JEL Classification: D22, L10, M10, O30 DOI: https://doi.org/10.31521/modecon.V49(2025)-10 Dudnieva Iuliia, PhD of Economics, Associate Professor, Associate Professor of the Department of Economics and Management, V. N. Karazin Kharkiv National University, Kharkiv, Ukraine ORCID ID: 0000-0002-4786-7213 e-mail: j_dudneva@ukr.net Obydiennova Tetiana, PhD of Economics, Associate Professor, Associate Professor of the Department of Economics and Management, V. N.Read more