Master‘s work explores the influence of credit risk of individual clients to the bank management process. It analyzes and systemizes theoretical and practical elements of the banks credit risk management conducted by various Lithuanian and foreign authors. It also measures the importance of credit administration and monitoring of individual clients with the purpose to decrease credit risk. Also this work presents prepared credit risk management system of private clients. It presents an analysis of legal acts of the Republic of Lithuania that directly influence bank credit risk management. Master’s work proves scientific hypothesis that improved credit applicant evaluation system enables to assess and reduce credit risk in AB bankas “NORD/LB Lietuva”.

Ocean-island flank collapses are amongst the most dangerous of all landslide related hazards in the world, as they have the potential to trigger ocean-wide tsunamis that can cause damage and loss of life to communities thousands of kilometres from their source of origin. The implications for landslide-induced tsunami originating from high volcanic islands in the Pacific are serious; and consequent hazards to life, infrastructure, and emergency management need to be constantly reviewed, monitored, and investigated. Ta’u, the easternmost inhabited island in the Samoa Islands volcanic chain, exhibits a series of down-faulted benches on its southern flank; believed to be the remnant of catastrophic collapse involving ~30km³. An historical map of Ta’u, charted during the first United States exploring expedition into the Pacific Ocean (Charles Wilkes Expedition), suggests that the event was recent; having occurred less than 170 years ago. A collapse event of this magnitude would have generated a locally devastating tsunami, with possible impacts experienced at the regional level. However, there exists no written or oral record of such an event. It appears that half the island, involving an estimated 30km³, disappeared off the map less than 170 years ago without anybody noticing it. A number of key questions thus emerged. Did this event actually happen within the last 170 years, and if so, how and why could it have gone unnoticed? Is the event much older than the impression obtained from the literature? More importantly, what is the likelihood of a future collapse and subsequent tsunami, and what would the hazard impacts be at the local and regional levels? These questions formed the research basis for this thesis. Specific aims were developed to address the issues identified, and a range of inter-disciplinary scientific techniques using innovative methods and new datasets were implemented to achieve them. The results demonstrate that the collapse most likely occurred more than 170 years ago, raising serious debate on the accuracy of observations made during the Charles Wilkes Expedition. The results also show that the eruptive-hazard at the site exists. Given that the nature and frequency of active volcanism in the area is uncertain, the risk of a future collapse and subsequent tsunami in the medium-term is considered high. The inter-disciplinary approach to landslide-tsunami hazard investigation on an oceanic island presented in this thesis, can be developed and applied by disaster managers to similar hazard investigations on other oceanic islands. Ultimately, the increase in knowledge-base can be used as a tool for developing safer and more resilient coastal communities.

The essays in this dissertation explore issues related to health and retirement of older Americans, using longitudinal data on older Americans from ten waves of the Health and Retirement Study (1992-2010). The first essay explores the effect of both subjective and relatively more objective physical and mental health conditions on the probability of exit from full-time employment. Eight health indices (factors) are created from a wide range of health measures by principal component analysis. The effect of these health factors on the time until exit from full-time employment is empirically examined in a proportional hazard model. Single and competing risk specifications are estimated that allow for multiple spells of full-time employment and control for unobserved heterogeneity. The main results suggest that increase in functional limitation factor makes an individual more likely to exit via any route in general and the complete retirement route in particular. For mental health problems, increase in the depression factor increases the likelihood of exit from full-time employment via the complete retirement, part-time work and unemployment routes. While increase in cognitive disorders factor has no significant effect on the likelihood of exit via complete retirement, but increases the likelihood of exit via the disability route. These results have implications for public policies targeted towards retaining older workers within the labor market. The second essay examines the effect of retirement on post retirement physical and mental health and the extent to which the effects differ across these different health outcomes. The inherent issue of reverse causality between health and retirement that leads to endogeneity is addressed by using multiple sample stratification and instrumental variable estimation strategies. The stratified samples include individuals who are physically and mentally healthy prior to their retirement so that pure effect of retirement on post retirement health may be found. Five different instruments for complete retirement are also used to deal with endogeneity. The sample stratification results unanimously indicate that complete retirement has adverse effect on post retirement physical and mental health. While the instrumental variables approach results are mixed and are based on the choice of instrument for complete retirement.

