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Journal articles on the topic 'Credit – Portugal'

Author: Grafiati

Published: 10 March 2023

Last updated: 31 July 2025

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1

Sin, Cristina, Orlanda Tavares, and Guy Neave. "Student Mobility in Portugal." Journal of Studies in International Education 21, no. 2 (2016): 120–35. http://dx.doi.org/10.1177/1028315316669814.

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The article examines how far the key Bologna objective of student mobility has been achieved in Portuguese higher education institutions and the main factors shaping it. It analyzes credit mobility, outgoing and incoming, between Portugal and Europe. Although mobility overall has risen, incoming mobility has grown faster, making Portugal an importer country. Portugal’s attraction power is explained mainly by its location, climate, and leisure opportunities. For outgoing mobility, employability is the main driver, explained by high unemployment and an uncertain home labor market. The main obsta

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Cabo, Paula, Amparo Melian-Navarro, and João Rebelo. "The governance structure of Portuguese and Spanish credit cooperatives: Differences and similarities." Corporate Ownership and Control 6, no. 3 (2009): 318–27. http://dx.doi.org/10.22495/cocv6i3c2p6.

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The literature recognizes that credit cooperatives are the “appropriate technology” for relatively backward economies, but should fade away or disappear altogether as economic development proceeds. However, surprisingly, they are among the fastest growing groups of financial institutions in some advanced economies. Though the credit cooperatives in Portugal and Spain present relatively small market shares, they perform a very important role in the rural economy. Over the last decades, the Iberian credit cooperatives have adopted a process of economic and financial restructuring, through an int

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Varum, Celeste, and Alla Kolyban. "Wealth and credit compliance." Financial Services Review 23, no. 4 (2014): 325–39. http://dx.doi.org/10.61190/fsr.v23i4.3205.

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   The purpose of this work is to empirically examine the influence of economic literacy upon individuals’ over-indebtedness and households’ wealth. It may be argued that the lack of economic- financial knowledge may have detrimental consequences, in particular reflected in higher exposure to credit and financial risk. There is scarce literature testing the importance of economic-financial literacy for individuals’ over-indebtedness and household wealth. This article provides empirical evidence on the importance of financial literacy, for both individuals’ over-indebtedness a

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Dos Santos Morão Lourenço, António José, Alexandre Gonçalves Governo, and Ariana Inês Gonçalves Leal. "The importance of commercial credit for business in Portugal." Współczesne Finanse. Teoria i Praktyka 1 (2016): 35–45. http://dx.doi.org/10.18276/wf.2016.1-04.

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Pires, Clara, and Maria Basílio. "Determinants of Portuguese banks' profitability: an update." Tourism & Management Studies 17, no. 3 (2021): 63–70. http://dx.doi.org/10.18089/tms.2021.170305.

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In this study, we assess the main determinants of banks' profitability in Portugal over the period 2015–2018. We divide the factors that can influence bank profitability into several groups: management quality, credit quality, capital adequacy, liquidity (internal bank factors), and GDP growth (an external factor). The panel dataset is composed of annual report data for the 18 major banks operating in Portugal, representing about 98% of the Portuguese banking product. Profitability has been a persistent challenge for banks since the global financial crisis. Moreover, the Portuguese banking sys

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Cuestas, Juan Carlos, and Karsten Staehr. "The Great Leveraging in the European crisis countries." Journal of Economic Studies 44, no. 6 (2017): 895–910. http://dx.doi.org/10.1108/jes-12-2016-0268.

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Purpose The Great Leveraging was an episode of rapid credit growth and booming housing markets leading up to the global financial crisis. It is important to identify the key drivers of the Great Leveraging and, to this end, the purpose of this paper is to model the relationship between domestic credit and net foreign liabilities in the EU countries most affected by the crisis. Design/methodology/approach The analyses show that domestic credit and net foreign liabilities were cointegrated one-to-one for Greece, Italy, Portugal and Spain, while there was no cointegration for Ireland. Estimation

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Ferreira, Fernando A. F. "READJUSTING TRADE-OFFS AMONG CRITERIA IN INTERNAL RATINGS OF CREDIT-SCORING: AN EMPIRICAL ESSAY OF RISK ANALYSIS IN MORTGAGE LOANS." Journal of Business Economics and Management 14, no. 4 (2013): 715–40. http://dx.doi.org/10.3846/16111699.2012.666999.

