The article presents a scientifically based methodology for developing the concept of territorial development of the Republic of Uzbekistan. Theoretical approaches to spatial planning are investigated, including the growth poles concept, central places theory, and polycentric development models. The author proposes a scientifically based typology of Uzbekistan regions with identification of six types of territories: central capital region, growth poles of national importance, advanced development regions, structural modernization territories, priority state support regions, and environmental rehabilitation territories. For each type, specific development priorities, support instruments, and target indicators are defined. A system of target indicators for the territorial development concept has been developed, including economic, social, infrastructure, and environmental indicators. The mechanisms for implementing the concept through a system of state programs, investment projects, and institutional reforms are substantiated. The principles for developing the concept are defined: balance, polycentricity, territorial connectivity, sustainability, consideration of regional specifics, and inclusivity.

This article analyzes the concept of sustainable development and the role of green finance in the banking sector. The study examines the practices of managing environmental and financial risks in commercial banks, foreign experiences, and examples from banks in Uzbekistan. The results indicate that green finance ensures not only ecological responsibility but also strategic development of banks. This approach contributes to financial stability, economic modernization, and strengthening environmental security

This article is based on the development and implementation of a climate budget labeling model for Uzbekistan with the support of the United Nations Development Program. The history of the economic approach to the concept of sustainable development is covered. A forecast of funds provided for 2024 for the section of “green” budgeting sectors is given.

This scientific article discusses the concept of tax policy and its importance as an important component of state policy. The concept of investment climate attractiveness and the internal and external factors influencing it are considered. Tax policy is one of the main factors of investment attractiveness. The article studies theoretical approaches to the relationship between tax policy and the investment climate.

This article is based on the development and implementation of a climate budget labeling model for Uzbekistan with the support of the United Nations Development Program. The history of the economic approach to the concept of sustainable development is covered. A forecast of funds provided for 2024 for the section of “green” budgeting sectors is given

This article explores the meaning and origin of the concept of economics. It provides information about the contributions of Eastern scholars to the development of economic thought. The economic theories and ideas created by each scholar are analyzed. The paper also highlights how economics developed in ancient times

In order to further improve the tax system in our republic, to reduce hidden circulation in the economy, and to implement the main directions of the concept of improving the fair tax policy of the Republic of Uzbekistan, expanding the tax base by introducing digital technologies to the tax administration and some important reforms in the tax system were studied, foreign experience, scientific-practical conclusions, and proposals for its application in our country have been developed.

This article pays special attention to the importance of accounting as one of the means of assessing the results of economic entities for the purpose of enterprise development. With the help of accounting, the possibility of assessing the results of an enterprise for a certain period is substantiated depending on the amount of profit received by the enterprise

This article explores the theoretical foundations of financial accountability and transparency, highlighting their importance in the effective implementation in both the public and private sectors. The content and essence of financial accountability and transparency are analyzed through various theoretical approaches, including institutional theory, agency theory, good governance theory, new public administration theory, and public participation theories. The results of the study confirm the conclusions that a high level of financial accountability and transparency contributes to economic stability, improvement of the investment climate, reduction of corruption, and increased social trust.

In recent years, mortgage loans have become increasingly important. Also, without a system, the timely development of the capital market, including mortgage and insurance, is impossible. From this point of view, this topic is always relevant and is the focus of attention of researchers. This article analyzes the concept of mortgage insurance, its main types and implementation mechanisms. The article also indicates the main advantages of mortgage insurance for various participants in these relationships.

The article highlights the essence, characteristics and advantages of inclusive entrepreneurship, its role in state socio-economic policy, and defines the concept of "inclusive entrepreneurship". The possibilities of an inclusive approach to entrepreneurial activity are revealed. The work carried out in the country, in particular in the Khorezm region, to support inclusive entrepreneurship is analyzed. Proposals for their development based on the principles of equality are put forward.

In this work, the role and significance of the creative economy in modern socio-economic processes are analyzed. It substantiates the role of creative fields - such as art, design, advertising, information technologies - in diversifying the country's economy and creating new jobs. The author put forward innovative strategic approaches suitable for the conditions of Uzbekistan. In particular, measures such as the creation of creative clusters and hubs, the expansion of public-private partnerships, support for digital platforms and startup ecosystems, and the introduction of special educational programs for creative industries are recommended.

The given article explores the definitions related to the concept of rail diplomacy provided by diverse scientists and sources. It also covers the attitudes to rail diplomacy in different country cases as well as the prospects for the development of railway diplomacy in the conditions of integration of the counties into the world economy. The article touches upon the potential consequences and benefits of the application of the railway diplomacy for the whole economy and specific branches of it. The statistics dealing with the certain projects related to the railway diplomacy in definite countries were also used in the work.

This article is aimed at studying the introduction of the “Open banking” business model into the financial sector of Uzbekistan as one of the strategic mechanisms ensuring the digital transformation of the economy. This model allows for the development of innovations, increased competition in the banking services market, and improved the quality of financial services provided to the population. The concept of “Open Banking” was studied with an emphasis on world practice and the experience of Great Britain, and the activities of banks operating in an open system were analyzed. Also, issues such as creating a reliable regulatory framework, strengthening security and confidentiality measures, and developing cooperation between banks, fintech companies, and regulators were studied. The purpose of the article is to draw attention to the expected risks, along with demonstrating the economic opportunities of the “Open Banking” business model in the process of its gradual implementation.

