JEL Classification: G21. DOI: https://doi.org/10.31521/modecon.V29(2021)-12 Gordienko Lyudmila, Doctor of Economics, Associate Professor, Head of the Department of Marketing, Finance, Banking and Insurance, Rauf Ablyazov East European University, Cherkasy, Ukraine ORCID ID: 0000-0001-8979-8968 e-mail: zolota888@ukr.net Sarana Lesia, PhD (Economics), Associate Professor of Marketing, Finance, Banking and Insurance, Rauf Ablyazov East European University, Cherkasy, Ukraine ORCID ID:Read more