Entire Volume Journal Of Banking And Financial Economics 2025, 2(24)

Journal of Banking and Financial Economics

Entire Volume Journal of Banking and Financial Economics 2025, 2(24)

Barriers To Healthcare Utilization Among Undergraduate Students: A Gender Identity Perspective, Akhila Damarla

Honors Undergraduate Theses

The transition to college can be a crucial period of one’s life as one gains new and increased responsibilities, including managing their own healthcare. Although campus health services are available, undergraduate students have been found to often underutilize these resources due to barriers such as financial instability, lack of insurance, and identity-based disparities. While examining the current literature on this topic,there is a gap in exploring how the role of gender identity interacts with these barriers. This study addresses this gap by analyzing secondary data from the American College Health Association’s National College Health Assessment (ACHA-NCHA). Results revealed that transgender …

Florida’S Gifted Education Program: Exploring The Nexus Between Giftedness And Choice Of College Major, Sterlin L. Bass

Honors Undergraduate Theses

Florida’s Gifted Education Program (FGEP) is a K-12 educational program in Florida’s public education system through which gifted students are identified and supported through individualized educational plans promoting intellectual development. The intent of this study is to explore the influence Florida’s Gifted Education Program has on the choice of major of a student and mental health outcomes. Current data revolving around different definitions of “giftedness” such as high ACT scores, SAT scores, and GPA, show a connection between negative mental health outcomes produced by the development of perfectionism. FGEP presents challenges in addressing these concerns due to non-standardized curricula across …

Solving The National Security Threat Of The United States Drug Crisis, Anna B. Freehafer

Honors Undergraduate Theses

This thesis analyzes the current drug crisis in the United States with the intention of forming a sound National Security Report and Strategy to equip current and future administrations with the necessary tools and information to adapt to the modern crisis. The number of drug induced and related deaths are rising in the U.S., which arguably is cause for alarm at the federal level. With the country divided on how to properly attack this crisis, which affects hundreds of thousands of lives across the nation, this thesis aims to provide a solution to a drug crisis that is unlike any …

Investigating The Effects Of Binaural Beats On Encoding Efficiency And Working Memory Performance In College Students With Attention-Deficit/Hyperactivity Disorder Traits, Megan Daza

Honors Undergraduate Theses

Binaural beats (BB) have been increasingly explored as a non-invasive cognitive enhancement tool, particularly in populations with neurodevelopmental conditions such as Attention-Deficit/Hyperactivity Disorder (ADHD). This study investigates the effects of beta-frequency binaural beats on encoding efficiency and working memory performance, specifically verbal-spatial working memory, in college students with ADHD traits. Using a 2 (ADHD/Neurotypical) × 2 (Low/High Cognitive Load) mixed ANOVA design, participants will complete an N-back working memory task under baseline, binaural beats, and control (white noise) conditions. Key research questions examine whether binaural beats improve working memory accuracy and reaction time, whether their effects vary across cognitive load …

Disconnected Minds: Exploring Nomophobia And Adhd's Impacts On Driving Hazard Perceptions Among College Students, Stephanie Zheng

Honors Undergraduate Theses

An increasing psychological concern in the 21st century is the development of the fear of being unable to access one's mobile phone, also known as nomophobia. However, its impact on individuals with Attention-Deficit/Hyperactivity Disorder (ADHD) remains largely unexplored. Given ADHD’s association with impulsivity, attentional difficulties, and emotional dysregulation, those with the condition may be particularly vulnerable to nomophobia, which can affect every aspect of their daily lives, ranging from interpersonal relationships to their academic success and overall physical and mental well-being. This study aims to answer four questions: how does ADHD impact the severity of nomophobia among college students, do …

Polarization On Campus: How Social Media Shapes College Students' Opinions On The Israel Hamas War, Jonah Lynne

Honors Undergraduate Theses

This study examines the impact of social media on the polarization of opinions regarding the Israel-Hamas war, particularly among U.S. college students. Following the outbreak of the war in October 2023, social media platforms such as Facebook, Instagram, X, and TikTok have facilitated the spread of highly partisan narratives, fueling ideological divides. The study highlights how social media contributes to the increase in antisemitic and Islamophobic sentiments, exacerbating societal tensions. Through 25 structured qualitative interviews with college students, the research explores how social media algorithms shape perceptions by reinforcing preexisting beliefs through echo chambers and filter bubbles. Taken as a …

