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Multi-Criteria Credit Risk Prioritization In Cooperative Smes Using Ahp-Topsis: A Reproducible Pilot With Pseudonymized Data, Ramiro Javier Castillo Herrera, Dayron Rumbaut Rangel

Neutrosophic Sets and Systems

Credit risk assessment in small and medium-sized enterprises (SMEs) within savings and credit cooperatives presents persistent challenges due to incomplete, heterogeneous, and dispersed information. This paper reports and audits a pilot AHP-TOPSIS multi-criteria model for relative credit risk prioritization using a pseudonymized pilot dataset of seven SMEs (n=7) with active loans, implemented as a fully Excel-reproducible framework without proprietary software. AHP pairwise comparisons yield validated criterion weights (CR=0.0440 < 0.10). Results demonstrate the model's interpretability, traceability, and operational applicability for credit portfolio management in resource-constrained cooperative financial environments.

Internal Verdicts Track Evidence: A Template-Controlled Neutrosophic Reading Of Epistemic States In Large Language Models Via The Jacobian Lens, Maikel Yelandi Leyva Vazquez, Alexis Matheu Perez, Florentin Smarandache

Neutrosophic Sets and Systems

For twenty-five years, neutrosophic logic has assigned independent degrees of truth (T), indeterminacy (I), and falsity (F) to model epistemic states that classical and fuzzy semantics cannot express. All previous applications, however, measured these components on outputs: answers, judgments, expert evaluations. This paper reports, to our knowledge, the first neutrosophic reading of components inside the internal representations of a large language model. Using the recently released Jacobian lens on Qwen3.5-4B, we project intermediate-layer readouts onto lexicons of support, refutation, and hedging, obtaining layer-wise (T, I, F) profiles under three epistemic conditions (conflicting evidence, first-person false belief, factual control; n = …

Neutrosophic Sets And Systems, Vol. 101, 2026, Proceedings Of The International Conference On Artificial Intelligence, Indeterminacy, And Education, University O'Higgins, Santiago, Chile, Florentin Smarandache, Maikel Yelandi Leyva Vazquez

Neutrosophic Sets and Systems

No abstract provided.

Typed Abstention For Llm-Elicited Fuzzy Criteria In Multicriteria Transportation Decisions, Maikel Yelandi Leyva-Vazquez, Nezir Aydin

Neutrosophic Sets and Systems

Fuzzy multicriteria decision-making (MCDM) increasingly draws its criterion evaluations from large language models (LLMs), but the aggregation step typically treats these elicited judgments as interchangeable with expert opinion, with no mechanism to flag disagreement, insufficiency, or unreliable sources. We port a source-preserving, typed-abstention decision policy into fuzzy-MCDM pipelines, instantiated on a four-alternative sustainable-transportation case, and report two live pilots. Pilot 1 returns all-coherent; Pilot 2, redesigned with criteria of greater normative dependence, shows the gate firing on real disagreement. We report both pilots candidly and verify the gate's logic with synthetic unit tests.

Mountain Development In Nepal: Settlements, Infrastructure, And Economic Transformation, Keshav Bhattarai, Ambika P. Adhikari

Himalayan Research Papers Archive

As Nepal urbanizes, expands infrastructure, strengthens local governments, and explores deeper connectivity with India and China, climate change is increasing floods, landslides, heat, and water insecurity. Rapid internal migration, rising disaster risks, youth outmigration, and dependence on remittances are also revealing the limits of conventional urban development, especially in the mountainous region. The central challenge for Nepal is no longer just to accommodate growing towns and cities, but to build settlements that are safe, productive, environmentally resilient, and capable of sustaining long-term prosperity.

This paper argues that Nepal's urban future must be guided by a new development paradigm centered on …

Lessons From Tanzania’S Ujamaa For Smart Settlements In Nepal: Social Justice And Economic Development, Keshav Bhattarai, Ambika P. Adhikari

Himalayan Research Papers Archive

Nepal’s constitutional commitment to a “socialism-oriented” state places social justice, equitable access to resources and housing, and protection of marginalized populations at the center of national development discourse. However, persistent landlessness, informal settlements, unemployment, youth outmigration, and unequal access to infrastructure reveal a significant gap between constitutional aspirations and socioeconomic realities.

