Oʻzbekistonda jismoniy shaxslarni kreditlash holati va tendensiyalari

Bobojonova Sevara Baxrombek qizi

Marketing · 2026-yil

Annotatsiya

The article examined lending to individuals in Uzbekistan from early 2020 to September 2026. Central Bank statistics supported calculations of portfolio shares, nominal growth rates, and product contributions to portfolio expansion. Bank specialization, regional distribution, and borrowers’ repayment capacity were compared. The growing role of individual lending was identified alongside differences across products and banks. Classification changes and the distinction between outstanding balances and new disbursements were emphasized. Recommendations addressed product monitoring, comprehensive debt burden assessment, and regional service development. The descriptive comparative study did not estimate regulatory causal effects. Findings supported aligning lending practices with bank strategies and borrowers’ repayment capacity.

Maqola ma’lumotlari
MualliflarBobojonova Sevara Baxrombek qizi
JurnalMarketing
NashriyotТошкент давлат иқтисодиёт университети
ISSN3060-4621
Nashr sanasi2026-08-30
Son8
Betlar634-642
TilO‘zbek
Ilmiy sohaIqtisodiyot
DOI10.67668/mj/2026iss8/2190
Indeksga qo‘shilgan2026-10-18

DOI: 10.67668/mj/2026iss8/2190 · Maqolaning asl sahifasi

Kalit so‘zlar

jismoniy shaxslarni kreditlash, chakana kreditlash, kredit portfeli, tarkibiy oʻzgarishlar, banklar ixtisoslashuvi, ipoteka, mikroqarzlar, qarz yuki, hududiy taqsimot, кредитование физических лиц, розничное кредитование, кредитный портфель, структурные изменения, специализация банков, ипотека, микрозаймы, долговая нагрузка, региональное распределение, lending to individuals, retail lending, loan portfolio, structural changes, bank specialization, mortgages, microloans, debt burden, regional distribution

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APABobojonova Sevara Baxrombek qizi (2026). OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI. Marketing, (8), 634-642. https://doi.org/10.67668/mj/2026iss8/2190
GOST (OAK)Bobojonova Sevara Baxrombek qizi OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI // Marketing. – 2026. – № 8. – B. 634-642. – DOI: 10.67668/mj/2026iss8/2190.
MLABobojonova Sevara Baxrombek qizi. “OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI.” Marketing, (8), 634-642, 2026. https://doi.org/10.67668/mj/2026iss8/2190
ChicagoBobojonova Sevara Baxrombek qizi. “OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI.” Marketing, (8), 634-642 (2026). https://doi.org/10.67668/mj/2026iss8/2190
HarvardBobojonova Sevara Baxrombek qizi (2026) ‘OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI’, Marketing, (8), 634-642. https://doi.org/10.67668/mj/2026iss8/2190
BibTeX
@article{bobojonovasevarabaxrombekqizi2026,
  title = {OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI},
  author = {Bobojonova Sevara Baxrombek qizi},
  journal = {Marketing},
  year = {2026},
  number = {8},
  pages = {634-642},
  doi = {10.67668/mj/2026iss8/2190},
  url = {https://doi.org/10.67668/mj/2026iss8/2190}
}

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