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Full-Text Articles in Social and Behavioral Sciences

The Abcs Of Modified Bond Duration And Wxyzs Of Bond Convexity Jan 2026

The Abcs Of Modified Bond Duration And Wxyzs Of Bond Convexity

Journal of Economics and Finance Education

By breaking the mathematical derivation of Macaulay Duration, Modified Duration, and Bond Convexity into smaller easily calculated component parts, a more manageable means of calculation for these bond measures emerges for the student. Further, an Excel spreadsheet or an algorithm within a programming language can also be implemented using these smaller component calculations. The Excel template provided can be made into an assignment or used as a resource for the student.


Introducing The Risk Parity Portfolio Optimization Approach To Students: A Note Jan 2026

Introducing The Risk Parity Portfolio Optimization Approach To Students: A Note

Journal of Economics and Finance Education

Students have been well exposed to Markowitz’s (1952) Mean-Variance Optimization (Modern Portfolio Theory). Nevertheless, its subpar performance during the 2008 global financial crisis exposed it to significant criticism. As a result, a different strategy known as Risk Parity has attracted significant attention. Over the years, Risk Parity methods have gained popularity as investment solutions. As discussed in Fabozzi, Simonian, and Fabozzi (2021), estimates from Neuberger Berman, the total value of assets being managed using Risk Parity strategies is approximately $120 billion. However, with leverage, that number swells considerably, to $400 billion-$500 billion. The popularity of this methodology has spurred the …


An Empirical Implementation Of A Two-Standard-Deviation Investment Signaling Framework Across Multiple Asset Classes Jan 2026

An Empirical Implementation Of A Two-Standard-Deviation Investment Signaling Framework Across Multiple Asset Classes

Journal of Economics and Finance Education

This paper presents a pedagogically driven application of a quantitative investment signaling model based on two standard deviation bands. Deviations beyond the two standard deviation range are interpreted as potential mean reversion signals, triggering tactical shifts in asset allocation or trading actions. Students construct the models in Excel using live market data, overlaying asset returns against calculated deviation bands to inform decisions. The firsthand approach emphasizes applied learning and critical thinking, with students analyzing model results and presenting empirical findings. Evidence suggests this experiential method significantly enhances student engagement, comprehension, and retention of investment strategy concepts across diverse financial settings


Coase, Thaler, And Behavioral Economics: Methodological Considerations Jan 2026

Coase, Thaler, And Behavioral Economics: Methodological Considerations

Journal of Economics and Finance Education

In their experiments to measure the endowment effect in market settings, Kahneman, Knetsch, and Thaler (1990; hereafter KKT) assessed the assumption of zero transaction costs associated with the Coase theorem. Their study recruited a sample of advanced undergraduate economics students who were placed in a market setting using coffee mugs as real-world goods, under conditions in which there were zero transaction costs. Their results suggested that an endowment effect lowered trading volume, which should not have occurred if Coase theorem worked in practice. We reexamine the research design employed by KKT, as well as their study’s statistical analysis and results.


Russia’S Soft Power In Nahdlatul Ulama’S Art Exhibition Russia-Indonesia: Within The Framework Of Art, Nurul Rahmawati, Ahmad Fahrurodji Jan 2026

Russia’S Soft Power In Nahdlatul Ulama’S Art Exhibition Russia-Indonesia: Within The Framework Of Art, Nurul Rahmawati, Ahmad Fahrurodji

International Review of Humanities Studies

This study analyzes the construction of Russian cultural diplomacy in news media coverage of art exhibitions. Russia-Indonesia: Within the Framework of Art. The research uses the method Critical Discourse Analysis with Norman Fairclough's model and concept soft power Joseph Nye and the skeleton Taxonomy of Soft Power from Ohnesorge to map actor relations in cultural diplomacy practices. The results show that Russia utilizes art, religious symbols, and collaboration with Nusantara Utama Gallery and the involvement of Nahdlatul Ulama (NU) artists as an instrument of soft power to build appeal and legitimacy among the Indonesian Muslim public through cross-media discourse …


Literature Review: Crowdfunding And Political Fundraising, Saiful Ahmad, Palupi Lindiasari Samputra Jan 2026

Literature Review: Crowdfunding And Political Fundraising, Saiful Ahmad, Palupi Lindiasari Samputra

