Made available in DSpace on 2014-12-17T14:34:39Z (GMT). No. of bitstreams: 1 HolandaGA_DISSERT.pdf: 4497929 bytes, checksum: eedce2b2b6ca0bd1adad00d5a32f2d36 (MD5) Previous issue date: 2010-03-30 / Cooperativa dos Trabalhadores Aut?nomos / Broadly anchored on Institutionalist literature this dissertation seeks to answer: Why rural credit granted to farming families in Rio Grande do Norte, Pronaf group B, has shown positive results in some territories while in others the same results are insatisfactory? Considering formal rules are the same, then why such results are so distinguished? This research supports the fact that these results are a direct consequence of the quality of institutions defined as longstanding social rules established and built in social interactions. For institutions one understands; organizational structures, formal and non-formal rules, social trust, thinking behaviors and its evolution as well as routines. Using Pronaf Rural Credit as a background this study measures and compares results obtained in the rural areas of Serid?, Sert?o do Apodi, Mato Grande, Ass?-Mossor?, Trairi, Potengi and Alto Oeste. The dimensions of measurement considered were: economics, social and guarantee of transparency. The study considers a sample of 402 Group B farming families. It also elaborates a socio-economic profile of these families in the considered areas and underlines the main causes for defaulted loans, difficulties to improve family income and results of access to Pronaf B credit line, as well as it proposes solutions to surpass obstacles to improve the efficiency of this credit line / A partir de ampla revis?o da literatura institucionalista, o trabalho procura responder as perguntas de pesquisa: Por que o cr?dito rural Pronaf grupo B apresenta bons resultados junto aos agricultores familiares em alguns territ?rios rurais do Rio Grande do Norte e em outros n?o? As regras formais s?o iguais, ent?o por que os resultados s?o diferentes? A pesquisa sustenta que esses resultados derivam da qualidade das institui??es, definidas como sistemas duradouros de regras sociais estabelecidas e embutidas que estruturam as intera??es sociais. Estruturas organizacionais, regras formais e informais, confian?a social, h?bitos de pensamento e sua evolu??o, rotinas s?o todas institui??o. Tendo como pano de fundo o cr?dito rural Pronaf, a disserta??o avalia e compara os resultados do Pronaf B nos territ?rios rurais Serid?, Sert?o do Apodi, Mato Grande, Ass?-Mossor?, Trair?, Potengi e Alto Oeste, atrav?s de indicadores referentes ?s dimens?es - econ?mica, garantia de transpar?ncia e social -, elaboradas a partir de uma amostra de 402 agricultores familiares do grupo B. Por sua vez, tra?a o perfil socioecon?mico desses agricultores no conjunto desses territ?rios rurais. Al?m disso, o estudo aponta as principais causas da inadimpl?ncia, dificuldades para melhorar a renda e resultados do acesso ao cr?dito. Finalmente, com base na an?lise do cr?dito Pronaf B, a pesquisa apresenta propostas para superar obst?culos para melhorar a efici?ncia dessa linha de cr?dito

Made available in DSpace on 2015-02-24T17:22:21Z (GMT). No. of bitstreams: 1 AllenCA_DISSERT.pdf: 704885 bytes, checksum: b460e059328d12364055a35ae4455473 (MD5) Previous issue date: 2011-07-14 / This study consists of a study on the presence of relationship between social capital and solidarity groups to endorse the Center for Support to Small Businesses - CEAPE - PI, the capital was measured by confidence levels and associations, considering trust as the expectations want, and learned associations between people and how the interactions among members within a group and between groups. The central research question seeks to identify whether there are linkages between the levels of social capital and the profile of members of the solidarity group CEAPE-PI. The overall objective is to analyze the level of social capital and whether these vary with the change in the profile of the solidarity group members. The method adopted in perspective cross-examined the level of social capital found in 300 of solidarity group members, collected through a survey research related to the profile of the solidarity group members, obtained with the CEAPEPI. The data show that micro-credit groups have relatively high levels for most variables, but to relate to the profile of microcredit results demonstrate the interesting points of analysis / Este trabalho consiste em um estudo sobre a presen?a de rela??o entre Capital Social e os grupos de aval solid?rio do Centro de Apoio a Pequenos Empreendimentos - CEAPE PI, O capital social foi medido atrav?s dos n?veis de confian?a e associativismo, considerando confian?a como as expectativas desejadas e aprendidas entre as pessoas e o associativismo como as intera??es entre os membros