This article analyzes the current state of the credit system for small and medium-sized enterprises (SMEs) in Uzbekistan. Based on international experience and empirical research, the main constraints in SME financing are identified. The paper proposes strategic measures aimed at developing credit information infrastructure, introducing collateral-free lending mechanisms, promoting digital financing tools, and strengthening public guarantee schemes.
| Mualliflar | Umarova , Iroda, Умарова , Ирода, Umarova , Iroda |
|---|---|
| Jurnal | Илғор иқтисодиёт ва педагогик технологиялар |
| Nashriyot | Тошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази |
| ISSN | 1994-2025 |
| Nashr sanasi | 2025-04-08 |
| Jild | 2 |
| Son | 2 |
| Betlar | 348-352 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/3060-4842-2025-vol2-iss2-pp348-352 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.60078/3060-4842-2025-vol2-iss2-pp348-352 · Maqolaning asl sahifasi
small and medium-sized enterprises, credit system, financial inclusion, collateral policy, digital financing, малый и средний бизнес, система кредитования, финансовая инклюзия, залоговая политика, цифровое финансирование, kichik va o‘rta biznes, kreditlash tizimi, moliyaviy inklyuziya, garov siyosati, raqamli moliyalashtirish
| APA | Umarova , Iroda, Умарова , Ирода, & Umarova , Iroda (2025). DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN. Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 348-352. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp348-352 |
|---|---|
| GOST (OAK) | Umarova , Iroda, Умарова , Ирода, Umarova , Iroda DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN // Илғор иқтисодиёт ва педагогик технологиялар. – 2025. – T. 2, № 2. – P. 348-352. – DOI: 10.60078/3060-4842-2025-vol2-iss2-pp348-352. |
| MLA | Umarova , Iroda, Умарова , Ирода, and Umarova , Iroda. “DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 348-352, 2025. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp348-352 |
| Chicago | Umarova , Iroda, Умарова , Ирода, and Umarova , Iroda. “DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 348-352 (2025). https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp348-352 |
| Harvard | Umarova , Iroda, Умарова , Ирода, and Umarova , Iroda (2025) ‘DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN’, Илғор иқтисодиёт ва педагогик технологиялар, 2(2), 348-352. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp348-352 |
| BibTeX | @article{umarovairoda2025,
title = {DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN},
author = {Umarova , Iroda and Умарова , Ирода and Umarova , Iroda},
journal = {Илғор иқтисодиёт ва педагогик технологиялар},
year = {2025},
volume = {2},
number = {2},
pages = {348-352},
doi = {10.60078/3060-4842-2025-vol2-iss2-pp348-352},
url = {https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp348-352}
} |
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