From Tricare To Medicaid: Dental Insurance Disparities Among U.S. Veterans And Active Duty Service Members, Madeline K. Mcnutt Ms

Honors Undergraduate Theses

Oral health plays a critical role in systemic well-being, yet dental care access in the United States remains deeply unequal, particularly among low-income and historically marginalized populations. Among those significantly affected are military veterans, who frequently experience barriers to oral healthcare due to eligibility restrictions within the Department of Veterans Affairs (VA) system. This study offers a comparative analysis of dental insurance satisfaction between recipients of Medicaid and the TRICARE Active Duty Dental Program (ADDP), two federally funded programs that reflect the divide between civilian and military healthcare access. While TRICARE ADDP provides comprehensive and uniform coverage for Active Duty …

Oral Health In Long-Term Care Facilities: A Systematic Review, Eman Zaman

Honors Undergraduate Theses

Oral health in long-term care facilities (LTCFs) is becoming an increasing concern as the older population grows bigger. The oral hygiene of residents in nursing homes is deteriorating which may attribute to lack of education given to caregivers. A literature review was conducted using electronic databases such as PubMed, ProQuest, and PsychINFO to explore oral health in LTCFs and workforce’s roles in providing oral care. Findings across eight studies highlight the inadequate care residents are receiving due to several barriers resulting poor oral health outcomes. Oral health is not prioritized because caregivers are not educated on the consequences it may …

Exploring The Potential Use Of Health-State Indexes To Improve Estimates Of Health Benefits Of Environmental Regulation, Madison G. Drewry

Honors Undergraduate Theses

This study explores a novel method to calculate the willingness to pay (WTP) for individuals of the general population to reduce the risk of having an illness. The purpose of the study is to observe the implications of the possibility to produce more accurate value of a statistical case (VSC) estimates for usage in regulatory agencies and environmental economics within benefit cost analyses (BCA). By joining aspects from both BCA and cost effectiveness analysis (CEA), such as the health-related quality of life (HRQL), and the value of a statistical life (VSL), this research aims to provide a more precise framework …

Mental Illness Identity And Social Media Use In Generation Z, Tobey Smith

Honors Undergraduate Theses

The present study investigated factors that predict a high degree of mental illness identity among Generation Z college students. Specifically, the author aimed to evaluate social media use and other psychosocial factors, including social isolation, self-esteem, well-being, discrimination, and attitude toward recovery. Two-hundred and seventeen participants were recruited using SONA and social media. Participants completed scales to measure the variables of interest: Illness Identity Questionnaire - Mental Health, Rosenberg Self-Esteem Scale, Warwick-Edinburgh Mental Well-being Scale, Hope and Coping in Recovery Scale, Cornwell Perceived Isolation Scale, Stigma Scale, Social Media Use Scale, and a set of demographic questions. Pearson bivariate correlations, …

A Systematic Review Of Dietary Trends, Influencing Factors, And Their Impacts On Cardiovascular Health In Turkish Populations, Pelin L. Özoğlu

Honors Undergraduate Theses

Cardiovascular disease (CVD) is the leading cause of death globally, including in Türkiye. One key factor influencing CVD prevention is dietary patterns, which directly impacts cardiovascular health. Türkiye traditionally follows the Mediterranean diet (MedDiet), which is acclaimed for its cardiovascular benefits. Despite this, Türkiye continues to experience high rates of CVD, with projections indicating that CVD mortality will double for both men and women by 2030. It is crucial to address diet-related factors, including potential nutritional deficiencies, to reduce cardiovascular health risks.

