This article examines how financial stability in agriculture can be enhanced through the integration of budgetary, insurance and banking mechanisms of agricultural financing. The main purpose of the study is to assess the synergistic effect of combining government budget support, agricultural insurance and commercial bank lending in the context of Uzbekistan’s rural sector. The methodological framework includes a literature review, correlation and regression analysis, an insurance pricing model, credit risk analysis and the assessment of a farm capitalization index. The empirical database is built using statistics from international organizations such as the IMF, FAO, World Bank and OECD, as well as official data from Uzbekistan. The results show that higher public agricultural expenditure reduces the volatility of agricultural growth, expanded insurance coverage improves farmers’ access to credit, and insured loans exhibit significantly lower default probabilities. The relatively low farm capitalization index indicates that Uzbekistan’s agricultural sector is undercapitalized and constrained in terms of long-term investments. The authors argue that the integrated use of budgetary support, insurance schemes and bank lending should be viewed as a strategic direction for strengthening financial stability in agriculture and propose practical policy recommendations for agricultural and financial authorities.
| Mualliflar | Imomov , Rustam, Имомов , Рустам, Imomov , Rustam |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2025-11-28 |
| Jild | 3 |
| Son | 11 |
| Betlar | 62-69 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss11-pp62-69 |
DOI: 10.60078/2992-877x-2025-vol3-iss11-pp62-69 · Maqolaning asl sahifasi
agricultural financing, financial stability, budgetary subsidies, agricultural insurance, bank lending, credit risk, capitalization index, финансирование сельского хозяйства, финансовая устойчивость, бюджетные субсидии, сельскохозяйственное страхование, банковское кредитование, кредитный риск, индекс капитализации, qishloq xo‘jaligini moliyalashtirish, moliyaviy barqarorlik, byudjet subsidiyalari, qishloq xo‘jaligi sug‘urtasi, bank kreditlash, kredit xavfi, kapitalizatsiya indeksi
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