JEL Classification: M21; E35; M31 DOI: https://doi.org/10.31521/modecon.V44(2024)-12 Koval Natalia, Candidate of Economic Sciences, Associate Professor, Associate Professor of the Department of Finance and Innovation Management, Vinnytsia National Technical University, Vinnytsia, Ukraine ORCID ID: 0000-0002-7293-3331 e-mail: nokoval@gmail.com Piliavoz Tetiana, Candidate of Economic Sciences, Associate Professor, Associate Professor of the Department of Entrepreneurship, Logistics and Management, VinnytsiaRead more