JEL Classification: M21; G22 DOI: https://doi.org/10.31521/modecon.V27(2021)-06 Dranus Valentyn, Ph.D. (Economics), Associate Professor of the Department of Finance and Credit, Petro Mohyla Black Sea National University, Mykolaiv, Ukraine ORCID ID: 0000-0001-5617-6740 e-mail: drval8@ukr.net Dranus Liubov, Ph.D. (Economics), Associate Professor of the Department of Management, Petro Mohyla Black Sea National University, Mykolaiv, Ukraine ORCID ID: 0000-0002-6427-1315 e-mail:Read more