JEL Classification: H11; H19. DOI: https://doi.org/10.31521/modecon.V49(2025)-16 Kraus Nataliia, Dr. Sc. (Economics), Professor, Leading Researcher of Scientific and research part, Bohdan Khmelnytskyi National University of Cherkasy, Cherkasy, Ukraine ORCID ID: 0000-0001-8610-3980 e-mail: k2205n@ukr.net Kraus Kateryna, Cand. Sc. (Economics), Assosiate Professor, Senior Research Officer of Scientific and research part, Bohdan Khmelnytskyi National University of Cherkasy, Cherkasy, UkraineRead more