The article analyzes the ecosystem of alternative finance in the Republic of Uzbekistan and examines its main instruments. In recent years, increasing attention has been paid to microfinance, crowdfunding, peer-to-peer (P2P) lending, social investments, and Islamic finance as tools to promote economic diversification and financial inclusion. The study highlights the current state, opportunities, and challenges of developing these instruments in Uzbekistan. Moreover, development scenarios of the alternative financial system under different market conditions are proposed, and the potential integration of crowdfunding with Islamic finance is explored.

This article examines ways to enhance the participation of commercial banks in poverty reduction. It analyzes the role of banks in alleviating poverty through credit policies, financial inclusion, microloans, and financing social projects. Furthermore, the article suggests measures to strengthen the social responsibility of commercial banks and improve the accessibility of financial services based on international experience.

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 discusses the concept of long-term financial investments. Their importance and essence, the regulatory and legal basis for accounting for long-term financial investments, their recognition and valuation in accounting, as well as the procedures for their inclusion and write-off, and revaluation. Scientific proposals and recommendations are given to improve the accounting of long-term financial investments, their reflection in the accounts and their improvement based on international standards

The article analyzes the impact of inclusiveness on regional socioeconomic growth. Regional economic development reveals social relationships shaped by specialization, the rational use of existing potential and other resources (raw materials, labor, production), and location. The article examines the definition and content of inclusive growth, the factors influencing its implementation, and the assessment methodology, as well as the impact of the hospitality industry on inclusive economic growth. Opportunities for developing inclusive economic growth in the country, particularly in the Kashkadarya region, are analyzed, and proposals for their development based on principles of equality are put forward

This research study examines the content analysis of tourism infrastructure and aims to assess the state of infrastructure based on a comprehensive approach that includes the country's transport networks, digital (smart) services, environmental monitoring and resilience to emergencies. The study analyzes transport infrastructure, smart tourism applications, green infrastructure and resilience factors before and after the pandemic. At the same time, it also highlights the problems of regional imbalances and digital inclusion. Practical measures for improvement are analyzed. The main objective of the study is to study tourism infrastructure based on an integrated assessment model, identify existing strengths and weaknesses and develop proposals to increase resilience in emergencies. This study is also of importance to policymakers and government agencies, tourism operators and digital platform owners, academic researchers and students of higher education institutions, local communities and regional development specialists, as well as ecology and environmental management organizations and specialists in the field of urbanization development. The scientific novelty of the study is that it makes a new theoretical and practical contribution to the topic by developing an assessment model and a set of empirical indicators that combine the components of tourism infrastructure with transport, smart services, environmental monitoring and resilience

This article examines the significance of digital transformation in reducing disparities in regional economic development. The introduction highlights the relevance of the issue and contemporary trends, while the literature review analyzes a number of scientific articles from recent years. The methodology encompasses a systematic literature review (SLR) based on PRISMA guidelines and empirical modeling (panel regression, GMM, threshold models). The results demonstrate the positive impact of digital transformation on mitigating regional imbalances (e.g., stimulating GDP growth with a coefficient of 0.59), but reveal a U-shaped effect (turning point at 0.358) and infrastructure deficiencies. The conclusion emphasizes the potential of digital technologies, contingent upon policy measures and inclusivity, and provides policy, practical, and research recommendations.

This article analyzes the role and development trends of modern financial technologies — fintech services — in international markets. The author highlights the emergence of fintech technologies in the context of the digital economy, the reasons for their global expansion, and their impact on the financial services sector. Based on a regional analysis, the article examines the specific features of fintech development in various regions (North America, Europe, the Asia-Pacific region, and LAMEA). Using the examples of major fintech companies such as PayPal, Stripe, Revolut, and Ant Group, the article emphasizes the expansion of digital payments, open banking, blockchain technologies, and services based on artificial intelligence. Drawing on statistical data and international experience, the article identifies the key advantages of fintech services, including high speed, cost reduction, financial inclusion, and the provision of innovative products. The conclusion highlights the prospects for further development of the fintech sector and the need for cooperation between technological innovation and state regulators. The article is of both theoretical and practical interest for banking professionals, participants in the financial services market, and those involved in the digitalization of the economy.

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.

В данном исследовании рассматривается анализ туристической инфраструктуры в Южной Корее с целью оценки состояния инфраструктуры на основе комплексного подхода, включающего компоненты транспортных сетей страны, цифровые (умные) услуги, мониторинг окружающей среды и устойчивость к чрезвычайным ситуациям. В исследовании анализируются транспортная инфраструктура, покрытие Интернетом и 5G, интеллектуальные туристические приложения, кибербезопасность, зеленая инфраструктура и факторы устойчивости до и после пандемии. В то же время будут также освещены вопросы регионального дисбаланса и цифровой инклюзивности. Анализируются практические меры по улучшению. Основная цель исследования — изучить туристическую инфраструктуру Южной Кореи на основе комплексной модели оценки, выявить имеющиеся сильные и слабые стороны и разработать предложения по повышению устойчивости в чрезвычайных ситуациях. Данное исследование также представляет интерес для политиков и государственных учреждений, туроператоров и владельцев цифровых платформ, научных исследователей и студентов университетов, местных сообществ и специалистов по региональному развитию, а также организаций по экологии и управлению природопользованием и специалистов в области развития урбанизации. Научная новизна исследования заключается в том, что оно вносит новый теоретический и практический вклад в тему путем разработки модели оценки и набора эмпирических показателей, объединяющих компоненты туристической инфраструктуры, транспорта, интеллектуальных услуг, мониторинга окружающей среды и устойчивости.

This article analyzes the experience of the U.S. Small Business Administration (SBA) in financing small business entities through commercial banks. Based on SBA practices such as credit guarantees, interest rate regulation, business development centers, and digital infrastructure, strategic recommendations tailored to Uzbekistan’s context are proposed. These include strengthening credit guarantee systems, launching a digital guarantee portal, establishing advisory centers, regulating interest rates, and improving monitoring systems. The proposed measures aim to enhance the efficiency of small business financing mechanisms in Uzbekistan.

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.

This article discusses strategies for the development of financial services in commercial banks in order to increase their competitiveness, efficiency and value proposition. In an era characterized by global technological development and changing customer preferences, commercial banks face the need to innovate and adapt to changing market demands. The article notes that today, when digital technologies are rapidly developing, the banking sector is reorganizing its activities in accordance with modern requirements. The digital financial services offered by commercial banks serve not only to meet the needs of customers, but also to improve the quality of banking services, reduce operating costs and increase competitiveness.
The process of developing digital financial services by commercial banks has been gradual for many years, depending on technological progress, changes in customer requirements and the development of global financial markets. The implementation of these strategies will help commercial banks take a leading position in the financial services sector, stimulate business growth and achieve broader goals of economic prosperity and social well-being.