M. N. Mikhailyuk
Sochi Institute (a branch) of the Federal state autonomous educational institution of higher education «Peoples’ Friendship University of Russia»
Russian Federation

Marina N. Mikhailyuk, head of the Department of Finance and Credit, Candidate of Economics

32 Kuibysheva str., Sochi, 354340

S. K. Chinazirova
FSBEI HE «Adygh State University»
Russian Federation

Svetlana K. Chinazirova, an associate professor of the Department of Economics and Management, Candidate of Economics, an associate professor

208 Pervomaiskaya str., Maykop, 385000

R. V. Kostenko
FSBEI HE «Kuban State Technological University»
Russian Federation

Ruzana V. Kostenko, an associate professor of the Department of Economics and Finance, Candidate of Economics

2 Moskovskaya str., Krasnodar, 350072