JEL Classification: G21. DOI: https://doi.org/10.31521/modecon.V27(2021)-08 Krukhmal Olena, PhD in Economics, Associate Professor of the Finance, Banking and Insurance Department, Sumy State University, Sumy, Ukraine ORCID ID: 0000-0001-9118-1713 e-mail: o.krukhmal@uabs.sumdu.edu.ua Pavlenko Ludmila, PhD in Economics, Associate Professor, Senior lecturer of the Finance, Banking and Insurance Department, Sumy State University, Sumy, Ukraine ORCID ID: 0000-0002-4724-7567 e-mail: l.pavlenko@uabs.sumdu.edu.uaRead more







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