The article examines the civil-law status of borrowers in microcredit relationships in Uzbekistan as a set of rights, duties and liability measures arising from microcredit/microloan agreements and related protective mechanisms. The study proceeds from the “dual nature” of the borrower’s position: a party to a private-law obligation grounded in autonomy of will, yet often structurally weaker in terms of information and bargaining power – thus requiring mandatory transparency standards and safeguards against hidden charges. Using Uzbekistan’s Law on Non-Bank Credit Organizations and Microfinance Activity, the paper analyses key borrower protections: disclosure of terms and total cost of credit (microloan), the right to отказаться from the unused amount within two weeks, early repayment without punitive barriers, caps on aggregate charges and bans on certain fees. Doctrinal perspectives on the nature of loan/credit obligations and the limits of contractual freedom in socially sensitive financial services are discussed. A comparative section (EU/Russia/Kazakhstan) shows convergence with EU concepts of “total cost of credit” and proportional reduction upon early repayment, while highlighting regulatory differences in interest caps and supervisory techniques. Policy recommendations are proposed to strengthen coherent borrower status protection within private law.
| Mualliflar | Шамшетов Шарафатдин Сарсенович |
|---|---|
| Jurnal | Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research |
| Nashriyot | Ўзбекистон Республикаси Ахборот технологиялари ва, коммуникацияларни ривожлантириш вазирлиги |
| ISSN | 2181-9130 |
| Nashr sanasi | 2026-05-25 |
| Jild | 11 |
| Son | 3 |
| Til | Ingliz |
| Ilmiy soha | Yuridik |
| Indeksga qo‘shilgan | 2026-08-26 |
микрокредит; микрозайм; заёмщик; гражданско-правовой статус; защита прав потребителей финансовых услуг; досрочное погашение; полная стоимость кредита; микрофинансовая организация; добросовестность; ограничения начислений, mikrokredit; mikroqarz; qarz oluvchi; fuqaro-huquqiy maqom; moliyaviy xizmatlar iste’molchilari huquqlarini himoya qilish; muddatidan oldin so‘ndirish; kreditning to‘liq qiymati; mikromoliya tashkiloti; halollik; hisob-kitob (undirish)larni cheklash, microcredit; microloan; borrower; civil-law status; consumer financial protection; early repayment; total cost of credit; microfinance; good faith; cap on charges
| APA | Шамшетов Шарафатдин Сарсенович (2026). CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS. Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research, 11(3). https://tadqiqot.uz/index.php/law/article/view/13911 |
|---|---|
| GOST (OAK) | Шамшетов Шарафатдин Сарсенович CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS // Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research. – 2026. – T. 11, № 3. |
| MLA | Шамшетов Шарафатдин Сарсенович. “CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS.” Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research, 11(3), 2026. https://tadqiqot.uz/index.php/law/article/view/13911 |
| Chicago | Шамшетов Шарафатдин Сарсенович. “CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS.” Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research, 11(3) (2026). https://tadqiqot.uz/index.php/law/article/view/13911 |
| Harvard | Шамшетов Шарафатдин Сарсенович (2026) ‘CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS’, Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research, 11(3). https://tadqiqot.uz/index.php/law/article/view/13911 |
| BibTeX | @article{article2026,
title = {CIVIL-LAW STATUS OF BORROWERS IN MICROCREDIT RELATIONSHIPS},
author = {Шамшетов Шарафатдин Сарсенович},
journal = {Ҳуқуқий тадқиқотлар /Правовые исследования/ Journal of Law Research},
year = {2026},
volume = {11},
number = {3},
url = {https://tadqiqot.uz/index.php/law/article/view/13911}
} |
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