Class Financial Calculus

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.

Not applicable

  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

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.

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