This article explores the necessity of introducing an Islamic finance system in Uzbekistan, as well as analyzing the current legal frameworks and institutional environment. Islamic finance operates in accordance with Sharia principles, which prohibit interest (riba), gambling (maisir), and excessive uncertainty (gharar). Although Islamic finance is a relatively new concept in Uzbekistan, the demand for fair, ethical, and Sharia-compliant financial services is steadily increasing, particularly among the predominantly Muslim population. The article examines the core principles of Islamic finance and highlights financial instruments such as sukuk, mudarabah, and musharakah. It also discusses the legal mechanisms required to implement them effectively. The existing gaps in national legislation, the insufficient development of regulatory bodies, and international best practices are assessed in the context of Uzbekistan. Finally, the article proposes conceptual recommendations to support the establishment and sustainable growth of an Islamic financial system in the country.

This article analyzes the theoretical and methodological foundations of introducing the concept of green logistics in the process of developing small and medium-sized businesses in Uzbekistan. The “three-tier” transformation model developed by the author proposes a phased implementation of green logistics practices, covering the stages of infrastructure modernization, operational digitalization and value transfer.

This article analyzes the importance, scientific, theoretical, and legal foundations for attracting investment in innovation. Investment is viewed as a key factor in transforming scientific ideas into new products and technologies. Scientific and theoretical approaches to the relationship between investment and innovation (Schumpeter, Drucker, the concept of national innovation systems, and endogenous growth models) are discussed. The legislative framework of the Republic of Uzbekistan is examined from a legal perspective, including the Laws "On Investments and Investment Activities" (2019), "On Innovation Activities" (2020), and the Innovative Development Strategy for 2022-2026. Venture capital financing mechanisms, regulatory testing platforms for startups, and international experience are discussed. The need for a comprehensive approach combining government support, private capital, and legal guarantees to ensure sustainable innovative growth is emphasized.

This article examines how universities are transforming into key drivers of technological innovation and economic development as their role in society expands. This shift leads to a new trajectory in university evolution. The transition to an entrepreneurial university requires establishing a strategic direction, maintaining a commitment to the knowledge generated within the institution, and ensuring its application, primarily on a regional level. Entrepreneurial universities enhance traditional research universities by fostering stronger connections with society. They integrate education, research, and industry, leveraging real-world challenges to help graduates address unemployment. Uzbekistan's Higher Education Development Concept until 2030 sets the goal of ranking among the top 50 countries in the Global Innovation Index by 2030. In this context, the significance of entrepreneurial universities is emphasized as a key factor.

This article examines the theoretical foundations of the development of pilgrimage tourism in our country, which highlights its socio-economic content and essence based on the views of foreign and domestic scientists.

This article describes the basics of developing creative competencies of students in the process of independent learning. The content of the concept of "competence", competence and their components, the level of formation and development of creative competencies of the student, attention in the development of professional competencies of future specialists, the basics of pedagogical competence and pedagogical creativity, ways of targeted implementation of creative teaching methods, the need for conduct the educational process based on a competence-based approach were also discussed.

Tourism is one of the most profitable and rapidly growing sectors of the global economy. Its significant role not only in the economies of individual countries but also in the development of regions as a whole makes the improvement of management processes in this field highly relevant. The key characteristic of tourism, unlike production, is the prevention of resource depletion through effective management. This article examines international experience in managing tourism resources and enhancing mechanisms for efficient management, analyzes key factors, and provides practical recommendations for applying foreign experience in Uzbekistan.

The article is devoted to the analysis of the concept of corporate social responsibility (CSR) and its implementation through various models in global business. The main CSR models used in Europe, the USA, Great Britain, Japan and Canada are considered, each of which has its own unique features reflecting cultural, economic and political conditions. In addition, the article emphasizes that in crisis situations, CSR becomes an important mechanism that connects business, society and nature. At such moments, social responsibility becomes not only a tool for adaptation and survival, but also a basis for further development.

This article discusses persuasive communication, its importance and application in advertising. In particular, the concepts of persuasion and persuasive communication are studied based on existing scientific sources. In expressing the concept of persuasive communication and its process, the general communication process model, its main elements and components are considered separately. Also, within the framework of persuasive communication, learning, dissonance-attribute, and low-involvement hierarchies are covered from the perspective of their application in advertising.

This article examines the impact of “Islamic windows” a key segment of the alternative finance market, on the financial sectors of various countries. The study explores the concept of “Islamic windows” their economic efficiency within traditional banks, their role in enhancing financial inclusion, and their capacity to meet market demand by offering services compliant with Sharia principles. The paper also analyzes the effect of this mechanism on banking sector stability and the attraction of foreign investments in developing countries. Combining empirical findings and theoretical approaches, the article highlights the prospects of “Islamic windows” in the global financial market.

This article analyzes foreign experiences in the management of logistics and supply chains in the textile industry. Since the 1980s, the Just-in-Time concept and APS (Advanced Planning and Scheduling) systems have been shown to be an important factor in improving the efficiency of logistics processes. The Supply Chain Management (SCM) approach proposes to manage logistics processes as a single system to achieve strategic efficiency. The article discusses China's research in the field of logistics and its unique approaches to it, as well as its adaptation to international standards. In particular, practical experiences in resource management, cooperation with suppliers, and opportunities for creating economic benefits are presented.