Análise de crédito: procedimentos para reduzir a inadimplência no comércio varejista de vestuário

Trabalho de Conclusão de Curso, apresentado para obtenção do grau de Bacharel em Administração, no curso de Administração de Empresas, da Universidade do Extremo Sul Catarinense, UNESC.O comércio está suscetível a instabilidade econômica do país e isso significa que todo o consumidor é importante para manutenção e o sucesso de um investimento no comércio varejista como um todo. Refletindo a situação objetivou-se analisar a quantidade e as técnicas de concessão de crédito utilizadas no comércio de Criciúma. Com o objetivo traçado, utilizou-se quando aos fins de investigação a pesquisa descritiva e quanto aos meios bibliográfica, de campo e estudo de caso. Tendo como público-alvo o comércio varejista de vestuário, aplicou-se uma pesquisa in loco nas lojas da praça Nereu Ramos no centro da cidade, no shopping das Nações, no shopping Criciúma e shopping Pórtico as margens da BR 101.Por meio de um questionário com técnicas de coleta de dados qualitativos e quantitativos, definiu-se uma estratégia a ser trabalhada no sentido de aprimorar as técnicas de concessão de crédito, bem como, a inclusão de potenciais consumidores. Percebeu-se que o perfil predominante dos clientes é composto em sua maioria por mulheres com idade igual ou superior a 55 anos, que possuem o ensino médio completo, residem em Criciúma e têm uma renda de até três salários mínimos. Optou-se então por produzir uma ferramenta (rating), que se bem ajustada e aplicada de forma correta pode significar a diferença entre a manutenção e o fracasso de um investimento no comércio varejista

Steps toward a shared governance response for achieving Good Environmental Status in the Mediterranean Sea

The Mediterranean region is of fundamental importance to Europe given its strategic position. The responsibility for its overall ecosystem integrity is shared by European Union Member States (EU-MS) and other Mediterranean countries. A juxtaposition of overlapping governance instruments occurred recently in the region, with the implementation of both the Marine Strategy Framework Directive (MSFD) for EU-MS and the Ecosystem Approach Strategy (ECAP) for all Mediterranean countries, including EU-MS. Both MSFD and ECAP are structured around vision-driven processes to achieve Good Environmental Status and a Healthy Environment, respectively. These processes have clear ecosystem-based, integrated policy objectives to guarantee the preservation and integrity of Mediterranean marine ecosystem goods and services. However, adoption of these instruments, especially those related to the new EUMS directives on marine policy, could result in a governance gap in addition to the well-known economic gap between the EU and the non-EU political blocs. We identify two complementary requirements for effective implementation of both MSFD and ECAP that could work together to reduce this gap, to ensure a better alignment between MSFD and ECAP and better planning for stakeholder engagement. These are key issues for the future success of these instruments in a Mediterranean region where discrepancies between societal and ecological objectives may pose a challenge to these processes

Measurement of χ c1 and χ c2 production with s√ = 7 TeV pp collisions at ATLAS

The prompt and non-prompt production cross-sections for the χ c1 and χ c2 charmonium states are measured in pp collisions at s√ = 7 TeV with the ATLAS detector at the LHC using 4.5 fb−1 of integrated luminosity. The χ c states are reconstructed through the radiative decay χ c → J/ψγ (with J/ψ → μ + μ −) where photons are reconstructed from γ → e + e − conversions. The production rate of the χ c2 state relative to the χ c1 state is measured for prompt and non-prompt χ c as a function of J/ψ transverse momentum. The prompt χ c cross-sections are combined with existing measurements of prompt J/ψ production to derive the fraction of prompt J/ψ produced in feed-down from χ c decays. The fractions of χ c1 and χ c2 produced in b-hadron decays are also measured

