JEL Classification: H71, H72, H77, E62, O52. DOI: https://doi.org/10.31521/modecon.V54(2025)-21 Prots Natalia, PhD in Economics, Associate Professor, Associate Professor of the Department of Finance, Lesya Ukrainka Volyn National University, Lutsk, Ukraine ORCID: 0000-0003-3897-6482 e-mail: Vyshnevska.Nataliya@vnu.edu.ua Kosteniuk Taras, Postgraduate student, (4th year) in specialty 072 “Finance, Banking and Insurance”, Lesya Ukrainka Volyn National University, Lutsk, Ukraine ORCID:Read more







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