JEL Classification: L96, M21, O33. DOI: https://doi.org/10.31521/modecon.V49(2025)-15 Kotvytska Nataliia, Doctor of Economics, Associate Professor of the Department of Economics, Finance and Accounting, Private Higher Education Institution «European University», Kyiv, Ukraine ORCID ID: 0000-0003-0864-1470 e-mail: nataliia.kotvytska@e-u.edu.ua Ovsiіenko Nataliia, Candidate of economic sciences, Associate Professor, Head of the Department of management and marketing, Private Higher Education InstitutionRead more