dentro de um grupo e entre grupos. A quest?o central da pesquisa pretende identificar se h? rela??o entre os n?veis de capital social e o perfil dos membros de aval solid?rio do CEAPE-PI. O objetivo geral ser? analisar o n?vel de capital social e se estes variam conforme a mudan?a no perfil dos membros de aval solid?rio. O m?todo adotado analisou em perspectiva transversal o n?vel de capital social encontrado em 300 membros de aval solid?rio, coletados atrav?s de uma pesquisa survey relacionado com o perfil dos membros de aval solid?rio, obtidos junto com o CEAPE-PI. Os dados obtidos demonstram que os grupos de microcr?dito apresentam n?veis relativamente altos para a maioria das vari?veis estudadas, por?m, ao relacionar com o perfil de microcr?dito, os resultados demonstram pontos interessantes de an?lise

Submitted by Automa??o e Estat?stica (sst@bczm.ufrn.br) on 2018-03-12T17:54:08Z No. of bitstreams: 1 LenilzeCristinaDaSilvaDias_DISSERT.pdf: 1907284 bytes, checksum: d811865fb8f091cad8288604547917ce (MD5) / Approved for entry into archive by Arlan Eloi Leite Silva (eloihistoriador@yahoo.com.br) on 2018-03-15T17:43:38Z (GMT) No. of bitstreams: 1 LenilzeCristinaDaSilvaDias_DISSERT.pdf: 1907284 bytes, checksum: d811865fb8f091cad8288604547917ce (MD5) / Made available in DSpace on 2018-03-15T17:43:38Z (GMT). No. of bitstreams: 1 LenilzeCristinaDaSilvaDias_DISSERT.pdf: 1907284 bytes, checksum: d811865fb8f091cad8288604547917ce (MD5) Previous issue date: 2017-08-30 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior (CAPES) / Este trabalho analisa os determinantes da participa??o dos trabalhadores e trabalhadoras rurais no Programa Nacional de Cr?dito Fundi?rio no munic?pio de Touros/RN, no per?odo de 2003 a 2014. Para tanto, considera como determinante os aspectos econ?micos e pol?ticos da forma??o social brasileira, destacando a inser??o do pa?s no sistema capitalista e o avan?o do capital no campo. Em adi??o, destaca os rebatimentos do ajuste fiscal e da contrarreforma do Estado sobre a pol?tica fundi?ria que vem priorizando a reforma agr?ria de mercado em detrimento da desapropria??o de terras e do combate ao latif?ndio. A reestrutura??o do capital tem provocado a precariza??o da vida da classe trabalhadora, acentuando a situa??o de empobrecimento das pessoas do campo evidenciada pelo aumento da concentra??o fundi?ria e, consequentemente, do conflito de terras. O Programa Nacional de Cr?dito Fundi?rio enfatiza a participa??o e a autonomia para a escolha da terra sem conflitos, como benef?cios. Para maior aproxima??o a essa realidade, a pesquisa em campo ocorreu com visita ?s ?reas adquiridas pelo Programa no munic?pio de Touros. Nesta ocasi?o, foi utilizado como t?cnica de coleta de dados um question?rio com perguntas abertas e fechadas, respondidas coletivamente pelas fam?lias associadas para a compra da terra. Posteriormente, foram realizadas entrevistas semiestruturadas com dirigentes sindicais do munic?pio de Touros. O resultado da pesquisa evidenciou o esvaziamento pol?tico quanto ? concep??o de participa??o e autonomia adotadas pelo Programa e passividade em rela??o ? concentra??o fundi?ria por parte do movimento sindical. / This project analyzes the determinants of the participation of rural workers in the National Land Credit Program without the municipality of Bulls / RN, from 2003 to 2014. Therefore, it considers as determinant the economic and political aspects of the Brazilian social formation, highlighting the insertion of the country in the capitalist system and the advance of the capital in the field. In addition, it emphasizes the refutations of the fiscal adjustment and the counterreform of the State on the land policy that has prioritized the agrarian reform of the market to the detriment of the expropriation of lands and the fight against the latifundio. Capital restructuring provoked the precariousness of working-class life, accentuating the impoverishment of rural people, evidenced by the increased concentration of land and, consequently, by land conflict. The National Land Credit Program emphasizes participation and autonomy for the choice of land without conflicts, as benefits. To get closer to this reality, the field research took place with a visit to the areas acquired by the Program in the municipality of Touros. On this occasion, a questionnaire with open and closed questions, collectively answered by the families associated with the purchase of land, was used as data collection technique. Subsequently, semi-structured interviews were conducted with union leaders from the municipality of Touros. The result of the research evidenced the political emptying of the conception of participation and autonomy adopted by the Program and lack of criticality in relation to the landed concentration by the trade union movement.

