{"id":42168,"date":"2021-04-11T18:55:00","date_gmt":"2021-04-11T15:55:00","guid":{"rendered":"https:\/\/fintech.biem.sumdu.edu.ua\/?page_id=42168"},"modified":"2026-06-19T02:49:23","modified_gmt":"2026-06-18T23:49:23","slug":"olena-krukhmal","status":"publish","type":"page","link":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/olena-krukhmal","title":{"rendered":"Olena Krukhmal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"42168\" class=\"elementor elementor-42168 elementor-39800\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54cdf35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54cdf35\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;885393b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f80da44\" data-id=\"f80da44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c0dfc62 elementor-widget elementor-widget-image\" data-id=\"c0dfc62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"333\" height=\"500\" src=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2020\/12\/kruhmal_olena-333x500.jpg\" class=\"attachment-medium size-medium wp-image-42072\" alt=\"\" srcset=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2020\/12\/kruhmal_olena-333x500.jpg 333w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2020\/12\/kruhmal_olena-683x1024.jpg 683w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2020\/12\/kruhmal_olena-768x1152.jpg 768w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2020\/12\/kruhmal_olena.jpg 800w\" sizes=\"(max-width: 333px) 100vw, 333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-2b59c8b\" data-id=\"2b59c8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a887c23 elementor-widget elementor-widget-text-editor\" data-id=\"a887c23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #003366;\"><strong>Krukhmal Olena<\/strong><\/span><\/h3><h6><strong>PhD in Economics, Associate Professor<\/strong><\/h6><p><strong>Contact information:<br \/>Cabinet:\u00a0: \u041a2-350<\/strong><br \/><strong>+38(0542) 665-093<\/strong><br \/><strong>E-mail: <a href=\"mailto:o.krukhmal@uabs.sumdu.edu.ua\">o.krukhmal@uabs.sumdu.edu.ua<\/a><\/strong><br \/><strong>Facebook: <a href=\"https:\/\/www.facebook.com\/krukhmal\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external external_icon\">https:\/\/www.facebook.com\/krukhmal<\/a><\/strong><\/p><p><strong>Professional networks:<\/strong><br \/><strong>ScopusAuthorID: 36069602100<\/strong><br \/><strong>ORCID: 0000-0001-9118-1713<\/strong><br \/><strong>ResearcherID: P-2233-2014<\/strong><br \/><strong><a href=\"https:\/\/scholar.google.com.ua\/citations?user=qnlMreYAAAAJ&amp;hl=uk&amp;oi=sra\" class=\"external external_icon\" rel=\"nofollow noopener\" target=\"_blank\">Google Scholar<\/a>\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f4a10a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f4a10a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;39769f1&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-7ea224d\" data-id=\"7ea224d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0df51a1 elementor-widget elementor-widget-image\" data-id=\"0df51a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.scopus.com\/authid\/detail.uri?authorId=36069602100\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/iafor-journal-of-education-in-scopus-1-1100x550-1-1024x512.jpg\" class=\"attachment-large size-large wp-image-42134\" alt=\"\" srcset=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/iafor-journal-of-education-in-scopus-1-1100x550-1-1024x512.jpg 1024w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/iafor-journal-of-education-in-scopus-1-1100x550-1-400x200.jpg 400w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/iafor-journal-of-education-in-scopus-1-1100x550-1-768x384.jpg 768w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/iafor-journal-of-education-in-scopus-1-1100x550-1.