Prevenção e mitigação do risco de incumprimento mais eficaz na banca de retalho

O âmbito deste trabalho é o da prevenção e mitigação do risco de uma carteira de crédito de um Banco de retalho, com uma quota significativa no mercado Português. A antecipação de potencial incumprimento é crítica para a atuação atempada do Banco junto dos clientes. Pretendeu-se analisar o poder preditivo de uma base de informação exógena (a Central) que inclui as responsabilidades creditícias dos clientes do Banco no Sistema Financeiro Português. As principais fases deste trabalho consistiram na análise e estruturação da informação da Central, de modo a integrá-la com a do Banco, compreensão das condicionantes desta informação, nomeadamente o desfasamento temporal, e finalmente, no desenvolvimento de um modelo de scoring, compatível com os sistemas e tecnologias do Banco, e de modo a alavancar o processo existente.

Tradução comentada do livro de Abel Salazar "A Crise da Europa"

Este trabalho de projeto do Mestrado em Tradução e Interpretação Especializadas consiste na tradução, para inglês, do livro A Crise da Europa, de Abel Salazar. O protocolo celebrado entre a Casa-Museu Abel Salazar e o ISCAP deu o mote a esta colaboração que tem como objectivo final a edição da obra traduzida, possibilitando que o legado de Abel Salazar esteja cada vez mais acessível a um número crescente de pessoas. Este trabalho pretende, não só, tornar disponível a obra do autor a novos públicos através da sua publicação na que é hoje a língua universal – o inglês –, mas também dar conta de quem foi Abel Salazar em toda a sua soberba pluralidade. Para além da tradução, o presente trabalho leva a cabo uma análise da metodologia utilizada no processo tradutivo e das opções que foram tomadas na produção do texto de chegada. Finalmente, o desfasamento temporal entre o autor/texto fonte e o tradutor/texto de chegada é ilustrado, com recurso a exemplos que o demonstram e clarificam a postura metodológica da tradutora. A tradução desta obra é a primeira alguma vez feita de um livro de Abel Salazar para inglês e considero que será a primeira de muitas que poderão surgir da parceria com a Casa-Museu Abel Salazar.

Glucose consume and growth of E. coli under electromagnetic field

E. coli was submitted to a 5G electromagnetic field generated by a alternate 60 Hz voltage source. The differences on growth and glucose consume in control and exposed groups were evaluated using the non-parametric Mann-Whitney U-test. There was a significant difference in glucose consume and growth in E. coli after 8 hours of exposition to electromagnetic field. It can be concluded that electromagnetic field had a positive effect in consume of glucose and growth of E. coli. The cause of these results can be explained by an increasing of glucose entrance through membrane due to the stimulated transport system via Facility Diffusion or cyclotron resonance. The growth can be caused by shortening of lag phase and excitement of log phase.

Fractional Dynamics Representation in the Pseudo Phase Plane

Proceedings of the 10th Conference on Dynamical Systems Theory and Applications

Effects of Sevelamer Hydrochloride and Calcium Carbonate on Renal Osteodystrophy in Hemodialysis Patients

Disturbances in mineral metabolism play a central role in the development of renal bone disease. In a 54-wk, randomized, open-label study, 119 hemodialysis patients were enrolled to compare the effects of sevelamer hydrochloride and calcium carbonate on bone. Biopsy-proven adynamic bone disease was the most frequent bone abnormality at baseline (59%). Serum phosphorus, calcium, and intact parathyroid hormone were well controlled in both groups, although calcium was consistently lower and intact parathyroid hormone higher among patients who were randomly assigned to sevelamer. Compared with baseline values, there were no changes in mineralization lag time or measures of bone turnover (e.g., activation frequency) after 1 yr in either group. Osteoid thickness significantly increased in both groups, but there was no significant difference between them. Bone formation rate per bone surface, however, significantly increased from baseline only in the sevelamer group (P = 0.019). In addition, of those with abnormal microarchitecture at baseline (i.e., trabecular separation), seven of 10 in the sevelamer group normalized after 1 yr compared with zero of three in the calcium group. In summary, sevelamer resulted in no statistically significant changes in bone turnover or mineralization compared with calcium carbonate, but bone formation increased and trabecular architecture improved with sevelamer. Further studies are required to assess whether these changes affect clinical outcomes, such as rates of fracture.