Doença de alzheimer: cognição e discurso narrativo com apoio em figuras

Objetivo investigar as características discursivas de pessoas com Doença de Alzheimer (DA) nos estágios moderado e moderado-grave por meio de uma tarefa com apoio em figuras; examinar possíveis falhas na expressão do conhecimento e a relação entre o discurso e a cognição. Métodos trata-se de um estudo com delineamento transversal, quantitativo, utilizando-se da análise de comparação de grupos. A amostra do grupo clínico foi constituída por dezoito participantes com DA (oito sujeitos com declínio cognitivo moderado (GDS 4), e dez com declínio cognitivo moderado-grave (GDS 5); o grupo controle foi composto de dezesseis sujeitos sem distúrbios neurológicos ou psiquiátricos. Todos sujeitos foram pareados quanto ao gênero, língua materna, idade e escolaridade e todos submetidos a avaliações de habilidades cognitivas. A tarefa discursiva consistiu na narrativa baseada em uma sequência de figuras do conto “Chapeuzinho Vermelho”. Resultados os sujeitos com DA apresentaram escores de coerência global mais baixos, bem como mais falhas na expressão de conhecimento do que sujeitos sem DA e suas características discursivas correlacionaram-se com suas habilidades cognitivas. Os grupos GDS 4 e GDS 5 diferiram com relação à coerência local. Conclusão o discurso dos participantes com DA caracteriza-se por falhas de coerência e informatividade que apresentam relações estreitas com seus déficits cognitivos

The association of indwelling urinary catheter with delirium in hospitalized patients and nursing home residents: an explorative analysis from the "Delirium Day 2015"

Backround: Use of indwelling urinary catheter (IUC) in older adults has negative consequences, including delirium. Aim: This analysis, from the "Delirium Day 2015", a nationwide multicenter prevalence study, aim to evaluate the association of IUC with delirium in hospitalized and Nursing Homes (NHs) patients. Methods: Patients underwent a comprehensive geriatric assessment, including the presence of IUC; inclusion criteria were age > 65 years, being Italian speaker and providing informed consent; exclusion criteria were coma, aphasia, end-of-life status. Delirium was assessed using the 4AT test (score ≥ 4: possible delirium; scores 1-3: possible cognitive impairment). Results: Among 1867 hospitalized patients (mean age 82.0 ± 7.5 years, 58% female), 539 (28.9%) had IUC, 429 (22.9%) delirium and 675 (36.1%) cognitive impairment. IUC was significantly associated with cognitive impairment (OR 1.60, 95% CI 1.19-2.16) and delirium (2.45, 95% CI 1.73-3.47), this latter being significant also in the subset of patients without dementia (OR 2.28, 95% CI 1.52-3.43). Inattention and impaired alertness were also independently associated with IUC. Among 1454 NHs residents (mean age 84.4 ± 7.4 years, 70.% female), 63 (4.3%) had IUC, 535 (36.8%) a 4AT score ≥ 4, and 653 (44.9%) a 4AT score 1-3. The multivariate logistic regression analysis did not show a significant association between 4AT test or its specific items with IUC, neither in the subset of patients without dementia. Discussion: We confirmed a significant association between IUC and delirium in hospitalized patients but not in NHs residents. Conclusion: Environmental and clinical factors of acute setting might contribute to IUC-associated delirium occurrence

"Delirium Day": A nationwide point prevalence study of delirium in older hospitalized patients using an easy standardized diagnostic tool

