly disappeared during the First Intermediate Period and the Middle Kingdom, but reappeared during the Late Period.The characteristics of all occurrences that could be found of rn nfr from the Old Kingdom and the First Intermediate Period and the Middle Kingdom were studied and compared to the occurrences of rn nfr in the Late Period. They were also compared to the first names of the individuals who wore these rn nfr.The results of this investigation show that there are great differences between the earlier periods and the Late Period, especially in that the names of gods and kings are often prevalent in the rather long rn nfr of the Late Period, possibly used for official and religious purposes. The rn nfr of earlier periods are often short names, which people were probably called, on an everyday basis. They sometimes constitute abbreviations of first names, with phonological changes taking place, in the majority of cases only consisting of three consonants without any apparent meaning, perhaps used from a very early age, and in a few cases taking on the characteristics of true nicknames.

Syfte: Syftet med uppsatsen är att identifiera vad som påverkar privatpersoners risktolerans och vilka informationskällor som används i samband med aktieinvesteringar. Studien ska även undersöka vilken syn privatpersoner har på ägarstruktur i börsnoterade bolag och huruvida ägarstrukturen påverkar investeringsbeslutet. Utifrån detta vill författarna skapa teoretisk och empirisk kunskap. Metod: Studien genomfördes med hjälp av flermetodsforskning. Detta skedde genom att både kvalitativ och kvantitativ metod användes för att samla in empiri. Den kvalitativa metoden användes för att samla in empiri genom semistrukturerade intervjuer med analytiker, privatrådgivare och aktiemäklare. Den kvantitativa metoden användes för att samla in empiri, detta gjordes med hjälp av en enkätstudie med slutna frågor som besvarades av privatpersoner som har intresse för aktiehandel. Författarna valde att göra en flermetodsforskning då en kombination ibland föreslås med anledning av att metoderna kan fungera som stöd eller komplement till varandra. Även slutsatserna kan få stöd genom att metodernas svagheter och styrkor kan komplettera varandra (Jacobsen, 2002). Uppsatsens undersökningsdesign var fallstudie och författarnas valda fall var privatpersoners aktieinvesteringar. Slutsats: Författarna av denna studie har kommit fram till att ålder och kön är två variabler som påverkar privatpersoners risktolerans. Resultatet visar att män tar mer risker än kvinnor i samband med aktiehandel och med åldern ökar riskbenägenheten. Detta överensstämmer med tidigare forskares resultat. Resultatet tyder på att aktieforum är den informationskälla som används i högst grad bland privatpersoner medan privatrådgivare var det alternativ som fick lägst antal svar. Resultaten tyder även på att de flesta personer som deltagit i denna studie beaktar ägarstrukturen när de står inför ett investeringsbeslut. Författarna kan dra slutsatsen att ägarstrukturen till viss del påverkar hur privatpersoner tar sina beslut. Liknande resultat framkom gällande om ett företag är familjeägt. Resultaten visar också att en stor del privatpersoner ser positivt på koncentrerat ägande. De tre ord som flest privatpersoner kännetecknar med familjeföretag är engagerade, hårt arbetande och ansvarfulla. Resultatet av studien visade även att majoriteten av respondenterna ansåg att familjeföretag varken är bättre eller sämre än icke familjeägda bolag. / Purpose: The purpose of this thesis is to identify factors influencing individual risk attitude as well as evaluating data collection methods utilized by individuals in connection with stock investments. Additionally, this study examines individual perception of differences in ownership structure in Swedish listed companies and its impact on the investment decision. Method: In this study both qualitative and quantitative methods are utilized. The qualitative data was collected by performing semi-structured interviews with analysts, advisors and stock brokers. Quantitative data was collected using a closed question survey answered by individual investors. The reason for the use of a multi-method experimental design is based on the fact that the two different methods can serve as support separately, as well as complementation to each other. Although the findings can be supported by the methods' weaknesses and strengths and complement each other (Jacobsen, 2002). The study is based on a case study with focus on individuals sharing investments. Conclusion: This study concludes age and gender to be two variables affecting how likely individuals are to take risks in relation to investment decisions. Empirical result implies that men takes more risks than women when trading stocks. Additionally, the inclination for risk increases with age. These findings are also supported by previous studies. The results indicate that financial internet forums are the most frequently used method among individuals to collect financial information. Financial advisors were on the other hand the least used source of information. The majority of participants in this study takes the ownership structure of a company into account when facing an investment decision. The authors concluded that ownership partially influences how individuals make their decisions. The results also shown that a large portion of individuals welcomes a concentrated ownership structure, i.e. family business. Three words that most individuals characterizes the family business with are dedicated, hardworking and responsible. The results of the study also revealed that the majority of respondents felt that the family business is neither better nor worse than non-family businesses.