PENGARUH RISIKO USAHA DAN RENTABILITAS TERHADAP MODAL PADA BANK UMUM SWASTA NASIONAL DEVISA

This research aims to analyze whether LDR, IPR, NPL, IRR, PDN, FBIR, BOPO, and ROE simultaneously and partially have influence significant toward CAR on Devisa National Private Banks. The sampel of this research are four banks, namely : Bank International Indonesia, Bank Mega, Bank OCBC NISP, and Bank UOB Indonesia. Data and collecting data method in this research is secondary data which is taken from financial report of Devisa National Private Banks started from the first quarter 0f 2009 until the year quarter II 2013. The technique of data analyzing in this research is descriptive analyze and using multiple regression analyze. Based on calculations and result from using SPSS 11.5 for windows, state that LDR, IPR, NPL, IRR, PDN, FBIR, BOPO, and ROE have significant influence simultaneosusly to CAR on Devisa National Private Banks. LDR, NPL, and ROE partially have negative unsignificant influence toward CAR on Devisa National Private Banks. IPR, IRR, PDN, and FBIR have positive unsignificant influence partially to CAR on Devisa National Private Banks. BOPO have negative significant influence partially to CAR on Devisa National Private Banks. Keyword : Business Risk, Profitability, Capital, LDR, IPR, NPL, IRR, PDN, FBIR, BOPO, ROE, and Capital Adequancy Rati

RANCANG BANGUN SISTEM INFORMASI ADMINISTRASI PENJUALAN PATUNG BERBASIS WEB (STUDI KASUS : KOMPANHIA ZEZY JOPI UNIPESSOAL LDA.BAUCAU-TIRILOLO-VILA-NOVA,BETO-COMORO-DILI-TIMOR-LESTE)

Proses produksi memiliki tujuan menghasilkan produk atau jasa. Untuk menghasilkan produk yang mangsimal, maka memerlukan sistem yang menunjang proses tersebut. Dengan adanya sistem informasi administrasi penjualan patung yang berbasis web, dapat menunjang produksi produk dengan hasil yang maksimal. Untuk merancang sistem informasi administrasi penjulanpatung diperlukan microsoft visio, untuk proses perancangan documnet flow dan flowchart sistem, sedangkan proses perancangan DFD, CDM, dan PDM menggunakan power designer, dan untuk pembutan sistem informasi administrasi penjualan patung menggunkan bahasa pemrograman PHP, dan database menggunkan MYSQL. Output yang akan dihasilkan oleh sistem informasi administrasi penjualan patung berupa nota penjulan, bukti pembelian bahan baku. dan Laporan pembelian bahan baku barang secara periodik. Kata Kunci : Sistem informasi, administrasi, penjualan

Educação a Comunicação Museal: a emissão de rádio Papo de Criança

The article discusses the concepts of museum education and communication from the examining boards’ narratives of 55 radio broadcasts of the program: Papo de Criança, developed by Guignard House Museum in Ouro Preto (MG) between the years 1994 and 1997. An analysis of context-producing emissions by 19 frames of textual narratives. Such frameworks allowed the characterization of the organization, content and actors, and museological aspects of education and communication programs that emerge. These characteristics are dated and contextualized in the museum insertion time of Ouro Preto cultural scene. The character of museum and communication education program can be considered a key of good dialogue that was established later between different cultural and economic sectors of the city and the museum staff.O artigo discute os conceitos de educação e comunicação museal a partir da análise de quadros de narrativas de 55 emissões radiofônicas do programa: Papo de Criança,desenvolvido pelo Museu Casa Guignard em Ouro Preto (MG) entre os anos de 1994 e 1997. Realizamos uma análise do contexto de produção de 19 emissões por meio dequadros de narrativas textuais. Tais quadros permitiram a caracterização da organização, conteúdos e atores, e de aspectos da educação e comunicação museais que emergem dos programas. Essas características são datadas e contextualizadas em um momento de inserção do museu no cenário cultural da cidade de Ouro Preto. O caráter de educação e comunicação museal nesse programa pode ser considerado um elemento decisivo para a boa interlocução que se estabeleceu posteriormente entre os diferentes setores culturais e econômicos da cidade e a pequena equipe do museu

A Recompra de ações e a análise fundamentalista: um estudo empírico na Bovespa no período de 1994 a 2006

