{"id":2074,"date":"2026-08-20T14:22:57","date_gmt":"2026-08-20T09:22:57","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=2074"},"modified":"2026-08-20T14:22:57","modified_gmt":"2026-08-20T09:22:57","slug":"biznes-subyektlarini-moliyalashtirish-asosida-aholi-bandligini-ta%ca%bcminlash","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=2074","title":{"rendered":"BIZNES SUBYEKTLARINI MOLIYALASHTIRISH ASOSIDA AHOLI BANDLIGINI TA\u02bcMINLASH"},"content":{"rendered":"\n<p><strong>Razikova Nozima Erkin qizi<\/strong><\/p>\n\n\n\n<p><em>xalqaro moliya kafedrasi mustaqil izlanuvchisi<\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em><em> <\/em><a href=\"mailto:\u0410\u0431\u0434\u0443\u043b\u043b\u0430@gmail.com\"><em>razikov<\/em><em>\u0430@gmail.com<\/em><\/a><\/p>\n\n\n\n<p><strong><em>Annotatsiya.<\/em><\/strong><em> Maqolada biznes subyektlarini moliyalashtirish mexanizmlari orqali aholi bandligini ta\u02bcminlash masalalari kompleks tahlil qilingan. Tadqiqotning maqsadi kichik tadbirkorlikni kreditlash hajmi bilan mehnat bozori ko\u02bbrsatkichlari o\u02bbrtasidagi bog\u02bbliqlikni baholash, moliyalashtirishga kirish imkoniyatidagi tanqislikni aniqlash hamda moliyalashtirish tizimini bandlik natijalariga yo\u02bbnaltirish bo\u02bbyicha takliflar ishlab chiqishdan iborat. Rasmiy statistik ma\u02bclumotlar tahlili kichik tadbirkorlik subyektlari yalpi ichki mahsulotning yarmidan ko\u02bbpini (2024-yilda 54,3 %) ishlab chiqarayotganini, 2025-yilda ularga ajratilgan kreditlar hajmi 131,2 trln so\u02bbmga yetib, bir yilda 42 % ga oshganini ko\u02bbrsatdi. Shu bilan birga kichik korxonalarning atigi 10 % i, o\u02bbrta korxonalarning 16 % i kredit oladi, mikro-, kichik va o\u02bbrta biznesning yillik kredit talabi 13 mlrd dollarni tashkil etsa-da, 6 mlrd dollarlik tanqislik saqlanmoqda. Ishsizlik darajasining 2023-yildagi 8,1 % dan 2025-yil uchinchi choragida 4,9 % gacha pasayishi moliyalashtirish dasturlarining kengayishi bilan bir vaqtga to\u02bbg\u02bbri keladi, biroq band aholining 33 % i norasmiy sektorda qolmoqda. Maqolada xorij tajribasi umumlashtirilgan, moliyalashtirishning bandlikka ta\u02bcsirini o\u02bblchash uchun to\u02bbrtta indikator taklif etilgan va kreditlash siyosatini natijaga bog\u02bblash mexanizmi asoslangan.<\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u02bbzlar: <\/em><\/strong><em>biznes subyektlari, moliyalashtirish, aholi bandligi, kichik tadbirkorlik, oilaviy tadbirkorlik, mikrokredit, kredit kafolati, norasmiy bandlik, ish o\u02bbrni, mehnat bozori, natijaga yo\u02bbnaltirilgan kreditlash.<\/em><\/p>\n\n\n\n<p><strong>\u041e\u0411\u0415\u0421\u041f\u0415\u0427\u0415\u041d\u0418\u0415 \u0417\u0410\u041d\u042f\u0422\u041e\u0421\u0422\u0418 \u041d\u0410\u0421\u0415\u041b\u0415\u041d\u0418\u042f \u041d\u0410 \u041e\u0421\u041d\u041e\u0412\u0415 \u0424\u0418\u041d\u0410\u041d\u0421\u0418\u0420\u041e\u0412\u0410\u041d\u0418\u042f \u0421\u0423\u0411\u042a\u0415\u041a\u0422\u041e\u0412 \u0411\u0418\u0417\u041d\u0415\u0421\u0410<\/strong><\/p>\n\n\n\n<p><strong>\u0420\u0430\u0437\u0438\u043a\u043e\u0432\u0430 \u041d\u043e\u0437\u0438\u043c\u0430 \u042d\u0440\u043a\u0438\u043d\u043e\u0432\u043d\u0430<\/strong><\/p>\n\n\n\n<p><em>\u0441\u043e\u0438\u0441\u043a\u0430\u0442\u0435\u043b\u044c \u043a\u0430\u0444\u0435\u0434\u0440\u044b<\/em><\/p>\n\n\n\n<p><em>\u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u044b<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e<\/em><\/p>\n\n\n\n<p><em>\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em><em> <\/em><a