Made available in DSpace on 2015-12-03T18:33:00Z (GMT). No. of bitstreams: 1 Henrique_Goncalves_Rada.pdf: 577607 bytes, checksum: 3ed55f1053a8fde9fa2331141c4876e8 (MD5) Previous issue date: 2002-08-30 / This research will analyze the business strategy in one of the biggest Brazilian's bank in relation to a crucial aspect: The loss caused by loans given to companies in the middle-market. Dealing with an environment of controlled inflation rate, all bases of Brazilian's economy show stability, banks should itensify their mission that is to foment the economy with loans and assets. The banks that develop and utilize information systems to control the liquidity and the quality of their assets will succeed in create a competitive advantage over the competitors that don't have an appropriate tool. The main purpose of this research is to analyze how an efficient information system can help the managers in order to anticipate, reduce or eliminate the looses with loans. The research will be supported through a study about the use of these tools in one of the biggest Brazilian financial institutions that is also a multinational bank. It will analyze how this bank utilizes information systems to assure an adequate financial management of the assets. It will show which are the tools given and utilized by the managers in two crucial moments: first when the money is liberated to the company and then monitoring the loan until it is liquidated or renovated. It is Supported by bibliographical references concerning to information systems and technology, risk and financial analyses. / A presente pesquisa analisou e estudou como um importante banco brasileiro de neg??cios atua diante de um problema crucial: as perdas ocorridas atrav??s de empr??stimos mal concedidos ??s empresas. Diante de um quadro de infla????o controlada, as institui????es banc??rias est??o intensificando suas fun????es no mercado com rela????o ao fomento das atividades de concess??o de cr??dito. As institui????es que conseguirem, atrav??s de seus sistemas de informa????o, controlar a liquidez de seus ativos, passar??o a desfrutar de uma vantagem competitiva sobre aquelas que ainda n??o possuem sistemas apropriados. O objetivo deste trabalho ?? entender como os sistemas de gest??o estrat??gica da informa????o pode auxiliar os gestores, neste caso os gerentes, a antecipar os problemas e reduzir ou eliminar as perdas em opera????es de cr??dito. A pesquisa foi fundamentada num estudo sobre o uso de sistemas de informa????o para monitoramento do processo de concess??o do cr??dito em uma das maiores institui????es financeiras do pa??s, uma institui????o banc??ria multinacional. O estudo buscou analisar como o banco utiliza sistemas de informa????o para garantir uma gest??o financeira adequada, pesquisando quais s??o as ferramentas disponibilizadas e utilizadas pelos gerentes comerciais para concess??o de cr??dito ao cliente, acompanhamento do retorno do valor emprestado e a renova????o da opera????o. O trabalho utilizou, como referencial te??rico, textos ligados ?? gest??o estrat??gica da informa????o, an??lise de risco e cr??dito. Os gestores avaliaram a efici??ncia dos sistemas de informa????o no sentido de se evitarem as perdas e as conclus??es foram de que por um lado s??o preservados os interesses dos acionistas e por outro um alto controle pode gerar insatisfa????o para os clientes.

