JEL Classification: A22; E40; G22; G52. DOI: https://doi.org/10.31521/modecon.V46(2024)-05 Nelya Volkova, PhD in Economics, Associate Professor of the Department of Finance and Banking, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0000-0003-3790-3636 e-mail: n.volkova@donnu.edu.ua Anastasia Nikolaeva, student of Department of Finance and Banking, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0009-0002-0005-7691 e-mail: nikolaevanasta200@gmail.comRead more