JEL Classification: G18. DOI: https://doi.org/10.31521/modecon.V45(2024)-08 Matviychuk Viktoriya, PhD in Economics, Associate Professor of the Department of Finance, Banking and Insurance, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0000-0002-1032-3060 e-mail: v.matviichuk@donnu.edu.ua Kryvoruchko Anastasia, student, Vasyl’ Stus Donetsk National University, Vinnytsia, Ukraine ORCID ID: 0009-0003-5082-3160 e-mail: kryvoruchko_a@donnu.edu.ua Yanishevskyi Bohdan, student, Vasyl’ Stus Donetsk National University,Read more