Made available in DSpace on 2015-12-03T18:33:13Z (GMT). No. of bitstreams: 1 Eudes_Martins_de_Araujo.pdf: 471826 bytes, checksum: 3fa94e3e0d87a5b29960d321fc0f5277 (MD5) Previous issue date: 2015-03-31 / The objective of this work is to verify if the credit rating model proposed by Brito and Assaf Neto (2008) designed for publicly held companies may also be applied to privately held companies in Brazil. In this work, 60 companies were used, being 30 of them in bankruptcy or insolvency processes in the period from 1994 to 2004, herein referred to as insolvent companies, and 30 of them with normal economic and financial situation referred here as solvent companies. In the present study, 60 companies were used; 30 of them presenting financial restrictions during the year of 2013 and 30 having a normal economic and financial situation. The model proposed by Brito and Assaf Neto (2008) used a logistic regression with 25 economic and financial indicators to see if they were able to separate solvent companies from non-solvent companies. Out of the 25 indicators used for this study, only 4 of them were statistically significant, namely: (I) retained profits on assets, (ii) financial debt, (III) net working capital and (IV) cash balance on sales. This four-variable model obtained a 90% accuracy in the correct classification of solvent and insolvent companies. However, the logistic regression model estimated based on the data from private companies showed different results from the one estimated by Brito and Assaf Neto (2008).In this case, only two variables showed to be statistically significant: (I) equity on assets and (II) cash balance on sales. This adjusted model reached a 57% accuracy in correctly classifying the companies. In short, the results presented here showed that it was not possible to estimate the adjusted credit-scoring model with a good accuracy for privately held companies in Brazil this based on extracted data from their financial statements. / O objetivo neste trabalho ?? verificar se o modelo de classifica????o de risco de cr??dito proposto por Brito e Assaf Neto (2008) desenvolvido para companhias de capital aberto tamb??m pode ser aplicado as companhias de capital fechado no Brasil. Nele foram utilizadas 60 companhias, sendo 30 com processos de concordata ou fal??ncia no per??odo de 1994 a 2004 denominadas insolventes e 30 com situa????o econ??mico-financeira normal denominadas solventes. No estudo aqui desenvolvido, tamb??m foram utilizadas 60 companhias; 30 apresentando restritivos financeiros durante o ano de 2013 e 30 com situa????o econ??mico-financeira normal. O modelo proposto por Brito e Assaf Neto (2008) utilizou uma regress??o log??stica com 25 indicadores econ??mico-financeiros para verificar se eles eram capazes de separar companhias solventes de companhias insolventes. Dos 25 indicadores utilizados, apenas 4 deles apresentaram signific??ncia estat??stica, sendo eles: (I) lucros retidos sobre ativo, (II) endividamento financeiro, (III) capital de giro l??quido e (IV) saldo de tesouraria sobre vendas. Esse modelo com quatro vari??veis obteve uma acur??cia de 90% nas classifica????es corretas das companhias abertas solventes e insolventes. No entanto, o modelo de regress??o log??stica estimado com base nos dados das companhias de capital fechado mostrou resultados distintos daquele estimado por Brito e Assaf Neto (2008). Nesse caso, apenas duas vari??veis se mostraram estatisticamente significantes: (I) patrim??nio l??quido sobre ativo e (II) saldo de tesouraria sobre vendas. Esse modelo ajustado obteve uma acur??cia de apenas 57% nas classifica????es corretas das companhias. Em suma os resultados aqui relatados mostraram que n??o foi poss??vel estimar um modelo ajustado de credit scoring com boa acur??cia para companhias de capital fechado no Brasil com base em dados extra??dos de suas demonstra????es financeiras.

