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    324 research outputs found

    The impacts of Industry 4.0 enabling technologies on operational strategy

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    Purpose: Adapting to technological advances is a pertinent challenge for operations in the Manaus Industrial Park. This study aims to address the following research question: how do Industry 4.0 (I4.0) enabling technologies impact the quality and flexibility strategy in the Manaus Industrial Park? Originality / Value: This study developed a systematic and structured way to understand the benefits of I4.0 technologies in quality strategies and flexibility of manufacturing production lines. Manaus Industrial Park plays an essential role in the development of innovations in the Amazon region, and companies must be competitive in this new context of digitization of manufacturing. Methods: This study used a qualitative and descriptive approach. Data were collected through semi-structured interviews with industrial managers from 12 companies that operate in the Manaus Industrial Park. Results: The results of this work point to a frequent use of computer systems to integrate machines in operations, such as the use of M2M technology and cyber-physical systems. The companies researched in the Manaus Industrial Park are adopting essential technologies to create the infrastructure for the I4.0 implantation. This is the first step to making smart factories in the future. Conclusions: Industry 4.0 enabling technologies affect operations' quality and flexibility strategy, promoting cost savings by optimizing production processes

    Os desafios da empreendedora negra na gestão de seus negócios

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    Objective:  To identify what are the difficulties arising from racial discrimination and prejudice which black women entrepreneurs face in the management of their businesses. Method: This is a theoretical essay, based on the Brazilian and international literature whose proposal was to categorize the main Brazilian black women entrepreneurs’ management problems arising from racial discrimination. Originality/Relevance:  The contributions, originality and relevance of the article come from the context studied, black women entrepreneurs and the difficulties in managing their business. Most of the studies identified in the literature address conflicts of different natures and there are few that integrate discriminatory issues and racial prejudices of black women entrepreneurs. This theme is emerging and current, and there is a need for theoretical deepening to support empirical studies. Results: The article allowed an important theoretical survey on the constructs addressed. Through 87 articles studied, it was possible to identify the challenges faced by black women entrepreneurs, consisting of seven categories: a) family x work; b) life in communities; c) financial resources; d) fear of failure; e) lack of entrepreneurial models/lack of experience; f) educational disadvantage and g) socioeconomic discrimination. The results bring together the main challenges and their identified difficulties. Theoretical/methodological contributions: The article offers new contributions by    reflecting: the relevance of the performance of black women and their performance in the social scenario and the prejudice still suffered;  ii)the challenges and consequences of the difficulty in developing the enterprise because they assume a double role in society,  black women and entrepreneurs; iii)emotional difficulties identified when performing entrepreneurial actions;  iv) the scarcity of studies that bring together the constructs studied and the absence of empirical evidence on black women entrepreneurs.Objetivo: Identificar quais são as dificuldades, originárias da discriminação e preconceito raciais, as empreendedoras negras enfrentam na gestão de seus negócios. Método: Trata-se de um estudo teórico, alicerçado nas literaturas brasileira e internacional, cuja proposta foi a de categorizar os principais problemas de gestão das empreendedoras negras do Brasil, oriundas da discriminação racial. Originalidade/Relevância: As contribuições, originalidade e relevância do artigo provêm do contexto estudado, mulheres empreendedoras negras e as dificuldades para fazer a gestão de seus negócios. Boa parte dos estudos identificados na literatura abordam conflitos de diferentes naturezas e são pouco aqueles que integram questões discriminatórias e preconceitos raciais de mulheres empreendedoras. Esta temática é emergente e atual havendo a necessidade de aprofundamento teórico para alicerçar os estudos empíricos. Resultados: O artigo possibilitou um importante levantamento teórico sobre os constructos abordados. Por meio de 87 artigos estudados, foi possível identificar os desafios enfrentados pelas empreendedoras negras, configurando-se em sete categorias: a) família x trabalho; b) vida em comunidades; c) recurso financeiro; d) medo do fracasso; e) falta de modelos empreendedor/falta de experiencia; f) desvantagem educacional e g) discriminação socioeconômica. Os resultados reúnem os principais desafios e suas as dificuldades identificadas. Contribuições teóricas/metodológicas: O artigo oferece novas contribuições ao refletir: i) a relevância da atuação da mulher negra e sua atuação no cenário social e o preconceito que ainda sofre; ii) os desafios e as consequências advindas da dificuldade para desenvolver o empreendimento por assumirem um duplo papel na sociedade, mulheres negras e empreendedoras; iii) dificuldades emocionais identificadas ao desempenharem ações empreendedoras; iv) a escassez de estudos que reúnem os construtos estudados e a ausência de evidências empíricas sobre mulheres negras empreendedoras

