JEL Classification: E42; Е52; E58 DOI: https://doi.org/10.31521/modecon.V43(2024)-02 Bodnar Olena, PhD (Economics), Associate Professor of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0002-0152-4290 e-mail: bodnaroa@mnau.edu.ua Krasnonozhenko Vitaliia, Applicant of Higher Education, Accounting and Finanсe Faculty, Mykolayiv National Agrarian University, Ukraine ORCID ID: 0000-0002-7595-6539 e-mail: kvo20082004@gmail.com Nesterchuk Tetyana, ApplicantRead more