JEL Classification: F23; M31; M16. DOI: https://doi.org/10.31521/modecon.V51(2025)-20 Nikulnikova Hanna, PhD (Economics), Associate Professor of the Department of Enterprise Economics, Organization and Management, Kryvyi Rih National University, Kryvyi Rih, Ukraine ORCID ID: 0000-0002-0703-5041 e-mail: tomskogo18@gmail.com Polishuk Irina, PhD (Economics), Associate Professor of the Department of Enterprise Economics, Organization and Management, Kryvyi Rih National University, Kryvyi Rih,Read more