This study examines whether there is a relation between stock repurchase announcements and abnormal returns of companies classified as winners and losers. The classification as winners or losers followed the method suggested by Piotroski (2000), as adapted to the Brazilian market by Lopes & Galdi (2007). The data were obtained from the Economática database, referring to companies listed on the São Paulo Stock Exchange (Bovespa) in the period from 1994 to 2006. The hypotheses were tested through regression with panel data. The results show no abnormal returns for both winners and losers that announced share repurchases in the entire study period, without specifying whether this was before or after issuance in 1999 of Instruction 299 by the Brazilian Securities Commission (CVM), which enhanced protection of minority shareholders in public tender offers. After segregating the study period into two sub-periods, before and after the new rules, we found a negative relation with abnormal returns for losers that announced repurchases in the earlier period (1994 to 1999), while there was no statistically significant relation for winners. For the 2000-2006 period, however, there was a positive relation with abnormal returns for both winners and losers.Este estudo objetiva verificar se existe relação entre o anúncio de recompra de ações por empresas winners ou empresas losers e o retorno anormal. A classificação das empresas em winners e losers segue a metodologia proposta por Piotroski (2000) e adaptado ao mercado brasileiro por Lopes e Galdi (2007). Os dados utilizados foram obtidos na base de dados Economática. Os dados se referem às empresas listadas na Bovespa no período de 1994 a 2006. O teste das hipóteses foi realizado por meio da análise de regressão com dados em painel. Verificou-se que tanto as empresas winners quanto as empresas losers, que anunciaram a recompra de ações no período de 1994 a 2006, não têm relação com o retorno anormal, sem especificar o período antes e após a Instrução CVM 299/1999. Ao segregar o período em antes e após a Instrução CVM 299/1999, há relação negativa entre as empresas losers que anunciaram a recompra de ações no período de 1994 a 1999, enquanto as empresas winners não têm relação estatisticamente significante com o retorno anormal. Verificou-se também que tanto as empresas winners quanto as empresas losers, que anunciaram a recompra de ações no período de 2000 a 2006, têm relação positiva com o retorno anormal

PRÁTICAS CORPORAIS COMO ELEMENTOS CONSTITUTIVOS DA IDENTIDADE CULTURAL DOS POVOS E GRUPOS, UTILIZANDO AULAS DE DANÇA, JOGOS E COMUNICAÇÃO