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Credit-scoring becomes increasingly important in poor economies and recessions. Decreasing liquidity due to reduced access to both money and debt markets has induced banks to impose restrictions on offering credit, including credit for mortgage loans. In this paper we analyze the internal rating system used by one of the top-five banks in Portugal, and propose a methodological framework which, based on an application of the Delphi technique, allows adjusting trade-offs among evaluation criteria and provides decision makers with a fairer, more accurate and transparent mortgage risk evaluation s

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Pinto, António Pedro Soares, Carla Manuela Ribeiro Henriques, Carolina Esteves Oliveira da Silva Cardoso, and Maria Elisabete Duarte Neves. "Bank Credit and Trade Credit: The Case of Portuguese SMEs from 2010 to 2019." Journal of Risk and Financial Management 16, no. 3 (2023): 170. http://dx.doi.org/10.3390/jrfm16030170.

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Small companies face significant difficulties in accessing finance, and the use of bank credit and trade credit are the primary sources of financing, specifically in small countries, with little market liquidity, and focused on the banking system, as is the case of Portugal. The main objective of this article is to identify significant drivers of bank and trade credit, as well as investigate the complementary or substitutive relationship between them, considering that both constitute an essential source of financing for small and medium-sized enterprises (SMEs). The sample comprises 5860 compa

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Kayhan, Nilay, and Pelin Pistav Akmese. "Examining the game teaching in special education teacher training in Turkey and European Union Member States." Cypriot Journal of Educational Sciences 13, no. 3 (2018): 349–59. http://dx.doi.org/10.18844/cjes.v13i3.751.

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This study aims to examine the compulsory courses related to the game and game teaching in special education teacher training undergraduate programme in terms of number, term, credit and content. The data in descriptive study have been determined using document analysis technique. It has been stated that pre-service teachers in most of the EU countries such as Belgium, Finland, Hungary, Luxemburg, Malta, Portugal, etc. take the courses related to game teaching in the first, second and third years of their education, and the courses with the lowest credit are included in Greece’s and Holland’s

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10

Tavares, Fernando, Eulália Santos, Margarida Freitas Oliveira, and Luís Almeida. "Determinants of Corporate Indebtedness in Portugal: An Analysis of Financial Behaviour Clusters." Risks 12, no. 6 (2024): 91. http://dx.doi.org/10.3390/risks12060091.

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Corporate indebtedness is a powerful tool in determining a company’s financial health with impacts on its image and reputation. The main objective of this research is to study the determining factors in corporate indebtedness in Portugal. It also has the secondary objectives of creating clusters of companies’ behaviour in relation to the use of credit and verifying their differences in relation to the characteristics of the companies. It uses a quantitative methodology based on a questionnaire survey of 1957 Portuguese companies. The results of the factor analysis show the formation of six det

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Ferreira, Fernando A. F., Sérgio P. Santos, and Vítor M. C. Dias. "AN AHP-BASED APPROACH TO CREDIT RISK EVALUATION OF MORTGAGE LOANS." International Journal of Strategic Property Management 18, no. 1 (2014): 38–55. http://dx.doi.org/10.3846/1648715x.2013.863812.

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Mortgage loans for home purchase require careful analysis by all parties involved in the transaction, and credit-scoring is usually adopted to assist the decision process. From a credit institution standpoint, credit-scoring for mortgage loan risk evaluation becomes even more important in scenarios of economic turbulence and recession, primarily because of the severe restrictions imposed on credit availability that result from reduced access to both money and debt markets and subsequent decreasing liquidity. Employing an AHP – Analytic Hierarchy Process – based approach in the creditscoring sy

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Li, Kang, Jyrki Niskanen, and Mervi Niskanen. "Capital structure and firm performance in European SMEs." Managerial Finance 45, no. 5 (2019): 582–601. http://dx.doi.org/10.1108/mf-01-2017-0018.

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Purpose The purpose of this paper is to investigate whether the relationship between capital structure and firm performance in small- and medium-sized enterprises (SMEs) is moderated by credit risk. Design/methodology/approach The authors empirically test whether an SME’s credit risk affects the SME’s relationship between capital structure and firm performance by using a 2012 cross-sectional sample of European SMEs from Austria, Belgium, Finland, France, Germany, Italy, Portugal, Spain, Sweden and the UK. Findings The empirical results suggest that in low credit risk SMEs, the debt ratio is ne

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Blattner, Laura, Luisa Farinha, and Francisca Rebelo. "When Losses Turn into Loans: The Cost of Weak Banks." American Economic Review 113, no. 6 (2023): 1600–1641. http://dx.doi.org/10.1257/aer.20190149.