Ocean-island flank collapses are amongst the most dangerous of all landslide related hazards in the world, as they have the potential to trigger ocean-wide tsunamis that can cause damage and loss of life to communities thousands of kilometres from their source of origin. The implications for landslide-induced tsunami originating from high volcanic islands in the Pacific are serious; and consequent hazards to life, infrastructure, and emergency management need to be constantly reviewed, monitored, and investigated. Ta’u, the easternmost inhabited island in the Samoa Islands volcanic chain, exhibits a series of down-faulted benches on its southern flank; believed to be the remnant of catastrophic collapse involving ~30km³. An historical map of Ta’u, charted during the first United States exploring expedition into the Pacific Ocean (Charles Wilkes Expedition), suggests that the event was recent; having occurred less than 170 years ago. A collapse event of this magnitude would have generated a locally devastating tsunami, with possible impacts experienced at the regional level. However, there exists no written or oral record of such an event. It appears that half the island, involving an estimated 30km³, disappeared off the map less than 170 years ago without anybody noticing it. A number of key questions thus emerged. Did this event actually happen within the last 170 years, and if so, how and why could it have gone unnoticed? Is the event much older than the impression obtained from the literature? More importantly, what is the likelihood of a future collapse and subsequent tsunami, and what would the hazard impacts be at the local and regional levels? These questions formed the research basis for this thesis. Specific aims were developed to address the issues identified, and a range of inter-disciplinary scientific techniques using innovative methods and new datasets were implemented to achieve them. The results demonstrate that the collapse most likely occurred more than 170 years ago, raising serious debate on the accuracy of observations made during the Charles Wilkes Expedition. The results also show that the eruptive-hazard at the site exists. Given that the nature and frequency of active volcanism in the area is uncertain, the risk of a future collapse and subsequent tsunami in the medium-term is considered high. The inter-disciplinary approach to landslide-tsunami hazard investigation on an oceanic island presented in this thesis, can be developed and applied by disaster managers to similar hazard investigations on other oceanic islands. Ultimately, the increase in knowledge-base can be used as a tool for developing safer and more resilient coastal communities.

Doctor of Philosophy / Water quality guidelines (WQGs) present concentrations of contaminants that are designed to be protective of aquatic ecosystems. In Australia, guidance for assessment of water quality is provided by the ANZECC and ARMCANZ (2000) Guidelines for Fresh and Marine Water Quality. WQGs are generally provided for individual contaminants, not complex mixtures of chemicals, where interaction between contaminants may occur. Complex mixtures of contaminants are however, more commonly found in the environment than singular chemicals. The likelihood and consequences of adverse effects occurring in aquatic ecosystems resulting from contaminants are generally assessed using an ecological risk assessment (ERA) framework. Ecological risk assessment is often a tiered approach, whereby risks identified in early stages, using conservative assumptions, prompt further detailed and more realistic assessment in higher tiers. The objectives of this study were: to assess and investigate the toxicity of the mixture of volatile chlorinated hydrocarbons (VCHs) in groundwater to indigenous marine organisms; to present a ‘best practice’ ecological risk assessment of the discharge of contaminated groundwater to an estuarine embayment and to develop techniques to quantify the environmental risk; and to evaluate the existing ANZECC and ARMCANZ (2000) WQGs for VCHs and to derive new WQGs, where appropriate. Previous investigations at a chemical manufacturing facility in Botany, Sydney, identified several plumes of groundwater contamination with VCHs. Contaminated groundwater containing a complex mixture of VCHs was identified as discharging, via a series of stormwater drains, to surface water in nearby Penrhyn Estuary, an adjacent small intertidal embayment on the northern margin of Botany Bay. A screening level ecological hazard assessment was undertaken using the hazard quotient (HQ) approach, whereby contaminant concentrations measured in the environment were screened against published trigger values (TVs) presented in ANZECC and ARMCANZ (2000). Existing