Theoretical foundations of factors influencing the emergence of non-performing loans in commercial banks

Salixova , Go‘zal, Салихова , Гузал, Salixova , Go‘zal

Иқтисодий тараққиёт ва таҳлил · 2025-yil

Annotatsiya

This article highlights the factors contributing to the emergence of non-performing loans in commercial banks and their impact on the quality of bank assets. The study systematically analyzes the micro and macro factors leading to the formation of non-performing loans. In addition, strategies aimed at the effective management of non-performing loans and the mitigation of their negative consequences are examined. The article emphasizes that the increase in non-performing loans directly undermines the financial stability and profitability of banks. Therefore, the role of specialized departments, the assessment of borrowers’ financial condition, and restructuring mechanisms are of crucial importance in managing such loans.

Maqola ma’lumotlari
MualliflarSalixova , Go‘zal, Салихова , Гузал, Salixova , Go‘zal
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2025-10-31
Jild3
Son10
Betlar184-189
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2025-vol3-iss10-pp184-189
Indeksga qo‘shilgan2026-08-27

DOI: 10.60078/2992-877x-2025-vol3-iss10-pp184-189 · Maqolaning asl sahifasi

Kalit so‘zlar

non-performing loans, commercial banks, credit risk, loan portfolio, проблемные кредиты, коммерческие банки, кредитный риск, кредитный портфель, muammoli kreditlar, tijorat banklari, kredit riski, kredit portfeli

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APASalixova , Go‘zal, Салихова , Гузал, & Salixova , Go‘zal (2025). THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS. Иқтисодий тараққиёт ва таҳлил, 3(10), 184-189. https://doi.org/10.60078/2992-877x-2025-vol3-iss10-pp184-189
GOST (OAK)Salixova , Go‘zal, Салихова , Гузал, Salixova , Go‘zal THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS // Иқтисодий тараққиёт ва таҳлил. – 2025. – T. 3, № 10. – P. 184-189. – DOI: 10.60078/2992-877x-2025-vol3-iss10-pp184-189.
MLASalixova , Go‘zal, Салихова , Гузал, and Salixova , Go‘zal. “THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS.” Иқтисодий тараққиёт ва таҳлил, 3(10), 184-189, 2025. https://doi.org/10.60078/2992-877x-2025-vol3-iss10-pp184-189
ChicagoSalixova , Go‘zal, Салихова , Гузал, and Salixova , Go‘zal. “THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS.” Иқтисодий тараққиёт ва таҳлил, 3(10), 184-189 (2025). https://doi.org/10.60078/2992-877x-2025-vol3-iss10-pp184-189
HarvardSalixova , Go‘zal, Салихова , Гузал, and Salixova , Go‘zal (2025) ‘THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS’, Иқтисодий тараққиёт ва таҳлил, 3(10), 184-189. https://doi.org/10.60078/2992-877x-2025-vol3-iss10-pp184-189
BibTeX
@article{salixovagozal2025,
  title = {THEORETICAL FOUNDATIONS OF FACTORS INFLUENCING THE EMERGENCE OF NON-PERFORMING LOANS IN COMMERCIAL BANKS},
  author = {Salixova , Go‘zal and Салихова , Гузал and Salixova , Go‘zal},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2025},
  volume = {3},
  number = {10},
  pages = {184-189},
  doi = {10.60078/2992-877x-2025-vol3-iss10-pp184-189},
  url = {https://doi.org/10.60078/2992-877x-2025-vol3-iss10-pp184-189}
}

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