In this article, the factors affecting the level of problem loans are studied. Many factors such as macroeconomic, financial, social, and personal factors are discussed in the analysis. Macroeconomic conditions, especially inflation, unemployment, and credit rates, credit problems will have a big impact on the level. Also, the credit policies of financial institutions and the low level of financial literacy may also have a negative effect on the ability of credit borrowers to repay their debts. Social factors, for example, people not being able to accurately assess their financial situation or not being well prepared for economic shocks, cause the level of problem loans to increase. Personal factors, including the borrower's ability to make rational financial decisions, personal past economic experience, or problems related to forgotten obligations play a large role.
| Mualliflar | Saidov , Hayatjon, Сaидoв , Ҳaётжoн, Сaидoв , Ҳaётжoн |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2025-01-31 |
| Jild | 3 |
| Son | 1 |
| Betlar | 387-393 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss1-pp387-393 |
DOI: 10.60078/2992-877x-2025-vol3-iss1-pp387-393 · Maqolaning asl sahifasi
прoблемные кредиты, урoвень кредитoспoсoбнoсти, фaктoры влияния, бaнкoвский сектoр, финaнсoвый aнaлиз, экoнoмическaя устoйчивoсть, упрaвление рискaми, кредит, кредитнaя пoлитикa, инфляция, рефинaнсирoвaние, стaвки, финaнсoвaя устoйчивoсть, кредитный пoртфель, стaтус дoлжникa, credit, credit level, influencing factors, banking sector, financial analysis, economic stability, risk management, credit policies, inflation, refinancing, rates, financial stability, credit portfolios, borrowers’ status, муaммoли кредитлaр, кредит дaрaжaси, тaъсир этувчи oмиллaр, бaнк сектoри, мoлиявий тaхлил, иқтисoдий бaрқaрoрлик, рисклaрни бoшқaриш, кредит, кредит сиёсaтлaри, инфлaтция, қaйтa мoлиявий кўмaк, стaвкaлaр, мoлиявий бaрқaрoрлик, кредит пoртфели, қaрздoрлaр ҳолaти
The article presents a comprehensive analysis of strategies for the formation and development of human capital in economically developed countries. Key factors determining the level of human capital are examined…
Economic security is a key element of sustainable development, especially in the context of global changes associated with the transition to a «green economy». In the Republic of Uzbekistan, this process is becoming…
In the article, the reasons for the slow development of the republic's desert-pasture animal husbandry and the factors of sustainable development, in particular, issues such as strengthening the feed base, optimizing…
Рақамли трансформация замонавий бизнеснинг ажралмас қисмига айланяпти ва сунъий интеллектни (СИ) компания жараёнларига жорий этиш самарадорликни ошириш учун янги имкониятлар яратади. Аммо маълумотлар ҳажмининг ўсиши…
The article highlights the favorable conditions established for the growth of small business and private entreprenurship in New Uzbekistan and provides recommendations for further advancing this sector.
This article examines the role of investment portfolio management in the effective management of bank financial resources, the state of investment portfolios of commercial banks and their impact on asset liquidity…
This article analyzes the main directions for fundamentally improving the investment climate in Uzbekistan. In particular, it emphasizes the importance of such factors as strengthening and stabilizing the legislative…
There is a need to implement targeted and long-term work to reduce the unemployment rate, ensure effective employment, improve the living standards of the population, organize a labor market that is adaptable to today's…
This article analyzes the issues of reducing the scale of the shadow economy through digitalization. The implementation and development of electronic payment systems, as well as proposed measures to reduce the shadow…
The article presents scientific proposals and practical recommendations for the formation of accounting policy in the Republic on the basis of the requirements of international standards of financial reporting…