Satisfation and loyalty of customers of a financial institution: a case of study

The present study aims to observe and evaluate the customer satisfaction and customer loyalty of Caixa de Crédito Agrícola Mútuo da Região de Bragança e Alto Douro. With this analysis is intended that the administration of the institution identify and assess strengths and weakness that may be able to improve. Thus, applying the European Customer Satisfaction Index model a survey was carried out by questionnaire to customers of financial institution object of study , where the size of the sample was 1705 customers. From the results obtained based on descriptive and inferential analyses as well as logistic regression models, was possible to verify the existence of statistically significant relationships between latent variables of the model in study.info:eu-repo/semantics/publishedVersio

Satisfação e lealdade dos clientes e sua relação com indicadores económico-financeiros. O caso da CCAM da região de Bragança e Alto Douro

Com o presente estudo pretende-se observar e avaliar a satisfação e lealdade dos clientes da Caixa Crédito Agrícola Mútuo da Região de Bragança e Alto Douro e relaciona-la com indicadores económico-financeiros. Desta forma, aplicando o modelo ECSI - European Customer Satisfaction Index, foi efetuado um inquérito por questionário aos clientes da Caixa Crédito Agrícola Mútuo da Região de Bragança e Alto Douro. Dos resultados obtidos pode concluir-se que existem de facto relações entre a satisfação dos clientes e alguns indicadores económico-financeiros da instituição, assim como se observou que existem diferenças no índice de satisfação ao longo dos anos e entre agências.info:eu-repo/semantics/publishedVersio

Satisfaction and loyalty of customers of a financial institution: a case study

The present study aims to observe and evaluate the customer satisfaction and customer loyalty of Caixa de Crédito Agrícola Mútuo da Região de Bragança e Alto Douro. With this analysis is intended that the administration of the institution identify and assess strengths and weakness that may be able to improve. Thus, applying the European Customer Satisfaction Index model a survey was carried out by questionnaire to customers of financial institution object of study, where the size of the sample was 1705 customers for the period 2011-2013. From the results obtained based on descriptive and inferential analyses as well as logistic regression models, was possible to verify the existence of statistically significant relationships between latent variables of the model in study.info:eu-repo/semantics/publishedVersio

Corporate reputation correlation as a strategic marketing tool in service design management

This paper focused on the scope of the Design Management as a differentiating agent in the use of resources of the design and its interaction with the strategies and goals of a Service Sector, particularly in Higher Education Institutions (HEI). Currently the Reputation of HEI represents an intangible capital and a valuable asset and is recognized an important role in the differentiation and competitive advantage (Ruão, 2008). This competitive environment together with limitations of public resources for Higher Education makes the image an essential part of the strategic management of HEI (Luque-Martinez & Del Barrio Garcia, 2009). Conducting a correlations were obtained in most of the Corporate Character Scale dimensions, which reflects that these are very important when IPB's strong and sustained reputation. However, the presence of strong and positive relationships in dimensions such as ruthlessness, informality and machismo reflect the need to pay more attention to these characteristics in order to contribute to the overall satisfaction of the image perceived by the IPB Community. This paper aims to show that one of the ways to create new communication strategies can be through correlational analysis as a strategic marketing tool in Service Design Management in order to add value to the services, increasing their corporate reputation.info:eu-repo/semantics/publishedVersio

The contribution of up-cycled food waste to a balanced diet of low-income households

This paper focuses on the contribution of an upcycling food organization to a balanced diet, which rescues and redistributes fresh or freshly cooked food to low-income households. To determine the nutritional balance of food hampers provided by our case study organization, according to the Portuguese food guidelines, we have weighed all items of food hampers in three weighing rounds over a period of four months. The results suggest that upcycled foods can contribute to a more balanced diet in terms of “Potato, Cereal and Cereal Products”, “Vegetables”, “Meat, Fish, Seafood and Eggs” and “Fruits”, both according to the Portuguese Food Wheel and compared to that of the general Portuguese population. The novelty of this study is the evaluation of the contribution to the balanced diet of the population in a vulnerable situation, of perishable foods such as freshly cooked, in traditional restaurants, cafes, bakeries, and hotels, or is naturally fresh (fruit and vegetables food aid services) up-cycled by a food aid organization.This work was supported by Portuguese national funds through FCT—Foundation for Science and Technology, under project UIDP/00713/2020.info:eu-repo/semantics/publishedVersio