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-ab926ba\" data-id=\"ab926ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ba0cbc elementor-widget elementor-widget-image\" data-id=\"1ba0cbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/publons.com\/researcher\/2457128\/olena-krukhmal\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"530\" height=\"200\" src=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/researcher.jpg\" class=\"attachment-large size-large wp-image-42131\" alt=\"\" srcset=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/researcher.jpg 530w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/researcher-400x151.jpg 400w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-b712f6b\" data-id=\"b712f6b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30b68cf elementor-widget elementor-widget-image\" data-id=\"30b68cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/orcid.org\/0000-0001-9118-1713\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"272\" src=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/orcid_logo-1024x348.png\" class=\"attachment-large size-large wp-image-42133\" alt=\"\" srcset=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/orcid_logo-1024x348.png 1024w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/orcid_logo-400x136.png 400w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/orcid_logo-768x261.png 768w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/orcid_logo.png 1042w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-c888935\" data-id=\"c888935\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d36a6cb elementor-widget elementor-widget-image\" data-id=\"d36a6cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/scholar.google.com.ua\/citations?user=qnlMreYAAAAJ&#038;hl=uk&#038;oi=ao\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"100\" src=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/google.png\" class=\"attachment-large size-large wp-image-42130\" alt=\"\" srcset=\"https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/google.png 250w, https:\/\/fintech.biem.sumdu.edu.ua\/wp-content\/uploads\/2021\/01\/elementor\/thumbs\/google-qvkq2i5mmthssa1pdpqoulwnw5it74w3227di2ww80.png 200w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-266c503\" data-id=\"266c503\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-top-column elementor-element elementor-element-46bd1e0\" data-id=\"46bd1e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e86016 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e86016\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;3dd2783&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65f8766\" data-id=\"65f8766\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-636d5a7 elementor-widget elementor-widget-text-editor\" data-id=\"636d5a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"13\"><span style=\"color: #003366;\"><strong data-start=\"0\" data-end=\"13\">Education<\/strong><\/span><\/p><ul data-start=\"15\" data-end=\"203\"><li data-section-id=\"i3uv0n\" data-start=\"15\" data-end=\"97\"><span style=\"color: #003366;\"><strong data-start=\"17\" data-end=\"42\">Sumy State University<\/strong> \u2014 Specialist Diploma in <em data-start=\"67\" data-end=\"89\">Enterprise Economics<\/em> (1997).<\/span><\/li><li data-section-id=\"kt4046\" data-start=\"98\" data-end=\"203\"><span style=\"color: #003366;\"><strong data-start=\"100\" data-end=\"164\">Ukrainian Academy of Banking of the National Bank of Ukraine<\/strong> \u2014 Master&#8217;s Degree in <em data-start=\"186\" data-end=\"195\">Banking<\/em> (2010).<\/span><\/li><\/ul><p data-start=\"205\" data-end=\"236\">\u00a0<\/p><p data-start=\"205\" data-end=\"236\"><span style=\"color: #003366;\"><strong>Academic degrees and statuses:<\/strong><\/span><\/p><ul data-start=\"238\" data-end=\"407\"><li data-section-id=\"16c5qat\" data-start=\"238\" data-end=\"290\"><span style=\"color: #003366;\">Associate Professor, Department of Banking (2011).<\/span><\/li><li data-section-id=\"qugmy4\" data-start=\"291\" data-end=\"407\"><span style=\"color: #003366;\">Candidate of Economic Sciences (PhD equivalent) in the specialty <strong data-start=\"358\" data-end=\"399\">08.00.08 &#8220;Money, Finance, and Credit&#8221;<\/strong> (2011).