TVs were available for 9 of the 14 VCHs present in surface water in the estuary and new TVs were derived for the remaining 5 VCHs. A greater hazard was identified in the estuary at low tide than high tide or when VCH concentrations from both high and low tides were assessed together. A greater hazard was also identified in the estuary when the toxicity of the mixture was assessed, rather than the toxicity of individual contaminants. The screening level hazard assessment also identified several limitations, including: the low reliability of the TVs for VCHs provided in ANZECC and ARMCANZ (2000); the limited applicability of the TVs to a complex mixture of 14 potentially interacting contaminants; the use of deterministic measures for each of the exposure and toxicity profiles in the HQ method and the associated lack of elements of probability to assess ‘risk’. Subsequent studies were undertaken to address these identified shortcomings of the screening level hazard assessment as described in the following chapters. A toxicity testing methodology was adapted and evaluated for suitability in preventing loss of VCHs from test solutions and also for testing with 6 indigenous marine organisms, including: oyster (Saccostrea commercialis) and sea urchin larvae (Heliocidaris tuberculata); a benthic alga (Nitzschia closterium); an amphipod (Allorchestes compressa); a larval fish (Macquaria novemaculeata); and a polychaete worm (Diopatra dentata). The study evaluated possible VCH loss from 44 mL vials for small organisms (H.tuberculata, S.commercialis and N.closterium) and 1 L jars for larger organisms (M.novemaculeata, A.compressa and D.dentata). Vials were effective in preventing loss of VCHs, however, an average 46% of VCHs were lost from jars, attributable to the headspace provided in the vessels. Test jars were deemed suitable for use with the organisms as test conditions, i.e. dissolved oxygen content and pH, were maintained, however, variability in test organism survival was identified, with some control tests failing to meet all acceptance criteria. Direct toxicity assessment (DTA) of groundwater contaminated with VCHs was undertaken using 5 indigenous marine organisms and site-specific species sensitivity distributions (SSDs) and TVs were derived for the complex mixture of VCHs for application to surface water in Penrhyn Estuary. Test organisms included A.compressa, H.tuberculata, S.commercialis, D.dentata and N.closterium. The SSD was derived using NOEC data in accordance with procedures presented in ANZECC and ARMCANZ (2000) for deriving WQGs. The site-specific SSD adopted was a log-normal distribution, using an acute to chronic ratio (ACR) of 5, with a 95% TV of 838 μg/L total VCHs. A number of additional scenarios were undertaken to evaluate the effect of including different ACRs (i.e. 5 or 10), inclusion of larval development tests as either acute or chronic tests and choice of SSD distribution (i.e. log-normal, Burr Type III and Pareto). TVs for the scenarios modelled varied from 67 μg/L to 954 μg/L total VCHs. A site-specific, quantitative ERA was undertaken of the surface water contaminated with VCHs in Penrhyn Estuary. The risk assessment included probabilistic elements for toxicity (i.e. the site-specific SSD) and exposure (i.e. a cumulative distribution function of monitoring data for VCHs in surface waters in the estuary). The joint probability curve (JPC) methodology was used to derive quantitative estimates of ecological risk (δ) and the type of exposure in the source areas in surface water drains entering the estuary, i.e. Springvale and Floodvale Drains, Springvale and Floodvale Tributaries and the Inner and Outer Estuary. The risk of possible adverse effects and likely adverse effects were each assessed using SSDs derived from NOEC and EC50 data, respectively. Estimates of risk (δ) of possible adverse effects (i.e. based on NOEC data) varied from a maximum of 85% in the Springvale Drain source area to <1% in the outer estuary and estimates of likely adverse effects (i.e. based on EC50 data) varied from 78% to 0%. The ERA represents a ‘best practice’ ecological risk assessment of contamination of an estuary using site-specific probabilistic elements for toxicity and exposure assessments. The VCHs identified in surface water in Penrhyn Estuary are additive in toxicity and act under the narcotic pathway, inhibiting cellular processes through interference with membrane integrity. Lethal toxicity to 50% of organisms (i.e. LC50) is typically reported at the internal lethal concentration (ILC) or critical body residue (CBR) of ~2.5 mmol/kg wet weight or within the range of 1 to 10 mmol/kg wet weight. To evaluate the sensitivity of the test organisms to VCHs and to determine if toxicity in the DTA was due