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We provide evidence that banks distort the composition of credit supply in order to comply with ratio-based capital requirements in times of economic distress. An unexpected intervention by the European Banking Authority provides a natural experiment to study how banks respond to falling below minimum required capital ratios during an economic downturn. We show that affected banks respond by cutting lending but also by reallocating credit to distressed firms with underreported loan losses. We develop a method to detect underreported losses using loan-level data. The credit reallocation leads t

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14

Wang, Simiao, Shengqi You, and Shenwei Zhou. "Loan Prediction Using Machine Learning Methods." Advances in Economics, Management and Political Sciences 5, no. 1 (2023): 210–15. http://dx.doi.org/10.54254/2754-1169/5/20220081.

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Credit risk has always been the most important risk faced by commercial banks. Credit risk management has important practical significance for preventing credit risk. With the emerging of machine learning algorithms, numerous frameworks, including linear regression, support vector machine, random forest and decision tree are proposed with satisfying performance and robust accuracy. This paper will focus on predicting credit outcomes and calculating forecast accuracy from a given dataset. This paper adopts three algorithms, decision tree, random forest and logistic regression, to calculate the

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Pereira, Helga, and Rui Cunha Marques. "Irrigation water tariffs: lessons for Portugal." Water Policy 22, no. 5 (2020): 887–907. http://dx.doi.org/10.2166/wp.2020.005.

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Abstract This article aims to provide a comprehensive review of the empirical literature on irrigation water tariffs in several countries, particularly in Mediterranean European countries, and to offer insights into the Portuguese status quo. We analyze a wide variety of tariffs, and the largest differences among them are discussed. In various countries, in those regions with a higher demand for water, irrigation water tariffs are more complex and higher, varying from country to country and, within the same country, from region to region. Large differences in irrigation water tariffs among dif

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Chen, Baoxin, Xi Wang, and Kan Chen. "Macau Chinese Raising Funds for the 1941 Portugal Windstorm Reconstruction during WWII: Perspective of Public Choice." Revista Portuguesa de História 54 (November 10, 2023): 47–75. http://dx.doi.org/10.14195/0870-4147_54_2.

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A rare extreme windstorm struck Portugal in 1941 when Macau was suffering from the complex Second Sino-Japanese War (WWII). Macau Chinese raised funds for Portuguese windstorm reconstruction-a little-known international diplomatic charity event relevant to Luso-Chinese relations. This article reviewed the Letters of Credit (in Chinese and Portuguese) and Chinese newspapers to provide a historical overview of the charity event across geographies, nationalities, and ethnicities and uses public choice theory to explore the motivation and underlying logic of events. Following more than two months

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ANDRAZ, JORGE M., CRISTINA M. VIEGAS, and NÉLIA M. NORTE. "On the relationship between sovereign bonds and credit default swaps in Portugal." International Journal of Economic Sciences V., no. 1 (2016): 18–36. http://dx.doi.org/10.20472/es.2016.5.1.002.

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Fernández-Villaverde, Jesús, Luis Garicano, and Tano Santos. "Political Credit Cycles: The Case of the Eurozone." Journal of Economic Perspectives 27, no. 3 (2013): 145–66. http://dx.doi.org/10.1257/jep.27.3.145.

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We study the mechanisms through which the entry into the euro delayed, rather than advanced, key economic reforms in the eurozone periphery and led to the deterioration of important institutions in these countries. We show that the abandonment of the reform process and the institutional deterioration, in turn, not only reduced their growth prospects but also fed back into financial conditions, prolonging the credit boom and delaying the response to the bubble when the speculative nature of the cycle was already evident. We analyze empirically the interrelation between the financial boom and th

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Silva, Joao Carlos Marques, and José Pereira. "Novo Banco – what good out of a bad bank?" CASE Journal 16, no. 5 (2020): 551–84. http://dx.doi.org/10.1108/tcj-03-2019-0016.

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Research methodology Analysis of public sources. Case overview/synopsis The bank named “Novo Banco” (New Bank in Portuguese) was created because of an emergency intervention by the Bank of Portugal to save the “good” assets of the once great but bankrupt Banco Espírito Santo (BES) on August 4, 2014. The toxic assets remained in BES (dubbed “bad bank”). BES was one of the biggest private banks in Portugal, with origins mounting back to the year 1869. In 2013, it was headed by the founder’s great-grandson, Ricardo Salgado, when an external audit revealed several problems with the bank’s accounti

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Tavares, de, Elisabeth Pereira, and Moreira Carrizo. "The Portuguese residential real estate market: An evaluation of the last decade." Panoeconomicus 61, no. 6 (2014): 739–57. http://dx.doi.org/10.2298/pan1406739t.