<\/span><\/li><\/ul><p data-start=\"409\" data-end=\"427\">\u00a0<\/p><p data-start=\"409\" data-end=\"427\"><span style=\"color: #003366;\"><strong data-start=\"409\" data-end=\"427\">Courses\u00a0<\/strong><\/span><\/p><ul data-start=\"429\" data-end=\"463\"><li data-section-id=\"ze0mu\" data-start=\"429\" data-end=\"448\"><span style=\"color: #003366;\">Credit Management<\/span><\/li><li data-section-id=\"svclql\" data-start=\"449\" data-end=\"463\"><span style=\"color: #003366;\">Bank Lending<\/span><\/li><\/ul><p data-start=\"465\" data-end=\"487\">\u00a0<\/p><p data-start=\"465\" data-end=\"487\"><span style=\"color: #003366;\"><strong data-start=\"465\" data-end=\"487\">Research Interests<\/strong><\/span><\/p><ul data-start=\"489\" data-end=\"574\"><li data-section-id=\"qri7ya\" data-start=\"489\" data-end=\"515\"><span style=\"color: #003366;\">Bank financial stability<\/span><\/li><li data-section-id=\"zbqfus\" data-start=\"516\" data-end=\"544\"><span style=\"color: #003366;\">Credit management in banks<\/span><\/li><li data-section-id=\"17u3sab\" data-start=\"545\" data-end=\"574\"><span style=\"color: #003366;\">Bank credit risk management<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a257938 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a257938\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;841340e&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4892f1\" data-id=\"e4892f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e432c6e elementor-widget elementor-widget-toggle\" data-id=\"e432c6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2391\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2391\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Academic experience:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2391\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2391\"><ul><li data-section-id=\"ezb43a\" data-start=\"29\" data-end=\"144\"><span style=\"color: #003366;\"><strong data-start=\"31\" data-end=\"45\">Since 2019<\/strong> \u2014 Deputy Head of the Educational and Methodological Department, <strong data-start=\"110\" data-end=\"143\" data-is-only-node=\"\">Sumy State University (SumDU)<\/strong>.<\/span><\/li><li data-section-id=\"sgznyx\" data-start=\"145\" data-end=\"339\"><span style=\"color: #003366;\"><strong data-start=\"147\" data-end=\"160\">2017\u20132019<\/strong> \u2014 Deputy Director of the Educational and Scientific Institute of Business Technologies &#8220;UABS&#8221; for methodological work, practice-oriented training, and cooperation with employers.<\/span><\/li><li data-section-id=\"1y18eoa\" data-start=\"340\" data-end=\"461\"><span style=\"color: #003366;\"><strong data-start=\"342\" data-end=\"356\">Since 2016<\/strong> \u2014 Associate Professor, Department of Finance, Banking, and Insurance, <strong data-start=\"427\" data-end=\"460\" data-is-only-node=\"\">Sumy State University (SumDU)<\/strong>.<\/span><\/li><li data-section-id=\"qmog5p\" data-start=\"462\" data-end=\"600\"><span style=\"color: #003366;\"><strong data-start=\"464\" data-end=\"477\">2010\u20132016<\/strong> \u2014 Associate Professor, Department of Banking, <strong data-start=\"524\" data-end=\"599\" data-is-only-node=\"\">Ukrainian Academy of Banking of the National Bank of Ukraine (UABS NBU)<\/strong>.<\/span><\/li><li data-section-id=\"m51ype\" data-start=\"601\" data-end=\"735\" data-is-last-node=\"\"><span style=\"color: #003366;\"><strong data-start=\"603\" data-end=\"616\">1998\u20132010<\/strong> \u2014 Assistant Lecturer and Senior Lecturer, <strong data-start=\"659\" data-end=\"734\" data-is-only-node=\"\">Ukrainian Academy of Banking of the National Bank of Ukraine (UABS NBU)<\/strong>.