to VCHs, the internal residue for 6 test organisms was calculated for the mixture of VCHs in groundwater and toxicity testing with seawater spiked individually 2 VCHs, chloroform and 1,2-dichloroethane. Calculated residues (at LC50/EC50) were typically between 1 and 10 mmol/kg, with the exception of the algal and sea urchin toxicity tests, which were considerably lower than the expected minimum. Mean internal residues for the groundwater, chloroform and 1,2-dichloroethane were 0.88 mmol/kg, 2.84 mmol/kg and 2.32 mmol/kg, respectively, i.e. close to the predicted value of ~2.5 mmol/kg, indicating that the organisms were suitably sensitive to VCHs. There was no significant difference (P>0.05) between the mean residues of each of the three treatments and the study concluded that the additive toxicity of the VCHs in groundwater was sufficient to account for the observed toxicity (i.e. VCHs caused the toxicity in the DTA undertaken). Evaluation of the existing low reliability ANZECC and ARMCANZ (2000) TVs for chloroform and 1,2-dichloroethane was undertaken to determine if these guidelines were protective of indigenous marine organisms. NOECs, derived from toxicity testing of 1,2- dichloroethane and chloroform with 6 indigenous marine organisms, were screened against the existing low reliability TVs. The TVs for 1,2-dichloroethane and chloroform were protective of 4 of the 6 species tested (A.compressa, D.dentata, S.commercialis and M.novemaculeata), however, the TVs were not protective of the alga (N.closterium) or the sea urchin larvae (H.tuberculata). As the existing TVs were not considered to be adequately protective, SSDs were derived using the NOEC data generated from the testing in accordance with procedures outlined in ANZECC and ARMCANZ (2000). Moderate reliability TVs of 3 μg/L and 165 μg/L were derived for chloroform and 1,2- dichloroethane, respectively, i.e. considerably lower than the existing TVs of 770 μg/L and 1900 μg/L. Differences between the existing and newly derived TVs were considered to result from the sensitive endpoints selected (i.e. growth and larval development rather than survival) and from variability inherent when deriving SSDs using a small number of test species. Ongoing groundwater monitoring indicated that the plumes of VCHs in groundwater, identified in the 1990s, were continuing to migrate towards Botany Bay. Discharge of these groundwater plumes into Botany Bay would result in significant increases in the concentrations of VCHs in the receiving environment and would likely lead to significant environmental impacts. In 2006, a groundwater remediation system was commissioned to prevent the discharge of groundwater containing VCHs into Penrhyn Estuary and Botany Bay. The success of the project had only been measured according to chemical and engineering objectives. Assessment of changes in ecological risk is vital to the success of ERA and central to the ERA management framework. Whereas monitoring of chemical concentrations provides qualitative information that risk should decrease, it cannot quantify the reduction in ecological risk. To assess the ecological risk following implementation of the groundwater treatment system, the risk assessment was revised using surface water monitoring data collected during 2007 and 2008. The ERA indicated that, following remediation of the groundwater, ecological risk in Penrhyn Estuary reduced from a maximum of 35% prior to remediation, to a maximum of only 1.3% after remediation. Using the same methodology applied in the initial risk assessment, the success of the groundwater remediation was measured in terms of ecological risk, rather than engineering or chemical measures of success. Prior to the present investigation, existing techniques for assessing ecological risk of VCH contamination in aquatic ecosystems were inadequate to characterise ecological risk. The current study demonstrated that through monitoring of surface water at the site and DTA using indigenous marine organisms, ecological risk can be assessed using site-specific, quantitative techniques for a complex mixture of VCHs in groundwater. The present investigation also identified that existing ANZECC and ARMCANZ (2000) low reliability TVs were less protective of indigenous test organisms than previously thought and therefore, new TVs were derived in the current work. The present study showed that revision of the risk assessment as conditions change is crucial to the success of the ecological risk management framework.

Thesis (M.Ag.Bus.)--University of Adelaide, Dept. of Agronomy and Farming Systems, 2002. / "November 2002." Bibliography: leaves 73-80.

Thesis (Ph. D.)--University of Hong Kong, 2008. / Includes bibliographical references (leaf 103-113) Also available in print.

