Entities delaying payments in times of crisis and its impact on profitability

A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics

electronic payments in mozambique: A Baseline on their adoption in Maputo and Matola

This study analyses the access and use of financial services by small business owners in the cities of Mozambique, as an important tool for boosting economic growth and diminishing inequality. It correlates owners’ and business characteristics with the probability of adopting Points-of-Sale (POS), Mobile Banking and Mobile Money in everyday transactions. The main findings highlight that what mostly affects the use of POS is the size of business and the volume of transactions (positively correlated with POS adoption), while using mobile phone technologies for payments predominantly depends on the owner’s age and whether he/she is a frequent cellphone user. Moreover, to increase the use of electronic means of payment it is necessary to increase financial literacy and improve the banking services.

Mammifères pleistocènes de Algoz, en Algarve: une revision

At Algoz, Algarve, some mammals were found. The fauna, as revised here, corresponds to lowermost Middle Pleistocene (Biharian), just before the first glacial advance of Gunz glaciation. It is much older than it was previously regarded (Riss-Wurm interglacial). Evidence indicates an humid, swampy, riparian environment rich in plant life, and a nearby forest. Climate seems to have been rather warm (see ANTUNES et al., 1985). Age and ecology suggest that Algoz and Morgadinho, also in Algarve, are correlative (Morgadinho's age is from Villanyian to Biharian, and is thus compatible with that from Algoz). Lithology and palynological analysis corroborate this view. Algoz is the first locality of this age known in Portugal. Morgadinho and perhaps lacustrine limestones at Ponte das Lavadeiras (Faro) are more or less the same age.

Gruta da figueira brava (Arrabida): Geological setting

Separata do Tomo XXXVIII das Memories da Academia das Ciencias de Lisboa (Classe de Ciencias)

Ubiquitous computing and natural interfaces for environmental information

Dissertação apresentada na Faculdade de Ciências e Tecnologia da Universidade Nova de Lisboa para obtenção do Grau de Mestre em Engenharia do Ambiente, perfil Gestão e Sistemas Ambientais

Health care costs of domestic violence against women – evidence from Portugal

Our main objective is to estimate the additional health care costs to the Portuguese National Health Service (NHS) due to domestic violence against women. We collected information through a survey addressed to health care centres’ female users. Both victims and non-victims of violence were inquired. We estimate costs according to five different groups – consultation costs, health care treatment and therapeutic costs, costs of complementary and diagnostic exams, drugs costs and transport costs. The estimations have been split into two perspectives – the NHS perspective (public perspective) and private perspective of inquired women (out of pocket payments). The timeframe of our calculations is one year, referring to all costs generated by domestic violence situations in the last twelve months. Essentially costs were estimated through the product of total number of episodes by the average estimated price per episode. Additionally, for the private costs, we also considered the costs originated by income losses, the opportunity cost of time spent on health care treatments and the work inability caused by sickness. The results suggest that the victims of domestic violence’s additional demand for health care is valued €140 per annum, that is about 22% higher than health care costs of non-victims. These results match those of similar studies for the United States, taking account of per capita differences in health care spending. A large proportion (90%) of the additional costs associated with domestic violence is supported by the NHS, where consultations and drugs are the most important contributors of such costs. Health consequences of domestic violence result from losses in quality of life and worst health status of victims and correspond to additional permanent economic costs of domestic violence episodes.

Risk management of new product development process

Dissertation submitted to Faculdade de Ciências e Tecnologia of Universidade Nova de Lisboa for the achievement of Integrated Master´s degree in Industrial Management Engineering

Fisioterapia e reabilitação em Portugal : o financiamento como factor crítico do desempenho

