JEL Classification: G14 DOI: https://doi.org/10.31521/modecon.V39(2023)-03 Volkova Nelia, PhD in Economics, Associate Professor of the Department of Finance, Banking and Insurance, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0000-0003-3790-3636 e-mail: n.volkova@donnu.edu.ua Kryvoruchko A. S., student, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0009-0003-5082-3160 e-mail: kryvoruchko_a@donnu.edu.ua Yanishevskyi B. S., student, Vasyl’ Stus Donetsk National University, Vinnytsia,Read more