The nutritional content of rescued food conveyed by a food aid organization

The number of food-insecure families in the European Union has increased, resulting in an increasing number of households depending on food assistance programs. The aim in this study was to evaluate the nutrient content of food rescued by a food aid organization that rescues and redistributes fresh or freshly cooked food to low-income households. Methods: To determine the nutritional content of food hampers provided by our case study organization, we weighed all items of food hampers in three weighing rounds over a period of four months. The Food Insecurity Experience Scale (FIES) was applied to measure households’ food insecurity. Results: Our results show that, at our case study food aid organization, food donations substantially contribute to energy, macro, and micronutrient dietary recommendation intake (DRI). Conclusions: When evaluating how these nutrients contribute to alleviating food insecurity of the beneficiary households, we found that the perception of food insecurity is independent of the amount of nutrients served. To the best of our knowledge, this is the first study measuring the nutritional content of fresh or freshly cooked rescued food conveyed by a food aid organization.info:eu-repo/semantics/publishedVersio

Normalização contabilística em Portugal: algumas implicações para os TOC decorrentes da transição do POC para o SNC

O estudo em apreço pretende analisar algumas das implicações para os Técnicos Oficiais de Contas decorrentes das recentes alterações à normalização contabilística em Portugal. Os resultados obtidos através do estudo empírico revelam, essencialmente, que os Técnicos Oficiais de Contas sentiram uma grande mudança com a entrada em vigor do Sistema de Normalização Contabilística, que necessitaram de assistir a muitas mais horas de formação do que em anos anteriores, que os conceitos se alteraram, a forma de pensar se alterou, que as formações ministradas pela Ordem dos Técnicos Oficiais de Contas são de qualidade, que as áreas temáticas onde se sentem mais dificuldades são na aplicação do justo valor e nos testes de imparidade, que o Sistema de Normalização Contabilística permitirá maior liberdade de pensamento e que o Técnico Oficial de Contas deve ser o parceiro privilegiado do empresário. Contudo, os profissionais da contabilidade demonstram uma capacidade de adaptação positiva, pois na sua maioria sentiram poucas dificuldades na transição do Plano Oficial de Contabilidade para o Sistema de Normalização Contabilística

Cosmopolitisme musical. Dynamiques plurielles dans les groupes de batucada en France

La batucada inspirée des rythmes brésiliens se déploie sur la scène internationale. Que ce soit en Allemagne, en Finlande, au Portugal, en Espagne, en Belgique, en Suède, en Italie, en Angleterre, à Singapour, au Canada, dans les pays d’Amérique du Sud ou ailleurs, on compte au moins un millier de groupes. En Europe, leur diffusion va de pair avec les dynamiques de valorisation de la diversité culturelle. En France, les groupes prolifèrent dans les années 1990, créés et dirigés par des percussionnistes francophones. Etant l’objet d’appropriations exogènes, la batucada participe des nouveaux espaces de sociabilité et de circulation « entre-deux ». De nombreux percussionnistes expriment leur désir d’appartenance et se disent « Brésiliens de cœur » ou encore « nés à la mauvaise place ». Ces revendications identitaires expriment les reconfigurations des rapports d’altérité à l’heure actuelle. L’article aborde la construction d’un espace liminaire au sein des groupes et montre un mode d’identification cosmopolite chez certains joueurs francophones. Le corpus présenté a été constitué par les discours des acteurs récoltés pendant trois ans d’un terrain multi-situé au Brésil, au Portugal, en Allemagne et surtout en France, ainsi que sur les sites internet et les pages facebook des groupes

Process intensification combined with Adaptive Laboratory Evolution enhance VLP- based vaccine candidates production in insect cells

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Quantitative analysis of financial indicators for municipalities: comparison between Portugal (Bragança district) and Slovenia

From the characterization of Local Authority financing models and structures in Portugal and Slovenia, a set of financial and generic budget indicators has been established. These indicators may be used in a comparative analysis considering, in Portugal, the Bragança District and, in Slovenia, municipalities of similar population size. The research identified significant differences, in terms of financing sources due to some discrepancy on financial models and competences of municipalities on each country