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-04-07T18:12:18Z No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-04-07T18:12:18Z (GMT). No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-04-24 / The present research has sought to explain the context and usage of credit financial products in Brazil, considering the recent scenario of financial inclusion. Thus, the research has sought to verify the relation between the level of financial literacy of the individuals and the quality in decision making when consuming credit financial products. Also, the research discusses the relevant terms related to the theme and the main credit products recently offered by the financial institutions in the national market. Considering the focus of this research, the present work has allowed evaluation of the level of financial literacy of 317university students interviewed in a private university in the city of Sao Paulo regarding credit usage. Finally, the work proves that the higher the financial literacy level, the better the decision making in credit products consumption by the university students is, since they make choices that involve lower costs. / A presente pesquisa procurou explorar o contexto e utiliza????o de produtos financeiros de cr??dito no Brasil, considerando o recente cen??rio de inclus??o financeira. Assim, o estudo buscou verificar a rela????o entre o grau de alfabetiza????o financeira dos indiv??duos e a qualidade de suas decis??es ao consumir produtos financeiros de cr??dito. O estudo, ainda, discorre sobre os termos pertinentes ao tema e os principais produtos de cr??dito oferecidos atualmente pelas institui????es financeiras que atuam no mercado nacional. Levando-se em considera????o o objeto de pesquisa, o presente trabalho permitiu avaliar o grau de alfabetiza????o financeira de317 estudantes universit??rios entrevistados em uma universidade particular no centro da cidade de S??o Paulo no tocante ?? utiliza????o de produtos de cr??dito. Por fim, o trabalho comprova que quanto maior o n??vel de alfabetiza????o financeira, melhor s??o as tomadas de decis??o pelos universit??rios no consumo de produtos de cr??dito, uma vez que eles optam por opera????es de menor custo

Made available in DSpace on 2016-04-04T18:21:35Z (GMT). No. of bitstreams: 1 Olivia Maia 1.pdf: 2345380 bytes, checksum: e0f32dbf773fed1e445f0ce104c43af9 (MD5) Previous issue date: 2006-11-23 / The present dissertation is related to the recent Program of the Federal government for Social Housing, the Solidary Credit. This Program was created after the demand presented by the national entities of popular movements in Brazil and it differentiates from the others for having as a focus the cooperative and association work, with the intention of fortifying the "self help" practice and the popular organization. To realize a critical analysis of the Program, this dissertation begins with a historical reconstitution of the ways of housing provision, with emphasis in the self help building and popular participation. The capitalist development, through the housing production, is presented as a way to understand the relations between the agents involved in the current forms of provision. The analysis of the social agents gives clues to explain its current interlocutions. Some notes about the current scene present a compose the changes presented in the civil society and in the State toward the recent public politics for social housing and the popular participation. In the end a panorama of some Brazilian regions is presented, with different ways of utilization of the Program. A study of a more specific case was made in Embu das Artes city, SP, for having, until then, appropriated the Program on a more complete way. The field research had as intention to illustrate the arguments presented throughout the work, basing the critiques made to the Program. Critiques that in the end had been organized in three great axles: provision, interlocution between the present social agents and participation, always aiming at answering the question: changes in the scene?. / Esta disserta??o trata do recente Programa do governo federal para Habita??o Popular, o Cr?dito Solid?rio. Esse Programa foi criado ap?s demanda apresentada pelas entidades nacionais de movimentos populares e se diferencia dos demais por ser voltado ao cooperativismo e associativismo, com o intuito de fortalecer as pr?ticas de gest?o e da organiza??o popular. Para proceder a uma an?lise cr?tica do Programa, este trabalho parte de uma reconstitui??o hist?rica das formas de provis?o habitacional, com ?nfase na autoconstru??o e participa??o popular. O desenvolvimento capitalista, por meio da produ??o habitacional, ? apresentado como forma de compreens?o das rela??es entre os agentes envolvidos nas atuais formas de provis?o. A an?lise dos agentes sociais presentes busca explicar suas atuais interlocu??es e, a partir de algumas notas sobre o cen?rio atual pretende-se compor as mudan?as ocorridas na sociedade civil e no Estado no que se refere ? habita??o e participa??o popular. Por fim ? apresentado um panorama em algumas regi?es do Brasil, com diferentes formas de utiliza??o do Programa. Um estudo de caso mais espec?fico foi feito no munic?pio de Embu das Artes, SP, por ter, at? ent?o, se apropriado de forma mais completa do Programa. As pesquisas de campo tiveram por intuito ilustrar os argumentos apresentados ao longo do trabalho, embasando as cr?ticas feitas ao Programa. Cr?ticas estas que ao final foram organizadas em tr?s grandes eixos: provis?o, interlocu??o entre os agentes sociais presentes e participa??o, sempre visando responder a pergunta: mudan?as no cen?rio?.