<\/span><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2392\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2392\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Scopus, WoS Articles<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2392\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2392\"><p>\u00a0<\/p><p style=\"text-align: center;\"><span style=\"color: #003366;\">2025<\/span><\/p><ol><li><span style=\"color: #003366;\">Serpeninova Y., Partila P., Raboshuk A., Krukhmal O., Nezhyd Y. Transparency in Human Capital Disclosure in NonFinancial Reporting: Towards Ethical Governance and Corporate Social Responsibility in Banking. Business Ethics and Leadership. 2025. 9 (2). C. 120-129 DOI: 10.61093\/bel.9(2).120-129.2025. (Scopus)<\/span><\/li><\/ol><p style=\"text-align: center;\"><span style=\"color: #003366;\">2023<\/span><\/p><ol><li><span style=\"color: #003366;\">Krukhmal O., Petrushenko Y., Duvanova O. Cooperation as a Driver of Socioeconomic Leadership and Sustainable Development in Local Communities: Main Trends and Perspectives of the Interdisciplinary Research. Springer Proceedings in Business and Economics. 2023. C. 9-24 DOI: 10.1007\/978-3-031-28131-0_2. (Scopus)<\/span><\/li><li><span style=\"color: #003366;\">Lomachynska I., Krukhmal O., Ananiev M., Rudevska V., Zatonatskiy D., Pohorila \u041e.\u00a0<a style=\"color: #003366;\" href=\"https:\/\/essuir.sumdu.edu.ua\/items\/26819346-86dc-4a58-9b14-4e921842b50f\" target=\"_blank\" rel=\"noopener\">IMPROVEMENT OF THE CONCEPT OF STATE REGULATION OF THE BANKING SYSTEM AND MODELING ITS IMPACT ON THE NATIONAL ECONOMY<\/a>. Financial and Credit Activity: Problems of Theory and Practice. 2023. 2 (49). C. 8-23 DOI: 10.55643\/fcaptp.2.49.2023.4030. (Scopus \u0442\u0430 WoS)<\/span><\/li><li><span style=\"color: #003366;\">Lyeonov S., Bilan Y., Kuzmenko O., Krukhmal O., Vasa L.\u00a0<a style=\"color: #003366;\" href=\"https:\/\/essuir.sumdu.edu.ua\/items\/6415f612-1104-45d3-b76e-26191e8e0618\" target=\"_blank\" rel=\"noopener\">Strategic management, scenario analysis and competitive advantage analysis: New opportunities for anti-money laundering system reform<\/a>. E a M: Ekonomie a Management. 2023. 26 (2). C. 140-157 DOI: 10.15240\/tul\/001\/2023-2-009. (Scopus \u0442\u0430 WoS)<\/span><\/li><li><span style=\"color: #003366;\">Kuzmenko O., Krukhmal O., Koibichuk V., Hrytsenko K., Kushneryov O., Hordiienko V., Pasemko G., Taran O., Smihunova O.\u00a0<a style=\"color: #003366;\" href=\"https:\/\/essuir.sumdu.edu.ua\/items\/8fe0f91e-d60f-49f3-93a8-cc636a99a09e\" target=\"_blank\" rel=\"noopener\">Survival Analysis Methods for Assessing the Anti-Money Laundering System Effectiveness.<\/a>\u00a0WSEAS Transactions on Business and Economics. 2023. 20. C. 1185-1206 DOI: 10.37394\/23207.2023.20.106. (Scopus)<\/span><\/li><\/ol><p style=\"text-align: center;\"><span style=\"color: #003366;\">2021<\/span><\/p><ol><li><span style=\"color: #003366;\">Sukhonos, V, Pavlenko, L, Krukhmal, O, Ivanovska, A, Maletov, D\u00a0<a style=\"color: #003366;\" href=\"https:\/\/essuir.sumdu.edu.ua\/items\/35ad035e-493e-4b6a-8193-f46ac662da69\" target=\"_blank\" rel=\"noopener\">Forms of committing corrupt abuses of public finances and ways to counteract them in Ukraine<\/a>. AMAZONIA INVESTIGA. 2021. 10 (39). C. 149-158 DOI: 10.34069\/AI\/2021.39.03.14. (WoS)<\/span><\/li><\/ol><p style=\"text-align: center;\"><span style=\"color: #003366;\">2014\u00a0<\/span><\/p><ol><li><span style=\"color: #003366;\">Kryklii, \u041e.\u00a0<a style=\"color: #003366;\" href=\"https:\/\/essuir.sumdu.edu.ua\/handle\/123456789\/50833\" target=\"_blank\" rel=\"noopener\">Problem Loans Management System In Bank<\/a>\u00a0[Text] \/ \u041e. Kryklii, \u041e. Krukhmal \/\/ \u0410\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0456 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0438 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u043a\u0438. \u2013 2014. \u2013 \u21165. \u2013 \u0421.409-416.<\/span><p style=\"text-align: center;\" data-section-id=\"yn0cis\" data-start=\"27\" data-end=\"35\"><span style=\"color: #003366;\">2011<\/span><\/p><span style=\"color: #003366;\">Kovalenko, V. V., Krukhmal, O. V., &amp; Toryanyk, Zh. I. (2011). Problems of Bank Capitalization and Assessment of Capital Adequacy. <em data-start=\"171\" data-end=\"201\">Actual Problems of Economics<\/em>, No. 8, pp. 276\u2013287.