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This article presents an integrated vision of the context of the residential real estate market in Portugal. It analyses the evolution of several macroeconomic indicators during the last decade. The article is complemented with the analysis of the house prices, where an evaluation of average prices of apartments in Portugal according to different typologies and regions have been done. Regarding the market environment, several indicators are assessed, such as the evolution of interest rates, the evolution of households? credit, the consumption and construction confidence indexes and the evoluti

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Popova, Tamara, and Anastasiya Yastrebova. "Modeling Sovereign Credit Risk with Environmental Efficiency in Mind." Ideas and Ideals 16, no. 1-2 (2024): 351–69. http://dx.doi.org/10.17212/2075-0862-2024-16.1.2-351-369.

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This study contributes to the evaluation of the role of the eco-efﬁciency factor in explaining sovereign credit risk. The purpose of the study is to develop a model of sovereign credit risk taking into account the environmental efﬁciency factor. The sample includes the following countries: Argentina, Belgium, China, China, Egypt, Germany, Greece, Nigeria, Pakistan, Portugal, Spain. 58 % of the world’s countries are categorized as investment grade, indicating that more than half of the countries have high and very high solvency. Using the multiple regression method, the factors affecting the so

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Önal, Nisa Özge, and Ertugrul Karacuha. "Novel Approaches on Sovereign Credit Ratings." European Journal of Pure and Applied Mathematics 11, no. 4 (2018): 1014–26. http://dx.doi.org/10.29020/nybg.ejpam.v11i4.3333.

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Credit ratings that are transparent, impartial and reliable as well as being up to date, quickly and easily calculated will provide convenience to investors and countries. In this study, sovereign credit rating methodologies of CRAs and studies in relevant literature are examined in detail, and two dynamic methods are proposed. These models classify countries as investable or speculative in the short term. In the first model, we used stock market values and macroeconomic variables with the Normalized Least Mean Square (NLMS) algorithm. Ratings for 15 countries are determined according to the s

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Martins, Ana Maria, Gualter Couto, and Pedro Pimentel. "Pandemic effect on company’s sustainability debt policy: The case of Portugal." Journal of Infrastructure, Policy and Development 8, no. 6 (2024): 4608. http://dx.doi.org/10.24294/jipd.v8i6.4608.

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Amid the relentless grip of the COVID-19 pandemic, sustainability has emerged as a paramount concern across global economies. As businesses grapple with unprecedented challenges, the imperative for sustainable practices in corporate finance becomes increasingly evident. Throughout this crisis, companies have faced staggering financial strains, with diminished turnovers and escalating operational costs pushing many to the brink of collapse. In response, governments worldwide have provided vital support, albeit often insufficient, underscoring the necessity for sustainable mechanisms of interven

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Brettell, Caroline B. "Moral Economy or Political Economy? Property and Credit Markets in 19th Century Rural Portugal." Journal of Historical Sociology 12, no. 1 (2002): 1–28. http://dx.doi.org/10.1111/1467-6443.00078.

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Maurin, Laurent. "Weakness of investment in Portugal: what role do credit supply and fiscal consolidation shocks play?" Portuguese Economic Journal 18, no. 1 (2019): 19–45. http://dx.doi.org/10.1007/s10258-018-00151-y.

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Lorenčič, Eva, and Mejra Festić. "The Impact of Macroprudential Policy Instruments on Financial Stability in Southern Europe." Naše gospodarstvo/Our economy 68, no. 1 (2022): 25–34. http://dx.doi.org/10.2478/ngoe-2022-0003.

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Abstract This paper is a contribution to the body of research examining the impact of macroprudential policy instruments on financial stability. The following hypothesis was tested (H1): Macroprudential policy instruments (household borrowing costs; interbank loans as a percentage of total loans; loan to deposit ratio; leverage ratio; and solvency ratio) enhance financial stability, as measured by credit growth, in four southern European economies (Greece, Italy, Portugal and Spain) from Q4 2010 to Q4 2018. The empirical results of this study suggest that, of the investigated macroprudential p

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Pires, Clara, Carlos Borralho, and Ana Cantarinha. "Do rising interest rates matter for bank profitability? Evidence from Portuguese banks." European Journal of Government and Economics 13, no. 2 (2024): 120–35. https://doi.org/10.17979/ejge.2024.13.2.10853.