    Plataformas peer-to-peer na economia compartilhada: status atual e agenda de pesquisa futura

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    Purpose: To map the studies on Peer-to-Peer (P2P) platforms, presenting important considerations in a future research agenda. Originality/Value: There is great interest in better understanding platforms based on interaction between people, as many are pointed out as ecological, democratic and at lower prices (Wirtz et al., 2019). However, there is a gap in the systematization of publications regarding the business model of P2P platforms in the broader context of the sharing economy, as the studies are fragmented. Methods: Systematic Literature Network Analysis (SLNA) was adopted, which combines the Systematic Literature Review with Network Citation Analysis (Colicchia & Strozzi, 2012). For the systematic review the research criteria were emphasized, and in the network analysis the software VOSviewer®. Results: Through the built networks and their connections, an agenda was proposed with four future directions: i) effects of sharing by P2P platforms; ii) market structure of P2P platforms; iii) the P2P accommodation sector; and iv) emerging themes. Conclusions: The research went beyond the description and deepened directing research themes. It was possible to contribute stimulating research and discussion in the theoretical and practical field, since, for Chen et al. (2020) digital platforms continue to flourish in the business world.Objetivo: Mapear os estudos sobre as plataformas Peer-to-Peer (P2P), apresentando considerações importantes em uma agenda para pesquisas futuras. Originalidade/Valor: Existe grande interesse em entender melhor as plataformas baseadas na interação entre pessoas, pois muitas são apontadas como ecológicas, democráticas e com preços menores (Wirtz et al., 2019). Contudo, há uma lacuna quanto a uma sistematização das publicações que tratam do modelo de negócios das plataformas P2P, no contexto amplo da economia compartilhada, uma vez que os estudos se encontram fragmentados. Métodos: Foi adotada a Systematic Literature Network Analysis (SLNA) que combina a Revisão Sistemática da Literatura com Análise de Rede de Citações (Colicchia & Strozzi, 2012). Para a revisão sistemática foi enfatizado os critérios de pesquisa, e na análise de redes foi utilizado o software VOSviewer®. Resultados: Mediante as redes construídas e suas conexões, foi proposta uma agenda com quatro direções futuras: i) efeitos do compartilhamento pelas plataformas P2P; ii) estrutura de mercado das plataformas P2P; iii) o setor de acomodação P2P; e, iv) temas emergentes. Conclusões: A pesquisa foi além da descrição e se aprofundou direcionando temáticas de pesquisa. Foi possível contribuir com o estímulo da investigação e discussão no campo teórico e prático, uma vez que, para Chen et al. (2020) as plataformas digitais continuam a florescer no mundo dos negócios