<\/span><p style=\"text-align: center;\" data-section-id=\"yn0cgd\" data-start=\"224\" data-end=\"232\"><span style=\"color: #003366;\">2009<\/span><\/p><span style=\"color: #003366;\">Kovalenko, V. V., Korenieva, O. H., &amp; Krukhmal, O. V. (2009). Banking Crisis and Anti-Crisis Management Instruments. <em data-start=\"355\" data-end=\"385\">Actual Problems of Economics<\/em>, No. 2 (92), pp. 144\u2013150.<\/span><\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2393\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2393\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Articles<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2393\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2393\"><p>\u00a0<\/p><ol><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Pavlenko, L. D., Krukhmal, O. V., &amp; Popova, K. E. (2025). <em data-start=\"223\" data-end=\"320\">Theoretical Aspects of Assessment and Management of Bank Credit Risk under Economic Instability<\/em>. Business Inform, 4, 411\u2013421. DOI: 10.32983\/2222-4459-2025-4-411-422.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Miroshnychenko, O. V., Krukhmal, O. V., &amp; Khvostenko, A. H. (2022). <em data-start=\"468\" data-end=\"528\">Evolution of Management Accounting: Essence and Principles<\/em>. Bulletin of Sumy State University, 3, 51\u201359. DOI: 10.21272\/1817-9215.2022.3-5.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Kryklii, O. A. (2022). <em data-start=\"660\" data-end=\"855\">A Roadmap of Regulatory Interventions for Scaling the Institutional Partnership Model of Educational Service Providers to Enhance the Resilience of Local and Regional Socio-Economic Development<\/em>. Scientific View: Economics and Management, 4(80), 25\u201331. DOI: 10.32782\/2521-666X\/2022-80-4.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., Pavlenko, L. D., &amp; Tarasenko, Ya. Yu. (2021). <em data-start=\"1021\" data-end=\"1084\">Non-Performing Loans: Essence and Causes in Modern Conditions<\/em>. Modern Economics, 27, 42\u201346. DOI: 10.31521\/modecon.V27(2021)-07.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Pavlenko, L. D., Krukhmal, O. V., &amp; Zaritska, A. I. (2021). <em data-start=\"1220\" data-end=\"1355\">Bank Liquidity Management Instruments in the Context of the Transformation of International Legal Standards into National Legislation<\/em>. Effective Economy, 1.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Temchenko, A. R. (2020). <em data-start=\"1432\" data-end=\"1514\">Problem Debt in the Banking System of Ukraine: Assessment of Influencing Factors<\/em>. Market Infrastructure, 49, 236\u2013268.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Sukhonos, V. V. (2020). <em data-start=\"1604\" data-end=\"1660\">Development of Banking Business in the Digital Economy<\/em>. Effective Economy, 11. DOI: 10.32702\/2307-2105-2020.11.98.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Havrylenko, V. O. (2019). <em data-start=\"1775\" data-end=\"1854\">The Presence of Foreign Capital in the Banking System of Ukraine: An Analysis<\/em>. Economics. Finance. Law, 4\/1, 24\u201330.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Kovryhina, O. A. (2019). <em data-start=\"1946\" data-end=\"2013\">Analysis of Non-Performing Loans in the Banking System of Ukraine<\/em>. Economics. Finance. Law, 11\/2, 9\u201312.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Vasylchuk, A. Yu. (2018). <em data-start=\"2106\" data-end=\"2171\">Specific Features of Credit Policy Formation by Ukrainian Banks<\/em>. Effective Economy, 5.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Lieonov, S. V., &amp; Krukhmal, O. V. (2018). <em data-start=\"2246\" data-end=\"2362\">The Impact of Government Policy on Stimulating Banks\u2019 Credit and Investment Activity under Post-Crisis Instability<\/em>. Bulletin of Sumy State University. Economics Series, 2, 129\u2013134.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Lieonov, S. V., &amp; Krukhmal, O. V. (2018). <em data-start=\"2480\" data-end=\"2588\">Efficiency of a Bank\u2019s Credit and Investment Strategy under Transformational Changes in the Banking System<\/em>. Bulletin of Sumy State University. Economics Series, 1, 107\u2013113.