JEL Classification: G22; G52; O16; O32; O50. DOI: https://doi.org/10.31521/modecon.V48(2024)-13 Sirenko Natalia, Doctor of Economics, Professor, the Head of the Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID ID: 0000-0003-1660-1073 e-mail: sirenko@mnau.edu.ua Mikuliak Kateryna, Assistant of the Department of Finance, Banking and Insurance, Mykolaiv National Agrarian University, Mykolaiv, Ukraine ORCID ID:Read more