The impact of economic policy on non-performing loans: the case of Uzbekistan

Jalalov , Mashkhurbek

Яшил иқтисодиёт ва тараққиёт · 2025-yil

Annotatsiya

This study investigates the impact of economic policy variables on non-performing loans (NPLs) in Uzbekistan’sbanking sector using panel data regression analysis. The empirical results reveal that a tighter monetary policy andstronger financial supervision significantly reduce NPLs, while expansionary fiscal policy, exchange rate volatility, andhigh credit-to-deposit ratios contribute to their increase. Additionally, macroeconomic stability indicators such as GDPgrowth and bank-specific factors like return on assets (ROA) and bank size are found to play a crucial role in determiningNPL dynamics. These findings suggest that coordinated macroeconomic and regulatory policies are essential for ensuringfinancial stability and improving credit quality in the banking sector. Policy recommendations emphasize the need forprudent monetary and fiscal policies, enhanced risk management, and stronger supervisory frameworks to mitigate creditrisks and support sustainable financial development in Uzbekistan

Maqola ma’lumotlari
MualliflarJalalov , Mashkhurbek
JurnalЯшил иқтисодиёт ва тараққиёт
NashriyotТошкент давлат иқтисодиёт университети
ISSN2992-8982
Nashr sanasi2025-08-01
Jild3
Son8
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.16777866
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.16777866 · Maqolaning asl sahifasi

Kalit so‘zlar

non-performing loans, monetary policy, fiscal policy, financial supervision, economic growth, exchange rate volatility, banking sector, Uzbekistan, credit risk, financial stability

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAJalalov , Mashkhurbek (2025). The impact of economic policy on non-performing loans: the case of Uzbekistan. Яшил иқтисодиёт ва тараққиёт, 3(8). https://doi.org/10.5281/zenodo.16777866
GOST (OAK)Jalalov , Mashkhurbek The impact of economic policy on non-performing loans: the case of Uzbekistan // Яшил иқтисодиёт ва тараққиёт. – 2025. – T. 3, № 8. – DOI: 10.5281/zenodo.16777866.
MLAJalalov , Mashkhurbek. “The impact of economic policy on non-performing loans: the case of Uzbekistan.” Яшил иқтисодиёт ва тараққиёт, 3(8), 2025. https://doi.org/10.5281/zenodo.16777866
ChicagoJalalov , Mashkhurbek. “The impact of economic policy on non-performing loans: the case of Uzbekistan.” Яшил иқтисодиёт ва тараққиёт, 3(8) (2025). https://doi.org/10.5281/zenodo.16777866
HarvardJalalov , Mashkhurbek (2025) ‘The impact of economic policy on non-performing loans: the case of Uzbekistan’, Яшил иқтисодиёт ва тараққиёт, 3(8). https://doi.org/10.5281/zenodo.16777866
BibTeX
@article{jalalovmashkhurbek2025,
  title = {The impact of economic policy on non-performing loans: the case of Uzbekistan},
  author = {Jalalov , Mashkhurbek},
  journal = {Яшил иқтисодиёт ва тараққиёт},
  year = {2025},
  volume = {3},
  number = {8},
  doi = {10.5281/zenodo.16777866},
  url = {https://doi.org/10.5281/zenodo.16777866}
}

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