Historically, the body practices offered by Physical Education are distributed in five main areas: gymnastics, sport, game, dance, and fight, in a curricular program for the different levels of education; however, little has been written about the purposes and activities of Physical Education for Children Education, being limited to recommend only recreational activities for this level of Basic Education. Little is said about the lesson of Physical Education as a pedagogical act, with its objectives and intervention strategies that consider the processes of development and learning. Referring to the methodology applied to build this brief study, we mention the choice of bibliographic research, of a qualitative nature with a descriptive approach, seeking to describe the reality found and observed. In this sense, it is understood that in Kindergarten, body activities should give way to psychomotricity, seeking theoretical and practical foundations that serve as instruments to act in this stage of Basic Education, using the act of playing as a pedagogical anchor. In view of the above, this research aims to present the importance of body practices as constitutive elements of cultural identity. It concludes, therefore, the importance of working with games, dances, and communication, especially when talking about the work faced by the corporal practice demonstrating the identity of human beings.Históricamente, las prácticas corporales ofrecidas por la Educación Física se distribuyen en cinco grandes aspectos: gimnasia, deporte, juego, danza y lucha, en una programación curricular para los diferentes niveles de enseñanza, sin embargo, poco se ha escrito sobre los propósitos y actividades de la Educación Física para la Educación Infantil, limitándose a recomendar para este nivel de la Educación Básica, sólo actividades recreativas. Poco se habla de la lección de la Educación Física como acto pedagógico, con sus objetivos y estrategias de intervención que consideran los procesos de desarrollo y aprendizaje. Refiriéndose a la metodología aplicada para la construcción de este breve estudio, se cita la elección de la investigación bibliográfica, de naturaleza cualitativa con enfoque descriptivo, buscando describir la realidad encontrada y observada. En este sentido, se entiende que en la educación infantil las actividades corporales deben dar paso a la psicomotricidad, buscando fundamentos teóricos y prácticos que sirvan de herramientas para actuar en esta etapa de la educación básica, utilizando el acto de jugar como anclaje pedagógico. Teniendo en cuenta lo anterior, esta investigación pretende presentar la importancia de las prácticas corporales como elementos constitutivos de la identidad cultural. Se concluye, por lo tanto, la importancia de trabajar los juegos, las danzas y la comunicación, especialmente cuando se habla del trabajo que enfrenta la práctica corporal demostrando la identidad del ser humano.Historicamente as práticas corporais oferecidas pela Educação Física estão distribuídas em cinco grandes vertentes: a ginástica, o desporto, o jogo, a dança e a luta, em uma programação curricular para os diferentes níveis de ensino, porém, pouco se tem escrito sobre as finalidades e atividades de Educação Física para a Educação Infantil, sendo limitado recomendar para este nível da Educação Básica, apenas atividades recreativas. Pouco se fala na aula de Educação Física como ato pedagógico, com seus objetivos e estratégias de intervenção que considerem os processos de desenvolvimento e de aprendizagem. Referindo-se à metodologia aplicada para a edificação deste breve estudo, cita-se a escolha da pesquisa bibliográfica, de natureza qualitativa com abordagem descritiva, buscando descrever a realidade encontrada e observada. Neste sentido, entende-se que na Educação Infantil as atividades corporais devam ceder lugar para a psicomotricidade, buscando fundamentos teóricos e práticos que sirvam de instrumental para atuar nesta etapa da Educação Básica, utilizando o ato de brincar como âncora pedagógica. Diante do exposto, esta pesquisa visa apresentar a importância das práticas corporais como elementos constitutivos da identidade cultural. Conclui-se, pois, a importância de se trabalhar jogos, danças e comunicação, especialmente quando se fala do trabalho encarado pela prática corporal demonstrando a identidade dos seres humanos.Historicamente as práticas corporais oferecidas pela Educação Física estão distribuídas em cinco grandes vertentes: a ginástica, o desporto, o jogo, a dança e a luta, em uma programação curricular para os diferentes níveis de ensino, porém, pouco se tem escrito sobre as finalidades e atividades de Educação Física para a Educação Infantil, sendo limitado recomendar para este nível da Educação Básica, apenas atividades recreativas. Pouco se fala na aula de Educação Física como ato pedagógico, com seus objetivos e estratégias de intervenção que considerem os processos de desenvolvimento e de aprendizagem. Referindo-se à metodologia aplicada para a edificação deste breve estudo, cita-se a escolha da pesquisa bibliográfica, de natureza qualitativa com abordagem descritiva, buscando descrever a realidade encontrada e observada. Neste sentido, entende-se que na Educação Infantil as atividades corporais devam ceder lugar para a psicomotricidade, buscando fundamentos teóricos e práticos que sirvam de instrumental para atuar nesta etapa da Educação Básica, utilizando o ato de brincar como âncora pedagógica. Diante do exposto, esta pesquisa visa apresentar a importância das práticas corporais como elementos constitutivos da identidade cultural. Conclui-se, pois, a importância de se trabalhar jogos, danças e comunicação, especialmente quando se fala do trabalho encarado pela prática corporal demonstrando a identidade dos seres humanos

A Superposition Approach to Aerodynamic Modelling of a Capturing Device used for In-Air Capturing of a Reusable Launch Vehicle

This study will focus on a detailed aerodynamic analysis of the capturing device used in an innovative reusable launcher recovery concept called "In-Air Capturing". The idea involves capturing of a Reusable Launch Vehicle (RLV) mid-air and towing it back to launch site using an aircraft. For the capture, a device is released from the aircraft when the RLV is in vicinity. The preliminary design of this device includes a 2 m long fuselage and four large fins for agility. It is capable of pitching, yawing and rolling by symmetrically deflecting horizontal, vertical and all flaps respectively. However, for 6DOF movement, the flaps must be deflected asymmetrically in the presence of angle of attack and sideslip angle. This entails the requirement for a large dataset to effectively define the aerodynamics of the system. While a broad dataset can be generated using theoretical methods, the resulting large data tables with acceptable accuracy may not be sufficient. It is possible to achieve even better accuracy through Computational Fluid Dynamics (CFD), but the computational effort required to generate the complete aerodynamic dataset is infeasible. An alternative approach to achieve a good balance in accuracy and computation time can be used by taking advantage of the axisymmetric geometry. Thus, the paper proposes a way in which numerical CFD data for symmetric flap deflections are superimposed to achieve asymmetric flap datasets. The relative deviation of this method is compared against data generated using the semi-empirical tool Missile Datcom and validated using additional CFD calculations. Anomalies and sources of possible inaccuracies are also identified

