JEL Classification: Q14; G38 DOI: https://doi.org/10.31521/modecon.V44(2024)-03 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 Semeniuk Anastasiia, Applicant of Higher Education, Accounting and Finanсe Faculty, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0009-0000-7373-0627 e-mail: a.semeniuk2002@gmail.com Formation of FinancialRead more