FAS -670A>G genetic polymorphism Is associated with Treatment Resistant Depression

Background Hippocampal neurogenesis has been suggested as a downstream event of antidepressants (AD) mechanism of action and might explain the lag time between AD administration and the therapeutic effect. Despite the widespread use of AD in the context of Major Depressive Disorder (MDD) there are no reliable biomarkers of treatment response phenotypes, and a significant proportion of patients display Treatment Resistant Depression (TRD). Fas/FasL system is one of the best-known death-receptor mediated cell signaling systems and is recognized to regulate cell proliferation and tumor cell growth. Recently this pathway has been described to be involved in neurogenesis and neuroplasticity. Methods Since FAS -670A>G and FASL -844T>C functional polymorphisms never been evaluated in the context of depression and antidepressant therapy, we genotyped FAS -670A>G and FASL -844T>C in a subset of 80 MDD patients to evaluate their role in antidepressant treatment response phenotypes. Results We found that the presence of FAS -670G allele was associated with antidepressant bad prognosis (relapse or TRD: OR=6.200; 95% CI: [1.875–20.499]; p=0.001), and we observed that patients carrying this allele have a higher risk to develop TRD (OR=10.895; 95% CI: [1.362–87.135]; p=0.008).Moreover, multivariate analysis adjusted to potentials confounders showed that patients carrying G allele have higher risk of early relapse (HR=3.827; 95% CI: [1.072–13.659]; p=0.039). FAS mRNA levels were down-regulated among G carriers, whose genotypes were more common in TRD patients. No association was found between FASL-844T>C genetic polymorphism and any treatment phenotypes. Limitations Small sample size. Patients used antidepressants with different mechanisms of action. Conclusion To the best of our knowledge this is the first study to evaluate the role of FAS functional polymorphism in the outcome of antidepressant therapy. This preliminary report associates FAS -670A>G genetic polymorphism with Treatment Resistant Depression and with time to relapse. The current results may possibly be given to the recent recognized role of Fas in neurogenesis and/or neuroplasticity.

Spatio-temporal analyses of the relationship between armed conflict and climate change in the eastern Africa

Dissertation submitted in partial fulfillment of the requirements for the Degree of Master of Science in Geospatial Technologies.

Studying urban space and literary representations using GIS: Lisbon, Portugal, 1852-2009

This article proposes a methodology to address the urban evolutionary process, demonstrating how it is reflected in literature. It focuses on “literary space,” presented as a territory defined by the period setting or as evoked by the characters, which can be georeferenced and drawn on a map. It identifies the different locations of literary space in relation to urban development and the economic, political, and social context of the city. We suggest a new approach for mapping a relatively comprehensive body of literature by combining literary criticism, urban history, and geographic information systems (GIS). The home-range concept, used in animal ecology, has been adapted to reveal the size and location of literary space. This interdisciplinary methodology is applied in a case study to nineteenth- and twentieth-century novels involving the city of Lisbon. The developing concepts of cumulative literary space and common literary space introduce size calculations in addition to location and structure, previously developed by other researchers. Sequential and overlapping analyses of literary space throughout time have the advantage of presenting comparable and repeatable results for other researchers using a different body of literary works or studying another city. Results show how city changes shaped perceptions of the urban space as it was lived and experienced. A small core area, correspondent to a part of the city center, persists as literary space in all the novels analyzed. Furthermore, the literary space does not match the urban evolution. There is a time lag for embedding new urbanized areas in the imagined literary scenario.