Journal of Strategic and Global Studies

Crowdfunding is an effort to raise relatively small amounts of money involving many individuals to support a specific project. Typically, crowdfunding is conducted online through fundraising platforms. The aim of this paper is to identify and analyse the utilisation of crowdfunding in fundraising activities that are related to or have political goals carried out by certain organisations or political groups. The method used in this paper is qualitative in the form of narrative analysis carried out through in-depth reading of several scientific literatures that discuss political fundraising through crowdfunding. The sources of scientific literature collection were obtained through the Google …


How A Stay-At-Home Father Plays A Role In Family Resilience?, Fatimah Fatimah, Eko Daryanto Jan 2026

How A Stay-At-Home Father Plays A Role In Family Resilience?, Fatimah Fatimah, Eko Daryanto

Journal of Strategic and Global Studies

One of the impacts of modernization is the loss of barriers between job and particular gender. This also happens in the family unit, more specifically in the role of husband and wife. The husband's job which is identical to earn money and the wife's job is to manage the household should be able to be done more flexibly according to family conditions. This adaptation process is needed in order to strengthen family resilience. Non-traditional family composition that usually consist of a stay-at-home father and a working mother can be used as a family adaptation strategy. This study uses the results …


Implementation Of Zero Trust Architecture On Local Server Management In Educational Institutions, Joko Purwanto, Safar Dwi Kurniawan Jan 2026

Implementation Of Zero Trust Architecture On Local Server Management In Educational Institutions, Joko Purwanto, Safar Dwi Kurniawan

Journal of Strategic and Global Studies

Educational institutions are facing increasingly complex cyber threats, particularly as they continue to rely on on-premises servers with limited cybersecurity resources. Zero Trust Architecture (ZTA) offers a security model that rejects implicit trust and requires strict verification of each access request. This study aims to examine the applicability of ZTA in managing local servers within educational institutions through a qualitative literature review approach. Relevant literature from 2014 to 2025 was analyzed using thematic synthesis to identify recurring concepts, strategies, and gaps. The results show that ZTA, when integrated with Identity and Access Management (IAM), Security Information and Event Management (SIEM), …


Securitization Of The Forced Labor Issue Of Indonesian Migrant Fishing Vessel Crew By The Ministry Of Foreign Affairs, Lu'lu' Mamluatul Hikmah Ladienda, Nur Luthfi Hidayatullah Jan 2026

Securitization Of The Forced Labor Issue Of Indonesian Migrant Fishing Vessel Crew By The Ministry Of Foreign Affairs, Lu'lu' Mamluatul Hikmah Ladienda, Nur Luthfi Hidayatullah

Journal of Strategic and Global Studies

The case of forced labor against Indonesian migrant fishing vessel crew members has put the government in a dilemmatic position. The Indonesian government acts both as a labor sender and the protector of citizens' rights overseas. This study aims to examine how the Ministry of Foreign Affairs of the Republic of Indonesia raises the issue of forced labor as an existential threat through a securitization process. Using a descriptive qualitative approach, data was obtained from semi-structured interviews with officials of the Directorate of Indonesian Citizen Protection, as well as analysis of official documents, public statements, and credible media sources. The …


China’S Health Diplomacy To Asean Through Asean-China Comprehensive Strategic Partnership 2021-2025, Zahra Shaffa Kamila, Deasy Silvya Sari Jan 2026

China’S Health Diplomacy To Asean Through Asean-China Comprehensive Strategic Partnership 2021-2025, Zahra Shaffa Kamila, Deasy Silvya Sari

Journal of Strategic and Global Studies

The world always faces limitations in dealing with the pandemic. China had emerged as an active actor in health diplomacy to address this. China was the first country to send vaccines and health aid to Southeast Asia through ASEAN. However, the relationship between China and ASEAN did not begin with the pandemic. Both countries have a long history and recently renewed their plan of action (POA), which serves as evidence of their relationship namely the ASEAN-China Comprehensive Strategic Partnership (CSP) 2021-2025. The POA includes a sub-chapter on health that navigates China's health diplomacy towards ASEAN. Therefore, this research aimed to …


The Satu Wakaf Indonesia Application Development Strategy, Nurul Huda, Nova Rini, Rahma Aini Nur, Ariel Nian Gani, Muhammad Rofi'i, Nur Syamsudin Buchori Jan 2026

