JEL Classification: Q13; D41; L19. DOI: https://doi.org/10.31521/modecon.V32(2022)-12 Sirenko Natalia, Doctor of Economics, Professor, The Head of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0003-1660-1073 e-mail: Reshetilovgeorge@gmail.com Mikuliak Kateryna, Assistant of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0001-8317-0360 e-mail:Read more