Thesis (Ph.D.)--Boston University / PLEASE NOTE: Boston University Libraries did not receive an Authorization To Manage form for this thesis or dissertation. It is therefore not openly accessible, though it may be available by request. If you are the author or principal advisor of this work and would like to request open access for it, please contact us at open-help@bu.edu. Thank you. / Estimation of exposure-specific risks (ESRs) using estimates of the overall risk and relative risk of disease given exposure has been performed in previous studies, but the performance of such an estimator has not been assessed nor has a variance for such an estimate been proposed. In this project I evaluated the performance of a simple product-based ESR and its variance derived using the delta method. I used the variance to estimate the 95% confidence interval. I found that this point estimate was biased and that the accompanying 95% confidence interval did not attain 95% coverage. I also proposed a revised product-based estimator and found that this estimator was unbiased. I used the delta method to derive a variance for this estimator and estimated the 95% confidence interval. The coverage of this interval attained 95% coverage in most situations. According to the CONSORT statement, subgroup analyses in randomized controlled trials (RCTs) should be pre-planned and accompanied with a formal test of interaction. I considered the interaction between treatment and a dichotomous prognostic factor with a continuous outcome. I examined the impact of misspecifying the distribution of the prognostic factor on power and sample size for interaction effects. I found that power for the interaction test was decreased when the misspecification of the distribution of the prognostic factor was away from a balanced design. I also proposed three methods for improving the power under misspecifications. Quota sampling maintained the power at 80%, but trial completion may be delayed under misspecifications. Modified quota sampling improved the power, but results were related to the proportion of trials switching to the quota sampling procedure. Sample size re-estimation improved the power, but did not always attain 80% power. All three methods maintained appropriate type I error. Lastly, I examined the impact of unplanned cross-over on power and sample size for interaction effects in RCTs. Unplanned cross-over is common in surgical trials and can diminish the magnitude of the interaction effect. Due to this, the sample size re-estimation procedure performed better than quota sampling and modified quota sampling in the presence of unplanned cross-over. / 2031-01-02

Submitted by Alison Vanceto (alison-vanceto@hotmail.com) on 2016-12-19T11:04:06Z No. of bitstreams: 1 DissWMR.pdf: 1298141 bytes, checksum: 39703f5d32a7387ea1b12d41426d0860 (MD5) / Approved for entry into archive by Marina Freitas (marinapf@ufscar.br) on 2017-01-16T18:13:53Z (GMT) No. of bitstreams: 1 DissWMR.pdf: 1298141 bytes, checksum: 39703f5d32a7387ea1b12d41426d0860 (MD5) / Approved for entry into archive by Marina Freitas (marinapf@ufscar.br) on 2017-01-16T18:14:00Z (GMT) No. of bitstreams: 1 DissWMR.pdf: 1298141 bytes, checksum: 39703f5d32a7387ea1b12d41426d0860 (MD5) / Made available in DSpace on 2017-01-16T18:14:09Z (GMT). No. of bitstreams: 1 DissWMR.pdf: 1298141 bytes, checksum: 39703f5d32a7387ea1b12d41426d0860 (MD5) Previous issue date: 2016-09-19 / Não recebi financiamento / This paper proposes a system to help the managers of a Federal University, aiming to identify and to monitor the risks that might appear during the creation of its Plan of Management and or Strategic Plan. For this, the concepts of risks and risks management are developed based on several methodologies used, mainly, in the private sector. Thus, an adaptation of those methodologies was performed in a public institution, which has many characteristics, such as: not seeking profit, vision of equity, multicriterial decision making, among others. In this scenery, a system based on the FMEA was developed to help managers during the process of elaboration of the Plans of management and of its details in the Strategic Plan. This action has the purpose to apply on a preliminary stage of reflection, the FMEA, which must occur in the planning moment, once it will reveal the risks of implementing the proposed actions. The results of the case study in the Strategic Planning pointed out that the actions are still in progress, after application of FMEA, were classified as moderate to high level, a fact that points to the need for treatment of the risks involving the action, with the purpose that the objectives were achieved within the planning period. Or even, it could happen a preliminary analysis of the action to scale their placement in PE with compliance just steps to involve other future periods efforts. However, the systematic application of the developed model should be adjusted to provide the best facility of use. / O trabalho propõe uma sistemática com o objetivo de mitigar e monitorar os riscos que podem surgir na elaboração do seu Plano de Gestão e/ou Planejamento Estratégico da Universidade Federal de São Carlos. Para tanto, são desenvolvidos os conceitos de riscos e gestão de riscos baseados em diversas metodologias utilizadas, principalmente, no setor privado. Assim, foi realizada uma adaptação dessas metodologias considerando o ambiente de uma instituição pública que apresenta características diversas como: não visa lucro, visão de equidade, tomada de decisões multicritérios entre outras. Neste cenário, foi desenvolvida, com base na metodologia FMEA, uma sistemática para auxiliar os gestores durante o processo de elaboração dos Planos de Gestão e no seu detalhamento no Planejamento Estratégico, com o propósito de aplicar em uma etapa preliminar de reflexão, a FMEA, que deve acontecer no momento de planejar, visto evidenciará os riscos de execução das ações propostas. O resultado do estudo de caso no Planejamento Estratégico apontou que as ações que ainda estão em andamento, após aplicação da FMEA, foram classificadas com nível moderado e alto, fato que alerta para a necessidade do tratamento dos riscos que envolva a ação, com o propósito de que os objetivos fossem atingidos dentro do período do planejamento. Ou ainda, poderia acontecer uma análise preliminar da ação para dimensionar sua colocação no PE com cumprimento apenas de etapas por envolver outros períodos futuros de gestões. Entretanto a sistemática de aplicação do modelo desenvolvido deve ser ajustado para propiciar a melhor facilidade do seu uso.