The Satu Wakaf Indonesia Application Development Strategy, Nurul Huda, Nova Rini, Rahma Aini Nur, Ariel Nian Gani, Muhammad Rofi'i, Nur Syamsudin Buchori

Journal of Strategic and Global Studies

The Satu Wakaf Indonesia application is a new platform for digital waqf, which necessitates a strategic policy for its development. The needs of strategic policy stand from the current problems that occur in the implementation of the application. The objectives of this study are: (1) the key sub-elements of the Satu Wakaf Indonesia development strategy, and (2) The Satu Wakaf Indonesia development strategy using the ISM approach. The research method used is a qualitative method with the Interpretive Structural Modelling (ISM) approach. The data source for this study is the results of filling out questionnaires by expert informants. The results …


Humanity Is Evolving Its Consciousness: The Role Of Archetypal Energies As Guides During An Unfolding Weeding Out And Alignment Process, Carroy U. Ferguson Jan 2026

Humanity Is Evolving Its Consciousness: The Role Of Archetypal Energies As Guides During An Unfolding Weeding Out And Alignment Process, Carroy U. Ferguson

Psychology Faculty Publication Series

Humanity is evolving its consciousness at individual and collective levels.  Given these seemingly tumultuous times, as of this writing (January 2026), to make such a statement may sound like a strange thing to say.  However, I suggest that if you are alive today and if you are reading these words, these are the very times for which you were born—to assist Humanity as it evolves its consciousness with your unique gifts, whatever they may be.  That is, this period of our individual and collective human being-ness may be characterized as an unfolding period of weeding out and alignment with the …


Pengaruh Real Mismatch Terhadap Upah Pekerja Di Indonesia, Jawani Eka Pyansahcilia, Dwini Handayani Jan 2026

Pengaruh Real Mismatch Terhadap Upah Pekerja Di Indonesia, Jawani Eka Pyansahcilia, Dwini Handayani

Jurnal Ekonomi Kependudukan dan Keluarga

This study aims to analyze the effect of real mismatch on the wages of workers with medium and higher education levels in Indonesia using the ordinary least squares (OLS) method. The data used in this study are derived from the National Labor Force Survey (Sakernas) conducted in August 2023 to identify instances of mismatch and analyze its impact on workers' wages. In 2023, the incidence of vertical mismatch only was recorded at 14.58 percent, horizontal mismatch only at 31.73 percent, and real mismatch reached 25.24 percent. The estimation results indicate that workers experiencing vertical mismatch only receive a wage premium, …


Emergency At The Borders: Response To Refugees In Sallum Camp, Shaimaa Hy Hassanein Jan 2026

Emergency At The Borders: Response To Refugees In Sallum Camp, Shaimaa Hy Hassanein

Theses and Dissertations

This thesis examines the emergency humanitarian response at Sallum camp at the Egyptian border upon the Lybian crisis between 2011 and 2014. By positioning the lived experiences and perspectives of humanitarian aid workers at the center, this research argues that the camp constituted a distinct and dynamic space shaped by shifting geopolitical conditions, state sovereignty concerns, and bureaucratic ambiguity. Drawing on qualitative interviews with frontline humanitarian aid workers who operated and lived in the camp over extended periods, the study explores how humanitarian interventions were negotiated, adapted, and implemented within a highly constrained environment.

The thesis highlights the Egyptian state’s …


Egypt’S Strategic Hedging In Economics With The United States And China From 2014-2024, Abigail Flynn Jan 2026

Egypt’S Strategic Hedging In Economics With The United States And China From 2014-2024, Abigail Flynn

Theses and Dissertations

This research aims to explain how Egypt is able to engage economically with two internationally competitive powers, the United States and China, using the theoretical framework of strategic hedging in the period of 2014-2024. While existing literature on strategic hedging is primarily focused on Southeast Asia and broadly deals with political hedging, this study applies the framework specifically to Egypt and is limited to economic relations. This research is significant because it identifies how Egypt is able to increase its economic engagement with the U.S. and China despite their competitive status and offers a novel argument which can be tested …


The Association Between Acceptance Of Illness And Quality Of Life Among Rheumatoid Arthritis Patients In Egypt, Terivina Ayad Naguib Ayad Jan 2026

The Association Between Acceptance Of Illness And Quality Of Life Among Rheumatoid Arthritis Patients In Egypt, Terivina Ayad Naguib Ayad