This research aims to analyze the Turkish community's adherence to the Mediterranean diet to understand why CVD prevalence …

Navigating Online Dating: Exploring The Intersection Of Attachment Styles, Parental Attachments, And Sociosexuality In Online Dating Among College Students, Jensley Velez-Lozada

Honors Undergraduate Theses

The aim of this thesis is to explore the connection between attachment styles, parental attachment, and sociosexuality as predictors of online dating attitudes among college students. As society navigates this new digital era of online dating, how does it continue to transform young adults as they form romantic and sexual connections? It becomes increasingly important to understand the psychological mechanisms that influence these behaviors. This study examined how anxious and avoidant attachment styles, parental attachment, and sociosexuality may have contributed to online hookup attempts and outcomes behaviors. It also examined how these variables interacted and influenced both the likelihood of …

The Effects Of Demographic Variables On Covid-19 Attitudes Surrounding The 2020 Election, Shelby K. Dalbec

Honors Undergraduate Theses

The COVID-19 pandemic was a worldwide phenomenon, with far-reaching consequences in all sectors of society, including the 2020 election. To better understand the implications of this global occurrence, this research examines the extent to which demographic variables influenced public opinions surrounding the COVID-19 pandemic. This study takes a quantitative approach, analyzing datasets from the 2020 American National Elections Studies (ANES). It examines demographic, socioeconomic, and political factors as independent variables, with dependent variables that capture attitudes related to the COVID-19 pandemic. I hypothesized that there would be a strong relationship between party identification and COVID-19 attitudes. This study found that …

Stem Vs. Non-Stem Students’ Stimulant Misuse For Academic Advantages, Camille H. Allie

Honors Undergraduate Theses

This study aimed to explore the relationship between academic discipline, caffeine consumption, reported perception of stimulant misuse behaviors, and reported academic stress at the University of Central Florida. Participants were categorized as either STEM or non-STEM majors and reported whether they had misused stimulants in the past 12 months and their daily average caffeine consumption. Due to the low number of participants who reported stimulant misuse, caffeine consumption was incorporated, grouping participants as either “above median” caffeine consumption or “below median” caffeine consumption. Two 2 (Caffeine Consumption: High vs. Low) x 2 (Major: STEM vs. Non-STEM) between-subjects ANOVAs were conducted …

My Body, Your Choice: Exploring Reproductive Abuse Among Undergraduate Women In A Post-Roe America, Riley H. Alvero

Honors Undergraduate Theses

The U.S. Supreme Court’s Dobbs v. Jackson decision in June 2022 overruled Roe v. Wade (1973) and held that abortion access is not a constitutionally protected right. The overturn of Roe v. Wade has had notable impacts on women’s overall sexual behavior and reproductive choices, and it highlights a macro-level infringement on women’s reproductive agency. Coercive condom use resistance violates reproductive autonomy on a micro-level, but can have equally harsh effects. Previous literature has studied these occurrences singularly; this research investigates connections between them. This study recruited 14 undergraduate women with a history of reproductive coercion, in the form of …

Role Of C4 Resources In Isotopic Variability In Diet Among Children From Kellis 2 Cemetery, Dakhleh Oasis, Egypt, Faith R. Hendrix

Honors Undergraduate Theses

Using stable carbon isotope analysis, this study investigates dietary diversity in children buried at the Kellis 2 Cemetery (c. AD 50–450) in Egypt's Dakhleh Oasis. From the analysis of δ¹³C isotope values in hair keratin and bone collagen, the study reconstructs short-term and long-term dietary signals in juvenile and adult subjects. The aim is to clarify the role of C₄ plants—particularly millet—in weaning and childhood diets in a Romano-Christian Egyptian village context. A total of 631 segmented hair and 54 bone collagen samples were analyzed from 127 juveniles and 97 adults. Juvenile individuals (i.e., under 15 years biological age) showed …

Examining Perception Of Psychedelic Substances And The Role Of Hallucinations Among College Students, Ryann F. Hilts

Honors Undergraduate Theses

Inquiry into psychedelics is undergoing a cultural and scientific revival, driven by their potential application as novel treatments for mood disorders, substance misuse, and end-of life-distress, but continued implementation in clinical and medical contexts necessitates extensive research. The present study utilizes self-reported data to examine psychedelics across three areas: student attitudes, patterns of use, and motives for use. It additionally explores the perceived importance of hallucinations in therapeutic contexts and focuses on psychological experiences of those with lifetime psychedelic use. The study aimed to deepen understanding of current literature surrounding psychedelics, specifically among university students. Participants were asked to complete …

