Porquê o factoring e o confirming como crédito de curto prazo?

Mestrado em Análise FinanceiraO crédito de curto prazo é absolutamente fundamental para a sobrevivência das empresas portuguesas, pois permite que estas façam face às suas necessidades de tesouraria, fundamentais na gestão do ciclo operacional das mesmas, em especial quando o prazo médio de recebimentos médio no país é elevado. Esta necessidade resulta em produtos de financiamento de curto prazo cada vez mais focados na eficiência e na facilidade de acesso, não descurando a análise do risco, traduzindo-se num aumento nos últimos anos do peso dos créditos tomados em contratos de factoring na economia. Além de resolverem problemas de tesouraria, o factoring e confirming apresentam vantagens quando comparados com outros instrumentos de financiamento de curto prazo. O factoring permite a otimização de custos e recursos, com a transferência de tarefas administrativas relacionadas com as funções de comunicação e de cobrança para cargo do banco com a cessão dos créditos. Permite ainda às empresas ter mais segurança no seu negócio graças à diminuição de créditos incobráveis e cobertura sobre o risco de insolvência. Já o confirming destaca-se pela rapidez e facilidade de acesso, além de expandir os prazos de pagamentos aos fornecedores. Da realização do estágio retira-se a observação desta realidade, através do grande fluxo de novas propostas diárias de contratos de factoring e de confirming, e do foco no objetivo de cumprimento dos prazos estabelecidos.Short-term credit is crucial for the survival of portuguese companies, since it allows those companies to deal with their treasury needs, which have a major importance in managing the operacional cycle of those companies, specially in Portugal where the total amount of time to get paid is high. Those needs results in short-term financing products more and more focused on eficiency and being easy to acess, while also making sure to keep a good risk of credit management. This has resulted in a bigger weight of the credits taken by factoring contracts in the overall economy. On top on dealing with those treasury needs, factoring and confirming also provide other benefits when compared to other short-term financial options. Factoring helps companies optimizing costs and resources, as they transfer administrative tasks related to communication with clients and with collection to the bank itself. It also provides a bigger security for companies operations as it lowers the risk of having bad debts and gives insurance against insolvency. As for Confirming, it shines for being acessible and having a fast implementation, and also permits delaying the payments to suppliers. Observation of this reality was possible within the duration of the internship, dealing with a big influx of new contract proposals for factoring and confirming, and from dealing with the focus on having a good performance with clients, fulfiling the deadlines.info:eu-repo/semantics/publishedVersio

ATLANTIC-PRIMATES: a dataset of communities and occurrences of primates in the Atlantic Forests of South America

Primates play an important role in ecosystem functioning and offer critical insights into human evolution, biology, behavior, and emerging infectious diseases. There are 26 primate species in the Atlantic Forests of South America, 19 of them endemic. We compiled a dataset of 5,472 georeferenced locations of 26 native and 1 introduced primate species, as hybrids in the genera Callithrix and Alouatta. The dataset includes 700 primate communities, 8,121 single species occurrences and 714 estimates of primate population sizes, covering most natural forest types of the tropical and subtropical Atlantic Forest of Brazil, Paraguay and Argentina and some other biomes. On average, primate communities of the Atlantic Forest harbor 2 ± 1 species (range = 1–6). However, about 40% of primate communities contain only one species. Alouatta guariba (N = 2,188 records) and Sapajus nigritus (N = 1,127) were the species with the most records. Callicebus barbarabrownae (N = 35), Leontopithecus caissara (N = 38), and Sapajus libidinosus (N = 41) were the species with the least records. Recorded primate densities varied from 0.004 individuals/km 2 (Alouatta guariba at Fragmento do Bugre, Paraná, Brazil) to 400 individuals/km 2 (Alouatta caraya in Santiago, Rio Grande do Sul, Brazil). Our dataset reflects disparity between the numerous primate census conducted in the Atlantic Forest, in contrast to the scarcity of estimates of population sizes and densities. With these data, researchers can develop different macroecological and regional level studies, focusing on communities, populations, species co-occurrence and distribution patterns. Moreover, the data can also be used to assess the consequences of fragmentation, defaunation, and disease outbreaks on different ecological processes, such as trophic cascades, species invasion or extinction, and community dynamics. There are no copyright restrictions. Please cite this Data Paper when the data are used in publications. We also request that researchers and teachers inform us of how they are using the data. © 2018 by the The Authors. Ecology © 2018 The Ecological Society of Americ

