JEL Classification: O17 DOI: https://doi.org/10.31521/modecon.V23(2020)-05 Bukhtiarova Alina, PhD in Economics, Associate Professor, Associate Professor of the Department of Finance, Banking and Insurance, Sumy State University, Sumy, Ukraine ORCID ID: 0000-0003-2631-3323 e-mail: а.bukhtiyarova@uabs.sumdu.edu.ua Semenog Andrii, PhD in Economics, Associate Professor, Associate Professor of the Department of Finance, Banking and Insurance, Sumy State University, Sumy, Ukraine ORCIDRead more