1. Taras Shevchenko National University of Kyiv,Department of Insurance, Banking and Risk-Management,Kyiv,Ukraine
2. Taras Shevchenko National University of Kyiv,Department of of statistics, information and analytical systems and demography,Kyiv,Ukraine
3. Mendel University in Brno,Department of Law and Humanity Sciences,Brno,Czech Republic
4. Chernihiv Polytechnic National University,Educational & Scientific Institute of Management, Food Technologies and Trade,Chernihiv,Ukraine