    Cenários prospectivos no brasil para telecom no segmento b2b em 2050

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    Purpose: Present a prospective scenario approach for the next 30 years in the B2B segment for telecom operators in Brazil. Theoretical framework: The research was carried out using a semi-structured quantitative approach supported by the Delphi method and using the construction of prospective Schwartz scenarios (GBN), being carried out with specialists and managers from the Telecom segment for B2B. Design/methodology/approach: It was found that the use of the prospective scenario methodology can be a tool for strategic planning, applicable in the face of uncertain conditions in the long term. Findings: Through the methodology of prospective scenarios, the construction of four future scenarios was developed: 1) Democracy of Info-Innovation, 2) Resistance of Special-Locals, 3) Big Telco-Tech Evolution, 4) Great Expansionists. Research, Practical & Social implications : The contribution of this article is in the delivery of a practical exercise that demonstrated how prospective scenarios can be used as a guide for the leadership of companies in strategic positions and also as a guide for long-term actions, for all participants of this company. Originality/value : The carriers in Brazil are currently facing an environment of several variables and complexities brought about mainly by competition from new IT entrants, regional operators, new emerging technologies and the Digital Transformation movement. This article presented a viable exercise to support long-term strategic planning, through prospective scenarios, in such a way as to provide subsidies to support today's decisionsObjetivo:  Apresentar uma abordagem de cenários prospectivos para os próximos 30 anos no segmento B2B para as operadoras de telecomunicações no Brasil. Método: A pesquisa foi realizada pela abordagem quantitativa semiestruturadas suportadas pelo método Delphi e uso da construção de cenários prospectivos de Schwartz (GBN), sendo realizada com especialistas e gestores do setor segmento de Telecom para B2B. Originalidade/Relevância: As grandes operadoras de telecom no Brasil, estão atualmente diante de um ambiente de diversas variáveis e complexidades trazidas principalmente por concorrências por novos entrantes de TI, operadoras regionais, novas tecnologias emergentes e o movimento de Transformação Digital. O presente artigo apresentou um exercício viável para apoiar no planejamento estratégico de longo prazo, através de cenários prospectivos, de tal maneira a fornecer subsídios para apoio as decisões de hoje. Resultados: Através da metodologia de cenários prospectivos se desenvolveu a construção de quatro cenários futuros: 1) Democracia da Info-Inovação, 2) Resistência dos Locais-Especiais, 3) Evolução Big Telco-Tech, 4) Grandes Expansionistas. Contribuições teóricas/metodológicas: Verificou-se que o uso da metodologia de cenários prospectivos pode ser uma ferramenta para o planejamento estratégico, aplicável diante de condições incertas no horizonte de longo prazo. Contribuições sociais / para a gestão: A contribuição desse artigo está na entrega de um exercício prático que demostrou como os cenários prospectivos podem ser utilizados como um direcionador para as lideranças das empresas em posições estratégicas e ainda como um guia de ações de longo prazo, para todos os participantes dessa empresa.

    Covid-19 pandemic influences relationships on innovation, environmental practices and social actions in enterprise: the theoretical framework

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    Purpose: This study aims to analyze the relationships between the Covid-19 Pandemic, innovation, environmental practices, social actions, and the influence on people's quality of life, in the context of Brazilian organizations, through the proposition of a Theoretical Framework. Methodology /Approach: The methodology was qualitative and exploratory research, through a theoretical and systematic review of the Scopus database. For data analysis, content analysis was used, with categories listed a priori. Originality/Value: In the research, 4 theoretical propositions were listed, which were analyzed through a systematic review in the Scopus database, as it is one of the largest databases of scientific articles reviewed by peers worldwide. Findings: In the course of the research, with the filter used by Article title, it was identified that the largest number of publications (269 documents) went to Proposition 1, in second place with 16 publications we present Proposition 3, occupying the third place emerges Proposition 4 with 10 publications, and as the last classified we have Proposition 2 with only 1 published article. Theoretical and methodological contributions: The impact of the research is linked to the validation of a theoretical framework, which presents factors that the Covid-19 pandemic is influencing the development of Brazilian organizations, as well as the information collected will provide the academic community and professionals in related areas, a better understanding of the performance of organizations, showing subsidies for managers, from organizations of different segments and sizes, to improve decision-making in the face of the pandemic in the environmental, social and improvement of people's quality of life.Purpose: This study aims to analyze the relationships between the Covid-19 Pandemic, innovation, environmental practices, social actions, and the influence on people's quality of life, in the context of Brazilian organizations, through the proposition of a Theoretical Framework. Methodology /Approach: The methodology was qualitative and exploratory research, through a theoretical and systematic review of the Scopus database. For data analysis, content analysis was used, with categories listed a priori. Originality/Value: In the research, 4 theoretical propositions were listed, which were analyzed through a systematic review in the Scopus database, as it is one of the largest databases of scientific articles reviewed by peers worldwide. Findings: In the course of the research, with the filter used by Article title, it was identified that the largest number of publications (269 documents) went to Proposition 1, in second place with 16 publications we present Proposition 3, occupying the third place emerges Proposition 4 with 10 publications, and as the last classified we have Proposition 2 with only 1 published article. Theoretical and methodological contributions: The impact of the research is linked to the validation of a theoretical framework, which presents factors that the Covid-19 pandemic is influencing the development of Brazilian organizations, as well as the information collected will provide the academic community and professionals in related areas, a better understanding of the performance of organizations, showing subsidies for managers, from organizations of different segments and sizes, to improve decision-making in the face of the pandemic in the environmental, social and improvement of people's quality of life

