FINANCIAL RISKS IN THE AGRICULTURAL SECTOR: INSURANCE STRATEGIES AND DIGITAL TECHNOLOGIES IN THE CONTEXT OF EFFECTIVE USE OF HUMAN CAPITAL. World of finance, [S. l.], n. 4(85), p. 162–175, 2026. DOI: 10.35774/sf2025.04.162. Disponível em: http://sf.wunu.edu.ua/index.php/wof/article/view/1887. Acesso em: 19 jan. 2026.