Abstract Purpose Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions. Design/methodology/approach This sample is composed by the data of personal loans transactions of a Brazilian credit union. Findings The analysis reveals that the use of statistical methods improves significantly the predictability of default when compared to the use of subjective techniques and the superiority of the random forests model in estimating credit scoring and profit scoring when compared to logit and ordinary least squares method (OLS) regression. The study also illustrates how both analyses can be used jointly for more effective decision-making. Originality/value Replacing subjective analysis with objective credit analysis using deterministic models will benefit Brazilian credit unions. The credit decision will be based on the input variables and on clear criteria, turning the decision-making process impartial. The joint use of credit scoring and profit scoring allows granting credit for the clients with the highest potential to pay debt obligation and, at the same time, to certify that the transaction profitability meets the goals of the organization: to be sustainable and to provide loans and investment opportunities at attractive rates to members.

Resumo A análise ambiental é fundamental para reconhecer as potencialidades e vulnerabilidades da região investigada. Baseado em imagens de satélites, o estudo buscou analisar o uso e a ocupação do solo em municípios que fazem parte do Corredor Bioceânico localizado no Estado do Mato Grosso do Sul e que também possuem territórios inseridos na Bacia do alto Paraguai. Constatou-se que em média 60% dos municípios tiveram parte de sua vegetação nativa substituídas por monoculturas e pastagens exóticas.

Abstract The environmental analysis is fundamental to recognize the potentialities and vulnerabilities of the region investigated. Based on satellite images, the study sought to analyze the use and occupation of the soil in municipalities that are part of the Bioceanic Highroad Crossing located in the State of Mato Grosso do Sul and that also have territories inserted in the Upper Paraguay Basin. It was found that on average 60% of the municipalities had part of their native vegetation replaced by monocultures and exotic pastures.

Resumen El análisis ambiental es fundamental para reconocer las potencialidades y vulnerabilidades de la región investigada. En base a imágenes de satélites, el estudio buscó analizar el uso y la ocupación del suelo en municipios que forman parte del corredor bioceánico ubicado en el Estado de Mato Grosso do Sul y que también poseen territorios insertados en la Cuenca del alto Paraguay. Se constató que en promedio el 60% de los municipios tuvieron parte de su vegetación nativa sustituida por monocultivos y pastos exóticos.

A delimitação adequada de bacias hidrográficas é fundamental por ser essa a unidade territorial para fins de planejamento e de gerenciamento dos recursos hídricos. Desse modo, este trabalho teve objetivo de analisar uma metodologia de delimitação automática de bacias hidrográficas. Foram utilizados, para tanto, dados do projeto Shuttle Radar Topographic Mission (SRTM) integrados e processados em Sistema de Informações Geográficas (SIG). Os resultados confirmam valores de área compatíveis aos obtidos com base em cartas topográficas. Assim, a automatização da delimitação de bacias hidrográficas, por meio de dados do SRTM e ambiente SIG, apresenta-se vantajosa em relação ao custo e benefício proporcionado, além de estabelecer a padronização do traçado e posterior minimização de conflitos quanto à fixação da unidade de gestão dos recursos hídricos.

The adequate delimitation of watersheds is essential to be that the territorial unit for planning and management of water resources. Thus, this work aims to evaluate a methodology for automatic delimitation of drainage basins. The project Shuttle Radar Topographic Mission (SRTM) data were integrated and processed in the Geographic Information System (GIS). The results show values of area compatible to those obtained on the topographic data. So, the automation of delimitation of watersheds, through SRTM data and GIS environment, appears to be advantageous in relation to cost and benefits offered, in addition, permits the standardization of the sketch and minimization of conflicts during fixation of the elementary unit of water resources management.

A Secretaria Municipal de Meio Ambiente e Desenvolvimento Sustentável (SEMADES) tem dado especial atenção ao monitoramento de atividades que possuam alto potencial poluidor com o propósito de se avançar na preservação da qualidade ambiental. Assim, este trabalho tem por objetivo avaliar a aplicação de geotecnologias como ferramenta na tomada de decisões no gerenciamento e monitoramento ambiental de postos de combustíveis localizados no município de Campo Grande - MS. Para tanto, foi realizada a espacialização dos postos de combustíveis e levantamento das condições ambientais de cada posto, além de terem sido realizados cruzamentos com a hidrografia, Áreas de Preservação Permanente (APP) e a carta geotécnica do município. Os resultados obtidos demonstraram que as técnicas de geoprocessamento utilizadas poderão auxiliar a SEMADES no controle, monitoramento e tomada de decisão no Licenciamento Ambiental de postos de combustíveis, podendo também ser aplicadas a outras atividades licenciadas.

The City Department of Environment and Sustainable Development (SEMADES, acronym in portuguese) has paid special attention to the monitoring of the environmental quality, mainly in the monitoring of activities that have high polluting potential. So, this work aims to avaluate the application of geotechnologies as a tool in the taking of decisions at the management and environmental monitoring of gas stations located at the Municipal District of Campo Grande - MS. For such, a spatialization of the gas station was made and the environmetal conditions of each gas station were surveyed, Also crossings with the hydrography, Areas of Permanent Preservation (APP) and the Geotechnical letter of the Municipal District have been carried through. The results had demonstrated that the used geoprocessing techniques will be able to assist the SEMADES at the control, monitoring and taking of decision in the Environmental licensing of gas stations, this can also be applied to other licensed activities.