    Valores éticos de consumo e roupas ecológicas: um estudo no brasil

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    Objective: The research aims to investigate the Brazilian consumer in their intention to purchase ecological clothing. Method: To carry out the study, field research was carried out, of an applied nature, with an exploratory and descriptive quantitative, cross-sectional objective, with non-probabilistic sampling, and research had for. The model proposed and validated by Echeverría (2017) was used as a basis, consisting of 11 factors and 42 psychographic observable variables, in addition to demographic variables (gender, age, education, and family income). Originality/Relevance: As the concern for sustainability becomes a universal phenomenon, the profile of the ecologically conscious consumer evolves. The ecological fashion movement gained strength and several companies began to realize the importance of sustainability and ethical conduct as indispensable factors in fashion. Brazil is the largest complete textile chain in the West, with more than 9.5 million jobs. Results: The predominance of the sample was female, education, there was a balance between the number of respondents between undergraduate and secondary education, with an average age of respondents of 36.74 years. An interesting point of the study, which proved to be quite significant, was the positive influence of the attitude toward the purchase of ecological products on the ecological purchase intention. The increase in ecological awareness greatly interferes with consumer behavior. The theory of planned behavior can explain this phenomenon, as an individual's attitude, their beliefs concerning a certain aspect, can influence their consumption intention. Theoretical/methodological contributions: The contribution of this study is to provide the profile of the Brazilian consumer in their intention to purchase ecological clothing. The positive influence of the attitude towards the purchase of ecological products remained evident. Increased awareness of consumer behavior. The great contribution of this study lies in the proposition of a theoretical framework, which enables an understanding of the structure of green consumer behavior. Social contributions: Assuming that human behavior is goal-oriented, based on individual beliefs, the goals TCP applied to consumption proposes that the way people select, process information, and act about them depends on the relevance and strength of its own general goals.Objetivo: A pesquisa tem como objetivo investigar o consumidor brasileiro na sua intenção de compra de roupa ecológica. Método: Para a realização do estudo foi realizada uma pesquisa de campo, de natureza aplicada, com objetivo exploratório e descritivo quantitativa, transversal, com amostragem não probabilística, sendo que, a pesquisa teve por. Tomou-se por base o modelo proposto e validado por Echeverría (2017), composto de 11 fatores e 42 variáveis observáveis psicográficas, além das variáveis demográficas (sexo, idade, escolaridade e renda familiar). Originalidade/Relevância: À medida em que a preocupação com a sustentabilidade se torna um fenômeno universal, o perfil do consumidor ecologicamente consciente evolui. O movimento da moda ecológica ganhou força e diversas empresas começaram a perceber a importância da sustentabilidade e conduta ética como fatores indispensáveis na moda. O Brasil é a maior cadeia têxtil completa do ocidente, com mais de 9,5 milhões de empregos. Resultados: A predominância da amostra foi o gênero feminino, no tocante à escolaridade, houve um equilíbrio entre o número de respondentes entre graduação e o ensino médio, tendo a média de idade dos respondentes de 36,74 anos. Um ponto interessante do estudo e que se mostrou bastante significativo foi a influência positiva da atitude face à compra de produtos ecológicos na intenção de compra ecológica. O aumento da consciência ecológica interfere, sobremaneira, no comportamento do consumidor. A teoria do comportamento planejado pode explicar este fenômeno, pois a atitude de um indivíduo, suas crenças em relação a determinado aspecto, podem influenciar sua intenção de consumo. Contribuições teóricas/metodológicas: A contribuição deste estudo consiste em fornecer o perfil do consumidor brasileiro em sua intenção de compra de roupa ecológica. Restou evidenciada a influência positiva da atitude face à compra de produtos ecológicos. O aumento da consciência no comportamento do consumidor. A grande contribuição deste estudo encontra-se na proposição de um framework teórico, que possibilita um entendimento da estrutura do comportamento do consumidor verde. Contribuições sociais: Assumindo-se que o comportamento humano é orientado a objetivos, com base nas crenças individuais, a TCP de objetivos aplicada ao consumo propõe que a maneira como as pessoas selecionam, processam informações e agem em relação a elas depende da relevância e força de suas próprias metas gerais

    Empreendedorismo Digital no Setor Bancário Brasileiro: Análise a Partir do Surgimento das Fintechs