RESUMO - Num contexto em que a prestação de cuidados de Fisioterapia e Reabilitação é identificada como apresentando uma desigualdade e desajustamento da oferta regional superior à dos restantes cuidados de saúde, assim como uma falta de adequação dos preços praticados, perante as condições de oferta e procura actualmente existentes, o presente trabalho tem por objectivo investigar, no domínio do Desempenho, a influência do Financiamento na definição da prestação destes cuidados, tendo como pressuposto genérico que as decisões estratégicas e a reestruturação produtiva das organizações de saúde são condicionadas pelo sistema de preços. Considera-se que o actual sistema de Financiamento/Pagamento provoca um constrangimento na qualidade da resposta destes cuidados a dois níveis: um primeiro nível, ao colocar o pagamento no âmbito dos Meios Complementares de Diagnóstico e Terapêutica (MCDTs) a contratar pelo Serviço Nacional de Saúde, com isso determinando a configuração organizativa do sistema; um segundo nível de constrangimento que incide sobre as estruturas das organizações prestadoras, pela modelação que induz, nomeadamente a nível da sua produção. Na impossibilidade de tratar as duas dimensões do problema, pela falta de indicadores de desempenho deste sector, analisou-se, relativamente ao segundo nível de constrangimento, a produção de fisioterapia de três organizações que, potencialmente, teriam o mesmo o mesmo perfil de oferta por se enquadrarem num mesmo perfil de procura. Os resultados reflectem o pressuposto genérico do trabalho e abrem espaço para colocar como futura hipótese de investigação a razão da(s) causa(s) que poderão estar subjacentes à discrepância encontrada na média de tratamentos por sessão (duas vezes e meia) na produção das duas organizações que foi possível comparar.------------------- ABSTRACT - In a context where the provision of Physical Therapy and Rehabilitation care is identified as having a regional mismatch of supply and inequality above all the others health cares, and a lack of adequacy of prices in the current conditions of supply and demand, the present work has, as main purpose, to investigate, in the field of Performance, the Payment’s influence in shaping the provision of such health care. The general assumption tracking this analysis is that the strategic decisions on productive structure of health care organizations are influenced by the price systems. It is considered that the current Finance / Payment system causes two levels of constraints on the quality of such health care: a first constraint, as it putts its payment under the Supplementary Means of Diagnosis and Therapy (MCDTs), witch ends up establishing the organizational setup of the system; a second level of constraint by modelling the internal structure of these organizations. The lack of indicators characterizing the performance of this sector, addressed the present study to the second dimension, in witch was analysed the physical therapy production in three organizations that, potentially, would have the same profile of supply responding to similar characteristics of demand. The results reflect the above mentioned general assumption that supported the work, and leave an open space for future research, about the reason (s) that lay behind the discrepancy found between the average of treatments per session (two and a half times) in

Post-processing Techniques in Free Boundary Flows during Liquid Composite Moulding Processes

Post-processing a finite element solution is a well-known technique, which consists in a recalculation of the originally obtained quantities such that the rate of convergence increases without the need for expensive remeshing techniques. Postprocessing is especially effective in problems where better accuracy is required for derivatives of nodal variables in regions where Dirichlet essential boundary condition is imposed strongly. Consequently such an approach can be exceptionally good in modelling of resin infiltration under quasi steady-state assumption by remeshing techniques and with explicit time integration, because only the free-front normal velocities are necessary to advance the resin front to the next position. The new contribution is the post-processing analysis and implementation of the freeboundary velocities of mesolevel infiltration analysis. Such implementation ensures better accuracy on even coarser meshes, which in consequence reduces the computational time also by the possibility of employing larger time steps.

O impacto dos factores humanos na segurança em cuidados de saúde : contribuição para uma revisão da literatura

