O‘ZBEKISTONDA OILAVIY TAKAFUL SUG‘URTASINI RIVOJLANTIRISHNING IQTISODIY-IJTIMOIY OMILLARI
DOI:
https://doi.org/10.5281/zenodo.22326845Abstract
Maqolada O‘zbekistonda oilaviy takaful (islomiy hayot) sug‘urtasini rivojlantirishga ta’sir ko‘rsatuvchi iqtisodiy-
ijtimoiy omillar tizimli tahlil qilingan. Tadqiqotda Istiqbolli loyihalar milliy agentligi, Milliy statistika qo‘mitasi, Jahon
banki, BMTTD hamda Islomiy moliyaviy xizmatlar kengashining 2022–2026-yillarga oid ma’lumotlari asosida milliy
sug‘urta bozorining strukturaviy holati baholangan va muallif tomonidan Oilaviy takaful salohiyati indeksi (OTSI) metodikasi
ishlab chiqilgan. To‘rt blok va o‘n ikki indikatordan iborat integral indeks bo‘yicha O‘zbekistonning 2025-yildagi
bahosi 100 balldan 49,3 ballni tashkil etdi. Natijalar demografik-ijtimoiy salohiyat (70,2 ball) bilan iqtisodiy qobiliyat (15,7
ball) o‘rtasida keskin asimmetriya mavjudligini ko‘rsatadi: mamlakatda oilaviy moliyaviy himoyaga bo‘lgan obyektiv ehtiyoj
yuqori bo‘lsa-da, hayot sug‘urtasi penetratsiyasi yalpi ichki mahsulotga nisbatan atigi 0,032 foizni tashkil etadi. Takaful
bo‘yicha maxsus qonunchilikni qabul qilish va aholi xabardorligini oshirish ssenariysida indeks 59,1 ballga ko‘tarilishi
hisob-kitob qilingan. Shu asosda oilaviy takafulni joriy etishning bosqichma-bosqich institutsional yo‘l xaritasi taklif etilgan.
Keywords
oilaviy takaful, islom sug‘urtasi, hayot sug‘urtasi, sug‘urta penetratsiyasi, moliyaviy inklyuzivlik, integral indeks, tabarru’, vakala, shariat nazorati, O‘zbekiston.References
Abdullaev, A., Juliana, J. and Bekimbetova, G. (2023) ‘Investigating the feasibility of Islamic finance in Uzbekistan:
survey results’, Review of Islamic Economics and Finance, 6(1), pp. 63–74. doi:10.17509/rief.v6i1.57013.
Ahnaf, A. and Mardian, S. (2025) ‘The roles of financial literacy level, social media, and religiosity in takaful purchase
intention’, International Journal of Entrepreneurship and Sustainability Studies, 5(1), pp. 1–18. doi:10.31098/ijeass.
v5i1.3061.
Alhammadi, S. (2025) ‘Expanding financial inclusion in Indonesia through takaful: opportunities, challenges and
sustainability’, Journal of Financial Reporting and Accounting, 23(6), pp. 2738–2757. doi:10.1108/JFRA-05-2023-0256.
Asadov, A. and Turaboev, I. (2023) ‘Legal challenges hindering the development of Islamic finance in Uzbekistan’,
Access to Justice in Eastern Europe, 6(4), pp. 129–143. doi:10.33327/AJEE-18-6.4-a000405.
Asadov, A., Turaboev, I. and Yildirim, R. (2024) ‘Prospects of Islamic capital market in Uzbekistan: issues and
challenges’, International Journal of Islamic and Middle Eastern Finance and Management, 17(1), pp. 102–123.
doi:10.1108/IMEFM-04-2022-0145.
BenSaid, Y.R. (2025) ‘Shariah governance and takaful financial performance: the case of listed takaful insurances’,
Journal of Islamic Accounting and Business Research, 16(1), pp. 170–187. doi:10.1108/JIABR-09-2022-0236.
Eurasian Development Bank, Islamic Development Bank Institute and LSEG (2025) The future of Islamic finance in
Central Asia. Almaty: Eurasian Development Bank; Jeddah: IsDB Institute; London: LSEG.
Haroun, A.E.M. and Yusoff, M.E.B. (2025) ‘Is takaful literacy a pathway between micro takaful and poverty reduction
in Sudan?’, International Journal of Academic Research in Business and Social Sciences, 15(1), pp. 769–789.
doi:10.6007/IJARBSS/v15-i1/24536.
ICD and LSEG (2025) Islamic finance development report 2025: 50 years of exponential growth. Jeddah: Islamic
Corporation for the Development of the Private Sector; London: LSEG.
IFSB (2025a) Islamic financial services industry stability report 2025. Kuala Lumpur: Islamic Financial Services Board.
