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Compreendendo as estratégias de sobrevivência de jovens antes e depois da internação na FEBEM de Ribeirão Preto.; The surviving strategies in order to get money and accessibility to consumer goods of 104 boarder youngsters at an institution named FEBEM in Ribeirão Preto.

Almeida, Marília Mastrocolla de
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Dissertação de Mestrado Formato: application/pdf
Publicado em 22/11/2002 PT
Relevância na Pesquisa
46.44%
Historicamente, as crianças e os jovens marginalizados buscam várias alternativas para conseguir recursos para o próprio sustento ou de sua família. Dentre elas, sempre estiveram o ato infracional, o trabalho infantil e o trabalho em situação de rua. Há, atualmente, um grande contingente desses “trabalhadores”, o que torna explicita as falhas das políticas públicas com essa população. A principal ênfase das políticas de atendimento tem sido a inclusão desses jovens no trabalho, como a forma de promover a “inclusão social” dos mesmos. Sendo assim, o presente trabalho teve como proposta contribuir com essa problemática, realizando um caracterização geral e conhecendo as estratégias de sobrevivência para conseguir dinheiro e acesso aos bens de consumo de 104 jovens internos na FEBEM de Ribeirão Preto no período de junho a agosto de 2000. Foram utilizados para coleta dos dados um roteiro estruturado para a realização de entrevistas individuais e a realização de notas em diário de campo para registro das atividades realizadas durante o estudo. Dentre os resultados encontrados observamos que a maioria dos jovens reside em bairros periféricos de Ribeirão Preto e tem escolaridade de 5a e 6a série incompletas. A maioria dos jovens foi internado devido a prática de roubo e homicídio...

Análise do uso do design no processo de desenvolvimento de produtos em empresas desenvolvedoras de bens de consumo; Analysis of the design use in the product development process in consumer goods developing companies

Andrade, Patricia Deporte de
Fonte: Universidade Federal do Rio Grande do Sul Publicador: Universidade Federal do Rio Grande do Sul
Tipo: Dissertação Formato: application/pdf
POR
Relevância na Pesquisa
66.55%
O design tem sido cada vez mais reconhecido como uma fonte de vantagem competitiva para as empresas, sendo considerado uma atividade estratégica no desenvolvimento e no sucesso comercial de produtos baseados em diferenciação. Percebendo a relevância do design na competitividade da indústria, a presente pesquisa teve como objetivo principal a realização de uma análise do uso do design no processo de desenvolvimento de produtos (PDP) em empresas desenvolvedoras de bens de consumo. Através dessa análise, buscou-se caracterizar a atuação e a função do design, identificando também os fatores facilitadores e inibidores das práticas de design nas empresas estudadas. Visando o alcance dos objetivos propostos, optou-se como procedimento metodológico uma abordagem qualitativa de estudos de casos múltiplos, selecionando-se quatro empresas como objetos de pesquisa. A coleta de dados do trabalho consistiu em entrevistas com o setor de desenvolvimento de produtos de cada uma das empresas, sendo dividida em seis etapas: a primeira foi destinada à coleta de informações institucionais; a segunda consistiu na modelagem do processo de desenvolvimento de produtos; a terceira investigou o processo de design; a quarta caracterizou o perfil dos entrevistados; a quinta identificou as atividades desempenhadas pelos entrevistados e...

Responsabilidade do produtor perante o consumidor na venda de bens de consumo; Responsibility of the producer to the consumer in the sale of consumer goods

Araújo, Bernardo Joaquim Azevedo Evangelista Esteves
Fonte: Universidade do Minho Publicador: Universidade do Minho
Tipo: Dissertação de Mestrado
Publicado em //2014 POR
Relevância na Pesquisa
46.72%
Dissertação de mestrado em Direito dos Contratos e da Empresa; A presente dissertação dedica-se ao estudo da compra e venda de bens de consumo, particularmente da responsabilidade do produtor perante o consumidor pela desconformidade dos bens de consumo por si fabricados. A consagração de tal responsabilidade foi ponderada na Diretiva de 1999/44/CE, do Parlamento Europeu e do Conselho, de 25 de Maio, sobre certos aspetos da venda de bens de consumo e das garantias a ela relativas. No entanto, não foi consagrada no texto comunitário, circunstância que não obstou à sua previsão pelo legislador português, no Decreto –Lei n.º 67/2003, de 8 de Abril, com a redação do Decreto – Lei n.º 84/2008, de 21 de Maio. Este trabalho encontra-se estruturado em dois capítulos. No primeiro capítulo, procedemos a uma breve análise do regime geral da compra e venda de coisas defeituosas constante do código civil, analisamos a Diretiva 1999/44/CE, seus princípios orientadores, bem como o DL n.º 67/2003, de 8 de Abril, com as alterações introduzidas pela redação do DL n.º 84/2008, de 21 de Maio, o qual constitui o regime especial, aplicável à compra e venda de bens de consumo entre um vendedor profissional e um consumidor – e bem ainda elencaremos os direitos e garantias conferidos ao consumidor por força dessa Diretiva. No capítulo II...