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The purpose of this paper is to analyse the profitability determinants of seventeen banks operating in Portugal from 2013 to 2023. The banking market has changed significantly, particularly since 2021, when Euribor grew rapidly to control inflation target. Methodologically, a hypothetical-deductive approach was used based on panel data collected from banks' published accounts. To generate results, grouped ordinary least squares were applied, as the Breusch-Pagan test confirms homoscedasticity, an essential assumption in this regression model. Internal variables considered include credit qualit

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A.F. Ferreira, Fernando, Sérgio P. Santos, Carla S.E. Marques, and João Ferreira. "Assessing credit risk of mortgage lending using MACBETH: a methodological framework." Management Decision 52, no. 2 (2014): 182–206. http://dx.doi.org/10.1108/md-01-2013-0021.

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Purpose – Considered the largest investment for most households, buying a house requires careful and transparent analysis by all parties involved in the transaction. The aim of this paper is to propose a methodological framework allowing for the readjustment of trade-offs among risk evaluation criteria, considered of extreme importance in the lending decision process of mortgage loans. Design/methodology/approach – Multiple criteria decision analysis (MCDA) has proved over the years to be effective and versatile in handling compensations among criteria. Measuring attractiveness is applied by a

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Eyden, Samunderu, and Layher Nicolleta. "Unpacking the impact of CRA’s watch announcement on EUsovereign bond yields: empirical examination ofEx Anteand post ante effects of the CRAII regulation." BOHR International Journal of Operations Management Research and Practices 1, no. 1 (2022): 60–76. http://dx.doi.org/10.54646/bijomrp.2022.08.

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The study aims to analyze whether there is a correlation between credit rating agencies’ (CRAs) watchannouncements on EU sovereign bond yields and EU sovereign bond yields after the implementation of the CRAII Regulation. In theory, the role of rating agencies is to provide key information to investors regarding the riskassociated with investing in sovereign bonds. However, it remains unclear whether CRAs influence EU sovereignbond yields. Sovereign bond yields are collected for Austria, Germany, Belgium, Finland, France, the Netherlands,Ireland, Italy, Spain, and Portugal. These countries’ sa

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Lisboa, Inês, and Nídia Santos. "Regional heterogeneity impact on capital structure: The case of the textile industry in Portugal." RPER, no. 70 (January 22, 2025): 107–23. https://doi.org/10.59072/rper.vi70.686.

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This study aims to analyze the impact of regional heterogeneity on micro, small and medium enterprises (MSMEs) capital structure. Specifically, this paper studies the regional impact on firms’ indebtedness through indicators that measure regional social, economic, and financial development, and also if the determinants that explain firms’ debt levels are different across regions belonging to the same country. An unbalanced panel data of 1,566 firms of the manufacturing textile industry in Portugal, over the period 2015-2020, is analyzed. Results suggest that regional development, namely region

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Justo, J. L., and C. Salwa. "The 1531 Lisbon earthquake." Bulletin of the Seismological Society of America 88, no. 2 (1998): 319–28. http://dx.doi.org/10.1785/bssa0880020319.

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Abstract In January 1531, the Tagus River Estuary was hit by a strong earthquake, the intensity of which in Lisbon was, according to relevant authors, greater than that of the 1755 earthquake. It was cited by most of the European annalists of the time and was responsible for the destruction of structures, the loss of lives, and enormous panic, thus making it one of the most disastrous earthquakes in the history of Portugal. If we give credit to the detailed descriptions, the maximum intensity was probably X MSK. According to our study, the seismic event was probably caused by the Lower Tagus f

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Carboni, Alessandro, and Andrea Carboni. "The cash-cds basis for sovereign countries: Market strategy, price discovery and determinants." Journal of Governance and Regulation 1, no. 2 (2012): 49–71. http://dx.doi.org/10.22495/jgr_v1_i2_p3.

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We study the cash-CDS basis and its implication for market strategies and price discovery, together with the role of credit risk common factors. A positive net income is derived with a negative basis, once funding costs are considered. There exists an arbitrage opportunity for Greece in 2010, with a negative basis of more than 100 bp. Our comparison with three different basis shows that while converging markets seem adopt the same strategy, in particular for Portugal, Ireland and Greece. Results for price discovery show that the CDS market moves ahead the bond market. Finally, our empirical an

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Samunderu, Eyden, and Nicoletta Layher. "Unpacking the Impact of CRAsWatch Announcement on EU Sovereign Bond Yields: Empirical Examination of Ex Ante and Post Ante Effects of the CRAII Regulation." BOHR International Journal of Operations Management Research and Practices 1, no. 1 (2022): 59–75. http://dx.doi.org/10.54646/bijomrp.008.

