JEL Classification: Е42; Е50; Е52; Е59. DOI: https://doi.org/10.31521/modecon.V53(2025)-26 Melnyk Olha, Candidate of Economic Sciences, Associate Professor, Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID: 0000-0001-8639-7755 e-mail: melnikoi@mnau.edu.ua Zadorozhna Olha, Higher Education Student, Accounting and Finance Faculty, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID: 0009-0000-1356-4890 e-mail: zadoroznaola436@gmail.com Business Lending: ProgramsRead more







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