Remittances, Consumption and Investment in Ghana

Adams, Richard H., Jr.; Cuecuecha, Alfredo; Page, John
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Relevância na Pesquisa
46.54%
This paper uses a new, nationally-representative household survey from Ghana to analyze within a rigorous econometric framework how the receipt of internal remittances (from within Ghana) and international remittances (from African or other countries) affects the marginal spending behavior of households on a broad range of consumption and investment goods, including food, education and housing. Contrary to other studies, which find that remittances are spent disproportionately on consumption (food and consumer goods/durables) or investment goods (education and housing), the findings show that households receiving remittances in Ghana do not spend more at the margin on food, education and housing than households with similar income levels and characteristics that do not receive remittances. When the analysis controls for endogeneity and selection bias, the findings show that any differences in the marginal spending behavior between remittance-receiving and non-receiving households are explained completely by the observed and unobserved characteristics of households. Households in Ghana treat remittances just like any other source of income...

Czech Republic : Technical Note on Consumer Protection in Financial Services

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
46.41%
This Technical Note has been prepared by the World Bank at the request of the Ministry of Finance of the Czech Republic and is the first in a pilot series of financial consumer protection assessments focus on consumer protection in several parts of the financial sector including banking, consumer finance, insurance, private pensions and collective investment funds. The assessments attempt to identify key components of strong consumer protection in financial services and stimulate debate on what reforms may be needed.

Slovakia : Technical Note on Consumer Protection in Financial Services, Volume 1. Main Report

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
46.42%
As financial markets develop and deepen, one of the key issues for the fair, open and efficient operation of the markets is the protection of consumers rights in financial services. Be they bank depositors or borrowers or investors in insurance policies, securities or investment or pension funds, financial consumers need the ability to accurately understand the terms and conditions of their contracts and take action if the terms of contracts have been violated. The Note is the second report in a pilot program to analyze consumer protection in financialservices.The objectives of the Note are three-fold, to: (1) present a set of draft good practices for assessing consumer protection in financial services; (2) conduct a review of the existing rules and practices in Slovakia compared to the draft practices; and (3) provide recommendations on ways to improve consumer protection in financial services in Slovakia. The Technical Note wasprepared at the request of the Slovak Ministry of Finance, with the valuable support of the National Bank of Slovakia and other government agencies...

Income-Related Biases in International Trade : What Do Trademark Registration Data Tell Us?

Fink, Carsten; Smarzynska Javorcik, Beata; Spatareanu, Mariana
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
46.54%
Economists have long recognized that richer countries trade more among themselves than with poorer economies due to a closer match of exporter supply structures and importer preferences. In the literature, the closeness of supply and demand has traditionally been determined by the quality of products-as expressed in the so-called Linder hypothesis. This paper examines an extension of the Linder hypothesis by also considering the extent of horizontal product differentiation as another determinant of the closeness of supply and demand. The empirical analysis employs information on international trademark registrations to test whether richer countries import more from countries whose exports are of higher quality and exhibit a greater degree of product differentiation. The results lend support to the hypothesis in most consumer goods sectors but not in intermediate goods sectors.

Croatia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
46.41%
As financial markets develop and deepen, one of the key issues for a fair, open and efficient market is effective consumer protection and financial literacy. The European Union takes the approach that an effective regime of financial consumer protection should allow consumers to have access to: sufficient information to make informed decisions about their financial choices; cost-effective recourse mechanisms to redress violations of financial service contracts; and programs of consumer education and financial literacy that empower them to understand their financial rights and obligations. This review has found that the quality of consumer protection in financial services in Croatia has improved in recent years. In particular, the approval of the 2007 Consumer Protection Act incorporated many of the EU Directives related to financial consumer protection. In addition, the National Council on Consumer Protection was established in 2008 to advise the Government on its national strategy for consumer protection in the coming years. A nation-wide baseline survey of financial literacy would provide useful information in designing programs in financial education and consumer awareness. As pioneered in the United Kingdom...