This article examines lessons Nepal can draw from Tanzania’s experience with Ujamaa, the African socialist development model initiated by President Nyerere in 1967. Using comparative policy analysis, published research, official documents, and exploratory field observations from selected Tanzanian locations, including the capital and villages in the Iringa Region, the …

Examples And Evaluation Of Sustainability Research With Tribes, Aaron M. Canter, Sharon Hausam

Faculty Publications

This is a working paper produced as part of National Science Foundation project #2115169, “Transforming Rural-Urban Systems: Trajectories for Sustainability in the Intermountain West,” known as the “Intermountain West Transformation Network” (TN), led by the University of New Mexico with institutional partners at three additional universities in New Mexico, two in Arizona, and one each in Utah, Colorado, and Washington. The TN’s Indigenous and Tribal engagement was supported through a contract with Dr. Sharon Hausam, additional work by Aaron M. Canter, coordination with Dr. Lani Tsinnajinnie, and an Advisory Committee on Indigenous Information Needs primarily comprised of Indigenous representatives in …

Increasing Postpartum Appointment Attendance Rates, Tanya Lister

Doctor of Nursing Practice Scholarly Projects

Background: Postpartum visits provide an opportunity to detect and address potential complications, monitor healing and recovery, and offer guidance and support during the transition into motherhood. Current research shows that appointment reminders increase healthcare appointment attendance rates, whether delivered via text messages or phone calls.

Purpose: The purpose of this academic project was to plan, implement, and evaluate a process change within a single health facility to increase postpartum visit attendance rates.

Methods: This evidence-based scholarly project used telephone calls to remind patients scheduled for postpartum visits of their appointment dates and times. Appointment reminder phone calls were completed the …

Environmental Exposure Risk Education To Enhance Chronic Kidney Disease Prevention And Screening For Nurse Practitioners, Kelsea J. Carrier

Doctor of Nursing Practice Scholarly Projects

Chronic kidney disease (CKD) affects approximately 36 million adults in the United States, with nearly 90% of individuals unaware of their diagnosis until advanced stages. While diabetes and hypertension remain the primary causes, increasing evidence highlights environmental exposures as significant and underrecognized contributors to CKD onset and progression. Exposures such as heavy metals, per- and polyfluoroalkyl substances (PFAS), air and water pollution, microplastics, and heat exposure have been linked to impaired renal function. Despite this growing body of evidence, environmental health content remains limited in nursing education, resulting in gaps in environmental health literacy (EHL) among nurse practitioners (NPs) and …

Naturalistic Aided Language Intervention For Children Who Have Multiple Disabilities Including Visual Impairment, Naomi Nattress

Speech and Hearing Sciences ETDs

ABSTRACT

This dissertation examined aided AAC interventions for individuals with multiple disabilities, including visual impairment, across three original studies. Chapter 2, a meta-analysis, found limited rigorous research for this population while showing that individuals at early symbolic stages with diverse visual profiles can successfully engage with AAC when appropriate adaptations are provided. The pilot study in Chapter 3 indicated that caregivers and graduate student clinicians can learn and implement naturalistic AAC techniques and VI accommodations with high fidelity through structured coaching. The mixed methods study in Chapter 4 introduced the ImPAACT-VI program, showing strong outcomes in educator performance, students’ symbolic …

Understanding The Long-Run Effect Of Historical Redlining Practices, Yujian Lu

Geography ETDs

Historical redlining practices initiated by Home Owners’ Loan Corporation (HOLC) in the 1930s have produced enduring persistent socioeconomic and environmental disparities in U.S. cities. This dissertation examines their long-term impacts on social vulnerability, urban flood risk, along with public discourse about redlining practices. Results indicate that neighborhoods with HOLC grade A (greenlined) exhibit the lowest overall social vulnerability, while those graded D (redlined) face the highest across U.S. cities. In Chicago, associations between redlining practices and flood risk disparities are stronger than in Los Angeles, reflecting place-specific characteristics among environmental, socioeconomic, and demographic factors shaping flood risk disparities in long …

Reading The Martian Surface: Impact Crater Distributions And Geochemical Signatures In Gale Crater As Recorded By The Curiosity Rover, Megan E. Hoffman

Earth and Planetary Sciences ETDs

The Curiosity rover has been exploring Gale crater, a large impact basin near the Mars equator since 2012. This mission has greatly improved our ability to explore the surface of Mars with a suite of geologic tools and cameras and has revealed that Mars likely once resembled present-day Earth. In this dissertation, I utilize measurements and data taken by Curiosity to analyze the distribution and preservation of small impact craters at meter scales, I quantify the formation characteristics of a small impact crater cluster, and I examine the presence of barium in a geologic unit with high-Si to constrain sediment …