Control Design and Analysis of a Capturing Device Performing In-Air Capturing of a Reusable Launch Vehicle

The innovative "In-Air-Capturing (IAC)" recovery method involves winged rocket stages being captured mid-air and towed back to the launch site. This patented approach by German Aerospace Center (DLR), shows potential for substantial cost reduction by eliminating the need for an additional propulsion system during descent. An important operation in IAC involves a capturing device attached to a rope, which is released from a towing aircraft. This device must autonomously navigate its way to the winged launcher stage in the vicinity of the aircraft. This process known as capture phase of "In-Air Capturing" is expected to last about 70 s. The device must overcome disturbing forces originating from the flexible rope and wake of the aircraft to establish connection with the launcher stage. This paper studies the modelling and simulation of the capture phase. The main focus lies on the flexible dynamics of the rope and the control of the capturing device. First, extensive sensitivity studies are performed to select the best configuration for the rope. Then, a robust feedback controller including active damping is proposed to mitigate the vibrations from the rope and allow the capturing device to maneouvre with agility and accuracy. Using open loop tests, it is confirmed that the system remains stable. The rope is also proved to be strong enough to support the towing loads from pulling a large launcher stage. Closed loop tests show that the device is able to perform multiple maneouvres within the capture window. However, the device was unable to maneouvre when exposed to the strong regions of wake. A longer rope is proposed to mediate the effect of wake in future simulations

Microbiological and physicochemical evaluation of the UHT milk marketed in Nossa Senhora da Glória – SE / Avaliação microbiológica e físico-química do leite UHT comercializado em Nossa Senhora da Glória – SE

UHT milk is defined as the homogenized milk submitted at 130 °C to 150 °C for 2 to 4 seconds in a continuous flow system and cooled to a temperature below 32 °C and packed under aseptic conditions. One of the obstacles of the production chain is the suitability of the product to the quality standards. The objective was to evaluate the microbiological and physicochemical quality of UHT milk marketed in the city of Nossa Senhora da Glória, Sergipe. Samples of three brands were evaluated regarding the mesophilic aerobic bacteria count, sporulated bacteria count, pH, acidity, density, cryoscopic index, protein, fat, total dry extract, defatted dry extract, cooking and alcohol stability. All samples were according to the microbiological standard. Variations were observed in relation to the physicochemical analysis only in the cryoscopic index and pH. The adoption of quality control programs in the milk production chain is fundamental for obtaining products according to the quality standards and prevention of economic losses. 

CFD analysis of interaction effects between vehicles in formation flight for in-air capturing of reusable launchers

Reusing the complex, high performance, high-cost rocket stages and engines by returning them back to their launch site is becoming important not only from economical aspects but also from an ecological point of view. An innovative return mode, ‘in-air capturing (IAC)’, is chosen as it provides potential for a better performance by reducing the overall fuel consumption, when compared to other approaches like vertical landing. In this mode, a winged reusable launcher vehicle (RLV), which has slowed down to subsonic velocity through atmospheric braking is captured using an aircraft and towed back to launch site. First, the vehicles approach each other in a parallel formation with similar velocities by keeping a safe distance between them. During this formation, a capturing device autonomously captures the RLV. Once the connection has been achieved, the captured configuration is pulled up from a gliding flight to cruise flight with a towing aircraft serving as an external propulsion system to the RLV. During these phases, the RLV is exposed to the wake of the towing aircraft and will face disturbances that will likely lead to a reduction in formation envelope. The impact of proximity between the capturing device and the RLV should also be evaluated to investigate the complex interactions which would alter the aerodynamic performances of both vehicles after connection. Moreover, in the next phase, the connected configuration must pull-up from a descent to cruise flight. For this the towing aircraft will be at high angle of attacks leading to strong downwash velocity in the wake that must be studied further. In this work, a full-scale three-dimensional RANS simulation will be performed with the open source CFD code OpenFOAM 6.0 using the k-ω SST turbulence model and a compressible solver rhoSimpleFoam to investigate aforementioned issues. The CFD results will be analysed to gain better insight in the flow field and interaction effects between the three vehicles and their aerodynamic performance used for the flight dynamics simulation of IAC