ISTE’MOL KREDITLARINING AHAMIYATI VA O’ZIGA XOS JIHATLARI

ISTE’MOL KREDITLARINING AHAMIYATI VA O’ZIGA XOS JIHATLARI

Authors

  • S. Qayumov
  • M. Qurbonov
  • A. S. Abduraxmanov

DOI:

https://doi.org/10.5281/zenodo.20764603

Keywords:

iste’mol krediti, kreditlash, aholi daromadlari, iste’mol talabi, bank tizimi, moliyaviy xizmatlar, turmush darajasi, kredit munosabatlari.

Abstract

Mazkur maqolada iste’mol kreditlarining iqtisodiy ahamiyati, ularning aholining iste’mol imkoniyatlarini kengaytirishdagi
roli hamda o‘ziga xos jihatlari o‘rganilgan. Iste’mol kreditlari orqali aholining turli ehtiyojlarini qondirish, turmush
darajasini yaxshilash va ichki talabni rag‘batlantirish imkoniyatlari tahlil qilingan. Shuningdek, iste’mol kreditlarining
boshqa kredit turlaridan farqli jihatlari, kreditlash jarayonining xususiyatlari hamda mamlakat iqtisodiy rivojlanishiga ta’siri
yoritilgan.

Author Biographies

S. Qayumov

Samarqand iqtisodiyot va servis instituti
BI-322 guruh talabasi

M. Qurbonov

Samarqand iqtisodiyot va servis instituti
BI-322 guruh talabasi

A. S. Abduraxmanov

Ilmiy rahbar: 
Samarqand iqtisodiyot va servis instituti
“Bank ishi” kafedrasi assistenti

References

O‘zbekiston Respublikasining “Banklar va bank faoliyati to‘g‘risida”gi Qonuni, O‘RQ-580-son. 2019-yil 5-noyabr. //

https://lex.uz/docs/-4581969

O‘zbekiston Respublikasi Markaziy banki. Pul-kredit siyosatining 2025-yil va 2026–2027-yillar davriga mo‘ljallangan

asosiy yo‘nalishlari. – Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2024. // https://cbu.uz

O‘zbekiston Respublikasi Markaziy banki. Bank tizimi faoliyati bo‘yicha yillik hisobot. – Toshkent: O‘zbekiston

Respublikasi Markaziy banki, 2024. // https://cbu.uz

O‘zbekiston Respublikasi Prezidenti huzuridagi Statistika agentligi. O‘zbekiston Respublikasining ijtimoiy-iqtisodiy

holati. – Toshkent: Statistika agentligi, 2025. // https://stat.uz

Mirziyoyev Sh. M. Yangi O‘zbekiston strategiyasi. – Toshkent: “O‘zbekiston” nashriyoti, 2021. – 464 b.

Abdullayeva Sh. Z. Bank ishi. – Toshkent: Iqtisod-Moliya, 2017. – 732 b.

Vahobov A. V., Malikov T. S. Moliya. – Toshkent: Noshir, 2012. – 712 b.

Demirgüç-Kunt A., Klapper L., Singer D., Ansar S. The Global Findex Database 2021: Financial Inclusion, Digital

Payments, and Resilience in the Age of COVID-19. – Washington, DC: World Bank, 2022. // https://www.worldbank.org

International Monetary Fund. World Economic Outlook, April 2024: Steady but Slow: Resilience amid Divergence.

Chapter 2: Feeling the Pinch? Tracing the Effects of Monetary Policy through Housing Markets. – Washington, DC:

IMF, 2024. // https://www.imf.org

International Monetary Fund. Global Financial Stability Report. – Washington, DC: IMF, 2024. // https://www.imf.org

Organisation for Economic Co-operation and Development. Consumer Finance Risk Monitor 2024. – Paris: OECD

Publishing, 2024. // https://www.oecd.org

Asian Development Bank. Annual Report 2024: Solving Complex Challenges Together. – Manila: Asian Development

Bank, 2025. // https://www.adb.org

International Finance Corporation. Responsible Microfinance: Advancing Consumer Protection in Growing Economies.

– Washington, DC: IFC, 2024. // https://www.ifc.org

European Central Bank. The Euro Area Bank Lending Survey. – Frankfurt am Main: European Central Bank, 2025. //

https://www.ecb.europa.eu

Downloads

Published

2026-06-01
Loading...