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    Purpose: To analyze the changes that have occurred in traditional Brazilian banking institutions towards digital entrepreneurship, as a result of the emergence of fintechs. Originality/Value: To understand how digital entrepreneurship is influenced in traditional Brazilian banking institutions from the emergence of fintechs. Methods: The research is qualitative, with a multiple case analysis of the three largest Brazilian banking institutions, based on data collected through interviews and secondary data analysis. Results: The study presents a framework of digital entrepreneurship resources and factors, consolidated in the literature and evaluated in practice, allowing institutions to understand how fintechs influence the advancement of digital entrepreneurship in the banking sector. Conclusions: The study revealed the factors that exerted the greatest influence on the advancement of digital entrepreneurship from the emergence of fintechs from the institutional isomorphism perspective. The study observed the migration of almost all products and services to digital means, and in relation to institutional theory, identified the presence of institutional forces in traditional banking institutions, in coercive, mimetic, and normative movements.Objetivo: Analisar as mudanças ocorridas em instituições bancárias brasileiras tradicionais em direção ao empreendedorismo digital, em decorrência do surgimento das fintechs. Originalidade/Valor: Entender como o empreendedorismo digital é influenciado em instituições bancárias brasileiras tradicionais a partir do surgimento das fintechs. Métodos: A pesquisa é de natureza qualitativa, com análise de casos múltiplos nas três maiores instituições bancárias brasileiras, a partir de dados coletados por meio de entrevistas e análise de dados secundários. Resultados: O estudo apresenta um quadro de recursos e fatores de empreendedorismo digital, consolidado na literatura e avaliado na prática, permitindo que as instituições possam compreender como as fintechs influenciam o avanço do empreendedorismo digital no setor bancário. Conclusões: O estudo evidenciou os fatores que exerceram maior influência sobre o avanço do empreendedorismo digital a partir do surgimento das fintechs sob a ótica do isomorfismo institucional. Observou-se a migração da quase totalidade de produtos e serviços para os meios digitais e, no que se refere à teoria institucional, identificou-se a presença das forças institucionais nas instituições bancárias tradicionais, em movimentos coercitivos, miméticos e normativos

    Ousadia e audácia no campo do empreendedorismo: compreensões a partir da literatura

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    Objective: To identify and understand how the terms boldness and audacity have been discussed in researches on the entrepreneurship field. Method / Approach: In order to identify the articles, the bibliometric method ProKnow-C was used. The search occurred in Scopus and Web of Science databases. In bibliometrics, the resources of Bibliometrix package were used. To understand how the themes are addressed in entrepreneurship, a systematic review of the literature was carried out. Originality / Relevance: This research presents advances in the discussion and understanding of boldness/audacity theme in the field of Entrepreneurship. Results: In bibliometrics, a quantitative analysis was performed with 109 articles, in which the following indicators were found: three journals, eight authors, three countries, eight keywords and evolution in the 2013-2021 period. The systematic literature review was based on 21 articles, and the results present four categories: boldness and minorities, risk and investments, personality traits and cultural variations. Theoretical contributions: The research presents a theoretical contribution to the field of studies, by highlighting aspects associated with boldness/audacity in entrepreneurship studies, providing a broader understanding of the behavior of entrepreneurs and organizations. In addition, for Entrepreneurship researchers, the study elucidates the contexts in which these themes are discussed, in addition to pointing out theoretical gaps in the field.Objetivo: Identificar e compreender como os termos ousadia e audácia têm sido discutidos em pesquisas em empreendedorismo. Método / Abordagem: Para identificar os artigos, utilizou-se o método bibliométrico ProKnow-C. A busca ocorreu nas bases Scopus e Web of Science. Na bibliometria, utilizou-se os recursos do pacote Bibliometrix. Para compreender como os temas são abordados em empreendedorismo, foi realizada uma revisão sistemática da literatura. Originalidade / Relevância: Essa pesquisa avança na discussão e compreensão do tema ousadia/audácia no campo do Empreendedorismo. Resultados: Na bibliometria, realizou-se análise quantitativa com 109 artigos, nos quais foram encontrados como indicadores: três periódicos, oito autores, três países, oito palavras-chave e evolução no período de 2013-2021. A revisão sistemática da literatura foi realizada com base em 21 artigos, e os resultados apresentam quatro categorias: ousadia e minorias, risco e investimentos, características de personalidade e variações culturais. Contribuições teóricas: A pesquisa apresenta contribuição teórica para o campo de estudos, ao evidenciar aspectos associados a ousadia/audácia em estudos em empreendedorismo, propiciando ampliar a compreensão do comportamento de empreendedores e de organizações. Além disso, para pesquisadores do Empreendedorismo o estudo elucida os contextos nos quais esses temas são discutidos, além de apontar lacunas teóricas no campo