Determinants of exchange rates: An empirical analysis

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

Um elemento finito fisicamente não-linear para vigas mistas aço-betão

Dissertação para obtenção do Grau de Mestre em Engenharia Civil

Post-merger innovative performance in the renewable energy sector

Due to global warming and shrinking fossil fuel resources, politics as well as society urge for a reduction of green house gas (GHG) emissions. This leads to a re-orientation towards a renewable energy sector. In this context, innovation and new technologies are key success factors. Moreover, the renewable energy sector has entered a consolidation stage, where corporate investors and mergers and acquisitions (M&A) gain in importance. Although both M&A and innovation in the renewable energy sector are important corporate strategies, the link between those two aspects has not been examined before. The present thesis examines the research question how M&A influence the acquirer’s post-merger innovative performance in the renewable energy sector. Based on a framework of relevant literature, three hypotheses are defined. First, the relation between non-technology oriented M&A and post-merger innovative performance is discussed. Second, the impact of absolute acquired knowledge on postmerger innovativeness is examined. Third, the target-acquirer relatedness is discussed. A panel data set of 117 firms collected over a period of six years has been analyzed via a random effects negative binomial regression model and a time lag of one year. The results support a non-significant, negative impact of non-technology M&A on postmerger innovative performance. The applied model did not support a positive and significant impact of absolute acquired knowledge on post-merger innovative performance. Lastly, the results suggest a reverse relation than postulated by Hypothesis 3. Targets from the same industry significantly and negatively influence the acquirers’ innovativeness.

Effects of quantitative easing on the USA economy: A test for policy effectiveness

The catastrophic disruption in the USA financial system in the wake of the financial crisis prompted the Federal Reserve to launch a Quantitative Easing (QE) programme in late 2008. In line with Pesaran and Smith (2014), I use a policy effectiveness test to assess whether this massive asset purchase programme was effective in stimulating the economic activity in the USA. Specifically, I employ an Autoregressive Distributed Lag Model (ARDL), in order to obtain a counterfactual for the USA real GDP growth rate. Using data from 1983Q1 to 2009Q4, the results show that the beneficial effects of QE appear to be weak and rather short-lived. The null hypothesis of policy ineffectiveness is not rejected, which suggests that QE did not have a meaningful impact on output growth.

The late adopter scale: A measure of late adopters of technological innovations

Diffusion of Innovation is a topic of interest for researchers and practitioners. Although substantial research is conducted on user categories, researchers often focus on the first half of the curve, ignoring the late adopters. We conduct two studies to measure the attributes of late adopters. In our first study of mobile phone users, we develop the Late-Adopter Scale. We then test it on a sample of laptop users. This scale is multi-dimensional, presents nomological and discriminant validity and has three dimensions: 1) rate of adoption, 2) resistance to innovation, and 3) skepticism. Findings reveal that all three Late Adopter Scale dimensions are significantly associated with low price preference. Moreover, in both samples skepticism is associated with high preference for simple products, lower leading edge status, and lower product involvement. Discussion focuses on implications of this new scale to theory and practice of new product development and diffusion of innovation.

Differential activation of the default mode network in jet lagged individuals

Long-term exposure to transmeridian flights has been shown to impact cognitive functioning. Nevertheless, the immediate effects of jet lag in the activation of specific brain networks have not been investigated. We analyzed the impact of short-term jet lag on the activation of the default mode network (DMN). A group of individuals who were on a transmeridian flight and a control group went through a functional magnetic resonance imaging acquisition. Statistical analysis was performed to test for differences in the DMN activation between groups. Participants from the jet lag group presented decreased activation in the anterior nodes of the DMN, specifically in bilateral medial prefrontal and anterior cingulate cortex. No areas of increased activation were observed for the jet lag group. These results may be suggestive of a negative impact of jet lag on important cognitive functions such as introspection, emotional regulation and decision making in a few days after individuals arrive at their destination.

Determination of catalase activity and its inhibition by a simple manometric method

[Excerpt] Introduction: There has been a considerable amount of controversy about the use of manometric methods to measure catalase activity. As Maehly and Chance point out in their excellent review] the advantages of these methods is "... that they can be used for any kind of biological material, and purification of the enzyme is not required. The assay is independent of small amounts of peroxidase activity. It is fairly simple to perform, it is rapid and it can be adapted to continuous reading of the reaction". A variety of drawbacks are also listed by the same authors, viz, the inactivation of the enzyme under the experimental conditions and the time lag before a constant rate of oxygen evolution is reached. [...]