Theses and Dissertations

Rheumatoid arthritis is a common connective tissue autoimmune disease that has multidimensional impact on the patients’ daily functioning and quality of life. Due to the long- lasting incurable nature of RA, psychosocial adaptation to living with it becomes inevitable. Literature indicates that acceptance of illness as an appraisal of the disease and personal attitude towards it is related to better quality of life. The present study aims at investigating the relationship between disease acceptance and quality of life among rheumatoid arthritis patients in Egypt. This study also investigates the association of selected socio-demographic and disease related variables with quality of …


Stakeholder Views Of Real Estate Registration In Egypt And The Reform Of 2022, Karim Alsisi Jan 2026

Stakeholder Views Of Real Estate Registration In Egypt And The Reform Of 2022, Karim Alsisi

Theses and Dissertations

Real estate registration in Egypt has historically remained low despite the enactment of a deeds registration law in the 1940s and a title registration law in the 1960s. The 2022 reform (Law No. 9 of 2022) warranted an assessment of its effectiveness through a Public Policy and Administration lens. This thesis has two main objectives: first, to examine stakeholders’ views of the reform; and second, to explore stakeholder perspectives on formal registration and the factors driving registration avoidance by employing a qualitative design, using in-depth interviews with four stakeholder groups encompassing both system users and service providers. The findings revealed …


Family Caregivers And Suicide Prevention: A Needs And Assets Assessment In Egypt, Lina Osama Allam Jan 2026

Family Caregivers And Suicide Prevention: A Needs And Assets Assessment In Egypt, Lina Osama Allam

Theses and Dissertations

In the Arab world, suicide prevention is shaped by cultural stigma and religious beliefs, shaping both help-seeking behaviors and the design of support systems. Family caregivers play a vital role in suicide prevention but often face significant emotional and logistical burdens. This study is the first known scholarly effort in Egypt to examine the intervention needs of these caregivers. It explored three key questions: the roles and challenges of caregivers supporting individuals with suicidal thoughts or behaviors; the availability of clinical and community-based resources; and the characteristics of future interventions to support them. A total of 92 mental health professionals …


Assessing School Readiness For Social And Emotional Learning: A Study Of School Leadership Perceptions And Attitudes, Nahla Elharati Jan 2026

Assessing School Readiness For Social And Emotional Learning: A Study Of School Leadership Perceptions And Attitudes, Nahla Elharati

Theses and Dissertations

This study explores the integration of social and emotional learning (SEL) in a number of British schools across Egypt, focusing on how school leaders defined and perceived its importance in student development. Through in-depth interviews with twelve school leaders, this study found that school leaders’ definitions of SEL emphasized self- awareness, self-regulation, and relationship-building, alongside a strong focus on the real-life applicability of SEL both within school settings and in students’ future lives. School leaders also expressed positive attitudes toward the benefits of SEL, particularly its role in enhancing academic performance, promoting student well-being, improving peer relationships, and reducing bullying, …


An Impact Assessment Of The Effectiveness Of Utilizing Informal Health Communication Interventions To Spread Health Recommendations And Change Public Perception, Lina Mohamed Ezzat Ahmed Abdel Mawgoud Jan 2026

An Impact Assessment Of The Effectiveness Of Utilizing Informal Health Communication Interventions To Spread Health Recommendations And Change Public Perception, Lina Mohamed Ezzat Ahmed Abdel Mawgoud

Theses and Dissertations

Brain health is an increasingly urgent but critically under-addressed public health priority in Egypt and the wider MENA region. Despite its centrality to aging, productivity, and overall quality of life, public understanding of brain health remains limited, and stigma continues to shape responses to dementia and cognitive decline. This study evaluates the effectiveness of informal, culturally adapted health communication as a tool to shift perception, increase awareness, and promote behavior change among non-medically trained adults in Egypt.