Partisan Divides In Environmental Spending Attitudes: A Two-Level Hierarchical Analysis, 1973-2022, Jordan Lipner

Honors Undergraduate Theses

Public attitudes toward environmental spending have become increasingly divided along party lines, with sharp shifts over the past five decades. This thesis updates and expands on Johnson and Schwadel’s 2019 study by applying a two-level hierarchical linear model to General Social Survey data updated to include data from 2015-2022, capturing how political affiliation, education, race, and economic context interact with broader political and economic contexts to shape environmental attitudes over time.
The results show that political affiliation remains the strongest and most reactive predictor of environmental spending attitudes. Republican respondents are significantly more likely to oppose environmental spending, especially under …

Using Different Measures To Explore Confidence Bias In Video Games, Laura Valdes-Vega

Honors Undergraduate Theses

Researchers have been debating whether video games influence our cognitive and perceptual processing abilities. There are two notable gaps in the video game literature, which are (1) the lack of objective performance measures and (2) not addressing participants’ confidence ratings. This study addressed both by examining (1) the relationship between confidence and performance scores, (2) changes in confidence after gameplay, and (3) the relationship between self-reported play hours and AimLabs performance. A mixed-methods approach was used, combining AimLabs data with pre- and post-game confidence ratings. Participants were grouped (high, medium, low) based on reported weekly play hours and three perceptual …

Starch Analysis Of Shell Tools From The Penny Plot Site (8br158) For The Cape Canaveral Archaeological Mitigation Project, Alaina Waldo

Honors Undergraduate Theses

Shell tools have a history of being used in the processing and usage of plant foods and materials in past cultures. This study looks at starch residue analysis obtained from shell tools retrieved at site 8BR158 during excavations by the Cape Canaveral Archaeological Mitigation Project (CCAMP) in Cape Canaveral, Florida. This research hopes to expand the understanding and usage of shell tools and to gain a clearer picture of plant usage and environmental interactions of earlier inhabitants along the East Coast of Florida through starch grain analysis. Eleven shell tools were analyzed for starch residues, with six showing evidence of …

Active Musical Engagement Versus Passive Music Listening: Effects On Emotional Modulation, Claudia Allocca

Honors Undergraduate Theses

This study explored how different forms of musical engagement, actively playing versus

passively listening, impact emotional regulation following exposure to a stressor. The goal was

to better understand whether active participation in music offers greater emotional benefits

compared to simply listening, as previous research often highlights music’s role in emotional

modulation but overlooks the influence of performance-based engagement. A total of 28

participants either played music or listened to music and then completed both pre- and post-

stressor measures assessing mood, mental task load, and heart rate. Contrary to the original

hypothesis, findings revealed that participants from the listening group …

Florida’S Shift From Swing State To Republican Solid State, Alex Alonso Toledo

Honors Undergraduate Theses

This thesis seeks to understand better the changes in Florida’s recent state-level politics. Florida has recently been considered a competitive state on the national political stage, but in the last few years, it has favored the Republican Party. Using publicly-available data and information from databases allows me to lay the foundation for investigating the shift towards the Republican Party in the state. It is important to research this topic to show why specific political strategies adopted can cause significant changes in the political environment, thereby affecting how the public views and supports political parties.

Examining The Social Influences Of Conspiratorial Belief And Endorsement, Phoebe S. Archibald

Honors Undergraduate Theses

The purpose of the present study was to investigate whether social factors such as the need to belong, fear of negative evaluation, and conformity predict belief in conspiracy theories, and whether political orientation and social media use moderate these relationships. Conspiracy theories play a growing role in shaping public opinion, and identifying the social contributors to such beliefs can help explain why individuals adopt them. Ninety-nine undergraduate students completed surveys measuring conspiracy belief, need to belong, conformity, and fear of negative evaluation, along with questions about political orientation and social media use.