IFSB (2025b) Guidance note on recovery and resolution for takāful undertakings (GN-10). Kuala Lumpur: Islamic
Financial Services Board.
Ishak, N.S., Aliyu, S. and Musthafa, M.A. (2025) ‘Does social capital, financial inclusion and risk behaviour influence
trust in takaful?’, Journal of Islamic Marketing, 16(6), pp. 1544–1572. doi:10.1108/JIMA-04-2024-0162.
Istiqbolli loyihalar milliy agentligi (2026) O‘zbekiston Respublikasi sug‘urta bozorining 2025-yil yakunlari bo‘yicha
umumiy ko‘rsatkichlari. Toshkent: ILMA. Manba: https://napp.uz (murojaat sanasi: 10.08.2026).
Klapper, L., Singer, D., Starita, L. and Norris, A. (2025) The Global Findex database 2025: connectivity and financial
inclusion in the digital economy. Washington, DC: World Bank. doi:10.1596/978-1-4648-2204-9.
Muhammad Zuki, M.F., Abdul Rahim, R.T. and Md Noor, N.S. (2025) ‘Predicting the intention to participate in family
takaful product: a systematic literature review approach’, Ulum Islamiyyah, 37(1), pp. 39–59. doi:10.33102/uij.
vol37no01.647.
Mukhtar, Y.A. and Jallow, C. (2025) ‘Factors influencing consumers’ intention to adopt takaful products in Somalia:
extension of diffusion of innovation theory’, Cogent Business & Management, 12(1), 2543050. doi:10.1080/23311975
.2025.2543050.
Munmun, S., Saha, P. and Hasan, S.M. (2026) ‘Life insurance demand in OECD economies: new insights into
economic, demographic, and social drivers’, Insurance Markets and Companies, 17(1), pp. 51–64. doi:10.21511/
ins.17(1).2026.04.
Nagimova, A.Z. (2023) ‘Islamic finance in Kazakhstan: the view of experts’, Journal of Islamic Accounting and Business
Research, 14(8), pp. 1195–1215. doi:10.1108/JIABR-09-2021-0265.
O‘zbekiston Respublikasi Milliy statistika qo‘mitasi (2026) 2025-yilda O‘zbekiston Respublikasining yalpi ichki
mahsuloti. Toshkent: MSQ. Manba: https://stat.uz (murojaat sanasi: 10.08.2026).
Oʻzbekiston Respublikasi Prezidentining 2026-yil 16-fevraldagi “Mamlakat taraqqiyotining 2030-yilgacha moʻljallangan
ustuvor yoʻnalishlari doirasida islohotlarni izchil davom ettirish va yangi bosqichga olib chiqishning qoʻshimcha choratadbirlari
toʻgʻrisida”gi PF-21-son Farmoni // URL: https://www.lex.uz/uz/docs/-8050769
Oʻzbekiston Respublikasi Prezidentining 2024-yil 1-martdagi “Sugʻurta xizmatlari bozorini yanada rivojlantirishning
kompleks chora-tadbirlari toʻgʻrisida”gi PQ-108-son qarori // URL: https://lex.uz/uz/docs/-6824178
Oʻzbekiston Respublikasining 2026-yil 27-martdagi “Oʻzbekiston Respublikasining ayrim qonun hujjatlariga
Oʻzbekistonda islomiy bank faoliyatini joriy etishga qaratilgan qoʻshimcha va oʻzgartirishlar kiritish toʻgʻrisida”gi O‘RQ-
-son Qonuni // URL: https://lex.uz/en/docs/-8099403
Rahman, M.M. and Khan, I. (2026) ‘Multi-dimensional and contemporary sustainability practices in takaful industry: a
systematic review of Islamic insurance’, Discover Sustainability, 7(1), 700. doi:10.1007/s43621-025-02414-z.
Rapi, K., Priyarsono, D.S., Jahroh, S. and Bakhtiar, T. (2025) ‘The non-monotonic relationship between income and
life insurance demand: a case study of forty-one countries’, Economies, 13(1), 4. doi:10.3390/economies13010004.
Rapi, M.Z.H. and Kassim, S. (2023) ‘Indonesian low-income households’ acceptance of microtakaful in East Java’,
Journal of Islamic Monetary Economics and Finance, 9(4), pp. 637–660. doi:10.21098/jimf.v9i4.1898.
UNDP (2020) Landscaping analysis of Islamic finance instruments in Uzbekistan. J. Imamnazarov tomonidan
tayyorlangan. Toshkent: United Nations Development Programme. Manba: https://www.undp.org/uzbekistan (murojaat
sanasi: 10.08.2026).
UNDP (2024) UNDP is opening new avenues for the takaful insurance. Tashkent: United Nations Development
Programme Uzbekistan. Manba: https://www.undp.org/uzbekistan/press-releases (murojaat sanasi: 10.08.2026).
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.