Deutscher Akademischer Austausch Dienst / A pesquisa busca compreender a relaÃÃo entre moradia e meio ambiente atravÃs da anÃlise dos conflitos envolvendo projeto urbanÃstico municipal para erradicaÃÃo de Ãreas de risco. O desafio que a pesquisa se coloca à observar se tais polÃticas de prevenÃÃo riscos e desastres ambientais no meio urbano tÃm alterado as formas de produÃÃo do espaÃo rumo a uma maior justiÃa ambiental. Parte-se do pressuposto que as medidas apresentadas para moradores de Ãreas de risco, por nÃo atacarem a origem dos problemas geradores de desigualdade ambiental, apresentam soluÃÃes ineficazes e precÃrias mantendo a populaÃÃo aprisionada ao circuito dos riscos, alÃm de se apresentar enquanto discurso legitimador da gentrificaÃÃo do espaÃo. Os moradores, por seu vez, elaboram estratÃgias argumentativas no sentido de garantirem seus direitos por meio de novas atribuiÃÃes de significado dos âriscosâ enquanto estratÃgia discursiva de poder. Tal anÃlise à feita empiricamente a partir de estudo de caso envolvendo o Programa Municipal de RequalificaÃÃo Urbana e InclusÃo Social â PREURBIS em Ãreas de risco no lugar chamado Boa Vista, localizadas no mÃdio curso do Rio CocÃ, Fortaleza-Ce. A Ãrea em que a populaÃÃo està sendo alocada apresenta tambÃm riscos devido a localizaÃÃo da nova moradia estar situada no entorno do lixÃo do Jangurussu. Do ponto de vista material essas âlutas por classificaÃÃesâ se articulam e redefinem disputas materiais entre a defesa do morar dessa populaÃÃo de baixa renda numa Ãrea bem localizada e bem servida de equipamentos pÃblicos e intervenÃÃes urbanas que tem valorizado o espaÃo na lÃgica capitalista, induzindo a substituiÃÃo dos antigos habitantes por outros de renda mais elevada e a retenÃÃo da terra urbana com fim especulativo. Adotou-se metodologia qualitativa com revisÃo de literatura, pesquisa documental, observaÃÃo participante e realizaÃÃo de entrevistas. / The research seeks to understand the relationship between housing and the environment by analyzing the conflicts involving municipal urban project to eliminate risk areas. The challenge that arises is to observe whether such risk prevention policies and environmental disasters in urban areas have been changing the forms (or ways) of space production towards greater environmental justice. It starts from the assumption that the measures presented for hazardous areas of residents by not attacking the source of generating problems of environmental inequality, present ineffective and poor solutions keeping the imprisoned population to the circuit of risk, and present while legitimizing discourse of gentrification of the area. The residents, in turn, develop strategies of resistance through new allocations of meaning of "risks" as a discursive strategy of power. Such analysis is done empirically from case study involving the Municipal Program of Urban Requalification and Social Inclusion - PREURBIS in hazardous areas at a place called Boa Vista, located in the middle course of Rio Coco, Fortaleza-Ce. The area where the population is being allocated also presents risks due to the new dwelling location being situated in the surroundings of the landfill âJangurussuâ. From the material point of view these "struggles for ratings" articulate and redefine material disputes between the defense of living of this low-income population in an area well located and well served by public facilities and urban interventions that have valued the space in the capitalist logic, inducing the replacement of the former inhabitants by other higher-income inhabitants and retention of urban land for speculative purposes. We adopted a qualitative methodology with literature review, document research, participant observation and interviews.