A soil emergence trap for collections of phlebotomine sand flies

The identification of breeding sites of sand flies is of great epidemiological interest. A soil emergence trap for investigating potential sand fly breeding sites is described. The trap was tested in two rural areas in the Mogi Guaçu River Valley where the American cutaneous leishmaniasis is an endemic disease. Seventy-three sand fly individuals of three species, Lutzomyia intermedia s. l., L. whitmani and L. pessoai, were collected on the forest floor and peridomicile

Concentrações séricas de imunoglobulinas em sangue do funículo umbilical e em sangue materno no momento do parto Immunoglobulins concentration in umbilical cord blood and in maternal blood at delivery

OBJETIVO: Identificar as concentrações das imunoglobulinas no sangue do funículo umbilical comparando-as às do sangue materno no momento do parto. MÉTODOS: Foram analisadas amostras colhidas de 323 RN e de 321 mães pelo método de turbidimetria. Os resultados foram submetidos à análise estatística, estabelecendo-se coeficiente de correlação r e nível de significância p 0,05. As retas de regressão obedeceram ao limite de 95%. RESULTADOS: Houve aumento progressivo de IgG sérica do RN, diretamente proporcional à idade gestacional ( r=0,31;p=0,0001); quanto ao peso de nascimento, esta relação não foi tão evidente (r=0,14;p=0,008), possivelmente por estarem incluídos na amostra RNPT e RN com restrição ao crescimento intra-uterino. O aumento da IgG do RN foi maior que o da mãe (r=0,20;p=0,0001). Houve queda de concentração da IgM com o aumento da idade materna e aumento da IgM e IgA maternas comparadas à IgG do RN. Observou-se queda da concentração de IgG do funículo umbilical quando relacionada ao tempo maior de ruptura da bolsa (r=-0,13;p=0,018). CONCLUSÕES: A concentração de IgG no funículo umbilical aumentou proporcionalmente à idade gestacional e diminuiu com tempo maior de ruptura de membranas.Concentrações de IgM e IgA no sangue materno aumentaram significativamente quantdo comparadas à IgG do funículo umbilical e a IgM diminuiu significativamente com o aumento da idade materna.<br>PURPOSE: To compare the immunoglobulins concentration in umbilical cord blood and in venous maternal blood at delivery. METHODS: imunoglobulin's concentration was determined by Behringer turbitime System from serum samples of 323 umbilical cords and 321 peripheral maternal veins. The results were statistically analysed, correlation coeficient r was calculated; statistical significance established at p= or<0,05, with regression curves limit of 95%. RESULTS: IgG concentracion progressively increased with gestational age (r- 0,31;p=0,0001) and with increasing birth weight (0,14;p=0,08). The relation with birth weight, although significant was not so expressive as with gestational age probably depending of inclusion of preterm and intrauterine groowth restraint infants in the data. IgG concentracion was higher in cord blood than in mother's serum (r=0,02;p=0,0001). IgM concentracion lowers as mother's age increases. Mother's IgM and IgA were higher if comparad to IgG of cord blood; IgG of cord blood lowes as time of rupture of membranes increeases (r=-0,13;p=0,018). CONCLUSIONS: IgG concentracion increases with increasing gestational age and lowers as the time of rupture of membranes increases. IgM and IgA of maternal blood are higher when compared to IgG of umbilical cord. IgM lowers when maternal age increases