JEL Classification: G10, G14, O33. DOI: https://doi.org/10.31521/modecon.V55(2026)-05 Bodnar Olena, PhD (Economics), Associate Professor of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID: 0000-0002-0152-4290 e-mail: bodnaroa@mnau.edu.ua Slobodian Tetiana, higher education student, Accounting and Finance Faculty, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID: 0009-0008-6413-8734 e-mail: tanyaslobodian1051@gmail.com Rahulina Anastasia, higher education student,Read more







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