href=\"mailto:\u0410\u0431\u0434\u0443\u043b\u043b\u0430@gmail.com\"><em>razikov<\/em><em>\u0430@gmail.com<\/em><\/a><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. <\/em><\/strong><em>\u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u0438 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f \u043f\u043e\u0441\u0440\u0435\u0434\u0441\u0442\u0432\u043e\u043c \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u043e\u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0443\u0431\u044a\u0435\u043a\u0442\u043e\u0432 \u0431\u0438\u0437\u043d\u0435\u0441\u0430. \u0426\u0435\u043b\u044c \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u2014 \u043e\u0446\u0435\u043d\u0438\u0442\u044c \u0432\u0437\u0430\u0438\u043c\u043e\u0441\u0432\u044f\u0437\u044c \u043c\u0435\u0436\u0434\u0443 \u043e\u0431\u044a\u0451\u043c\u0430\u043c\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u043c\u0430\u043b\u043e\u0433\u043e \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0438 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f\u043c\u0438 \u0440\u044b\u043d\u043a\u0430 \u0442\u0440\u0443\u0434\u0430, \u0432\u044b\u044f\u0432\u0438\u0442\u044c \u0434\u0435\u0444\u0438\u0446\u0438\u0442 \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u043a \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u0438 \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u043f\u043e \u043e\u0440\u0438\u0435\u043d\u0442\u0430\u0446\u0438\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0430 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u0438. \u0410\u043d\u0430\u043b\u0438\u0437 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0434\u0430\u043d\u043d\u044b\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u043b, \u0447\u0442\u043e \u0441\u0443\u0431\u044a\u0435\u043a\u0442\u044b \u043c\u0430\u043b\u043e\u0433\u043e \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u043f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u044f\u0442 \u0431\u043e\u043b\u0435\u0435 \u043f\u043e\u043b\u043e\u0432\u0438\u043d\u044b \u0432\u0430\u043b\u043e\u0432\u043e\u0433\u043e \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0435\u0433\u043e \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0430 (54,3 % \u0432 2024 \u0433\u043e\u0434\u0443), \u0430 \u043e\u0431\u044a\u0451\u043c \u0432\u044b\u0434\u0430\u043d\u043d\u044b\u0445 \u0438\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u0432 2025 \u0433\u043e\u0434\u0443 \u0434\u043e\u0441\u0442\u0438\u0433 131,2 \u0442\u0440\u043b\u043d \u0441\u0443\u043c\u043e\u0432, \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0432\u0448\u0438\u0441\u044c \u0437\u0430 \u0433\u043e\u0434 \u043d\u0430 42 %. \u041f\u0440\u0438 \u044d\u0442\u043e\u043c \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u043e\u043b\u0443\u0447\u0430\u044e\u0442 \u043b\u0438\u0448\u044c 10 % \u043c\u0430\u043b\u044b\u0445 \u0438 16 % \u0441\u0440\u0435\u0434\u043d\u0438\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439, \u0430 \u043f\u0440\u0438 \u0433\u043e\u0434\u043e\u0432\u043e\u0439 \u043f\u043e\u0442\u0440\u0435\u0431\u043d\u043e\u0441\u0442\u0438 \u043c\u0438\u043a\u0440\u043e-, \u043c\u0430\u043b\u043e\u0433\u043e \u0438 \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0432 13 \u043c\u043b\u0440\u0434 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432 \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u0435\u0442\u0441\u044f \u0434\u0435\u0444\u0438\u0446\u0438\u0442 \u0432 6 \u043c\u043b\u0440\u0434 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432. \u0421\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u0443\u0440\u043e\u0432\u043d\u044f \u0431\u0435\u0437\u0440\u0430\u0431\u043e\u0442\u0438\u0446\u044b \u0441 8,1 % \u0432 2023 \u0433\u043e\u0434\u0443 \u0434\u043e 4,9 % \u0432 \u0442\u0440\u0435\u0442\u044c\u0435\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2025 \u0433\u043e\u0434\u0430 \u0441\u043e\u0432\u043f\u0430\u0434\u0430\u0435\u0442 \u0441 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435\u043c \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u043e\u0434\u043d\u0430\u043a\u043e 33 % \u0437\u0430\u043d\u044f\u0442\u044b\u0445 \u043e\u0441\u0442\u0430\u044e\u0442\u0441\u044f \u0432 \u043d\u0435\u0444\u043e\u0440\u043c\u0430\u043b\u044c\u043d\u043e\u043c \u0441\u0435\u043a\u0442\u043e\u0440\u0435. \u041e\u0431\u043e\u0431\u0449\u0451\u043d \u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0439 \u043e\u043f\u044b\u0442, \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u044b \u0447\u0435\u0442\u044b\u0440\u0435 \u0438\u043d\u0434\u0438\u043a\u0430\u0442\u043e\u0440\u0430 \u0438\u0437\u043c\u0435\u0440\u0435\u043d\u0438\u044f \u0432\u043b\u0438\u044f\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0430 \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u044c \u0438 \u043e\u0431\u043e\u0441\u043d\u043e\u0432\u0430\u043d \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u043a \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0430\u043c.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430: <\/em><\/strong><em>\u0441\u0443\u0431\u044a\u0435\u043a\u0442\u044b \u0431\u0438\u0437\u043d\u0435\u0441\u0430, \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u044c \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f, \u043c\u0430\u043b\u043e\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e, \u0441\u0435\u043c\u0435\u0439\u043d\u043e\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e, \u043c\u0438\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f, \u043d\u0435\u0444\u043e\u0440\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u044c, \u0440\u0430\u0431\u043e\u0447\u0435\u0435 \u043c\u0435\u0441\u0442\u043e, \u0440\u044b\u043d\u043e\u043a \u0442\u0440\u0443\u0434\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0430\u043c.<\/em><\/p>\n\n\n\n<p><strong>ENSURING POPULATION EMPLOYMENT THROUGH THE FINANCING OF BUSINESS ENTITIES<\/strong><\/p>\n\n\n\n<p><strong>Razikova Nozima Erkin qizi<\/strong><\/p>\n\n\n\n<p><em>Independent Researcher<\/em><\/p>\n\n\n\n<p><em>&nbsp;Department of International Finance<\/em><\/p>\n\n\n\n<p><em>Tashkent State University of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em><em> <\/em><a href=\"mailto:\u0410\u0431\u0434\u0443\u043b\u043b\u0430@gmail.com\"><em>razikov<\/em><em>\u0430@gmail.com<\/em><\/a><\/p>\n\n\n\n<p><strong><em>Abstract<\/em><\/strong><em>.The article provides a comprehensive analysis of employment provision through mechanisms for financing business entities. The study aims to assess the relationship between the volume of lending to small entrepreneurship and labour market indicators, to identify the gap in access to finance, and to develop proposals for reorienting the financing system towards employment outcomes. Analysis of official statistics shows that small entrepreneurship entities generate more than half of gross domestic product (54.3 % in 2024), while lending to them reached 131.2 trillion soums in 2025, an annual increase of 42 %. At the same time, only 10 % of small and 16 % of medium enterprises obtain loans, and against an annual credit demand of USD 13 billion the micro, small and medium business segment faces a shortfall of USD 6 billion. The decline in unemployment from 8.1 % in 2023 to 4.9 % in the third quarter of 2025 coincides with the expansion of financing programmes, yet 33 % of the employed remain in the informal sector. International experience is summarised, four indicators for measuring the employment impact of financing are proposed, and a mechanism for linking credit policy to outcomes is substantiated.