JEL Classification:I31, O13, Q14, Q18 DOI: https://doi.org/10.31521/modecon.V49(2025)-04 Burkovska Alla, Ph. D (Economics), Associate Professor of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0003-4158-1721 e-mail: burkovskaya@mnau.edu.ua Burkovska Anna, Ph. D (Economics), Associate Professor of the Department of Management and Marketing, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID:Read more