The purpose of the article is to study the factors that determine the financial behavior of households in the region in conditions of economic and social instability, as well as to develop recommendations for managing financial resources in conditions of unpredictability and instability. The article aims to highlight the main influencing factors that determine decisions regarding the management of financial resources, in particular, the formation of the level of savings, investment, and consumption. This article examines the main factors shaping the financial behavior of households in the region in the face of modern challenges. Models of the financial behavior of households are formed and the key factors influencing their spending, savings, and financial management are identified. The influence of modern economic and social challenges on consumer behavior is analyzed. The impact of the COVID-19 pandemic on financial behavior is analyzed and financial management strategies in conditions of economic uncertainty are identified. The importance of the response of households to economic instability is emphasized and the main trends in changes in spending and consumer strategies are described. The impact of changes in the population’s income on consumption is analyzed in detail, and practical recommendations for managing finances in the face of modern challenges are formulated. The importance of responding to economic and social changes for the formation of stable financial strategies is indicated. Prospects for further research in the field of financial behavior and the need to improve financial management methods are highlighted. As a result of the research, conclusions are made regarding the key factors of the financial behavior of the population in the conditions of modern challenges, and the importance of understanding and analyzing the financial behavior of households in the modern economic environment is emphasized. The article argues that improving financial management strategies can contribute to more stable economic development and reduce risks for the population in conditions of instability. 

household, household finance, household income, household expenditure, household financial behavior, instability, financial strategies, financial risks, region 

The war, along with the need to strengthen the resilience of communities and support the affected population, has actualized the problem of protecting the rights and guarantees of internally displaced persons and fulfilling the proper obligations of the state in the conditions of intensified hostilities in Ukraine. Therefore, the gaps in the current legislation regarding the support of IDPs’ integration into life in new communities should be analyzed and identified. The article aims to analyze the institutional foundations of the protection of the rights and guarantees of internally displaced persons and to identify the legislative “gaps” in support of the integration of internally displaced persons into new communities in the conditions of war in Ukraine. The institutional principles of protecting the rights and guarantees of internally displaced persons are analyzed. Legislative conflicts/gaps, which slow down the pace of adaptation, and thus the integration of displaced persons into the life of host communities, are identified. The study reveals that the procedure for registration/re-registration of internally displaced persons is not fully standardized; the mechanisms for obtaining financial assistance are imperfect; there is a shortage of affordable housing; it is difficult to ensure unhindered access to medical services; there are problems with the employment of internally displaced persons due to the lack of vacancies and the mismatch of their qualifications with the requirements of the labor market. The Strategy for the Integration of Internally Displaced Persons until 2024 and the plan for its implementation are analyzed. Benefits and risks are emphasized. The article argues that information activities and popularization of entrepreneurship among IDPs by conducting various educational trainings will contribute to the birth of an idea and own businesses, but financing, introduction of benefits and incentives, or material support are more effective factors in the integration of IDPs by increasing their employment. The timely introduction of a tool for monitoring the problems and needs of internally displaced persons was emphasized, given the need to improve the integration of residents into host communities. 

internally displaced persons, war, territorial communities, migration, integration