Prospects for using islamic fintech technologies in small business financing in Uzbekistan

Toshxo‘jayev , Abduqodirxon

Innovation science and technologiy · 2026-yil

Annotatsiya

The article explores the prospects of applying Islamic fintech technologies to small-business financing inUzbekistan. While global Islamic fintech transactions were estimated at USD 198 billion in 2024/25 and are projected to reachUSD 341 billion by 2029, three enabling conditions have emerged in Uzbekistan: the 2026 law introducing Islamic bankingtogether with tax neutrality, broad mobile-banking penetration, and strong latent demand from entrepreneurs who avoidconventional credit for religious reasons. Based on the GIFT and IFDI reports, an analysis of national regulations and the IMANplatform case study, the paper identifies the Islamic fintech business models suited to small-business financing (halal BNPL,mudaraba platforms, digital sukuk, BaaS-based Islamic windows, marketplace-embedded financing), proposes a technologymodel, and substantiates the implementation barriers and their national solutions.

Maqola ma’lumotlari
MualliflarToshxo‘jayev , Abduqodirxon
JurnalInnovation science and technologiy
NashriyotТошкент давлат иқтисодиёт университети
Nashr sanasi2026-07-01
Jild2
Son7
Betlar44-50
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.21339281
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.21339281 · Maqolaning asl sahifasi

Kalit so‘zlar

Islamic fintech, small business, murabaha, mudaraba, sukuk, halal BNPL, digital platform, financial inclusion, Uzbekistan.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAToshxo‘jayev , Abduqodirxon (2026). PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN. Innovation science and technologiy, 2(7), 44-50. https://doi.org/10.5281/zenodo.21339281
GOST (OAK)Toshxo‘jayev , Abduqodirxon PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN // Innovation science and technologiy. – 2026. – T. 2, № 7. – P. 44-50. – DOI: 10.5281/zenodo.21339281.
MLAToshxo‘jayev , Abduqodirxon. “PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN.” Innovation science and technologiy, 2(7), 44-50, 2026. https://doi.org/10.5281/zenodo.21339281
ChicagoToshxo‘jayev , Abduqodirxon. “PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN.” Innovation science and technologiy, 2(7), 44-50 (2026). https://doi.org/10.5281/zenodo.21339281
HarvardToshxo‘jayev , Abduqodirxon (2026) ‘PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN’, Innovation science and technologiy, 2(7), 44-50. https://doi.org/10.5281/zenodo.21339281
BibTeX
@article{toshxojayevabduqodirxon2026,
  title = {PROSPECTS FOR USING ISLAMIC FINTECH TECHNOLOGIES IN SMALL BUSINESS FINANCING IN UZBEKISTAN},
  author = {Toshxo‘jayev , Abduqodirxon},
  journal = {Innovation science and technologiy},
  year = {2026},
  volume = {2},
  number = {7},
  pages = {44-50},
  doi = {10.5281/zenodo.21339281},
  url = {https://doi.org/10.5281/zenodo.21339281}
}

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