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Samilyk, D. S. (2017). <em data-start=\"2706\" data-end=\"2777\">The Impact of Credit Policy on the Quality of a Bank\u2019s Loan Portfolio<\/em>. Effective Economy, 1.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Krasiuk, N. V. (2016). <em data-start=\"2852\" data-end=\"2971\">Development of Non-Price Instruments as a Necessary Condition for Enhancing Bank Competitiveness at the Present Stage<\/em>. Effective Economy, 12.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Kryvoruchko, O., &amp; Krukhmal, L. (2015). <em data-start=\"3045\" data-end=\"3193\">Economic Backgrounds, Strategic Guidelines and Cross-Cultural Specificity of Business Relations between Ukrainian Enterprises and Chinese Partners<\/em>. Economic Processes Management: International Scientific E-Journal, 4.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Kryklii, O. A., &amp; Krukhmal, O. V. (2014). <em data-start=\"3316\" data-end=\"3401\">Strengthening the Role of Banks\u2019 Credit Policy in the Mechanism of Credit Provision<\/em>. Bulletin of the Banking University of the National Bank of Ukraine, 3(21), 66\u201370.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Baranovska, O. A. (2014). <em data-start=\"3539\" data-end=\"3617\">Bank and Banking Product Competitiveness: Influencing Factors and Assessment<\/em>. Effective Economy, 5.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Kryklii, O. A., &amp; Krukhmal, O. V. (2011). <em data-start=\"3692\" data-end=\"3739\">Tools for Assessing Operational Risk in Banks<\/em>. Economic Analysis, 1(9), 168\u2013172.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V. (2013). <em data-start=\"3808\" data-end=\"3903\">Regulation of Non-Performing Loans in Ukrainian Banks: Theoretical and Methodological Aspects<\/em>. Bulletin of Odesa National University, 18(2), 100\u2013107.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Kryklii, O. A. (2013). <em data-start=\"4011\" data-end=\"4044\">The Bank Profit Analysis System<\/em>. In <em data-start=\"4049\" data-end=\"4212\">Proceedings of the All-Ukrainian Scientific and Practical Conference \u201cFinancial Mechanism and Accounting-Analytical Support for Sustainable Economic Development\u201d<\/em> (pp. 84\u201385).<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Kryklii, O. A., &amp; Krukhmal, O. V. (2012). <em data-start=\"4273\" data-end=\"4309\">The Bank Financial Analysis System<\/em>. Economic Analysis, 11(1), 377\u2013383.<\/span><\/p><\/li><li><p data-start=\"161\" data-end=\"394\"><span style=\"color: #003366;\">Krukhmal, O. V. (2011). <em data-start=\"4379\" data-end=\"4448\">Financial Planning in Commercial Banks under Post-Crisis Conditions<\/em>. Business Inform, 2, 20\u201321.<\/span><\/p><\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2394\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2394\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Methodical papers<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2394\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2394\"><ol><li data-start=\"46\" data-end=\"245\"><span style=\"color: #003366;\">Kubakh, T. H., Krukhmal, O. V., Riabushka, L. B., &amp; Zhuravka, O. S. (2026). <em data-start=\"126\" data-end=\"209\">Guidelines for Completing the Course Paper in the Discipline \u201cBanking Regulation\u201d<\/em>. Sumy: Sumy State University, 56 p.<\/span><\/li><li data-start=\"247\" data-end=\"469\"><span style=\"color: #003366;\">Miroshnychenko, O. V., Kryklii, O. A., &amp; Krukhmal, O. V. (2025). <em data-start=\"316\" data-end=\"433\">Guidelines for Organizing Practical Classes and Independent Study in the Discipline \u201cBank Accounting and Reporting\u201d<\/em>. Sumy: Sumy State University, 72 p.