Kyrgyz Republic : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
46.4%
The Diagnostic Review for Consumer Protection and Financial Literacy (CPFL) provides a detailed assessment of the institutional, legal and regulatory framework for consumer protection in two segments of the financial sector: banking and microfinance. The review was undertaken in response to a request for technical assistance in the field of financial consumer protection made by the National Bank of the Kyrgyz Republic (NBKR) in November 2012.

Jamaica Consumer Protection and Financial Literacy

World Bank; International Monetary Fund
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
46.4%
This technical note is based on a mission conducted from April 24 to May 9, 2014 to Kingston and other parts of Jamaica. The mission also conducted a short mystery shopping exercise with the assistance of a representative from the national consumer’s league. Valuable comments on the draft note were provided by the Bank of Jamaica and the Financial Services Commission. The technical note consists of findings, issues and recommendations, and four annexes: annex one, existing structure for prudential and consumer protection supervision; annex two, current and revised legislation affecting financial consumer protection; annex three, comparison to world bank good practices on financial consumer protection; and annex four, national program of consumer protection and financial literacy, implementation plan components. The key recommendations present targeted measures that can be immediately implemented and will have a positive (and measurable) impact on public confidence in formal financial institutions. The focus of the technical note is on deposit-taking institutions although some aspects of others parts of the financial sector have been included.

Distributional Impacts of Energy Cross-Subsidization in Transition Economies

Grainger, Corbett; Zhang, Fan; Schreiber, Andrew
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
46.62%
Subsidies and cross-subsidies in the energy sector are common throughout Eastern Europe and Central Asia. In Belarus, revenues from an industrial tariff on electricity are used to cross-subsidize heating for households. Input-output (IO) data and a household consumption survey are used to analyze the distributional impacts of this cross-subsidization. This paper illustrates cost shares and electricity-intensity of different sectors and consumption categories and uses the IO data to obtain first-order estimates of the distributional incidence of policy reform. The paper then analyzes distributional impacts of subsidy reform with a Computable General Equilibrium model. Although poorer households benefit from reduced heating costs, the increase in prices of other consumer goods due to higher electricity prices more than offsets the benefits they receive from the subsidies. The analysis finds that the current cross-subsidies are regressive, and policy reform would be highly progressive.

Nowcasting Prices Using Google Trends

Seabold, Skipper; Coppola, Andrea
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
46.44%
The objective of this study is to assess the possibility of using Internet search keyword data for forecasting price series in Central America, focusing on Costa Rica, El Salvador, and Honduras. The Internet search data comes from Google Trends. The paper introduces these data and discusses some of the challenges inherent in working with it in the context of developing countries. A new index is introduced for consumer search behavior for these countries using Google Trends data covering a two-week period during a single month. For each country, the study estimates one-step-ahead forecasts for several dozen price series for food and consumer goods categories. The study finds that the addition of the Internet search index improves forecasting over benchmark models in about 20 percent of the series. The paper discusses the reasons for the varied success and potential avenues for future research.

Housing and Urbanization in Africa : Unleashing a Formal Market Process

Collier, Paul; Venables, Anthony J.
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
46.5%
The accumulation of decent housing matters both because of the difference it makes to living standards and because of its centrality to economic development. The consequences for living standards are far-reaching. In addition to directly conferring utility, decent housing improves health and enables children to do homework. It frees up women's time and enables them to participate in the labor market. More subtly, a home and its environs affect identity and self-respect. Commentary on the emergence of an African middle class has become common, but it is being defined in terms of discretionary spending and potential for consumer markets. A politically more salient definition of a middle class will be in terms of home ownership and the consequent stake in economic stability. This paper examines why such a process has not happened in Africa. The hypothesis is that the peculiarity of housing exposes it to multiple points of vulnerability not found together either in private consumer goods or in other capital goods. Each point of vulnerability can be addressed by appropriate government policies...

