What Fidelidade group should do to convey its human centric brand identity values to millennial insurance consumers

Companies are concerned in attracting and retaining Millennial consumers, especially if their relation with this target audience is weak. This happens in the insurance industry in Portugal and in Fidelidade group specifically. The aim of this study is to recommend a strategy for the insurance group to improve its relationship with these consumers, by conveying its human centric values. In order to address this goal, we developed a qualitative research. The main insight is that Millennials may perceive those values in the industry but do not associate them with insurance brands.

O direito de exoneração do acionista minoritário

This study specifically addresses the situation of minority shareholders after the transfer of control in an listed company. The various underlying interests and reasons that shareholders have for investing in a company can demonstrate shareholders’ reasoning for taking radically different positions on issues relating to the transfer of control of the referred company. This study analyses the current legal system in Portugal and in the European Union in order to assess whether, in the event of a takeover bid of a listed company where there is a transfer of control, minority shareholders have the same appraisal rights as other shareholders to sell their shares and leave the company. The study then examines the European Court of Justice decision on whether a general principle of equal treatment of minority shareholders exists upon a transfer of control (Audiolux) and the Portuguese Securities Market Commission decision regarding the delisting of Brisa - Autoestradas de Portugal, S.A. based on the principle of investor protection. The study concludes that although the principle of equality amongst shareholders has made progress in the European legal system e.g. it is laid down in Directive 2004/25/EC of 21 April 2004 on takeover bids and the Portuguese Securities Market Code, there is also a need for further improvement, which can be accomplished by allowing minority shareholders to exercise an appraisal right in similar unregulated situations.

Nacionalidade originária e por naturalização

The object of this dissertation is to study the law of nationality in two countries: Portugal and Brazil. For this, it is necessary to think back on the traditional criteria for granting nationality, jus soli and jus sanguinis, and the nature of the applicability of the same rights in both countries. The ultimate goal involves the connection between these two points, making a comparison between both legal systems, as well as an analysis of the interests underlying these standards, applying the relationships between these interests and their own rules, in an attempt to understand the problems raise these laws.

A new credit monitoring framework for agents' networks

The purpose of this work is to develop a practicable approach for Telecom firms to manage the credit risk exposition to their commercial agents’ network. Particularly it will try to approach the problem of credit concession to clients’ from a corporation perspective and explore the particular scenario of agents that are part of the commercial chain of the corporation and therefore are not end-users. The agents’ network that served as a model for the presented study is composed by companies that, at the same time, are both clients and suppliers of the Telecommunication Company. In that sense the credit exposition analysis must took into consideration all financial fluxes, both inbound and outbound. The current strain on the Financial Sector in Portugal, and other peripheral European economies, combined with the high leverage situation of most companies, generates an environment prone to credit default risk. Due to these circumstances managing credit risk exposure is becoming increasingly a critical function for every company Financial Department. The approach designed in the current study combined two traditional risk monitoring tools: credit risk scoring and credit limitation policies. The objective was to design a new credit monitoring framework that is more flexible, uses both external and internal relationship history to assess risk and takes into consideration commercial objectives inside the agents’ network. Although not explored at length, the blueprint of a Credit Governance model was created for implementing the new credit monitoring framework inside the telecom firm. The Telecom Company that served as a model for the present work decided to implement the new Credit Monitoring framework after this was presented to its Executive Commission.

Connect to success- consulting program of the U.S. embassy Lisbon creation of a business plan for “Quinta dos I’s”

The purpose of this project is to analyse and evaluate if the rural tourism cottage Quinta dos I’s will be profitable within the first five years of operation. It starts with a brief description of the business, followed by an industry analysis of the rural tourism market in Portugal and an intensive competitor analysis to evaluate Quinta dos I’s’ competitive advantages. The project then defines a marketing plan to generate awareness and establish the cottage in the market. Finally, a financial analysis is performed to examine the outcome of Quinta dos I’s’ recommended strategic activities. The results of this project show that the cottage is profitable after the first year of operation and expects to grow annually.

Vyndaqel (Tafamidis)

The main objective of this pedagogical case study is to analyse the market entry dynamics of pharmaceutical innovative drugs in Portugal, and the role and impact of the different stakeholders in this process. The case focuses on the market entry of Vyndaqel (Tafamidis) Pfizer’s orphan innovative product to treat TTR-FAP, “paramiloidose”, a highly incapacitating rare disease that has more than 2.000 diagnosed patients in Portugal, one of the highest prevalence worldwide and an incidence of 100 new patients every year. In terms of methodology it were used two main sources of information. Regarding secondary data sources it was made an exhaustive search using the main specialty search engines regarding the Tafamidis case, market access, orphan drugs and market entry context in Portugal and Europe. In terms of primary data it were conducted 7 direct interviews with the main case stakeholders. The pedagogical case study focuses on 5 main questions that provide the base of the discussion for the classes. First it is analysed the rationale behind the introduction of Tafamidis in Portugal, and its relevance for Pfizer, namely due to the previous investment made with the acquisition of FoldRX by $400M, the company that developed the product in the first place. It is also analysed the point of view of the NHS, and the reasoning behind drug reimbursement that considered not only the technical (efficacy and safety) and financial benefits of the drug, but also the social impact, due to the major role played by patient associations’ actions and coverage provided by the media that impacted the reimbursement decision. Finally it is analysed the vertical financing methodology that was selected by the Ministry of Health for drug acquisition by 2 public hospitals, that served as reference centres for the treatment of this disease

A conquista de Arzila pelos Portugueses : 1471

Em 1471 D. Afonso V (1432-1481), rei de Portugal, decidiu voltar ao Norte de África para dar continuidade à política de expansão africana da Coroa. O alvo escolhido foi Arzila e, em Agosto de 1471, a vila foi conquistada por uma hoste portuguesa que contou com 23.000 homens de combate. Pouco estudada pela historiografia, a conquista de Arzila é meritória de um lugar de destaque fruto da sua singularidade. Foi uma campanha meticulosamente planeada que incluiu a compra de toneladas de mantimentos e armas e o recrutamento da maior hoste até então levantada em Portugal. As consequências da queda de Arzila perduraram no tempo: Tânger foi abandonada dias depois e o tratado de tréguas assinado com o sultanato de Fez consolidou presença portuguesa na região, tendo esta permanecido imperturbável até ao início do século XVI, e permitiu a D. Afonso V abandonar de vez os campos de batalha norte-africanos e dar azo às suas ambições castelhanas. O presente estudo insere-se numa lacuna historiográfica face à pouca atenção que a conquista de Arzila granjeou, até ao momento, por parte dos historiadores portugueses. Assim sendo, é estudada não apenas a conquista de Arzila, enquanto acontecimento limitado ao mês de Agosto de 1471, mas também todos os preparativos que foram levados a cabo para permitirem o sucesso da campanha, bem como as consequências da queda de Arzila, mais prolongadas no tempo. Esse estudo é escorado não só nos relatos cronísticos mas também noutras fontes de tipo narrativo e na documentação de chancelaria. É através do cruzamento das várias fontes que é possível detectar e corrigir determinadas lacunas dos cronistas e dos historiadores que os seguiram.