<\/em><\/p>\n\n\n\n<p><strong><em>Keywords: <\/em><\/strong><em>business entities, financing, employment, small entrepreneurship, family entrepreneurship, microcredit, credit guarantee, informal employment, job creation, labour market, performance-based lending.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/21.-Razikova-Nozima-Erkin-qizi.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 21. Razikova Nozima Erkin qizi.\"><\/object><a id=\"wp-block-file--media-9ab41d1b-1fdf-43b0-bf6b-4ba74d73ae08\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/21.-Razikova-Nozima-Erkin-qizi.pdf\">21. Razikova Nozima Erkin qizi<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/21.-Razikova-Nozima-Erkin-qizi.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-9ab41d1b-1fdf-43b0-bf6b-4ba74d73ae08\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<p>1. O\u02bbzbekiston Respublikasi Prezidentining 2023-yil 14-sentabrdagi PQ-306-son qarori \u201cKichik biznesni rivojlantirishni moliyaviy va institutsional qo\u02bbllab-quvvatlash chora-tadbirlari to\u02bbg\u02bbrisida\u201d. \u2013 URL: https:\/\/lex.uz\/uz\/docs\/-6609110<\/p>\n\n\n\n<p>2. O\u02bbzbekiston Respublikasi Prezidentining 2023-yil 31-yanvardagi PQ-39-son qarori \u201cOilaviy tadbirkorlikni rivojlantirish dasturlari doirasida aholining biznes tashabbuslarini qo\u02bbllab-quvvatlashni yangi bosqichga olib chiqishga doir qo\u02bbshimcha chora-tadbirlar to\u02bbg\u02bbrisida\u201d. \u2013 URL: https:\/\/lex.uz\/uz\/docs\/-6374137<\/p>\n\n\n\n<p>3. O\u02bbzbekiston Respublikasi Prezidentining 2024-yil 2-apreldagi PQ-149-son qarori \u201cOilaviy tadbirkorlikni rivojlantirish dasturlari doirasida aholining biznes tashabbuslarini moliyalashtirishni takomillashtirishga doir qo\u02bbshimcha chora-tadbirlar to\u02bbg\u02bbrisida\u201d. \u2013 URL: https:\/\/lex.uz\/uz\/docs\/-6862227<\/p>\n\n\n\n<p>4. Schumpeter J.A. The Theory of Economic Development. \u2013 Cambridge: Harvard University Press, 1934. \u2013 255 p.<\/p>\n\n\n\n<p>5. Stiglitz J.E., Weiss A. Credit Rationing in Markets with Imperfect Information \/\/ The American Economic Review. \u2013 1981. \u2013 Vol. 71, \u2116 3. \u2013 P. 393\u2013410.<\/p>\n\n\n\n<p>6. Beck T., Demirg\u00fc\u00e7-Kunt A. Small and medium-size enterprises: Access to finance as a growth constraint \/\/ Journal of Banking &amp; Finance. \u2013 2006. \u2013 Vol. 30, \u2116 11. \u2013 P. 2931\u20132943.<\/p>\n\n\n\n<p>7. Ayyagari M., Demirg\u00fc\u00e7-Kunt A., Maksimovic V. Small vs. Young Firms across the World: Contribution to Employment, Job Creation, and Growth. \u2013 World Bank Policy Research Working Paper \u2116 5631. \u2013 Washington, 2011. \u2013 51 p.<\/p>\n\n\n\n<p>8. Banerjee A., Duflo E., Glennerster R., Kinnan C. The Miracle of Microfinance? Evidence from a Randomized Evaluation \/\/ American Economic Journal: Applied Economics. \u2013 2015. \u2013 Vol. 7, \u2116 1. \u2013 P. 22\u201353.