JEL Classification: E69; D20, D81; G22; J28. DOI: https://doi.org/10.31521/modecon.V50(2025)-03 Olena Bodnar, PhD in Economics, Associate Professor, Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID ID: 0000-0002-0152-4290 e-mail: bodnaroa@mnau.edu.ua Denys Ivanenko, candidate for a higher education degree, Accounting and Finance Faculty, Mykolaiv National Agrarian University, Mykolaiv, Ukraine e-mail: denchik506732@gmail.com TheRead more