An Empirical Investigation of the Nexus among Money Balances, Commodity Prices and Consumer Goods’ Prices

Grigoli, Francesco
Fonte: Banco Mundial Publicador: Banco Mundial
Tipo: Publications & Research :: Policy Research Working Paper
ENGLISH
Relevância na Pesquisa
46.52%
This paper aims to identify the nexus between the excess of liquidity in the United States and commodity prices over the 1983-2006 period. In particular, it assesses whether commodity prices react more powerfully than consumer goods' prices to changes in real money balances. Within a cointegrated vector autoregressive framework, the author investigates whether consumer prices and commodity prices react to excess liquidity, and if the different price elasticities of supply for goods and commodities allow for differences in the dynamic paths of price adjustment to a liquidity shock. The results show a positive relationship between real money and real commodity prices and provide empirical evidence for a stronger response of commodity prices with respect to consumer goods' prices. This could imply that, if the magnitude of the reaction is due the fact that consumer goods' prices are slower to react, then their long-run value can be predicted with the help of commodity prices. The findings support the view that the latter should be considered as a valid monetary indicator.

Satisfaction with Life and Service Delivery in Eastern Europe and the Former Soviet Union : Some Insights from the 2006 Life in Transition Survey

Zaidi, Salman; Alam, Asad; Mitra, Pradeep; Sundaram, Ramya
Fonte: World Bank Publicador: World Bank
Tipo: Publications & Research :: Publication; Publications & Research :: Publication
ENGLISH
Relevância na Pesquisa
46.5%
The main objective of the Life in Transition Survey (LiTS) was to assess the impact of transition on people, and so the survey questionnaire covered four main themes. First, it collected personal information on aspects of material well-being, including household expenditures, possession of consumer goods such as a car or mobile phone, and access to local public services and utilities. Second, the survey included measures of satisfaction and attitudes towards economic and political reforms as well as public service delivery. Third, the LiTS captured individual 'histories' through transition from around 1989 to the present, especially key events and episodes that may have influenced their attitudes towards reforms, and collected information on individuals; family background, on their employment situation, and on coping strategies during transition. Finally, the survey also attempted to capture the extent to which crime and corruption are affecting peoples' lives, and the extent to which individuals' trust in other people and in state institutions has changed over time. This volume presents the main findings of three studies by World Bank economists using data from the 2006 LiTS. Chapter one examines quantitative and qualitative dimensions welfare in countries of Eastern Europe and the former Soviet Union...

Housing and Urbanization in Africa : Unleashing a Formal Market Process

Collier, Paul; Venables, Anthony J.
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
46.5%
The accumulation of decent housing matters both because of the difference it makes to living standards and because of its centrality to economic development. The consequences for living standards are far-reaching. In addition to directly conferring utility, decent housing improves health and enables children to do homework. It frees up women's time and enables them to participate in the labor market. More subtly, a home and its environs affect identity and self-respect. Commentary on the emergence of an African middle class has become common, but it is being defined in terms of discretionary spending and potential for consumer markets. A politically more salient definition of a middle class will be in terms of home ownership and the consequent stake in economic stability. This paper examines why such a process has not happened in Africa. Our hypothesis is that the peculiarity of housing exposes it to multiple points of vulnerability not found together either in private consumer goods or in other capital goods. Each point of vulnerability can be addressed by appropriate government policies...

Coopetition and strategic networks in the fast-moving consumer-goods industry : category management as a strategic opportunity in crisis

Matias, Salvador d'Orey Manuel Correia
Fonte: Universidade Católica Portuguesa Publicador: Universidade Católica Portuguesa
Tipo: Dissertação de Mestrado
Publicado em 16/09/2013 ENG
Relevância na Pesquisa
46.44%
Managers need to understand that networks should be an important part of their strategy and that cooperation and competition should be intertwined in the business context. The biggest opportunities in business don’t come from playing the game better than everyone else - they come from changing the fundamental nature of the game itself to your advantage. In a context of crisis, these aspects take an even bigger importance, since most of companies fail to grow or to present results. I introduce a tapered approach to the fast-moving consumer goods industry in order to relate these strategic networks with the coopetition theory. Taking the interviews made to the players hovering in this industry in addition to the existing body of knowledge of published articles and recent environmental dynamics into consideration, this paper will attempt to compare and contrast the category management approaches regarding coopetition and tactical networks’ practices, inserting this concept in a broader strategic view that encompass not only the marketing understanding, but also the strategy point of view, enclosing it as a strategic coopetitive tool and alternative to grow, especially important in crisis times. This thesis will be supported by one case study that intend to illustrate the evolution of the networking-level strategy and coopetition in the consumer-goods industry...