<\/p>\n\n\n\n<p>9. Key Indicators of Small Entrepreneurship in the Republic of Uzbekistan for 2024. \u2013 INVEXI, 2025. \u2013 URL: https:\/\/invexi.org\/press\/key-indicators-of-small-entrepreneurship-in-the-republic-of-uzbekistan-for-2024\/<\/p>\n\n\n\n<p>10. O\u02bbzbekiston Respublikasi Milliy statistika qo\u02bbmitasi. Kichik tadbirkorlik: matbuot relizi. \u2013 Toshkent, 2026. \u2013 URL: https:\/\/stat.uz\/img\/press-relizlar\/kb_uz-12-shriftoxirgi_p77842.pdf<\/p>\n\n\n\n<p>11. Small Business in Uzbekistan Accounts for Over Half of GDP in 2025 \/\/ UzDaily. \u2013 2025. \u2013 URL: https:\/\/www.uzdaily.uz\/en\/small-business-in-uzbekistan-accounts-for-over-half-of-gdp-in-2025\/<\/p>\n\n\n\n<p>12. SME Lending in Uzbekistan Increased by 42 % in 2025 \/\/ UzDaily. \u2013 2026. \u2013 URL: https:\/\/www.uzdaily.uz\/en\/sme-lending-in-uzbekistan-increased-by-42-in-2025\/<\/p>\n\n\n\n<p>13. The microfinance market in Uzbekistan has almost doubled, reaching 66.9 trillion soums \/\/ Frank.uz. \u2013 2025. \u2013 URL: https:\/\/frank.uz\/en\/news-en\/the-microfinance-market-in-uzbekistan-has-almost-doubled-reaching-66-9-trillion-soums\/<\/p>\n\n\n\n<p>14. Improved Access to Finance to Help 7,000 Businesses in Uzbekistan Grow and Create Jobs: press release. \u2013 Washington: World Bank, 2025. \u2013 URL: https:\/\/www.worldbank.org\/en\/news\/press-release\/2025\/12\/15\/improved-access-to-finance-to-help-7000-businesses-in-uzbekistan-grow-and-create-jobs<\/p>\n\n\n\n<p>15. O\u02bbzbekistonda 2025-yil birinchi yarmida ishsizlik darajasi 5,1 foizgacha pasaydi \/\/ Gazeta.uz. \u2013 2025-yil 18-avgust. \u2013 URL: https:\/\/www.gazeta.uz\/oz\/2025\/08\/18\/ishsizlik\/<\/p>\n\n\n\n<p>16. O\u02bbzbekistonda ishsizlik darajasi 5 % dan pasaydi \/\/ Spot.uz. \u2013 2025-yil 13-noyabr. \u2013 URL: https:\/\/www.spot.uz\/oz\/2025\/11\/13\/unemployment\/<\/p>\n\n\n\n<p>17. State banks to secure $1 billion in loans for family entrepreneurship in Uzbekistan \/\/ Gazeta.uz. \u2013 2024-yil 17-dekabr. \u2013 URL: https:\/\/www.gazeta.uz\/en\/2024\/12\/17\/small-business\/<\/p>\n\n\n\n<p>18. Markaziy bank 1-iyundan banklar uchun kichik biznesni kreditlash bo\u02bbyicha talablarni soddalashtiradi \/\/ Spot.uz. \u2013 2025-yil 24-aprel. \u2013 URL: https:\/\/www.spot.uz\/oz\/2025\/04\/24\/small-business<\/p>\n\n\n\n<p>19. Yoshlar va ayol tadbirkorlar loyihalariga 5 trln so\u02bbm yo\u02bbnaltiriladi \/\/ Spot.uz. \u2013 2025-yil 19-mart. \u2013 URL: https:\/\/www.spot.uz\/oz\/2025\/03\/19\/sme-goals<\/p>\n\n\n\n<p>20. Credit guarantee schemes for SMEs: what a global survey reveals \u2014 and what it means for the jobs agenda. \u2013 Washington: World Bank Blogs, 2025. \u2013 URL: https:\/\/blogs.worldbank.org\/en\/psd\/credit-guarantee-schemes-for-smes-what-global-survey-reveals-mea<\/p>\n\n\n\n<p>21. Financing SMEs and Entrepreneurs 2026: An OECD Scoreboard. \u2013 Paris: OECD Publishing, 2026. \u2013 URL: https:\/\/www.oecd.org\/en\/publications\/financing-smes-and-entrepreneurs-2026_075d8058-en.html<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Razikova Nozima Erkin qizi xalqaro moliya kafedrasi mustaqil izlanuvchisi Toshkent davlat iqtisodiyot universiteti E-mail: razikov\u0430@gmail.com Annotatsiya. Maqolada biznes subyektlarini moliyalashtirish mexanizmlari orqali&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2074","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BIZNES SUBYEKTLARINI MOLIYALASHTIRISH ASOSIDA AHOLI BANDLIGINI TA\u02bcMINLASH - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.tsue.uz\/?p=2074\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BIZNES SUBYEKTLARINI MOLIYALASHTIRISH ASOSIDA AHOLI BANDLIGINI TA\u02bcMINLASH - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Razikova Nozima Erkin qizi xalqaro moliya kafedrasi mustaqil izlanuvchisi Toshkent davlat iqtisodiyot universiteti E-mail: razikov\u0430@gmail.com Annotatsiya. 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