RESUMO - A segurança dos doentes é, actualmente, um princípio fundamental dos cuidados de saúde. Apesar desta realidade, cada ponto no processo de prestação de cuidados contém um certo grau de insegurança inerente. Os eventos adversos podem resultar de problemas na prática, produtos, processos ou sistemas. A melhoria da segurança do doente implica um esforço de todo um sistema complexo, envolvendo uma ampla gama de acções de melhoria do desempenho, segurança e gestão ambiental de risco, incluindo, entre outras prioridades, a prática de cuidados de saúde em ambiente seguro e com a melhor qualidade. É sabido que todos os anos morrem nos hospitais portugueses, cerca de três mil pessoas, devido a erros cometidos pelos profissionais de saúde. Compreender o erro humano e intervir de forma adequada nas suas causas, implica, muito mais que uma avaliação do facto em si, mas uma avaliação de toda a estrutura onde é passível de ocorrer um erro. São inúmeros os factores que estão relacionados com esta temática, sendo os factores humanos, aqueles que poderão merecer alguma reflexão, pois são ainda algo omitidos nas orientações de gestão e nas considerações de chefias. Assim sendo, pretende-se que, com este projecto de investigação, através de uma revisão da literatura, sejam identificados os vários factores humanos que influenciam o desempenho dos profissionais de saúde, envolvidos na prestação directa de cuidados. Estes factores reflectem-se na segurança dos cuidados de saúde e na melhoria da qualidade prestados nas instituições de saúde. Face aos resultados conclusivos após a revisão de literatura, é verificado que os factores humanos que influenciam o desempenho dos profissionais de saúde são: comunicação e partilha de informação; conhecimento e formação; liderança; trabalho em equipa; cultura de segurança e aprendizagem; carga de trabalho; exigências físicas e ambiente de trabalho. É esperado que o contributo deste trabalho promova o conhecimento em torno desta temática e que se apresente como o início de uma aposta na valorização, cada vez mais importante, mas ainda limitada, destes valores intangíveis da gestão – os factores humanos. ----------------------------------- ABSTRACT - Patient safety is, nowadays, a fundamental principle of health care. Despite this fact, each point in the process of care contains an inherent degree of uncertainty. Adverse events may result from problems in practice, products, processes or systems. Improving patient safety requires an effort of a whole complex system, involving a wide range of measures to improve performance, safety and environmental risk management, including, among other priorities, the practice of health care in a safe environment and the best quality. It is known that every year die, in Portuguese hospitals, around three thousand people, due to mistakes made by health professionals. To understand human error and intervene as appropriate in their causes, it is required much more than an assessment of the fact itself, but an assessment of the whole structure where it is likely to occur. There are countless factors that are related to this issue, but human factors, those who may deserve some consideration, are still left out in management guidelines and supervisors considerations. Therefore, this research project seeks to determine, through a literature review, the identification of various human factors that influence the performance of healthcare providers involved in direct provision of care. The aim is also to know which factors are reflected in safety healthcare and how they are, in fact, crucial in the performance of professionals and in the promotion of quality and safety of the healthcare provided in healthcare institutions. Given the conclusive results after a review of literature, it is found that the human factors that influence the performance of health professionals are: communicating and sharing information, knowledge and training, leadership, teamwork, safety culture and learning; workload, physical demands and work environment. It is expected that this project may contribute to advance of the knowledge regarding this problem and be an essential tool to the beginning of a reliance on the development, increasingly important but still limited, of these intangibles management values – the human factors.

Improving discovery in the life sciences using semantic Web technologies and linked data: design principles for life sciences knowledge organization systems

Dissertation presented to obtain the Ph.D degree in Bioinformatics

The impact of pharmaceutical policy measures: a structural-break approach

Pharmaceutical spending in many other countries has had a steep increase in the last decade. The Portuguese Government has adopted several measures to reduce pharmaceutical expenditure growth, ranging from increased co-payments to price decreases determined administratively. Promotion of generic consumption has also ranked high in political priorities. We assess the overall impact of the several policy measures on total pharmaceutical spending, using monthly data over the period January 1995 – August 2008. Endogenous structural breaks (time-series) methods were employed. Our findings suggest that policy measures aimed at controlling pharmaceutical expenditure have been, in general, unsuccessful. Two breaks were identified. Both coincide with administratively determined price decreases. Measures aimed at increasing competition in the market had no visible effect on the dynamics of Government spending in pharmaceutical products. In particular, the introduction of reference pricing had only a transitory effect of less than one year, with historical growth resuming quickly. The consequence of it is a transfer of financial burden from the Government to the patients, with no apparent effect on the dynamics of pharmaceutical spending. This strongly suggests that pharmaceutical companies have been able to adjust to policy measures, in order to sustain their sales. It remains a challenge for the future to identify firms’ strategies that supported continued growth of sales, despite the several policy measures adop

Framework-specific DSL para sensoriamento participado

Dissertação para obtenção do Grau de Mestre em Engenharia Informática

Responsible innovation: bringing together technology assessment, applied ethics, and STS research

Paper presented as "key note" at the Doctorate Conference on Technology Assessment in June 2011, at FCT-UNL, Monte de Caparica.

The role of microRNAs in amyotrophic lateral sclerosis

Dissertação para obtenção do Grau de Mestre em Genética Molecular e Biomedicina