JEL Classification: А10; F10; L81 DOI: https://doi.org/10.31521/modecon.V24(2020)-17 Lunkina T., Doctor of Economics, Associate Professor of the Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0001-7252-3239 e-mail: lunkina_tanya@i.ua Kuhlyar A., applicant higher education, Mykolayiv National Agrarian University, Mykolaiv, Ukraine ORCID ID: 0000-0003-4724-3950 e-mail: kuglyar05@gmail.com Kemova Y., applicant higher education, MykolayivRead more