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Presentation
Presentation
In this curricular unit, financial calculation techniques are taught in order to provide the student with skills for the practical execution of the financial calculation, namely:
- Know and understand the basic concepts of financial calculation;
- Obtain upgrade and capitalization calculation practice;
- Know how to calculate the value of an income;
- Know how to determine loan repayments;
- Know how to analyze the various sources of financing of the company.
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Class from course
Class from course
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Degree | Semesters | ECTS
Degree | Semesters | ECTS
Bachelor | Semestral | 5
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Year | Nature | Language
Year | Nature | Language
1 | Mandatory | Português
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Code
Code
ULHT72-154
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Prerequisites and corequisites
Prerequisites and corequisites
Not applicable
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Professional Internship
Professional Internship
Não
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Syllabus
Syllabus
1. Introductory Concepts
1.1. Time, capital and interest;
1.2. Interest rate and discount;
1.3. Present value and accumulated value
2. Capitalization schemes;
2.1. Simple interest scheme;
2.2. Compound interest rate
3. Equivalence of Capital;
3.1. Equation of value;
3.2. Single capital;
3.3. Average maturity;
3.4. Average rate
4. Equivalence of rates;
4.1. Nominal rates and effective or real rates;
4.2. Equivalents of interest rates;
4.3. Instantaneous rate of capitalization;
4.4. TAEG
5. Incomes;
5.1. Notion and classification;
5.2. Incomes with constant terms;
5.2.1. Whole incomes;
5.2.2. Fractional incomes;
5.2.3. Perpetual incomes
6. Loans;
6.1. Classic loans;
6.1.1. Generic concepts;
6.1.2. Categorization as to the period of repayment and payment of interest;
6.2. Bond loans;
6.2.1. Generic concepts;
6.2.2. Modalities;
6.2.3. Debt analysis: effective rate, average life and "duration";
6.3. Specialized credit operations;
6.3.1. Location;
6.3.2. ALD;
6.3.3. Factoring
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Objectives
Objectives
Knowledge, skills and competences to be developed by students:
- Know and understand the basic concepts of financial calculation;
- Obtain capitalization calculation practice;
- Know how to calculate the value of an income;
- Know how to determine loan repayments;
- Know how to analyze the various sources of financing for companies.
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Teaching methodologies and assessment
Teaching methodologies and assessment
As innovative methodologies to support the teaching-learning process to be applied in the Financial Calculation Curricular Unit, the following were adopted: 1. Adaptive learning: Using adaptive learning systems that adjust to each student's level of skill and proficiency, providing personalized exercises and explanations to help them progress; 2. Collaboration and group learning: Promote group projects and activities where students work together to solve complex financial problems, encouraging collaboration and critical thinking; 3. Discussion forums: Create online groups where students can discuss financial calculation topics, share resources and ask questions, promoting collaborative learning. 4. Artificial Intelligence (AI): Using AI through the adoption of PHILIX, which through chatbots or virtual assistants can answer student questions in real time and offer personalized support.
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References
References
- Mata, Luís Reis, Elementos de estudo (Sebentas) disponibilizados nas aulas
- Matias, Rogério - Cálculo financeiro - Teoria e Prática. 6ª Edição. Lisboa: Escolar Editora, 2018. ISBN 9789725925393
- Mateus, Alves - Cálculo Financeiro. 5ª Edição, Lisboa: Ed. Sílabo, 2002. ISBN 9789726181989
- Mateus, Alves - Exercícios Práticos de Cálculo Financeiro, 3ª Edição, Lisboa: Ed. Sílabo, 2004. ISBN 9789726181989
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Office Hours
Office Hours
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Mobility
Mobility
No