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The paper aims to analyze whether if, there is a correlation relationship between Credit Rating Agencies’ (CRAs) watch announcements on EU sovereign bond yields and EU sovereign bond yields after the implementation of CRA II regulation. In theory, the role of rating agencies is to provide key information to investors regarding the risk associated with in investing in sovereign bonds. . . However, it remains unclear whether CRAs influence EU sovereign bond yields. Sovereign bond yields are collected for Austria, Germany, Belgium, Finland, France, the Netherlands, Ireland, Italy, Spain and Portu

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SANTOS, RUI. "Risk-sharing and social differentiation of demand in land-tenancy markets in southern Portugal, seventeenth–nineteenth centuries." Continuity and Change 21, no. 2 (2006): 287–312. http://dx.doi.org/10.1017/s0268416006005959.

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Theoretical debates about the efficiency of sharecropping discuss risk-sharing in relation to farmers' wealth and credit, as one explanatory factor. This perspective is explored here in the southern Portuguese province of Alentejo, from the seventeenth to the mid-nineteenth century. Three points are made: (1) leasing and sharecropping coexisted on the same land; (2) there was no unequivocal relationship between risk sharing, on the one hand, and the contractual mode of tenancy (fixed-rent or sharecropping), on the other; and (3) relating risk-sharing, defined as a continuous variable, with soc

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FERRAZ, David. "From Theory to Practice: Enhancing Public Administration Leaders’ Capacities Through Collaborative Training Programs." Transylvanian Review of Administrative Sciences, no. 75 E (June 27, 2025): 5–16. https://doi.org/10.24193/tras.75e.1.

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Education and training of public leaders are critical for public administration performance and achieving the Sustainable Development Goals (SDGs). Public leaders act as a bridge between political power and public administration, serving as catalysts for change, directly influencing public organizations and policies. Investment in leadership development is essential to prepare leaders for Volatility, Uncertainty, Complexity, and Ambiguity (VUCA) environments, fostering shared management language and collaborative problem-solving across organizations. This article analyzes reforms to the Portug

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Pereira, Adalmiro Andrade, and Ângela Vaz. "Corporate Governance and banking performance in Portugal: The impact of variable - RAC_IMP (Impairments)." Journal of Information Systems Engineering and Management 7, no. 4 (2022): 18121. http://dx.doi.org/10.55267/iadt.07.12548.

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Effective corporate governance practices are essential to achieving and maintaining societal trust in the banking system, which is essential for the smooth functioning of the financial sector and the economy.<br /> Much of the literature associated with Corporate Governance considers, in addition to concepts, the implementation cycle and the corresponding models. Corporate Governance cycles are related to corporate bankruptcies and the negligence of the board of directors, which are more common when a long period of economic expansion is followed by a period of crisis, which demonstrates

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Koengkan, Matheus, and José Alberto Fuinhas. "Heterogeneous Effect of “Eco-Friendly” Dwellings on Transaction Prices in Real Estate Market in Portugal." Energies 15, no. 18 (2022): 6784. http://dx.doi.org/10.3390/en15186784.

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The main objective of this research is to assess the impact of energy certificate ratings (EPCs) on the value per m2 of Portuguese housing sales. Data from 289 Portuguese municipalities between 2014 and 2019, analysed with a fixed effects panel and method of moments quantile regression, were used. EPCs with high energy efficiency ratings (e.g., A+, A, B, and B-) are used as a proxy for dwellings with “green” or “environmentally friendly” certificates. On the other hand, ratings with a low energy efficiency (e.g., C, D, E, and F) are used as a proxy for dwellings with “non-green” or “not enviro

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Serrasqueiro, Zélia. "Are capital structure decisions of service SMEs different? Empirical evidence from Portugal." Management Research Review 34, no. 1 (2011): 34–57. http://dx.doi.org/10.1108/01409171111096469.

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PurposeThe purpose of this paper is to analyze the importance of information asymmetry in the relationships between Portuguese SME's capital structure decisions and creditors, comparing the results of service SME with those found in manufacturing SMEs.Design/methodology/approachTwo samples of Portuguese SMEs are considered: one sample is composed by 610 unlisted service SMEs; and, the other sample is made up by 381 unlisted SMEs in manufacturing industry, for the period 1999‐2006. To estimate the results, the two‐step estimation method is used, to control possible bias arising from data select

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Tavares, Fernando, Eulália Santos, Mafalda Venâncio de Vasconcelos, and Vasco Capela Tavares. "A Statistical Analysis of Companies’ Financing Strategies in Portugal during the COVID-19 Pandemic." Journal of Risk and Financial Management 16, no. 2 (2023): 116. http://dx.doi.org/10.3390/jrfm16020116.