Correlational analyses revealed that all three social variables …

Divining Liberation: A Community Healing Curriculum For Uprooting Historical And Racialized Trauma, Steffannie Roache

School of Social Work Faculty Publications and Presentations

Divining Liberation is a structured community healing and workforce wellness curriculum designed to support individuals and groups in recognizing, naming, and uprooting the effects of historical and racialized trauma. The curriculum was developed by Steffannie Roache, MS, LPC, and delivered through Trauma Informed Oregon beginning in 2023. It is built on three conceptual foundations drawn from the author's earlier work: The Chitlins Effect (Roache, 2012), which examines how trauma-based beliefs become normalized across generations; cultural betrayal trauma theory; and trauma-informed care principles established through SAMHSA and OHA. The curriculum unfolds through four thematic parts (Recognizing the Roots, Uprooting Harm and …

The Grammar Of Approximating Number Pairs (Anps) In Mandarin Chinese, Xuehuai He

Pomona Senior Theses

"There are twenty or thirty people." What exactly does this mean? Is it exactly twenty or thirty, or is it an approximate range? What about "twenty or twenty-six people"?

Approximating number pairs (ANPs) are a kind of approximative expression that takes a number pair and expresses a quantity close to it. There are constraints on the structure and choice of numerals: many combinations would be ungrammatical or denote a precise disjunction rather than being approximative. Studies like Eriksson et al. (2010) statistically generalized the grammar of ANPs through corpus studies on select European languages. However, these surface-level generalizations fail to …

The San Francisco Bay Area’S Vulnerability To Sea Level Rise: Integrating Community Engagement And Equity Into Sea-Level Rise Adaptation Planning, Isabella Marie Carreon

Pomona Senior Theses

This thesis examines the San Francisco Bay Area’s vulnerability to sea-level rise (SLR), highlighting the importance of equity and community engagement in adaptation planning. The study integrates geospatial data and qualitative community input using a GIS Story Map to identify Points of Interest (POIs)—such as schools, hospitals, and public transportation routes—and assess SLR vulnerabilities across social, economic, geographic, and contamination dimensions. Case studies, such as the Regional Shoreline Adaptation Plan, demonstrate the limitations of large-scale policies in accommodating diverse communities and highlight the effectiveness of community-driven strategies. The thesis also explores innovative approaches to community engagement in educational settings and …

“Regression To The Mean”: The Confluence Of Eugenics And Statistics In The 19th And 20th Centuries, Emrys G. King

Pomona Senior Theses

The work of this thesis is twofold — first, qualitatively characterizing the confluence between the British eugenics and statistics movements in the late 19th and early 20th centuries, and second, quantitatively analyzing the effect of this foundation on pedagogical materials in the growing field of statistics between 1880 and 1970. Towards the first goal, the history of the method of least squares, state statistics, and positive and negative eugenics are outlined, followed by a close reading of the foundational texts authored by Francis Galton and Karl Pearson that introduced linear regression. Towards the latter goal, English-language statistics textbooks published between …

From Feedlot To Floor Vote: ​​How Animal Agribusiness Wields Power To Capture The American State, Hannah Hughes

Pomona Senior Theses

This thesis examines how large-scale animal agriculture operations exercise disproportionate political influence to shape regulatory policy in their favor, often at the expense of environmental protection and public health. Through analysis of concentrated animal feeding operations (CAFOs), this study demonstrates how the animal agribusiness industry has systematically captured regulatory processes at federal, state, and local levels. The research traces industrial animal agriculture's development in the 21st century and its environmental consequences. The analysis reveals significant gaps in federal oversight, examining how the Clean Water Act and Clean Air Act have proven inadequate in regulating CAFO operations. At the state level, …

Behavior Or Diagnosis? Comparing Explicit And Implicit Biases Of School-Based Professionals Towards Adhd And Asd, Vincent Rutherford

Pomona Senior Theses

Previous research shows bias against people with ADHD and ASD both in and outside of the classroom and demonstrates that access to a diagnosis impacts educator’s beliefs about a child. ADHD and ASD have a high level of diagnostic co-occurrence, as well as symptom overlap beneath the clinical threshold. The current study uses a vignette-length description of a student, an explicit bias questionnaire, and an Implicit Association Test to assess the relationship between implicit and explicit bias, as well as how educator bias is impacted by the diagnosis they have access to. Results suggest no statistically significant differences between explicit …