Transforming Faculty Development: Organizational Citizenship Behavior, Arts-Based Design, And Communities Of Transformation In Stem Education, Kristen L. Ferris

Organization, Information and Learning Sciences ETDs

This dissertation investigates the relational conditions enabling institutional transformation and diversity, equity, inclusion, and justice (DEIJ) within STEM higher education. Despite needs for systemic change, sustaining faculty engagement remains difficult due to entrenched power dynamics, lack of pedagogical training, and political repression. To address these barriers this research introduces Organizational Citizenship Behaviors (OCB) as an analytic lens and functional infrastructure for change.

Through three papers, this study 1) establishes OCB via a systemic literature review as an actionable metric for faculty development; 2) details the design of a cross-institutional Community of Transformation (CoT) as a design case; and 3) Presents …

The Dental Hygienist Perspective On Laser Use For Nonsurgical Periodontal Therapy, Tammie A. Nyce Mrs.

Dental Hygiene ETDs

The purpose of this study was to assess the perceptions, attitudes, and experiences of dental hygienists regarding the use of lasers in the non-surgical treatment of periodontal disease.  A descriptive survey was distributed via email to current active and inactive members of the American Dental Hygienists’ Association. The sample consisted of practicing dental hygienists who had received training in laser use and lived in states that allowed laser use by dental hygienists.   Those dental hygienists who are not practicing clinically, who are not trained in the use of lasers, and who do not have experience using lasers in the treatment …

Surveyception: An Exploration Of Deceptive Survey Forms, Muhammad Danish

Computer Science ETDs

Survey platforms such as Google Forms and Microsoft Forms are widely used for feedback, data collection, and engagement, but scammers increasingly exploit them to distribute phishing and deceptive attacks. This thesis presents a large-scale study of survey-form abuse across ten major providers. We collected 140,000 forms from three sources: public posts on X, search-engine results, and web pages from the top 10 million DomCop-ranked domains. Using automated filtering and manual qualitative review, we identified 2,645 forms requesting sensitive information and classified 566 as scams. These forms used techniques including phishing, private-secret theft, account and personal-data harvesting, financial deception, and psychological …

On Food, Politics, And The Power Of Representation In The American History Museum, Mason A. Bright

Museum Studies Theses

This study explores the political implications of foodways-related interpretation at American history institutions, situating it within current partisan discourse. Using an “Anthropology of Museums” framework, I place literature from the fields of food history, human geography, and museum studies in conversation with interviews with three curatorial professionals from the National Museum of American History, the Henry Ford Museum of American Innovation, and the New Mexico History Museum. I understand the ways these professionals navigate politically engaged interpretation through the lens of ethnographic refusal, a phenomenon drawn from the anthropology subfield of resistance studies. I argue that the connections between food …

Cbd's Impact On Learning, Memory, And Anxiety: A Dose Response, Audrey Camacho

Psychology ETDs

Cannabidiol (CBD) is widely utilized for its therapeutic properties, yet its impact on an unmanipulated model at baseline behavior remains poorly understood. This study investigates CBD’s dose-dependent behavioral profile on spatial learning, memory, and anxiety using Long-Evans rats. Subjects received a vehicle, 20 mg/kg, or 40 mg/kg CBD dose prior to assessment in the Morris Water Task (MWT) and Elevated Plus Maze (EPM). MWT results indicated consistent Day 1 learning, but the 40 mg/kg dose induced a temporary disruption 24 hours post-treatment. Performance returned to baseline by day 6. On the EPM, traditional anxiety markers remained unchanged. While CBD did …

Synergizing Crowd Collaboration: Enhancing Crowdsourcing Matching Via Integration Of Matching Theory And Coalition Games, Rowan Aengus Kinney

Electrical and Computer Engineering ETDs

This paper tackles the challenges inherent in crowdsourcing dynamics by introducing the CROWDMATCH mechanism. Aimed at enabling crowdworkers to strategically select suitable crowdsourcers while contributing information to crowdsourcing tasks, CROWDMATCH considers incentives, information availability and cost, and the decisions of fellow crowdworkers to model the utility functions for both the crowdworkers and the crowdsourcers. Specifically, the paper presents an initial Approximate CROWDMATCH mechanism grounded in matching theory principles, eliminating externalities from crowdworkers’ decisions and enabling each entity to maximize its utility. Subsequently, the Accurate CROWDMATCH mechanism is introduced, being initiated by the outcome of the Approximate CROWDMATCH mechanism, and employing …