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This study aims to establish which sources of financing were used and the relevance of different banking products for Portuguese companies during the pandemic. We also intend to understand the determinants of companies’ financing options and what lies behind their decisions concerning the appropriate level of debt. A quantitative methodology was used, based on a questionnaire given to Portuguese companies to analyse different financing issues. The sample was composed of 1957 companies with a business volume of more than EUR 500,000 per year. The results show that Portuguese companies focused o

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Ting, Chien-Jung. "Prioritizing Solutions of Sovereign Debt Default in PIIGS." International Business Research 11, no. 2 (2018): 161. http://dx.doi.org/10.5539/ibr.v11n2p161.

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The global economic recession in 2008 triggered an eruption of Europe sovereign debt defaults in Portugal, Italy, Ireland, Greece, and Spain (PIIGS), and these defaults originated from a social welfare expense burden and sovereign debt rollover. In this paper, we detect methods for eliminating the European sovereign debt crisis via the Delphi technique and the Analytic Hierarchy Process. Suggestions from experts include, respectively, “actively lessening government fiscal deficit,” ”lowering the sovereign debt of PIIGS,” and “strengthening the fiscal structure of Eurozone countries.” The empir

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Golubovskaja, Lena. "IMF Fiscal Surveillance during the Eurozone Crisis." International Journal of Signs and Semiotic Systems 5, no. 1 (2016): 1–19. http://dx.doi.org/10.4018/ijsss.2016010101.

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This study analyses the tone and information content of the IMF Article IV Staff Reports during the Eurozone crisis. Researchers create a tone measure denoted WARNING, based on the existing DICTION 7.1 Hardship dictionary. Researchers find that in the run-up to the current credit crises the warnings by the IMF were issued to Luxembourg, Malta, Portugal, and Slovenia. In contrast, the more severely hit countries were not warned by the tone of the IMF Article IV Staff Reports. Researchers also conclude that the IMF interactions were more effective with low-income countries and with other emergin

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Koengkan, Matheus, José Alberto Fuinhas, Magdalena Radulescu, et al. "Assessing the Role of Financial Incentives in Promoting Eco-Friendly Houses in the Lisbon Metropolitan Area—Portugal." Energies 16, no. 4 (2023): 1839. http://dx.doi.org/10.3390/en16041839.

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This article investigates the impact of fiscal and financial incentives for energy efficiency labels on eco-friendly houses (houses with high energy efficiency certificates, such as A+, A, B, and B−) in 18 municipalities in the Lisbon metropolitan region during the period 2014–2020. The empirical results indicate that the variables of fiscal incentive policies for energy efficiency labels, income per capita, credit agreements for the purchase or construction of a house, and the number of completed dwellings in new constructions for family housing encourage eco-friendly houses. In contrast, the

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Pacheco, Moreno Laborda. "Uma vida para Maria de Jesus um confessor em defesa de sua beata, diante do Santo Ofício de Lisboa (1700-1701)." Via Spiritus: Revista de História da Espiritualidade e do Sentimento Religioso, no. 28 (2021): 89–109. http://dx.doi.org/10.21747/0873-1233/spi28a4.

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This article aims to examine the attitudes of friar Masseu de São Francisco, of the Order of Friars Minor of Portugal, before the Holy Office of Lisbon between 1700 and 1701. He was prosecuted for obstructing the work of the court and for continuing to give credit and making public the visions and revelations of the recently deceased Maria de Jesus, who had been previously convicted for fraud by the Holy Office. Friar Masseu opted for a line of argument that linked his defense to the defense of the memory of that beata. To this end, instead of answering the questions given by the inquisitors,

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Ribeiro, Maria de Fátima. "THE CONSEQUENCES OF WRONGFUL TRADING FOR THE COOPERATIVE’S DIRECTORS, PARTICULARLY THE PROHIBITION FROM PERFORMING MANAGEMENT FUNCTIONS AND THE LOSS OF CREDITS IN THE INSOLVENT COOPERATIVE." Cooperativismo e economía social, no. 45 (February 5, 2024): 111–29. http://dx.doi.org/10.35869/ces.v0i45.5172.

