QISHLOQ XO‘JALIGINI MOLIYALASHTIRISHDA RAQAMLI TEXNOLOGIYALAR VA AXBOROT TIZIMLARINI JORIY ETISH ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.22774153Abstract
Mazkur maqolada qishloq xo‘jaligini moliyalashtirish tizimida raqamli texnologiyalar va axborot tizimlaridan
foydalanishning zamonaviy imkoniyatlari hamda istiqbolli yo‘nalishlari tadqiq etilgan. Qishloq xo‘jaligi subyektlarining moliyaviy
resurslarga bo‘lgan ehtiyojini aniqlash, kreditlash jarayonlarini takomillashtirish, investitsiya mablag‘laridan samarali
foydalanish va moliyaviy xavflarni kamaytirishda raqamli yechimlarning o‘rni ilmiy jihatdan asoslangan. Shuningdek,
elektron kredit platformalari, raqamli to‘lov tizimlari, masofaviy monitoring, katta ma’lumotlar texnologiyasi, sun’iy intellekt
va bulutli axborot tizimlarining agrar moliyalashtirish samaradorligiga ta’siri tahlil qilingan. Tadqiqotda raqamlashtirish
orqali fermer xo‘jaliklarining moliyaviy holatini tezkor baholash, kredit olish imkoniyatlarini kengaytirish, mablag‘larning
maqsadli sarflanishini nazorat qilish va moliyaviy shaffoflikni oshirish imkoniyatlari ko‘rib chiqilgan. Bundan tashqari, qishloq
xo‘jaligida raqamli moliyaviy infratuzilmani rivojlantirishga to‘sqinlik qilayotgan texnologik, institutsional va tashkiliy
omillar aniqlanib, ularni bartaraf etish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan
Keywords
raqamli texnologiyalar, qishloq xo‘jaligi, moliyalashtirish, axborot tizimlari, raqamli kreditlash, fermer xo‘jaliklari, sun’iy intellekt, moliyaviy monitoring.References
Trendov, N. M., Varas, S., & Zeng, M. (2019). Digital technologies in agriculture and rural areas: Status report. Food
and Agriculture Organization of the United Nations.
Food and Agriculture Organization of the United Nations. (2022). The State of Food and Agriculture 2022: Leveraging
agricultural automation for transforming agrifood systems. FAO. https://doi.org/10.4060/cb9479en
Lowenberg-DeBoer, J. (2022). Economics of adoption for digital automated technologies in agriculture (FAO Agricultural
Development Economics Working Paper No. 22-10). Food and Agriculture Organization of the United Nations. https://
doi.org/10.4060/cc2624en
McCampbell, M. (2022). Agricultural digitalization and automation in low- and middle-income countries: Evidence
from ten case studies (FAO Agricultural Development Economics Technical Study No. 25). Food and Agriculture
Organization of the United Nations. https://doi.org/10.4060/cc2914en
Batista, C., & Vicente, P. C. (2020). Improving access to credit through information and mobile communication:
Experimental evidence from rural Africa. World Development, 127, 104740. https://doi.org/10.1016/j.
worlddev.2019.104740
Asuming, P. O., & Frempong, R. (2023). Mobile money, financial inclusion and credit market development in Sub-
Saharan Africa: Evidence from a VEC model. African Journal of Economic and Management Studies, 14(2), 289–308.
https://doi.org/10.1108/AJEMS-04-2022-0158
Prodhan, M. M. H., Jalal, M. J. E., Alam, H., Mostofa, M. S., Khondker, B. H., & Khan, M. A. (2024). State and
potential of digital financial services among farmers in Bangladesh: An in-depth study. Journal of Agriculture and Food
Research, 16, 101209. https://doi.org/10.1016/j.jafr.2024.101209
Agricultural transformation in the digital age: Digital inclusive finance and the development of new agricultural business
entities. (2025). Finance Research Letters, 72, 106614. https://doi.org/10.1016/j.frl.2024.106614
Chen, C., Peng, R., Li, X., & Ye, F. (2026). The impact of digital technology use on farmers’ credit behavior: Empirical
evidence from China. Humanities and Social Sciences Communications, 13, 735. https://doi.org/10.1057/s41599-026-
-4
Assi, Y. F., Yao, K. A., Soro, K., & Asongu, S. (2026). Effect of information and communication technologies on agricultural
credit in sub-Saharan Africa. African Journal of Economic and Management Studies. https://doi.org/10.1108/AJEMS-
-2025-0503
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.
