Family entrepreneurship plays an important role in the socio-economic development of Uzbekistan by contributingto employment generation, poverty reduction, and balanced regional development. In the context of ongoing economicreforms and structural transformation, the development of family-owned micro and small enterprises (MSEs) has becomea strategic priority for achieving inclusive and sustainable economic growth. Family businesses in Uzbekistan operateacross various sectors, including agriculture, handicrafts, trade, services, and small-scale manufacturing, providingincome opportunities for households and supporting rural development.Despite government initiatives aimed at supporting entrepreneurship through preferential lending and subsidies, accessto affordable financial resources remains a major challenge for family enterprises. Limited collateral, low levels of financialliteracy, insufficient accounting transparency, high interest rates, and complex lending procedures restrict their ability toobtain bank credit. Statistical analysis indicates that although lending to micro and small enterprises has increased inrecent years, the share of long-term investment loans remains relatively low.The study highlights the importance of improving financial accessibility through the expansion of credit guaranteeschemes, the development of risk-based lending models, the promotion of digital financial services, and the strengtheningof entrepreneurial capacity. Enhancing access to bank financing will contribute to improving the sustainability andcompetitiveness of family enterprises and support inclusive economic growth in Uzbekistan
| Mualliflar | Baymuratova , Zina, Ibadullaeva , Asal |
|---|---|
| Jurnal | Муҳандислик ва Иқтисодиёт |
| Nashr sanasi | 2026-03-01 |
| Jild | 4 |
| Son | 3 |
| Til | Ingliz |
family entrepreneurship, family business development, bank financing, access to credit, micro and small enterprises (MSEs), credit guarantee schemes, financial inclusion, Uzbekistan
Ushbu maqolada davlat boshqaruv tizimlarini raqamlashtirish jarayonida sun’iy intellekt (SI) texnologiyalaridanfoydalanishning nazariy asoslari, xalqaro tajribalar hamda O‘zbekiston sharoitidagi imkoniyatlari tahlil…
Mazkur maqolada korxonalarda AI-driven Decision Support Systems (DSS) ni joriy etishning konseptualasoslari ilmiy-nazariy yondashuv asosida tahlil qilinadi. Raqamli transformatsiya jarayonlari jadallashgan sharoitda…
This article systematically examines the process of attracting investments from financial markets and the keyfactors influencing the enhancement of their attractiveness. The relevance of the study is determined by the…
Mazkur maqolada ijtimoiy himoya tizimi qamrovini kengaytirish mexanizmlari hamda ushbu sohadaqo‘llanilayotgan xalqaro institutsional yondashuvlar tahlil qilingan. Tadqiqot doirasida Xalqaro mehnat tashkiloti…
Mazkur maqolada transchegaraviy daryolar suvlarini taqsimlash usullari, geografik tegishlilik asosidataqsimlash, tarixiy shakllangan holat asosida taqsimlash, davlatlar o‘rtasida tenglik asosida taqsimlash, davlatning…
Mazkur maqolada axborot-resurs markazlarining oliy ta’lim tizimidagi o‘rni hamda ularning ta’lim jarayonisamaradorligiga ta’siri ilmiy jihatdan tahlil qilingan. Tadqiqotda ARM faoliyatining ta’lim sifati bilan…
Maqolada xalqaro xizmatlar savdosida tibbiy turizmning iqtisodiy ahamiyati tahlil qilinadi. Tibbiy turizmningglobal savdo tizimidagi o‘rni va uning mamlakatlar iqtisodiyotiga ta’siri ko‘rib chiqiladi. Tadqiqotda GATS…
Ushbu maqola qurilish tashkilotlarida boshqaruv samaradorligini oshirishning innovatsion usullarinio‘rganishga bag‘ishlangan. Tadqiqot natijalari shuni ko‘rsatadiki, raqamli boshqaruv tizimlari, avtomatlashtirilgan…
Mazkur maqolada bank xizmatlari sifatini baholashda qo‘llaniladigan ko‘p omilli indikatorlar tiziminishakllantirishning nazariy va amaliy jihatlari tadqiq etilgan. Tadqiqot jarayonida xizmat sifati tushunchasining…
Mazkur ilmiy maqolada qishloq hududlarida xizmat ko‘rsatish samaradorligini oshirishning iqtisodiy vaijtimoiy ahamiyati tahlil qilinadi. Xizmatlar sektorini rivojlantirish orqali qishloq aholisi turmush darajasini…