Oʻzbekistonda aholi kreditlari foiz stavkalari tahlili

Bobojonova Sevara Baxrombek qizi

Marketing · 2026-yil

Annotatsiya

This article examines the relationship between local currency commercial lending rates for individuals in Uzbekistan and the policy rate, time deposit rate and annual inflation. The data exclude preferential loans, microloans and credit cards. The study uses 80 monthly Central Bank observations from January 2020 to August 2026. A dynamic regression in first differences with one lag is estimated using Newey–West standard errors. Holding other factors constant, a one percentage point policy rate change is associated with a cumulative two-month lending rate change of 0.786 percentage points. The positive deposit rate association loses statistical significance when 2020 is excluded. A separate short-term association with inflation is not established. The policy rate result is sensitive to individual decision periods. Funding costs, credit product composition and risk expenses should be distinguished in loan pricing. The estimates describe conditional associations, not causal effects or long-run pass-through coefficients.

Maqola ma’lumotlari
MualliflarBobojonova Sevara Baxrombek qizi
JurnalMarketing
NashriyotТошкент давлат иқтисодиёт университети
ISSN3060-4621
Nashr sanasi2026-10-15
Son10
Betlar97-107
TilO‘zbek
Ilmiy sohaIqtisodiyot
DOI10.67668/mj/2026iss10/2192
Indeksga qo‘shilgan2026-10-18

DOI: 10.67668/mj/2026iss10/2192 · Maqolaning asl sahifasi

Kalit so‘zlar

kredit foiz stavkasi, asosiy stavka, depozit, inflyatsiya, foiz transmissiyasi, dinamik regressiya, kredit narxi, кредитная ставка, основная ставка, депозит, инфляция, процентная трансмиссия, динамическая регрессия, цена кредита, lending rate, policy rate, deposit, inflation, interest rate transmission, dynamic regression, loan pricing

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APABobojonova Sevara Baxrombek qizi (2026). OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI. Marketing, (10), 97-107. https://doi.org/10.67668/mj/2026iss10/2192
GOST (OAK)Bobojonova Sevara Baxrombek qizi OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI // Marketing. – 2026. – № 10. – B. 97-107. – DOI: 10.67668/mj/2026iss10/2192.
MLABobojonova Sevara Baxrombek qizi. “OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI.” Marketing, (10), 97-107, 2026. https://doi.org/10.67668/mj/2026iss10/2192
ChicagoBobojonova Sevara Baxrombek qizi. “OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI.” Marketing, (10), 97-107 (2026). https://doi.org/10.67668/mj/2026iss10/2192
HarvardBobojonova Sevara Baxrombek qizi (2026) ‘OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI’, Marketing, (10), 97-107. https://doi.org/10.67668/mj/2026iss10/2192
BibTeX
@article{bobojonovasevarabaxrombekqizi2026,
  title = {OʻZBEKISTONDA AHOLI KREDITLARI FOIZ STAVKALARI TAHLILI},
  author = {Bobojonova Sevara Baxrombek qizi},
  journal = {Marketing},
  year = {2026},
  number = {10},
  pages = {97-107},
  doi = {10.67668/mj/2026iss10/2192},
  url = {https://doi.org/10.67668/mj/2026iss10/2192}
}

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