Segmentação de Consumidores de Produtos e Serviços Bancários: um Estudo Exploratório

O estudo em questão, caracterizado como exploratório-descritivo, procura investigar qual o efeito das variáveis demográficas e comportamentais nas decisões dos consumidores voltadas à aquisição de cada um dos principais produtos e serviços oferecidos pelas instituições financeiras. Para tanto, ênfase é dada aos bancos, os quais constituem os principais responsáveis pela movimentação dos fluxos financeiros entre tomadores e ofertadores de recursos na Economia Global. A partir dessa investigação, objetivou-se agrupar tais indivíduos em categorias criadas através da constatação de diferentes características, escolhas e comportamentos. Foi realizada uma Análise de Cluster, onde foram definidos agrupamentos dos respondentes com base em semelhanças apresentadas a partir de uma amostra de 414 respondentes com idades de 18 a 81 anos. Em seguida, foi feita a análise discriminante para segmentar os mesmos respondentes com base em características pré-definidas, comparando-se os resultados obtidos com a adoção de ambas as técnicas e chegando à conclusão de que a análise dos agrupamentos é a ferramenta cujos resultados melhor definem a segmentação e a caracterização de cada grupo de clientes bancários. Por fim, ambos os modelos são validados, além de serem apresentadas as principais limitações e direcionadores futuros da presente pesquisa. DOI: 10.5585/remark.v12i2.2333This study, defined as exploratory and descriptive, aims to analyze market segmentation based on main financial products and services provided by financial institutions, investigating the effect of demographic and behavioral variables amongst clients’ choices. Therefore, emphasis is given to banking institutions, especially because they are responsible for the capital flow amongst resource takers and providers in the Global Economy. Considering this investigation, banking customers were separated into categories based on different characteristics, choices, and behaviors. Firstly, the Cluster Analysis defined groups according to similarities among a sample of 414 respondents between 18 and 81 years of age. Secondly, the Discriminant Analysis allocated the same sample to different categories, based on results of the Cluster Analysis. This research technique provides the comparison of the results presented by both statistical techniques, which leads to the conclusion that the Cluster Analysis is the technique with results that best define the differentiation and characterization of each banking client group. Finally, the two techniques are validated, and study limitations and contributions are explained.DOI: 10.5585/remark.v12i2.233

Occupational Stress Associated with Self-Esteem and Depression in Nurses in Their 20s with More than 3 Years' Clinical Experience in Kumamoto Prefecture

High Prevalence of Precocious Puberty and Obesity in Childhood Narcolepsy with Cataplexy

We analyzed the potential predictive factors for precocious puberty, observed in some cases of childhood narcolepsy with cataplexy (NC) and for obesity, a much more common feature of NC, through a systematic assessment of pubertal staging, body mass index (BMI), and metabolic/endocrine biochemical analyses.

Biological and Physical Interactions on a Tropical Island Coral Reef: Transport and Retention Processes on Moorea, French Polynesia

The Moorea Coral Reef Long Term Ecological Research project funded by the US National Science Foundation includes multidisciplinary studies of physical processes driving ecological dynamics across the fringing reef, back reef, and fore reef habitats of Moorea, French Polynesia. A network of oceanographic moorings and a variety of other approaches have been used to investigate the biological and biogeochemical aspects of water transport and retention processes in this system. There is evidence to support the hypothesis that a low-frequency counterclockwise flow around the island is superimposed on the relatively strong alongshore currents on each side of the island. Despite the rapid flow and flushing of the back reef, waters over the reef display chemical and biological characteristics distinct from those offshore. The patterns include higher nutrient and lower dissolved organic carbon concentrations, distinct microbial community compositions among habitats, and reef assemblages of zooplankton that exhibit migration behavior, suggesting multigenerational residence on the reef. Zooplankton consumption by planktivorous fish on the reef reflects both retention of reef-associated taxa and capture by the reef community of resources originating offshore. Coral recruitment and population genetics of reef fishes point to retention of larvae within the system and high recruitment levels from local adult populations. The combined results suggest that a broad suite of physical and biological processes contribute to high retention of externally derived and locally produced organic materials within this island coral reef system. © 2013 by The Oceanography Society. All rights reserved

Honor speech

A case of hypoglycemic coma with good outcome despite sustained unconsciousness and widespread leukoencephalopathy

We described a 28-year-old woman with insulinoma-induced hypoglycemic coma. Her initial diffusion-weighted MRI revealed diffuse hyperintense lesions involving bilateral hemispheric white matter. She did not respond to the initial treatment with glucose. However, after surgical removal of insulinoma, she began to recover gradually, and 1 year later, returned to her previous work. In general, the outcome of hypoglycemic coma with widespread leukoencephalopathy on MRI is thought to be poor. However, we should be aware that some of such cases could recover in the long term.

