Simulation of economic benefits achieved by water quality improvement for recreational and professional users, within the SPICOSSA SSA (SPICOSSA System Approach) 11 - Guadiana estuary ecosystem sic

Dissertação de Mestrado, Gestão da Água e da Costa, Faculdade de Ciências e Tecnologia, Universidade do Algarve, 2010

Identificação das características dos clientes associadas ao risco de crédito

O processo da tomada de decisão sobre a avaliação de uma solicitação de crédito comercial é por vezes difícil para o julgamento humano, devido à imensidão de variáveis que estão em jogo e das suas inter- relações. Neste artigo propomo-nos identificar as características dos clientes associadas a alto e a baixo risco, com recurso a um modelo aplicacional. A partir de uma base de dados de um cartão de crédito, formada por variáveis de natureza qualitativa e quantitativa, ajustámos um modelo logit binário, com o objectivo de tornar o processo de decisão mais objectivo e quantificável. Em seguida, identificámos oito classes de risco através da aplicação de um método de classificação não hierárquica (K-means) sobre o vector da pontuação do modelo logit. Aferimos temporalmente o comportamento de cada classe de risco ao longo de 70 meses, verificando-se que probabilidades baixas de default estão associadas a classes de risco baixo. As características dos clientes tipicamente associadas ao risco de crédito foram identificadas através de uma Análise Factorial das Correspondências.

Modelo de previsão de falência: o caso da construção civil em Portugal

Dissertação de Mestrado, Finanças Empresariais, Faculdade de Economia, Universidade do Algarve, 2016

From a traditionally open access fishery to modern restrictions: Portuguese anglers' perceptions about newly implemented recreational fishing regulations

Saltwater recreational fishing (SRF) in Portugal was for a long time an open-access activity, without restrictions of any kind. Restrictions to control the recreational harvest were first implemented in 2006 and were highly criticized by the angler community, for being highly restrictive and lacking scientific support. The present study aimed to obtain socio-economic data on the recreational shore anglers and gauge their perceptions about recreational fishing regulations and the newly implemented restrictions in Portugal. Roving creel surveys were conducted along the south and south-west coasts of Portugal, during pre and post regulation periods (2006-2007). A total of 1298 valid face-to-face interviews were conducted. Logit models were fitted to identify which characteristics influence anglers' perceptions about recreational fishing regulations. The majority of the interviewed anglers was aware and agreed with the existence of recreational fishing regulations. However, most were against the recreational fishing regulations currently in place. The logit models estimates revealed that Portuguese anglers with a higher level of formal education and income are more likely to agree with the existence of recreational fishing regulations. In contrast, anglers who perceive that more limitations and a better enforcement of commercial fishing would improve fishing in the area are less likely to agree with the existence of SRF regulations. The findings from this study will contribute to inform decision-makers about anglers' potential behaviour towards the new and future regulations. Although the existence of fishing regulations is a good starting point for effective management, the lack of acceptance and detailed knowledge of the regulations in place by fishers may result in lack of compliance, and ultimately hinder the success of recreational fishing regulations in Portugal. (C) 2013 Elsevier Ltd. All rights reserved.