Mapping And Modeling Threat-Evoked Brain States After Early Life Adversity, Taylor W. Uselman

Biomedical Sciences ETDs

Early life adversity (ELA) increases lifelong neuropsychiatric vulnerability. Yet how ELA reorganizes brain-wide activity and circuit coordination across later experience remains unclear. This dissertation tests the hypothesis that ELA alters adult brain-wide activity and responses to threat through disrupted coordination among neural systems that regulate emotional experience, including prefrontal-limbic and monoaminergic systems. Longitudinal manganese-enhanced MRI of adult mice exposed to standard or fragmented early care, combined with computational processing and statistical modeling, quantified brain states before, during, and long after innate predator threat. These studies established that acute threat evokes large-scale, distributed brain activity that evolves over time. ELA potentiates …

West Coast Workshop To Southwest Institute, Hannah Marie Cerne

Art & Art History ETDs

This thesis considers Tamarind Institute in Albuquerque, New Mexico (originally established as Tamarind Lithography Workshop in Los Angeles, CA), and its contributions to collaborative printmaking. Originally founded in 1960 by June Wayne with Clinton Adams and Garo Antreasian, Tamarind Lithography Workshop (the precursor to Tamarind Institute) revitalized lithography through structured collaboration between artists and master printers, alongside rigorous training programs. This thesis provides an institutional history of the workshop during its relocation to the University of New Mexico, highlighting its transformation into a university-based institute that integrated education and professional production. Using social and labor-based methodologies, this study analyzes how …

The Evolution Of Regulatory Architectures Underlying Phenotypic Plasticity, Shweta Agarwal

Biology ETDs

Phenotypic plasticity refers to a mechanism where a single genotype results in distinct phenotypes in response to distinct environments, making it a key mechanism for persistence under environmental change. Phenotypic plasticity can arise from two distinct regulatory architectures: epistatically regulated plasticity or environmentally sensitive loci. The evolutionary forces shaping these architectures remain unclear. I use the recombination modifier framework to explore how the regulatory architecture of plasticity evolves across a range of selection regimes, including the rate of environmental change and the costs and benefits of plasticity. I find that the evolution of the regulatory architecture of phenotypic plasticity requires …

Autotrophic And Heterotrophic Contributions To Soil Co2 Fluxes And Variability In A Chihuahuan Desert Grassland, Savannah B. Sanchez

Biology ETDs

Drylands are major drivers of interannual variability in the global terrestrial carbon sink, and their influence is expected to increase as climate change promotes the expansion of hotter and drier regions. Predicting the consequences of these shifts remains challenging because ecosystem models are largely developed for mesic systems, which differ from drylands in water and nutrient availability, decomposition rates, respiration dynamics, and microbial communities. Improving our understanding of carbon cycling in drylands is therefore critical. This research focuses on soil CO₂ efflux, a major pathway of terrestrial carbon release driven by plant root respiration and microbial decomposition. I investigated the …

Control Of Reshock In A Shock Tube, Alexander Sweis

Mechanical Engineering ETDs

Reshocks can pose a threat to the structural integrity of structures and buildings. While incident shock waves pose larger threats, the study of reshocks and reshock attenuation is important to consider. This thesis investigates methods for controlling and attenuating reshock strength within a shock tube through material-based damping and modifications to baffle box geometric configurations. Experiments are performed using a custom-built shock tube in the University of New Mexico fluid mechanics laboratory. Four baffle box configurations are examined: a foam-lined configuration, a foam-lined configuration with ”egg crate-like” textured foam, an empty (no foam) configuration, and a configuration which incorporates a …

A Contextual And Sonic Analysis Of John Coltrane’S First Meditations, Matt Lind

Music ETDs

This thesis presents a contextual and sonic analysis of John Coltrane’s album First Meditations recorded in 1965. I use methods based on Dora Hanninen’s A Theory of Music Analysis to examine sonic and contextual aspects of Coltrane’s playing, including varying timbres, rhythmic tendencies, and contextual relationships in musical material. I consider pitch material from the perspective of “outside” playing, rather than traditional harmonic analysis. Considering areas of pitch, rhythm, and timbre allows the visualization of these features across each track in the album in five musical “plots.”