Submitted by SBI Biblioteca Digital (sbi.bibliotecadigital@puc-campinas.edu.br) on 2017-02-01T11:44:11Z No. of bitstreams: 1 RODRIGO SEMERIA RUSCHEL.pdf: 4638678 bytes, checksum: d4d1202cce0328177e98030dac7e0f3d (MD5) / Made available in DSpace on 2017-02-01T11:44:11Z (GMT). No. of bitstreams: 1 RODRIGO SEMERIA RUSCHEL.pdf: 4638678 bytes, checksum: d4d1202cce0328177e98030dac7e0f3d (MD5) Previous issue date: 2016-12-21 / This work presents the potential of carbon sequestration and provision of other ecosystem services in the Permanent Preservation Areas along the watercourses of the city of Campinas-SP. Also, the cost associated with the carbon sequestration service was calculated and how much the municipality would benefit from creating a market for the carbon credits generated in the reforestation projects in these areas. It was shown that the commercialization of credits would cover up to 46% of the project implementation costs. In addition to carbon sequestration, the recovery of PPAs along watercourses provides additional ecosystem services to the municipality, which if contemplated in the cost-benefit analysis of reforestation projects represent the largest portion of the total benefits. Therefore, the inclusion of the benefits generated by the additional ecosystem services has proved to be fundamental to make the recovery of PPAs economically viable. / Este trabalho apresenta o potencial de fixacao de carbono e provisao de demais servicos ecossistemicos das Areas de Preservacao Permanente ao longo dos cursos d?agua do municipio de Campinas-SP. Ainda, calculou-se o custo associado ao servico de fixacao de carbono e o quanto o municipio se beneficiaria ao criar um mercado para os creditos de carbono gerados nos projetos de reflorestamento destas areas. Foi demonstrado que a comercializacao dos creditos cobriria ate 46% dos custos de implantacao dos projetos. Alem da fixacao de carbono, a recuperacao das APPs ao longo de cursos d?agua proporciona servicos ecossistemicos adicionais ao municipio, e que se contemplados na analise custo-beneficio dos projetos de reflorestamento representam a maior porcao dos beneficios totais. Portanto, a inclusao dos beneficios gerados pelos servicos ecossistemicos adicionais mostrou-se fundamental para tornar a recuperacao das APPs economicamente viavel.

Made available in DSpace on 2014-12-17T14:35:53Z (GMT). No. of bitstreams: 1 ValdeciS.pdf: 571587 bytes, checksum: 5b1f79ea57b1f1783ecefd3cb316e648 (MD5) Previous issue date: 2008-09-18 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior / This study - Biologist s formative speech about death. Nuances and metaphors from knowing that the subject of do not want to know - shows a marginal cognitive construction in scientific education from biologist - death. It considered as obvious that death is a theme that covers both the scientific education from biologist and the division of the subject, and concerns the splitting of the double life-death and the principles of inclusion and exclusion of the subject. Part of sensitive question: What is the epistemological weave who supports biologist's speech about death? It is constituted an object of study of the biologist s speech on death. It is advocated the thesis that: Death is an epistemological obstacle announcing for something always aims to escape from the perspective of knowledge, especially of scientific knowledge because, since it is understood as cognitive learning about the disruption of biological phenomenon life which is involved on weave of imaginary and symbolic constructions about the finiteness of life; it has constituted a metaphorical knowing - encouraged by the noisy silence - which does not allow to know in full, mobilizing hence subject in searching for transitional truths that reduce the ontological being-mortal anguish centered in subjective dimension involved in the act of knowing. From this movement of search that the object mental life after death wins a symbolic value that requires a real-looking multi-referential for the study of biology - life - and its implications: the finiteness of life, especially by moving the omnipotence of scientific objectivity expressed by signs and symbols that seek say the completeness of scientific knowledge-, signaling thus the existence of the dynamics of incompleteness implicit in subjectivity that supports knowledge relating to the double, life and death, and to the temporality of the existence of Homo sapiens sapiens, with the axis guiding the desire of the subject, do not want to know about death, implicit in the mechanisms objective-subjective founded by non-said of death is the epistemology of the existence of objective-subjective subject, whose core is the negation of death. The theoretical methodological knowing web is