JEL Classification: G22; G32; O33 DOI: https://doi.org/10.31521/modecon.V56(2026)-29 Sirenko Natalia, Doctor of Economics, Professor, The Head of the Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID: 0000-0003-1660-1073 e-mail: sirenko@mnau.edu.ua Mikuliak Kateryna, Assistant of the Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID: 0000-0001-8317-0360 e-mail: mikulyak@mnau.edu.ua AnastasiiaRead more







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