<\/span><\/li><li data-start=\"471\" data-end=\"713\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Pavlenko, L. D. (2021). <em data-start=\"518\" data-end=\"595\">Guidelines for Completing the Course Paper in the Discipline \u201cBank Lending\u201d<\/em> (for students majoring in 072 Finance, Banking and Insurance, all modes of study). Sumy: Sumy State University, 19 p.<\/span><\/li><li data-start=\"715\" data-end=\"967\"><span style=\"color: #003366;\">Krukhmal, O. V., &amp; Pavlenko, L. D. (2020). <em data-start=\"762\" data-end=\"849\">Guidelines for Completing the Course Paper in the Discipline \u201cBank Crisis Management\u201d<\/em> (for students majoring in 072 Finance, Banking and Insurance, all modes of study). Sumy: Sumy State University, 20 p.<\/span><\/li><li data-start=\"969\" data-end=\"1111\"><span style=\"color: #003366;\">Shkolnyk, I. O., Dekhtiar, N. A., Pihul, N. H., et al. (2019). <em data-start=\"1036\" data-end=\"1074\">Guidelines for Writing Course Papers<\/em>. Sumy: Sumy State University, 100 p.<\/span><\/li><li data-start=\"1113\" data-end=\"1234\"><span style=\"color: #003366;\">Krukhmal, O. V. (2019). <em data-start=\"1141\" data-end=\"1198\">Credit Management: Guidelines for Writing Course Papers<\/em>. Sumy: Sumy State University, 23 p.<\/span><\/li><li data-start=\"1236\" data-end=\"1403\"><span style=\"color: #003366;\">Buriak, A. V., Kryvych, Ya. M., &amp; Krukhmal, O. V. (2017). <em data-start=\"1298\" data-end=\"1367\">Guidelines for Independent Study of the Discipline \u201cBanking System\u201d<\/em>. Sumy: Sumy State University, 91 p.<\/span><\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2395\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2395\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Certification training<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2395\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2395\"><p data-start=\"79\" data-end=\"87\"><span style=\"color: #003366;\">2026<\/span><\/p><ul data-start=\"88\" data-end=\"268\"><li data-section-id=\"1giu44z\" data-start=\"88\" data-end=\"268\"><span style=\"color: #003366;\">Completed the training program \u201cThe Financial Sector of Ukraine Today: Modern Approaches to Risk Management Systems\u201d, organized by the National Bank of Ukraine (26 May 2026).<\/span><\/li><\/ul><p data-start=\"270\" data-end=\"278\"><span style=\"color: #003366;\">2025<\/span><\/p><ul data-start=\"279\" data-end=\"512\"><li data-section-id=\"3jnrsm\" data-start=\"279\" data-end=\"512\"><span style=\"color: #003366;\">Participated in a Scientific and Pedagogical Internship: \u201cPublic Management and Administration Experience of the European Union\u201d at the Institute of Public Administration Affairs, Republic of Poland (20 February \u2013 15 May 2025).<\/span><\/li><\/ul><p data-start=\"514\" data-end=\"522\"><span style=\"color: #003366;\">2024<\/span><\/p><ul data-start=\"523\" data-end=\"705\"><li data-section-id=\"4wo53y\" data-start=\"523\" data-end=\"705\"><span style=\"color: #003366;\">Attended the Summer School \u201cSustainable Development Goals (SDGs): Global Challenges, Local Action, Achieved Outcomes\u201d, University of Liverpool, United Kingdom (1\u201319 July 2024).<\/span><\/li><\/ul><p data-start=\"707\" data-end=\"715\"><span style=\"color: #003366;\">2020<\/span><\/p><ul data-start=\"716\" data-end=\"1358\"><li data-section-id=\"wne6lf\" data-start=\"716\" data-end=\"1124\"><span style=\"color: #003366;\">Participated in the international capacity-building program \u201cStrengthening Scientific Capacities and Cooperation of Ukrainian Universities in AgriSciences\u201d, which included training in:<\/span><ul data-start=\"909\" data-end=\"1124\"><li data-section-id=\"16j6h03\" data-start=\"909\" data-end=\"951\"><span style=\"color: #003366;\">System Dynamics and Causal Loop Diagrams<\/span><\/li><li data-section-id=\"1scr65b\" data-start=\"954\" data-end=\"975\"><span style=\"color: #003366;\">Statistical Methods<\/span><\/li><li data-section-id=\"ik63t6\" data-start=\"978\" data-end=\"1003\"><span style=\"color: #003366;\">Socio-Economic Research<\/span><\/li><li data-section-id=\"munhdt\" data-start=\"1006\" data-end=\"1041\"><span