    How does training contribute to organizational innovation? New research avenues

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    Purpose: In this study the aim is to propose a research agenda about how training activities contribute to organizational innovation results, based on an integrative and systematic review of a scientifically relevant literature portfolio. Methodology/approach: Based on relevant literature selected after applying Methodi Ordinatio structured protocol, a state of knowledge systematic literature review was carried out on studies about the relationship between training activities and organizational innovation. Theoretical and methodological content categories were analyzed comprising articles published in databases indexed on Portal de Periódicos da CAPES. Originality/value: After systematic reviewing relevant literature about the relationship between training effects and organizational innovation, this study proposes new research avenues focusing to address identified state of knowledge research gaps. These new research possibilities can guide advancements on the field by contributing for better phenomenon comprehension. Findings: The studies analyzed are primarily based on measures focused on the organizational level and predominantly quantitative. The most used data source were perceptual measures compared with econometric data focused on organizational results, and training effects were measured only on a post-fact transversal approach. Theoretical and methodological contributions: New relevant research avenues based on state of knowledge research gaps are presented, aiding the field to advance. The use of Methodi Ordinatio structured protocol contributes to methodologically advance in this kind of research by supporting the selection of relevant bibliographic portfolio

    Prospecção de cenários do varejo farmacêutico em franca/SP no período 2020-2024

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    Objective: The purpose of this research is to develop prospective scenarios for the pharmaceutical sector, in the city of Franca/SP, in the period of five years (2020-2024), providing important information for the strategic planning of the sector. Methods: This is an exploratory and descriptive research, in several texts that approach the theme, to support the prospection of scenarios. The following were used: the Delphi Method for data collection; the Blaining and Reinig Prospecting Model; and the Cross-Impact Matrix to detect the sector's driving forces. Results: With the results obtained in the field research, three scenarios of future possibilities were built: an optimistic scenario, a realistic one and a pessimistic one. Relevance/originality: The construction of scenarios together with the cross-impact matrix are tools that will favor the company in preparing for the future, increasing the chances of survival of companies and interfering in decisions in certain situations to better position itself. Theoretical/methodological contributions: The proper use of the tool for prospecting future scenarios is of fundamental importance in this new phase of expansion of pharmaceutical retail, both in the strategic planning process and in decision making. Social contributions to management: Allow professionals in the pharmaceutical retail area to analyze their business environment and seek to envision several alternative future possibilities for their businesses.Objetivo: O propósito desta pesquisa é elaborar cenários prospectivos para o setor farmacêutico, na cidade de Franca/SP, no período de cinco anos (2020–2024), disponibilizando informações importantes para o planejamento estratégico do setor. Métodos: Trata-se de uma pesquisa exploratória e descritiva, em diversos textos que abordam o tema, para embasar a prospecção de cenários. Foram utilizados: o Método Delphi para a coleta de dados; o Modelo de Prospecção de Blaining e Reinig; e a Matriz de Impactos Cruzados para detectar as forças motrizes do setor.   Principais resultados: Com os resultados apurados na pesquisa de campo, foram construídos três cenários de possibilidades futuras: um cenário otimista, um realista e um pessimista. Relevância/originalidade : A construção de cenários juntamente com a matriz de impactos cruzados são ferramentas que irão favorecer a empresa no preparo para o futuro, aumentando as chances de sobrevivência das empresas e de interferir nas decisões em determinadas situações para melhor se posicionar. Contribuições teóricas/metodológicas: A utilização adequada da ferramenta de prospecção de cenários futuros apresenta relevância fundamental nessa nova fase de expansão do varejo farmacêutico, tanto no processo de planejamento estratégico, quanto nas tomadas de decisões. Contribuições sociais para a gestão: Permitir que profissionais da área de varejo farmacêutico analisassem o seu ambiente de negócios e buscassem vislumbrar diversas possibilidades alternativas de futuros para os seus negócios

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