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The applicability of the Portuguese legal regime to cooperatives may raise specific questions, particularly with regards to the effects of wrongful trading for their directors. Namely, the disqualification of the cooperative director and the loss of any credits he may have towards the cooperative are to be considered, because of the specificities of their implementation in the context of cooperatives. In Portugal, cooperatives are subject to insolvency and to the Portuguese insolvency legal regime (Código da Insolvência e da Recuperação de Empresas:CIRE). But the applicability of this re

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Fuinhas, José Alberto, Matheus Koengkan, Nuno Silva, et al. "The Impact of Energy Policies on the Energy Efficiency Performance of Residential Properties in Portugal." Energies 15, no. 3 (2022): 802. http://dx.doi.org/10.3390/en15030802.

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The effect of energy policies on the energy performance of residential properties/houses in nineteen Portuguese districts from 2014 to 2021 was investigated. A linear random-effects model regression was used as the method in this empirical investigation. The empirical results indicated that the income per capita has a negative effect on residential properties with high energy efficiency certificates (e.g., A+, A, and B) and a positive impact on residential properties with low energy efficiency certificates (e.g., C, D, E, and F); the codes and standards energy policies for energy efficiency ha

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Pereira, Edgar. "The Ordeals of Colonial Contracting: Reactions to and Repercussions of Two Failed State-Private Ventures in Habsburg Portugal (1622–1628)." Itinerario 43, no. 01 (2019): 63–87. http://dx.doi.org/10.1017/s0165115319000068.

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AbstractAmong the solutions devised by early modern Western European states to engage with the private sector in the governance of their overseas empires, the adjudication of revenue farms and colonial monopolies was often dismissed by historians on the grounds of being coercive, inefficient, and risk-exempt for the contractors. In reality, however, the threat of financial hardship and insolvency was very real, and not infrequently led to contractual removal, the seizure of collateralized assets, and even the imprisonment of the concessionaires.This article approaches the neglected topic of fa

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FROLOVA, Nataliya. "Tax incentives for R&D in the context of the development of fiscal space." Fìnansi Ukraïni 2021, no. 10 (2021): 81–97. http://dx.doi.org/10.33763/finukr2021.10.081.

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The article deals with the main R&D expenditure based tax incentives such as tax credit and enhanced allowances in the context of the development of fiscal space due to their impact on innovative activities of loss-making, small and medium enterprises as well as startups. The author disclosed basic features of R&D expenditure based tax incentives in comparison with tax exemptions and accelerated depreciation. Cross-country comparisons in OECD revealed that it is often a case when SMEs and startups enjoy R&D tax credit and enhanced allowance with higher rates. In addition, they can

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Eistrup, Mathias, Ana Rita Sanches, José Muñoz-Rojas, and Teresa Pinto Correia. "A “Young Farmer Problem”? Opportunities and Constraints for Generational Renewal in Farm Management: An Example from Southern Europe." Land 8, no. 4 (2019): 70. http://dx.doi.org/10.3390/land8040070.

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The existence of a “young farmer problem” in Europe has been recognized by scientists and policy-makers and is based on the widespread acknowledgement of the poor generational renewal rates in the farming sector and in particular in farmland management across the European Union. Despite existing support policy measures, young farmers (YF) face barriers which hamper the establishment and consolidation of their farming enterprises. Focusing on Alentejo (NUTS II), in Portugal, this paper identifies the difficulties YF face to accessing land, the high investment costs required to set up a farming

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P., Neelakantan. "Estimating viability of Changing Retailing Techniques in Contemporary time of Offer- An Empirical Overview." Shanlax International Journal of Commerce 7, S1 (2019): 141–44. https://doi.org/10.5281/zenodo.3451669.

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Retailing includes all the activities involved in selling goods or services directly to final consumers for personal, non-business use. A retail or retailer store is any business company whose sales volume comes primarily from retailing. Any organisation was selling to final consumers, whether it is a manufacturer, wholesaler, or retailer-is doing retailing. It does not matter how the goods or services towns by the person, mail, telephone, vending machine, or the Internet. Like other activities, marketing, retailing too is worried about defining its target market. Until the target market is pr

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Castaño-Martínez, María-Soledad, María-Teresa Méndez-Picazo, and Miguel-Ángel Galindo-Martín. "Policies to promote entrepreneurial activity and economic performance." Management Decision 53, no. 9 (2015): 2073–87. http://dx.doi.org/10.1108/md-06-2014-0393.

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Purpose – The purpose of this paper is to analyse the effects of some political measures on entrepreneurship to promote economic growth and employment, specifically, R & D policies, training, elimination of administrative barriers, access to finance support and promotion of entrepreneurial culture. Design/methodology/approach – Seven hypotheses are tested developing a latent variables model with data from 13 European countries (Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Portugal, Spain, Sweden and UK) in 2012, using partial least squares estimatio

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