Grounded in global evidence on cognitive reserve, neuroplasticity, and the life-course approach to brain health, the intervention translated expert-informed brain health recommendations into …


A Virtual-Reality-Based Dental Simulator For Endodontics With Automated Formative Feedback, Yousef Salah Abo El Ela Jan 2026

A Virtual-Reality-Based Dental Simulator For Endodontics With Automated Formative Feedback, Yousef Salah Abo El Ela

Theses and Dissertations

Advancements in virtual reality (VR) and haptic technology are transforming the landscape of medical and dental education, offering new avenues for safe, immersive, and repeatable training experiences. Within dentistry, endodontics presents unique challenges for preclinical education due to anatomical complexity, limited access to extracted teeth, ethical concerns, and the shortcomings of conventional plastic models. Despite endodontics specific plastic teeth being available, they fall short of replicating the hardness of real extracted teeth, are relatively costly compared to generic plastic teeth, and are ultimately a disposable item which makes them inadequate as a sustainable long-term solution. Extracted teeth do a much …


Advancing Climate Transition Through Fiscal Tools: The Role Of Carbon Taxation And Fuel Subsidy Reform, Farah Amgad Zayed Jan 2026

Advancing Climate Transition Through Fiscal Tools: The Role Of Carbon Taxation And Fuel Subsidy Reform, Farah Amgad Zayed

Theses and Dissertations

This study highlights how fiscal policy tools can accelerate Egypt's climate transition, with emphasis on carbon taxes and fossil fuel subsidies reforms. It investigates how fiscal tools can reduce carbon emissions and promote economic development by primarily relying on qualitative interviews with policymakers, consultants, representatives of the private sector, and civil society actors, paralleled with some descriptive and comparative analysis. The results show that even though Egypt has made significant strides in advancing green transition, including updating the Nationally Determined Contributions (NDC), introducing the first African Voluntary Carbon Market (VCM), as well as phasing out fossil fuel subsidies gradually, institutional …


Investigating The Risk Factors Affecting The Control Of Diabetes And Hypertension In The Refugees Living In Egypt, Noura Seada Jan 2026

Investigating The Risk Factors Affecting The Control Of Diabetes And Hypertension In The Refugees Living In Egypt, Noura Seada

Theses and Dissertations

Introduction: Non-Communicable Diseases (NCDs) account for 74% of global deaths, with high prevalence of Diabetes and Hypertension worldwide. Egypt hosts over 1 million registered refugees and asylum seekers, often lacking inclusion in social protection or insurance schemes. This study aimed to assess the factors affecting the control of Type 2 Diabetes (T2D) and Hypertension (HTN) among Syrian and Sudanese refugees in Egypt, focusing on healthcare access, sociodemographic characteristics, lifestyle, and health behaviours.

Methods: This study employed a cross-sectional design using a self-administered questionnaire and BMI measurement. Data were collected from 246 refugees diagnosed with type T2D and/or HTN in the …


Students' Perceptions Of English Pop Culture, Andrew Ruffing Jan 2026

Students' Perceptions Of English Pop Culture, Andrew Ruffing

Theses and Dissertations

Abstract

The purpose of this study is to investigate AUC students’ perceptions of English pop culture. Literature has shown that pop culture can be a beneficial engaging resource for students in the classroom. It provides students with comprehensible input for the language. However, there are concerns that students are disproportionately exposed to American pop culture while learning English. The purpose of this study is to investigate what nation students typically associate with English pop culture as well as if they use it to connect with those around them or the world outside their culture, as well as investigating their perceptions …


Domestic Violence Againts Women In Thailand: Galtung-Based Analysis Of Violence In Thai Drama “Tie Me (K)Not”, Akhdiat Dimas Abimanyu, Rahadjeng Pulungsari Jan 2026

Domestic Violence Againts Women In Thailand: Galtung-Based Analysis Of Violence In Thai Drama “Tie Me (K)Not”, Akhdiat Dimas Abimanyu, Rahadjeng Pulungsari

International Review of Humanities Studies

This study examines the portrayal of domestic violence against women in the Thai drama Tie Me (K)not (2022) using Johan Galtung’s theory of violence, which categorizes violence into direct, structural, and cultural forms. Through qualitative content analysis, the research identifies how the drama depicts these forms of violence, reflecting broader societal issues in Thailand. The findings reveal explicit instances of direct violence, such as physical and psychological abuse, systemic structural violence through institutional failures in justice and support systems, and cultural violence rooted in patriarchal traditions that justify gender inequality. The drama not only highlights these oppressive dynamics but also …


Negotiating Tradition And Modernity: An Ethnographic Study Of Leadership And Collaboration In Acehnese Islamic Higher Education, Basri Basri, Mujiburrahman Mujiburrahman, Mohammad Nasir, Muhammad Nazar Jan 2026

Negotiating Tradition And Modernity: An Ethnographic Study Of Leadership And Collaboration In Acehnese Islamic Higher Education, Basri Basri, Mujiburrahman Mujiburrahman, Mohammad Nasir, Muhammad Nazar

