V. Manuylenko
North Caucasus Federal University
Russian Federation

Viktoriya Manuylenko, Doctor of Economics, Professor, Professor of the Department for Finance and Credit of the Institute of Economics and Management

A. Khakirov
North Caucasus Federal University
Russian Federation

Akhmed Khakirov, Master’s student of the direction of training 38.04.08 «Finance and Credit» of the Department of Finance and Credit of the Institute of Economics and Management

R. Shelepova
Russian Technological University in Stavropol
Russian Federation

Rimma Shelepova, Candidate of Economics, Associate Professor, Associate Professor of the Department of Regional Economics of the branch of the MIREA

A. Dementieva
Russian Technological University in Stavropol
Russian Federation

Alina Dementieva, student of the 38.03.01 Economics Department of Regional Economics of the branch of the MIREA