Browsing by Issue Date, starting with "2013-12-06"
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- A pedra que os construtores não previram : os trabalhos a mais no contrato de empreitada de obras públicasPublication . Coutinho, Pedro de Sousa Graça Pereira; Calvão, Filipa
- A banca, as novas tecnologias e o consumidor : o caso da Caixa Geral de DepósitosPublication . Rodrigues, Cláudia Sofia Fernandes Pereira; Côrte-Real, Ana Filipa da Rocha de Castro eA constante evolução tecnológica alterou a forma de comunicação e de relacionamento com os clientes, provocando um forte impacto no setor bancário. A Banca introduziu as tecnologias emergentes como forma de diferenciação num mercado cada vez mais competitivo, para permitir maior acessibilidade e comodidade aos seus clientes e para aumentar a produtividade com a consequente redução de custos. O objetivo deste estudo foi perceber como a inovação proporcionada pelos meios tecnológicos afeta a qualidade dos serviços, as expectativas e a satisfação dos clientes. Pretendeu-se analisar o comportamento dos clientes da Caixa Geral de Depósitos (CGD) relativamente aos serviços self-service (caixautomática e caixadirecta on-line) e o perfil do cliente-tipo que os utiliza. O estudo começou com uma revisão de literatura sobre o marketing, dando relevo ao marketing de serviços e à importância do marketing relacional. Seguidamente analisou-se o impacto que as tecnologias self-service têm na prestação de serviços, nos serviços bancários em geral e na CGD em particular. Posteriormente, foi efetuado um estudo empírico, sendo formuladas cinco preposições de investigação que se pretendiam avaliar. Optou-se pelo método de amostragem não casual e foram inquiridos 204 clientes da CGD, à porta de agências deste Banco, representando a população portuguesa com mais de 18 anos, residente nos distritos de Braga e Porto. O estudo demonstrou que os serviços mais utilizados são os levantamentos, compras e pagamentos, e que a idade, a escolaridade e o rendimento familiar são determinantes para a aceitação e utilização das tecnologias self-service. Esta utilização aumenta quanto menor é a idade dos utilizadores (18 aos 30 anos) e maior a escolaridade e o rendimento do agregado familiar. Relativamente ao sexo e estado civil, não existem evidências estatísticas que sejam determinantes para a aceitação e utilização destes serviços. Pode concluir-se que, embora os inquiridos demonstrem estar globalmente satisfeitos com os serviços self-service, não existe evidência de que estejam a aumentar a sua utilização e de que prefiram este serviço a outros (nomeadamente o tradicional face-to-face).
- Futuro dos serviços públicos : relação entre a concessão e a regulaçãoPublication . Machado, Andreia Sofia da Costa; Calvão, Maria Filipa Pires Urbano Costa
- Combining ectomycorrhizal fungi and bacteria: a powerful tool to improve tree performancePublication . Ramos, Miguel A.; Sousa, Nadine R.; Franco, Albina R.; Dundar, Gonul; Oliveira, Rui S.; Castro, Paula M. L.Ectomycorrhizal fungi are ubiquitous to forest soils and the symbiosis between these microorganisms and plants roots is known to be essential for tree establishment and development, especially in areas of poor soil. Studies have also shown that some rhizosphere bacteria may act as plant stimulating agents and growth promoters. Additionally, bacteria and fungi strongly interact and therefore the analysis of the triangle plant-fungi-bacteria is a vital approach when aiming at the use of microbial inocula to enhance plant performance. To obtain a synergistic combination between microorganisms, a thorough selection is required since bacteria may strongly inhibit fungal growth, and vice versa, incurring in the risk of failed inoculum. In the present work we investigated the use of a dual inoculation system, consisting of a bacterial strain from the genus Mesorhizobium in combination with selected ectomycorrhizal fungi. In vitro tests were performed to assess the dynamic of co-culturing both microorganisms. The inoculum was applied at nursery stage and saplings were then transplanted into the field. Approximately 5000 seedlings were used in this experiment comprising the following species: Quercus suber, Quercus robur, Quercus rubra, Pinus pinaster and Pinus pinea. Seedlings were grown for 9 months in a commercial forest greenhouse and then transplanted to 4 locations in Portugal: Mindelo, Santo Tirso, Vila do Conde and Proença-a-Nova. Samples were taken at the end of nursery phase and 8 months after transplantation. Biometric and mycorrhizal parameters were analyzed and the persistence of the inoculated strains was evaluated. The presence of selected phytohormones was also determined. Results showed that the combined use of fungi-bacteria inoculum can be more effective than the use of each individual microbial partner. The use of ectomycorrhizal fungi and bacteria has great potential in forestry as a biotechnological tool to produce high performance plants at nursery stage and in the field.
- Does public investment contribute to regional convergence? : an econometric approach to the Portuguese Regions (NUTS III)Publication . Santos, Mavilde da Conceição Chora Modesto; Correia, Isabel Horta; Raposo, Pedro Miguel SantosThe main objective of this present Master dissertation is to analyze the process of convergence among Portuguese Regions at NUTS III level over 1988-2005 period and the potential contribution of regional public investment allocation to that process. To meet this goal the regional per capita GVA average growth rate was used as well as a proxy of the public investment variable based namely on the Community Support Frameworks expenditure. s-convergence and b-convergence neoclassic growth model hypothesis were applied in a context of a panel data analysis methodology. The results show evidence of regional convergence, that is, faster per capita GVA growth in the poorest regions, during the global period, although Portuguese regions remain quite asymmetric in terms of that indicator. This result was not verified for all of the three sub-periods considered. However on the main question of this thesis data did not show a significant statistical relation between public investment and per capita GVA average growth rate. The public investment allocation was not such as to privilege the reduction of asymmetries and the result was that the investment channeled to the poorest regions did not have a significant effect on the growth. In spite the fact that Portuguese Government has been investing considerably on infrastructures programs and used public investment variable to promote economic growth, it is not possible to assure that its allocation has really contributed to reduce the asymmetries among its NUTS III regions.