JEL Classification: Q56 DOI: https://doi.org/10.31521/modecon.V44(2024)-23 Roleders Viktoriia, PhD in Economics, Associate Professor, Associate Professor of the Department of Finance, Banking and Insurance, Vinnytsia Education and Research Institute of Economics of West Ukrainian National University, Vinnytsia, Ukraine ORCID ID: 0000-0002-6653-6583 e-mail: nagaichukviktoriia@gmail.com Kukel Halyna, PhD in Economics, Associate Professor, Associate Professor of the Department of Management,Read more