Development and Validation of a Stability-Indicating Liquid Chromatography Method for the Determination of Dabigatran Etexilate in Capsules

An RP-LC method was developed and validated for the determination of dabigatran etexilate in a capsule formulation. The LC method was carried out on a Zorbax C18 column (250 x 4.6 mm id). The mobile phase consisted of acetonitrile and a solution of triethylamine 0.1%, pH 6.0 adjusted with phosphoric acid (65 + 35, v/v) at a flow rate of 1.0 mL/min. The diode array detector was set at 225 nm. The chromatographic separation was obtained with retention time of 6.31 min, and linearity was in the range of 10-70 microg/mL (R2 = 0.9991). The specificity and stability-indicating capability of the method was proven through degradation studies and showing that there was no interference from the excipients. The accuracy was 100.23%, with an RSD of 1.34%. The LOD and LOQ were 0.04 and 10 microg/mL, respectively. Moreover, method validation demonstrated acceptable results for robustness and a system suitability test. The proposed method was applied for the analysis of the capsules to ensure their therapeutic efficacy.

Evaluation of the Culture Method NIHSJ-02 Alternative to ISO 10272-1:2006 for the Detection of Campylobacter jejuni and Campylobacter coli in Chicken: Collaborative Study

For the surveillance of the prevalence of Campylobacter jejuni and Campylobacter coli in raw chicken products in Japan, a qualitative method, National Institute of Health Sciences Japan (NIHSJ)-02, was developed as an alternative to International Organization for Standardization (ISO) 10272-1:2006. In the NIHSJ-02 culture method, the enrichment step is carried out in a reduced volume of Preston broth at 42 +/- 1 degrees C to reduce cost and space, and to prevent the overgrowth of background bacteria. To evaluate the performance of NIHSJ-02, a collaborative study was conducted, and the results obtained by NIHSJ-02 were compared with those obtained using the reference method, ISO 10272-1:2006. Fifteen laboratories participated; each examined 48 minced chicken samples consisting of test samples uninoculated, inoculated with C. jejuni at a low or high level, and inoculated with C. coli at a low level. The average probabilities of detection by NIHSJ-02 across laboratories were 0.033, 0.222, 0.678, and 0.267 in samples uninoculated, inoculated with C. jejuni at a low and high level, and with C. coli at a low level, respectively. Those by ISO 10272-1:2006 were 0.051, 0.128, 0.551, and 0.090. Significantly higher probabilities of detection were determined by NIHSJ-02 compared to ISO 10272-1:2006, except for uninoculated samples. On the other hand, significantly lower frequency of occurrence of background bacteria was observed by NIHSJ-02 (43.1%) compared with ISO 10272-1:2006 (92.6%). NIHSJ-02 showed better performance than ISO 10272-1:2006 with regard to the selective detection of C. jejuni and C. coli in chicken.

OSTEOPATIA HIPERTRÓFICA ASSOCIADA À METÁSTASE INTRATORÁCICA DE CARCINOMA MÁMARIO EM CADELA: RELATO DE CASO

Educação a Distância: a construção de competências docentes

A Educacao a Distância e uma modalidade que no decorrer dos anos ocupa espacos de destaque, principalmente no que tange a construcao de praticas pedagogicas inovadoras e inclusivas. Neste processo, uma formacao docente que prima por desenvolver o saber, saber fazer e saber ser e de extrema importância para que seja possivel desenvolver o sujeito em todas as esferas, tanto pessoal, como social e cultural. Portanto, este texto visa discutir o desenvolvimento e/ou aprimoramento de competencias docentes a fim de possibilitar a construcao de estrategias de aprendizagem e a aplicacao do planejamento pedagogico em diferentes contextos e publicos na Educacao a Distância.