JEL Classification: G10 DOI: https://doi.org/10.31521/modecon.V38(2023)-10 Lushko S. M., Senior Lecturer of the Department of Finance and Credit, Petro Mohyla Black Sea National University, Mykolayiv, Ukraine ORCID ID: 0000-0003-4598-1319 e-mail: sveta.lushko@gmail.com Cherniuk T. I., Lecturer of the department of foreign languages, Petro Mohyla Black Sea National University, Mykolayiv, Ukraine ORCID ID: 0009-0005-1991-2303 e-mail: tatianka.cherniuk@gmail.com PersonalRead more