anchored in the multi-reference which favors a transit by theoretical current, as the Psychoanalysis, bachelardian philosophy, the epistemology of complexity, the Thanatology, the Social Psychology, and Etnocenology, and Understanding Interview. The unveiling of the study object from the analysis of oral speech of eleven biologists who serve in high school, from three main guiding: Death in the history of life,Death in biologist s academic education and, Conceptions about concepts / Este estudo - O discurso formativo do bi?logo sobre a morte. Matizes e met?foras do saber que o sujeito n?o deseja saber - evidencia uma constru??o cognitiva marginal na forma??o cient?fica do bi?logo - a morte. Considera como evidente que a morte ? um tema que abrange, simultaneamente, a forma??o cient?fica do bi?logo e a cis?o do sujeito, e diz respeito ? cis?o do duplo vida-morte e aos princ?pios de inclus?o e de exclus?o do sujeito. Parte da quest?o sensibilizadora: Qual a tessitura epist?mica que fundamenta o discurso do bi?logo sobre a morte? Constitui objeto de estudo o discurso do bi?logo sobre a morte. Defende a tese que: A morte ? um obst?culo epistemol?gico anunciador de que algo, sempre, escapar? na perspectiva objetiva do conhecimento, especialmente do conhecimento cient?fico, visto que, compreendida como a constru??o cognitiva sobre a ruptura do fen?meno biol?gico vida, est? implicada na tessitura de constru??es imagin?rias e simb?licas sobre a finitude da vida; constitui-se um saber metaf?rico fomentado pelo sil?ncio ruidoso -, que n?o se permite conhecer por inteiro, mobilizando, assim, o sujeito ? busca/procura de verdades transit?rias que reduzam a ang?stia ontol?gica de ser-mortal nucleada na dimens?o subjetiva implicada no ato de conhecer. ? nesse movimento de busca/procura que o objeto mental vida p?s-morte ganha um valor simb?lico-real que requer um olhar multirreferencial para o objeto de estudo da Biologia a vida e a sua implica??o: a finitude da vida, especialmente, por deslocar a onipot?ncia da objetividade cient?fica expressa por signos e s?mbolos que procuram dizer da completude do conhecimento cient?fico -, sinalizando, assim, a exist?ncia da din?mica da incompletude impl?cita na subjetividade que fundamenta a constru??o de saberes relativos ao duplo vida-morte e ? temporalidade da exist?ncia do Homo sapiens sapiens, tendo como eixo norteador o desejo do sujeito, de n?o desejar saber sobre a morte, impl?cito nos mecanismos objetivos-subjetivos fundamentados pelo n?o-dito da morte que constitui a epistemologia da exist?ncia do sujeito objetivo-subjetivo, cujo n?cleo ? a nega??o da morte. A teia epist?mica te?rico-metodol?gica ancora-se na Multirreferencialidade que favorece um tr?nsito por correntes te?ricas, como, a Psican?lise, a filosofia bachelardiana, a epistemologia da complexidade, a Tanatologia, a Psicologia Social, e a Etnocenologia, e na Entrevista Compreensiva. O desvelamento do objeto de estudo parte da an?lise dos discursos orais de onze bi?logas que atuam no Ensino M?dio da Educa??o B?sica, a partir de tr?s eixos norteadores: A morte na hist?ria de vida, A morte na forma??o acad?mica do bi?logo e, Concep??es sobre conceitos

Made available in DSpace on 2015-12-03T18:35:24Z (GMT). No. of bitstreams: 1 Paulo_Roberto_Macedo_de_Andrade.pdf: 958605 bytes, checksum: 8bf349be18c9e86bd6ece938301717a8 (MD5) Previous issue date: 2012-12-05 / The decision-making process of credit developed by banks for analysis and credit concession. to corporate entities involves a series of procedures for information gathering objective and subjective. By subjective information has information related to customer records and sources information the past relationship with the market, and objective information has been obtained from those collecting information of its financial statements as of the balance sheet and income statements, which undergo a process of standardization or reclassification of accounts, lets you extract and briefly present a set of economic and financial indicators that assess liquidity, activity, debt and profitability of these companies that will serve as a basis for analysis and interpretation of current economic and financial situation of that particular company or client entity. However, these financial indicators, called traditional, allowing only provide information to evaluate the financial situation of a company or corporate customer from past to present, and there is a great need to assess trends and future prospects. The objective of this dissertation is to describe and evaluate the importance of the Model Fleuriet as financial management tool, which allows you to analyze the trend of the financial situation of a company, combining the assessment of indicators such as the financial cycle, working