COMPARATIVE ANALYSIS OF THE MAIN DIFFERENCES, ADVANTAGES, AND DISADVANTAGES OF CONVENTIONAL AND ISLAMIC BANKING SERVICES

Kenjaeva , Durdona, Кенжаева , Дурдона, Kenjaeva , Durdona

Илғор иқтисодиёт ва педагогик технологиялар · 2026-yil

Annotatsiya

This article provides a comparative analysis of the economic nature, operating principles, advantages, and disadvantages of conventional and Islamic banking services. The study examines financing mechanisms, income generation methods, risk management approaches, and customer relationship models in both banking systems. In addition, the global market shares of conventional and Islamic finance, development trends, and the structural composition of the Islamic finance industry are analyzed based on statistical data. A SWOT analysis is employed to identify the strengths, weaknesses, opportunities, and threats of both banking models. The findings indicate that the conventional financial system continues to dominate the global financial market, while Islamic finance demonstrates rapid growth and increasing demand for Shariah-compliant financial services. Based on the research findings, scientific and practical recommendations are proposed for the development of Islamic banking services within the banking system of the Republic of Uzbekistan.

Maqola ma’lumotlari
MualliflarKenjaeva , Durdona, Кенжаева , Дурдона, Kenjaeva , Durdona
JurnalИлғор иқтисодиёт ва педагогик технологиялар
Nashr sanasi2026-08-12
Jild3
Son4
Betlar230-237
TilO‘zbek
DOI10.60078/3060-4842-2026-vol3-iss4-pp230-237

Kalit so‘zlar

conventional banking, Islamic banking, Islamic finance, banking services, murabaha, musharakah, mudarabah, ijarah, sukuk, interest-free financing, risk sharing, financial inclusion, традиционный банк, исламский банк, исламские финансы, банковские услуги, мурабаха, мушарака, мудараба, иджара, сукук, беспроцентное финансирование, распределение рисков, финансовая инклюзивность, an’anaviy bank, islomiy bank, islom moliyasi, bank xizmatlari, murobaha, mushoraka, mudoraba, ijara, sukuk, foizsiz moliyalashtirish, risklarni taqsimlash, moliyaviy inklyuzivlik

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