The economic essence of the performance efficiency of islamic financial institutions

Qaxramonova, Gulandom, Кахрамонова , Гуландом, Qaxramonova , Gulandom

Иқтисодий тараққиёт ва таҳлил · 2026-yil

Annotatsiya

This article examines the economic essence of the performance efficiency of Islamic financial institutions, their role in the modern financial system, and their significance in financing the real sector of the economy. The paper analyses the fundamental principles of Islamic finance, including the prohibition of riba, gharar and maysir, the reliance of financial transactions on real assets, the equitable distribution of profit and loss, and the compliance of financial operations with Shariah requirements. Particular attention is paid to the economic content, operational mechanisms, risk characteristics and profitability potential of Islamic financial instruments such as musharakah, mudarabah, murabahah, ijarah, salam, istisna, sukuk, qard hasan and takaful. The study substantiates the role of Islamic financial institutions in expanding financial inclusion, supporting small and medium-sized enterprises, financing investment projects and reducing systemic financial risks. The AAOIFI and IFSB international standards are considered important methodological foundations for the legal, accounting and prudential regulation of Islamic financial institutions. The article argues that the efficiency of Islamic financial instruments is reflected in their ability to distribute risks fairly, ensure asset-backed financing, strengthen social responsibility and contribute to sustainable economic development.

Maqola ma’lumotlari
MualliflarQaxramonova, Gulandom, Кахрамонова , Гуландом, Qaxramonova , Gulandom
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2026-05-25
Jild4
Son5
Betlar136-143
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2026-vol4-iss5-pp136-143
Indeksga qo‘shilgan2026-08-27

DOI: 10.60078/2992-877x-2026-vol4-iss5-pp136-143 · Maqolaning asl sahifasi

Kalit so‘zlar

Islamic finance, Islamic financial institutions, efficiency, riba, gharar, maysir, musharakah, mudarabah, murabahah, ijarah, salam, исламские финансы, исламские финансовые организации, эффективность, риба, гарар, майсир, мушарака, мудараба, мурабаха, иджара, салам, islom moliyasi, islom moliya tashkilotlari, samaradorlik, ribo, g‘arar, maysir, mushoraka, mudoraba, murobaha, ijara, salam

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAQaxramonova, Gulandom, Кахрамонова , Гуландом, & Qaxramonova , Gulandom (2026). THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS. Иқтисодий тараққиёт ва таҳлил, 4(5), 136-143. https://doi.org/10.60078/2992-877x-2026-vol4-iss5-pp136-143
GOST (OAK)Qaxramonova, Gulandom, Кахрамонова , Гуландом, Qaxramonova , Gulandom THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS // Иқтисодий тараққиёт ва таҳлил. – 2026. – T. 4, № 5. – P. 136-143. – DOI: 10.60078/2992-877x-2026-vol4-iss5-pp136-143.
MLAQaxramonova, Gulandom, Кахрамонова , Гуландом, and Qaxramonova , Gulandom. “THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS.” Иқтисодий тараққиёт ва таҳлил, 4(5), 136-143, 2026. https://doi.org/10.60078/2992-877x-2026-vol4-iss5-pp136-143
ChicagoQaxramonova, Gulandom, Кахрамонова , Гуландом, and Qaxramonova , Gulandom. “THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS.” Иқтисодий тараққиёт ва таҳлил, 4(5), 136-143 (2026). https://doi.org/10.60078/2992-877x-2026-vol4-iss5-pp136-143
HarvardQaxramonova, Gulandom, Кахрамонова , Гуландом, and Qaxramonova , Gulandom (2026) ‘THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS’, Иқтисодий тараққиёт ва таҳлил, 4(5), 136-143. https://doi.org/10.60078/2992-877x-2026-vol4-iss5-pp136-143
BibTeX
@article{qaxramonovagulandom2026,
  title = {THE ECONOMIC ESSENCE OF THE PERFORMANCE EFFICIENCY OF ISLAMIC FINANCIAL INSTITUTIONS},
  author = {Qaxramonova, Gulandom and Кахрамонова , Гуландом and Qaxramonova , Gulandom},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2026},
  volume = {4},
  number = {5},
  pages = {136-143},
  doi = {10.60078/2992-877x-2026-vol4-iss5-pp136-143},
  url = {https://doi.org/10.60078/2992-877x-2026-vol4-iss5-pp136-143}
}

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