Background: To date, delirium prevalence in adult acute hospital populations has been estimated generally from pooled findings of single-center studies and/or among specific patient populations. Furthermore, the number of participants in these studies has not exceeded a few hundred. To overcome these limitations, we have determined, in a multicenter study, the prevalence of delirium over a single day among a large population of patients admitted to acute and rehabilitation hospital wards in Italy. Methods: This is a point prevalence study (called "Delirium Day") including 1867 older patients (aged 65 years or more) across 108 acute and 12 rehabilitation wards in Italian hospitals. Delirium was assessed on the same day in all patients using the 4AT, a validated and briefly administered tool which does not require training. We also collected data regarding motoric subtypes of delirium, functional and nutritional status, dementia, comorbidity, medications, feeding tubes, peripheral venous and urinary catheters, and physical restraints. Results: The mean sample age was 82.0 ± 7.5 years (58 % female). Overall, 429 patients (22.9 %) had delirium. Hypoactive was the commonest subtype (132/344 patients, 38.5 %), followed by mixed, hyperactive, and nonmotoric delirium. The prevalence was highest in Neurology (28.5 %) and Geriatrics (24.7 %), lowest in Rehabilitation (14.0 %), and intermediate in Orthopedic (20.6 %) and Internal Medicine wards (21.4 %). In a multivariable logistic regression, age (odds ratio [OR] 1.03, 95 % confidence interval [CI] 1.01-1.05), Activities of Daily Living dependence (OR 1.19, 95 % CI 1.12-1.27), dementia (OR 3.25, 95 % CI 2.41-4.38), malnutrition (OR 2.01, 95 % CI 1.29-3.14), and use of antipsychotics (OR 2.03, 95 % CI 1.45-2.82), feeding tubes (OR 2.51, 95 % CI 1.11-5.66), peripheral venous catheters (OR 1.41, 95 % CI 1.06-1.87), urinary catheters (OR 1.73, 95 % CI 1.30-2.29), and physical restraints (OR 1.84, 95 % CI 1.40-2.40) were associated with delirium. Admission to Neurology wards was also associated with delirium (OR 2.00, 95 % CI 1.29-3.14), while admission to other settings was not. Conclusions: Delirium occurred in more than one out of five patients in acute and rehabilitation hospital wards. Prevalence was highest in Neurology and lowest in Rehabilitation divisions. The "Delirium Day" project might become a useful method to assess delirium across hospital settings and a benchmarking platform for future surveys

Development and validation of a targeted gene sequencing panel for application to disparate cancers

Next generation sequencing has revolutionised genomic studies of cancer, having facilitated the development of precision oncology treatments based on a tumour’s molecular profile. We aimed to develop a targeted gene sequencing panel for application to disparate cancer types with particular focus on tumours of the head and neck, plus test for utility in liquid biopsy. The final panel designed through Roche/Nimblegen combined 451 cancer-associated genes (2.01 Mb target region). 136 patient DNA samples were collected for performance and application testing. Panel sensitivity and precision were measured using well-characterised DNA controls (n = 47), and specificity by Sanger sequencing of the Aryl Hydrocarbon Receptor Interacting Protein (AIP) gene in 89 patients. Assessment of liquid biopsy application employed a pool of synthetic circulating tumour DNA (ctDNA). Library preparation and sequencing were conducted on Illumina-based platforms prior to analysis with our accredited (ISO15189) bioinformatics pipeline. We achieved a mean coverage of 395x, with sensitivity and specificity of >99% and precision of >97%. Liquid biopsy revealed detection to 1.25% variant allele frequency. Application to head and neck tumours/cancers resulted in detection of mutations aligned to published databases. In conclusion, we have developed an analytically-validated panel for application to cancers of disparate types with utility in liquid biopsy

Measurement of J/ψ production in pp collisions at s√=2.76TeV

The production of J/ψ mesons is studied with the LHCb detector using data from pp collisions at s√=2.76 TeV corresponding to an integrated luminosity of 71 nb−1. The differential cross-section for inclusive J/ψ production is measured as a function of its transverse momentum p T. The cross-section in the fiducial region 0 < p T  < 12 GeV/c and rapidity 2.0 < y <4.5 is measured to be 5.6 ± 0.1 (stat) ± 0.4 (syst) μb, with the assumption of unpolarised J/ψ production. The fraction of J/ψ production from b-hadron decays is measured to be (7.1 ± 0.6 (stat) ± 0.7 (syst))%

Study of production and cold nuclear matter effects in pPb collisions at=5 TeV

Production of mesons in proton-lead collisions at a nucleon-nucleon centre-of-mass energy = 5 TeV is studied with the LHCb detector. The analysis is based on a data sample corresponding to an integrated luminosity of 1.6 nb(-1). The mesons of transverse momenta up to 15 GeV/c are reconstructed in the dimuon decay mode. The rapidity coverage in the centre-of-mass system is 1.5 < y < 4.0 (forward region) and -5.0 < y < -2.5 (backward region). The forward-backward production ratio and the nuclear modification factor for (1S) mesons are determined. The data are compatible with the predictions for a suppression of (1S) production with respect to proton-proton collisions in the forward region, and an enhancement in the backward region. The suppression is found to be smaller than in the case of prompt J/psi mesons