Ruslan Bozorov , Muzaffar Khidirov , Abdukodir Arslanov
The article analyzes the current state of the bank's financial indicators, in particular, indicators related to the bank's credit activity, using the example of JSCB "Microcreditbank". In particular, scientific conclusions are drawn based on the analysis of the 7-year dynamics of such indicators as the commercial bank's return on assets and capital, the volume of problem loans and the amount of reserves created for them.
The article presents models and a systematic approach to assessing the potential for innovative development of the sphere of trade services to the population of the Kashkadarya region.
Uzbekistan’s innovation policy is aimed at accelerating economic growth, ensuring efficient use of resources, expanding into new markets, and improving public welfare. In this regard, the strategies and programs being implemented serve the country’s long-term development objectives. The article examines the main directions of innovation policy, its impact on various sectors of the economy, as well as existing opportunities and challenges, based on a scientific and analytical approach.
In the article, an econometric analysis of the influence of the dynamics of changes in the structural structure of the liabilities of the joint-stock commercial bank "Mikrokreditbank" operating in the national economy on the formation of net interest income is carried out. In particular, in the analysis, the bank's net interest income before deducting potential losses on assets was taken as the dependent variable, and the bank's obligations to other banks, deposits, credit and leasing transactions, securities issued by the bank, subordinated debt and other obligations, and share capital were selected as independent variables. Based on the analysis, scientific conclusions were formed
Cloud technologies, artificial intelligence and analytical programs are becoming increasingly important in small business management. They help small businesses develop their activities, increase efficiency, reduce costs and optimize the decision-making process. The article describes the meaning, essence and mechanisms for the implementation of innovative digital technologies in simplifying financial management and increasing the efficiency of small businesses. By introducing innovative technologies into small business processes, a synthesis of conditions for systemic management was carried out. Innovative development of small businesses, the innovative environment and the potential for innovation are considered and, based on this, are an important factor. The possibilities of accelerating business processes, reducing costs and increasing the level of accuracy and transparency of financial relations are analyzed.
This article discusses the problem loans (NPL) in the banking system, their characteristics, accounting and statistics, the correct calculation of reserves for them, the state of reserves created against possible losses on loans in Germany Deutsche Bank, and proposals and recommendations for improving the bank's loan portfolio.
In today’s globalization era, the level of income within an economic system is one of the key factors determining a country’s economic growth. In addition, income directly affects the population’s living standards, production efficiency, and labor productivity. This article analyzes the theoretical foundations and different methods for assessing income growth, and examines recent years’ income growth trends based on major macroeconomic indicators
This article examines the existing problems related to the implementation of the requirements of International Financial Reporting Standards (IFRS) in the process of accounting for current assets of business entities, the causes of these problems, and the directions for their improvement. The study compares current regulatory frameworks, accounting policies, valuation methods, and the requirements of international standards. As a result of the research, proposals were developed to enhance the transparency of current assets accounting, apply accurate and reliable valuation methods, and ensure the fair presentation of financial results
This article examines the international significance of the social protection system in combating poverty, as well as the procedure for supporting certain categories of individuals in need of social protection. Within the framework of the New Uzbekistan Development Strategy, the main directions for poverty reduction are highlighted. The study analyzed the main indicators of the Uzbekistan labor market for 2020-2024, including the dynamics of unemployment and poverty levels, and assessed the poverty level by region. At the end of the study, proposals and recommendations were given
The article analyzes the financial indicators related to the credit activities of commercial banks in the national economy, in particular, the total volume of assets, liabilities and capital in the structure of liabilities, as well as the volume of loans and deposits and their shares over the past five years, and presents the results. Scientific conclusions are drawn based on the analysis.
The article argues that for the transition to digital education to be transformative, governments need to adopt a systemic approach that strengthens the coherence of tools, technologies, actors and subjects in their education systems, and that the analysis and insights provided by the Digital Education Outlook 2023 provide OECD members with useful resources in this regard.
The article discusses the fact that segmentation in the optimization of industrial sectors is one of the current topical issues, and provides a comprehensive overview of the analytical reviews of the GMM model and K-means in segmentation. A comparative review of the K-Means and GMM methods in segmentation is fully analyzed. In the direction of the “Flowchart” of generalization of the GMM and K-means methods, the “New GMM Method” algorithm and the implementation algorithm of the Improved Hybrid Segmentation Model (HSM) are developed. Conclusions and suggestions are given on the hybrid approach to optimal segmentation of industrial sectors.
