JEL Classification: E62; O23. DOI: https://doi.org/10.31521/modecon.V46(2024)-13 Mirzayev N.S., Ph.D in Economics, Associate Professor, Dean of the Faculty of Business and Local Governanse of Western Caspian University, Baku, Azerbaijan ORCID ID: 0000-0002-2520-3619 e-mail: mirzoev.n@mail.ru Gardashov V.L., Lecturer at the Department of Finance and management at Baku State University, Baku, Azerbaijan ORCID ID: 0000-0001-6808-3234 e-mail: vuqarqardasov98@gmail.com Read more