style=\"color: #003366;\">Scientific Writing and Publishing<\/span><\/li><li data-section-id=\"1x3v0iw\" data-start=\"1044\" data-end=\"1060\"><span style=\"color: #003366;\">Plant Sciences<\/span><\/li><li data-section-id=\"14caljq\" data-start=\"1063\" data-end=\"1088\"><span style=\"color: #003366;\">Multi-Level Perspective<\/span><\/li><li data-section-id=\"14h8z00\" data-start=\"1091\" data-end=\"1124\"><span style=\"color: #003366;\">Multicriteria Decision Analysis<\/span><\/li><\/ul><\/li><li data-section-id=\"1sjiap8\" data-start=\"1126\" data-end=\"1358\"><span style=\"color: #003366;\">Completed an internship under the Deutsche Bundesbank program \u201cTimes of Uncertainty: Current Challenges for the European Financial Markets\u201d at the University of Applied Sciences of the Deutsche Bundesbank, Hachenburg, Germany.<\/span><\/li><\/ul><p data-start=\"1360\" data-end=\"1368\"><span style=\"color: #003366;\">2019<\/span><\/p><ul data-start=\"1369\" data-end=\"1676\"><li data-section-id=\"qqyg94\" data-start=\"1369\" data-end=\"1499\"><span style=\"color: #003366;\">Completed professional development training \u201cDistance Learning Technologies for University Teachers\u201d, Sumy State University.<\/span><\/li><li data-section-id=\"1rx7z63\" data-start=\"1501\" data-end=\"1676\"><span style=\"color: #003366;\">Participated in the seminar \u201cInternational Central Banking Week\u201d at the University of Applied Sciences of the Deutsche Bundesbank, Hachenburg, Germany (6\u201314 April 2019).<\/span><\/li><\/ul><p data-start=\"1678\" data-end=\"1686\"><span style=\"color: #003366;\">2018<\/span><\/p><ul data-start=\"1687\" data-end=\"1856\"><li data-section-id=\"qmtv0t\" data-start=\"1687\" data-end=\"1856\"><span style=\"color: #003366;\">Completed professional development training in \u201cData Analysis and Visualization\u201d, Sumy State University (Certificate No. \u041f\u041a 05408289\/00579-18, issued 2 July 2018).<\/span><\/li><\/ul><p data-start=\"1858\" data-end=\"1866\"><span style=\"color: #003366;\">2017<\/span><\/p><ul data-start=\"1867\" data-end=\"2056\"><li data-section-id=\"138h44y\" data-start=\"1867\" data-end=\"2056\"><span style=\"color: #003366;\">Completed professional development training under the program \u201cInnovative Pedagogical Activity\u201d, Sumy State University (Certificate No. \u041f\u041a 05408289\/00399-17, issued 29 December 2017).<\/span><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Krukhmal Olena PhD in Economics, Associate Professor Contact information:Cabinet:\u00a0: \u041a2-350+38(0542) 665-093E-mail: o.krukhmal@uabs.sumdu.edu.uaFacebook: https:\/\/www.facebook.com\/krukhmal Professional networks:ScopusAuthorID: 36069602100ORCID: 0000-0001-9118-1713ResearcherID: P-2233-2014Google Scholar\u00a0 Education Sumy State University \u2014 Specialist Diploma in Enterprise Economics (1997). Ukrainian Academy of Banking of the National Bank of Ukraine \u2014 Master&#8217;s Degree in Banking (2010). \u00a0 Academic degrees and statuses: Associate Professor, Department of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":42072,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_wp_rev_ctl_limit":""},"class_list":["post-42168","page","type-page","status-publish","has-post-thumbnail","hentry"],"publishpress_future_action":{"enabled":false,"date":"2026-07-22 21:56:59","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"translation_priority","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/pages\/42168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/comments?post=42168"}],"version-history":[{"count":3,"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/pages\/42168\/revisions"}],"predecessor-version":[{"id":66623,"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/pages\/42168\/revisions\/66623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/media\/42072"}],"wp:attachment":[{"href":"https:\/\/fintech.biem.sumdu.edu.ua\/en\/wp-json\/wp\/v2\/media?parent=42168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}