capital, the need for working capital and cash balance, enabling managers who use it to make decisions faster and more assertive to correct the course of the operating company and how it can be used as a tool in decision-making accessory credit. The methodology as the approach to the problem was a qualitative study and used an explanatory research to further study and survey of new facts from existing knowledge made through a literature search and a field survey by done through a questionnaire to a group of credit analysts from various financial institutions, to assess the importance given by them for the use of traditional financial indicators and financial Model Fleuriet indicated for the development of its activity. It was concluded that the Model Fleuriet is little known and used by most credit analysts in their daily analysis and credit concession, as well as financial institutions where they work and that only 14% of respondents believe in the superiority of Model Fleuriet compared to traditional indicators, highlighting the analysts with over 10 years experience. As a suggestion of continuity this study proposes a new research in the financial market in order to assess the financial stability of companies listed on the Bovespa using traditional indicators and Model Fleuriet and development of a practical study in a financial institution with the implementation of Model Fleuriet in their analysis procedures and credit concession. / O processo decis??rio de cr??dito desenvolvido pelas institui????es financeiras para a an??lise e concess??o de empr??stimos para pessoas jur??dicas envolve uma s??rie de procedimentos para levantamento de informa????es objetivas e subjetivas. Por informa????es subjetivas tem-se as informa????es ligadas ao cadastro do cliente e fontes de refer??ncias pelo hist??rico de relacionamento com o mercado e, por informa????es objetivas, tem-se aquelas obtidas a partir do levantamento de informa????es de seus demonstrativos financeiros como o balan??o patrimonial e demonstrativos de resultados, os quais passam por um processo de reclassifica????o ou padroniza????o das contas, que permite extrair e apresentar resumidamente um conjunto de indicadores econ??mico-financeiros que avaliam a liquidez, a atividade, o endividamento e a lucratividade dessas empresas que servir??o como base para an??lise e interpreta????o da atual situa????o econ??mico-financeira daquela determinada empresa ou cliente pessoa jur??dica. Contudo, esses indicadores financeiros, chamados tradicionais, trazem informa????es que permitem apenas avaliar a situa????o econ??mico-financeira de uma empresa ou cliente pessoa jur??dica do passado para o presente, sendo que existe uma grande necessidade de se avaliar tend??ncias e perspectivas futuras. O objetivo dessa disserta????o ?? descrever e avaliar a import??ncia do Modelo Fleuriet como ferramenta de gest??o financeira, o qual permite analisar a tend??ncia da situa????o econ??mico-financeira de uma empresa, conjugando a avalia????o de indicadores como o ciclo financeiro, o capital de giro, a necessidade de capital de giro e o saldo de tesouraria, permitindo aos gestores que o utilizam a tomarem decis??es mais r??pidas e assertivas para corrigir a rota operacional da empresa e como pode ser utilizado como uma ferramenta acess??ria no processo decis??rio de cr??dito. A metodologia utilizada quanto a abordagem do problema foi uma pesquisa qualitativa e utilizou-se de uma pesquisa explicativa para aprofundar estudo e levantamento de fatos novos a partir de conhecimentos j?? existentes feitos atrav??s de uma pesquisa bibliogr??fica e de um levantamento de campo ou survey, por meio de um question??rio feito a um grupo de analistas de cr??dito de v??rias institui????es financeiras, para se avaliar a import??ncia dada por eles quanto ?? utiliza????o dos indicadores financeiros tradicionais e dos indicados financeiros do Modelo Fleuriet, para o desenvolvimento de sua atividade. Concluiu-se que o Modelo Fleuriet ?? pouco conhecido e utilizado pela maioria dos analistas de cr??dito em suas atividades di??rias de an??lise e concess??o de cr??dito, como tamb??m pelas institui????es financeiras onde atuam e que apenas 14% dos respondentes acreditam na superioridade do Modelo Fleuriet em rela????o aos indicadores tradicionais, destacando-se os analistas com mais de 10 anos de experi??ncia. Como sugest??o de continuidade desse estudo prop??e-se nova pesquisa junto ao mercado financeiro a fim de se avaliar o equil??brio financeiro de empresas listadas na Bovespa utilizando-se os indicadores tradicionais e o Modelo Fleuriet e o desenvolvimento de um estudo pr??tico numa institui????o financeira com a implanta????o do Modelo Fleuriet em seus procedimentos de an??lise e concess??o de cr??dito.