JEL Classification: E62, H20, Н31. DOI: https://doi.org/10.31521/modecon.V49(2025)-20 Matviychuk Lesia, PhD (Economics), Associate Professor of the Department of Finance, Banking, Insurance and the stock market, Khmelnytskyi National University, Khmelnytskyi, Ukraine ORCID ID: 0000-0002-0974-2284 e-mail: matviichukl@khmnu.edu.ua Lopatovska Oksana, Lecturer at the Department of Finance, Accounting and Audit,Khmelnytskyi Cooperative Trade and Economic Institute, Khmelnytskyi, Ukraine ORCID ID: 0000-0002-9301-3833Read more