Helmholtz Reciprocity In Bidirectional Y-Junction Couplers, Hosuk Lee

Optical Science and Engineering ETDs

This thesis explores the light propagation characteristics in Y-junction couplers based on the Helmholtz reciprocity principle. The Helmholtz reciprocity principle is a crucial concept in optical system design, and it has primarily been understood based on input-output symmetry. However, this study emphasizes reciprocity needs to consider the entire system, beyond the traditional input-output symmetry reciprocity interpretation. For this study, we specifically examined the direction-dependent asymmetrical outputs, in the Whistle-geometry Ring Laser (WRL) structure. And the WRL results cannot be fully explained by simple input-output symmetry for reciprocity. The Y-junction coupler in the WRL structure makes different output characteristics based on …

Regenerative Writing: The Rhetorics Of Indigenous Futurisms As Pedagogical Praxis, Madeline R. Mendoza

English Language and Literature ETDs

This dissertation explores how land-based writing and Indigenous Futurisms can reshape writing pedagogy in higher education, focusing on English courses at the University of New Mexico. At the center of this project is the Land Memoirs assignment, which I designed to encourage students to engage land as a living relative and active participant in the learning process. Through the frameworks of Indigenous Futurisms, Land as Pedagogy, Rhetorical Sovereignty, and Pueblo understandings of marking, I analyze the rhetorical choices across student multimodal narratives, reflections, and interviews to examine the assignment’s pedagogical impact. My findings reveal epistemic differences in how Indigenous …

Mining Legacy And Wildfires: Interfacial Reactions Affecting Metal Mobility, Eresay Alcantar-Velasquez

Earth and Planetary Sciences ETDs

We identified water labile interfacial reactions between laboratory burned pinewood ash and mine waste solids that influence metal mobilization. The Upper Gallinas Creek Watershed in New Mexico is affected by wildfires and mining legacy. Pinewood and mine waste sediments were sampled from the area, and the pinewood was burned at 350°C to simulate medium burn intensity ignition. Rapid desorption and gradual dissolution of Mn and Fe was detected by ICP-MS as pH decreased over time. After reacting 18 MΩ ultra-pure water with a mixture of pinewood ash and mine waste sediments Fe (143%) and Mn (89.2%) concentrations increased over time. …

Wildfire Impacts On Fluvial Hydrology From Watershed To National Scales, Paige G. Tunby

Civil Engineering ETDs

Wildfires alter the water quantity and quality in downstream river networks. Fires promote biodiversity, maintain habitat, and provide many ecosystem services in a fire-adapted landscape. However, changes in the natural fire regimes can alter ecosystem function and threaten the water security of impacted downstream communities. The magnitude, timing, and persistence of these impacts are difficult to predict due to the lack of high-resolution datasets with adequate coverage to evaluate spatiotemporal trends after a fire. This dissertation moves us beyond the status quo to evaluate post-fire fluvial responses across scales, from the event-scale impacts after the Hermit’s Peak-Calf Canyon wildfire in …

Examining Conditional Indirect Media Effects Through Normative Perceptions: The Role Of Traditional Family Gender Role Expectations And Stigmatizing Beliefs In Human Papillomavirus Vaccination, Moonsun Choi

Communication ETDs

This dissertation examines how indirect media effects operate through normative perceptions within a gendered and stigmatized health context of HPV vaccination. Specifically, this study investigates how these normative mediation processes are conditioned by traditional family gender role expectations at the norm formation stage and stigmatizing beliefs about HPV vaccination at the normative influence stage. A cross-sectional survey was conducted with mothers of children aged 9 – 12 in the United States in June 2025. The key findings show that while gendered perceptions of HPV vaccination persist, the underlying normative mechanism operated in similar ways across gender-referent contexts. Injunctive norms were …

Womanhood On The Veranda: Maternalism And The Expansion Of American Women's Public Life, Abigail J. Swanson

History ETDs

Motherhood and child welfare became central organizing principles for reform during the United States Progressive Era.  From these guiding principles, the government formed the United States Children’s Bureau. It was the country's first governmental agency that focused solely on the welfare of children. Mothers writing to the federal government for motherhood advice was a phenomenon that was completely new to twentieth century mothers. Women took pride in their roles as mothers, particularly when it came to child health matters. To the generation of mothers who came before these early twentieth century letter writers, asking the government for advice on child …