A Fast Neural Signature of Motivated Attention to Consumer Goods Separates the Sexes

Junghöfer, Markus; Kissler, Johanna; Schupp, Harald T.; Putsche, Christian; Elling, Ludger; Dobel, Christian
Fonte: Frontiers Research Foundation Publicador: Frontiers Research Foundation
Tipo: Artigo de Revista Científica
Publicado em 20/09/2010 EN
Relevância na Pesquisa
46.62%
Emotional stimuli guide selective visual attention and receive enhanced processing. Previous event-related potential studies have identified an early (>120 ms) negative potential shift over occipito-temporal regions (early posterior negativity, EPN) presumed to indicate the facilitated processing of survival-relevant stimuli. The present study investigated whether this neural signature of motivated attention is also responsive to the intrinsic significance of man-made objects and consumer goods. To address this issue, we capitalized on gender differences towards specific man-made objects, shoes and motorcycles, for which the Statistical Yearbook 2005 of Germany's Federal Statistical Office (Statistisches Bundesamt, 2005) revealed pronounced differences in consumer behavior. In a passive viewing paradigm, male and female participants viewed pictures of motorcycles and shoes, while their magnetoencephalographic brain responses were measured. Source localization of the magnetic counterpart of the EPN (EPNm) revealed pronounced gender differences in picture processing. Specifically, between 130 and 180 ms, all female participants generated stronger activity in occipito-temporal regions when viewing shoes compared to motorcycles, while all men except one showed stronger activation for motorcycles than shoes. Thus...

The physical distribution as strategic resource for consumer goods manufacturers aiming at achieving competitive advantage; Distribución física como recurso estrat gico de fabricantes de productos de consumo para lograr la ventaja competitiva; A distribuição física como recurso estratégico de fabricantes de bens de consumo para a obtenção da vantagem competitiva

Almeida, Marcio Vieira de; Marcondes, Reynaldo Cavalheiro
Fonte: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade Publicador: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade
Tipo: info:eu-repo/semantics/article; info:eu-repo/semantics/publishedVersion; Artigo Avaliado pelos Pares Formato: application/pdf
Publicado em 01/12/2014 POR
Relevância na Pesquisa
46.55%
O objetivo neste artigo é identificar os diversos aspectos envolvidos na distribuição física que podem torná-la uma fonte de vantagem competitiva para fabricantes de bens de consumo. Para tanto, a distribuição foi focada na relação entre fabricantes de bens de consumo e varejistas pelo fato de estes últimos estarem em contato com os clientes e poderem avaliar sua satisfação com os produtos. O artigo está fundamentado na abordagem da visão baseada em recursos (VBR), da qual foram utilizados os conceitos de valor, recursos estratégicos, vantagem competitiva e estratégias competitivas, bem como os de distribuição física e logística de autores dessas áreas. A pesquisa foi do tipo exploratório e descritivo com a aplicação da metodologia qualitativa que se mostrou a mais adequada para os objetivos do estudo. Foram entrevistados oito executivos, sendo três de empresas de varejo e cinco de fabricantes, por meio de roteiro padrão com perguntas abertas. Os dados foram tratados e analisados com base nas técnicas da análise de conteúdo. Como resultado...

Relationship between CEO remuneration and company financial performance in the South African retail and consumer goods sector

Bussin,Mark; Nel,Morne
Fonte: Acta Commercii Publicador: Acta Commercii
Tipo: Artigo de Revista Científica Formato: text/html
Publicado em 01/01/2015 EN
Relevância na Pesquisa
46.44%
PURPOSE: This study was motivated by the need to better understand the effects of the global financial crisis in 2008 on the relationship between company financial performance and CEO guaranteed cost to company (CTC). The aim of this study was to understand the relationship between company financial performance using DuPont analysis and CEO guaranteed CTC in the South African retail and consumer goods sector. DESIGN: The research was a quantitative, archival study of companies listed on the Johannesburg Stock Exchange (JSE), measured over a period of six years (2006-2011). The statistical analysis included regression and correlation analysis. FINDINGS: The research found that CEO guaranteed CTC has shown no sensitivity towards company financial performance in terms of DuPont analysis over the six-year period, which included the global financial crises in 2008. Furthermore, a negative relationship existed between the return on equity and the guaranteed CTC of CEOs in the retail and consumer goods sector during this period. PRACTICAL IMPLICATIONS: The findings suggest that there is misalignment between company strategy and performance and the guaranteed CTC of CEOs. A practical implication would be to have independent and competent remuneration committees ensuring alignment of the interests of a company with those of its leaders in this regard.