This article analyzes the adequacy of commercial banks' deposit base, the factors affecting it, the alignment of maturities, interest rates, and volumes between bank deposits and loans, as well as the growth trends of deposits and loans. The causes of the transformation risk associated with bank deposits and credits have been examined. Furthermore, practical proposals and recommendations have been developed regarding existing problems in bank credit services and their solutions
This article discusses the issue of increasing economic efficiency in manufacturing enterprises. It analyzes ways to rationally use production resources, improve technological processes, introduce digital technologies, and increase labor productivity. It also analyzes the views of prominent economists on economic, that is, production resources, and draws a general conclusion. In addition, ways to increase production efficiency and methods for determining it are also considered
This article reflects the author's view of outsourcing services as a new modern service, its unique characteristics and success strategies. In addition, suggestions and recommendations for improving outsourcing services are developed
The article analyzes the role of e-commerce in Uzbekistan and the importance of e-commerce in the development of trade services, the relevance of using the experience of developed countries, as well as the problems arising in the development of e-commerce and ways to solve them.
This article provides an in-depth analysis of the structural structure and development trends of the real sector in Uzbekistan, the dynamics of production volumes and efficiency indicators. Suggestions are made for assessing the structural structure and development trends of the real sector.
The article develops practical recommendations to identify problematic aspects of the current system for attracting international financial resources in Uzbekistan, increase the efficiency of resource use, strengthen transparency and accountability, and improve institutional coordination.
In international banking practice, ensuring the profitability of commercial banks is of great importance, which not only serves to maintain their financial stability, but also to increase their competitiveness in market conditions. Banks with a high level of profitability perform their financial intermediary function more effectively, which leads to the strengthening of their place and role in the economy. Therefore, in the practice of developed Western countries of the world, the issues of increasing the profitability and ensuring the stability of commercial banks are considered one of the most priority and urgent areas of strengthening their competitiveness in the financial market. They pay great attention to increasing profitability in order to ensure the effective operation of banks, the provision of high-quality services to customers, and a worthy contribution to economic development. The article develops scientific proposals aimed at ensuring the profitability of loans of commercial banks of the country.
This article examines the role of educational role-playing games as a dynamic and innovative strategy in contemporary learning environments. Role-playing games allow students to immerse themselves in realistic scenarios, promoting the development of critical thinking, creativity, collaboration, and communication skills. The article highlights various implementations of role-playing games in different subject areas and discusses their effectiveness in increasing student motivation and retention.
The study of foreign strategic approaches to optimizing the agrocluster system is important in ensuring sustainable development through the integration of agriculture and industry. This article analyzes the best practices of various countries in the formation and development of the agrocluster model. In particular, the strategic approaches of countries such as the United States, the European Union, China and South Korea, such as state policy, methods of attracting investment, the introduction of innovative technologies and the integration of agroclusters with the global market, are studied. The results of the study are aimed at analyzing the possibilities of using international experience in the development of the agrocluster system and proposing a model adapted to local conditions.
The article explores innovations in education, their impact on the learning process, and the role of ICT and active teaching methods. It highlights the importance of fostering children's confidence and transitioning from authoritarian pedagogy to a collaborative model. The study also examines media effect theories that influence information perception.
This article discusses the role of the bank's credit policy in the allocation of its bank resources, the criteria for the credit policy of commercial banks and modern methods of managing problem loans. Also, the article specifically addresses the issues of the commercial bank's credit portfolio, its essence and formation.
This article explores the development and implementation of interactive game-based learning tools designed to enhance financial literacy among school-aged children. Recognizing the challenges in engaging young learners with traditional economic education, the study focuses on integrating play into pedagogy through digital and non-digital games tailored to financial concepts. It highlights the impact of gamification on student motivation and understanding, drawing from practical examples and best practices. The findings demonstrate the effectiveness of game-based approaches in fostering practical financial skills, promoting critical thinking, and bridging theoretical knowledge with real-world applications, offering a transformative approach to financial education.