The Qualitative Report

This ethnographic study explored the relationship between State University Institutes (SUIs) and Ulama Dayah (Islamic scholars) as mutual co-existing beneficiaries in an Islamic educational organization in Aceh, Indonesia. While the relationship is characterized by a shared commitment to Islamic education, tensions simmer regarding leadership styles and the balance between tradition and modernity. This study is guided by the following research questions: (a) How do SUI leaders in Aceh perceive and manage the inherent tensions between upholding Islamic values and adapting to contemporary demands? (b) How do these leaders reconcile the potentially competing expectations of religious and secular stakeholders? (c) How …


Expressing Experiences Of Being Gender Non-Conforming In The “Ladies” Restroom Through Autoethnography-Based Research Poetics, Ellen D. B. Riggle Jan 2026

Expressing Experiences Of Being Gender Non-Conforming In The “Ladies” Restroom Through Autoethnography-Based Research Poetics, Ellen D. B. Riggle

The Qualitative Report

Three research poems are created as an autoethnographic response to feedback on a research article on the author’s experiences as a gender non-conforming person in women’s public restrooms.  The feedback loop includes the sharing of lived experiences by others and theoretical (why?) discussions in the context of the gendered policing and politicalization of women’s restrooms.  The first found poem includes words, phrases, and descriptions of images used to label spaces designated as women’s restrooms.  The second prose poem recounts the author's experiences through a reframing of risk to women’s health, understanding the cultural context of male entitlement and White supremacy, …


In Pursuit Of Culturally And Socially Respectful Research: Relational Theory And Practice, Gregory Smith, Mark Hammersley, Leslie Stanley Jan 2026

In Pursuit Of Culturally And Socially Respectful Research: Relational Theory And Practice, Gregory Smith, Mark Hammersley, Leslie Stanley

The Qualitative Report

Our article supports researchers committed to culturally and socially respectful practices, irrespective of the setting. When involved in social research, we are challenged by differences in culture, society and individual experience. These differences impact directly on peoples we are seeking to support through research, on ourselves as researchers and the design and conduct of the research project. These can involve perplexing and demanding challenges to respectful practice. In recent decades social research methodologies have sought to respond to these challenges. We describe a framework of relational theory that supports research practices seeking to reflect the experiences, knowledges and priorities of …


The Role Of Reflexivity In Collecting And Selecting Leds In A Phenomenological Study, Pilar Folgueiras, Valeria De Ormaechea, Amanda Aliende Da Matta Jan 2026

The Role Of Reflexivity In Collecting And Selecting Leds In A Phenomenological Study, Pilar Folgueiras, Valeria De Ormaechea, Amanda Aliende Da Matta

The Qualitative Report

This article addresses the methodological tension between description and interpretation in a phenomenological study on young women's political participation. The researchers explore how this tension influenced decisions about data collection and selection in applied hermeneutic phenomenology. A reflexive, meta-analytic approach is employed to examine research materials—epistemological diaries, team discussions, working documents, and researchers’ accounts—tracing how empirical material was produced and selected. Four distinct stages in the data collection process are identified and reveal how interpretative dilemmas emerged in the formulation of interview scripts, data gathering strategies, and narrative selection. The findings indicated that participants’ descriptions already contain a first level …


Kerentanan Kemiskinan Di Sulawesi Selatan: Analisis Vulnerability As Expected Poverty Dan Klaster Spasial, Nur Hilda Triany Jan 2026

Kerentanan Kemiskinan Di Sulawesi Selatan: Analisis Vulnerability As Expected Poverty Dan Klaster Spasial, Nur Hilda Triany

Jurnal Ekonomi Kependudukan dan Keluarga

This study aims to analyze the determinants of poverty vulnerability in South Sulawesi by integrating spatial dimensions into risk estimation models. Using micro-data from the March 2024 National Socio-Economic Survey (Susenas) with individuals as the unit of analysis, this study applies the Vulnerability as Expected Poverty (VEP) and Local Indicator of Spatial Association (LISA) methods, estimated through an integrated logistic regression model. Empirical results indicate that while the average vulnerability is relatively low, risk distribution is highly concentrated in specific regional clusters. Key findings reveal that health insurance ownership and household assets are the dominant protective factors that drastically reduce …