This article considers the theoretical, methodological and practical aspects of optimizing the economic mechanism for meeting the financial needs of small businesses from the perspective of spatial and regional economics. Using official statistical data for the Kashkadarya region and the Republic of Uzbekistan for 2022–2024, an in-depth comparative analysis of the employment dynamics of small businesses and their share in the overall regional employment structure was conducted. An econometric double linear regression model was identified and validated, which indicates a significant relationship between the expansion of the human resource potential of the sector and its structural advantage in the local labor market (R^2 = 0.934). The very high share of small businesses in regional employment (up to 78.7%) is justified by the need to move from broad lending methods to progressive financial engineering. A conceptual framework is proposed for the development of financial and credit support for small businesses at the meso level, including guarantee funds, syndicated microfinance and public-private investment partnership mechanisms.

This article compares traditional and modern needs for medical services, analyzes innovative trends in the development of the medical services sector, and examines characteristics of traditional and modern trends in medical service provision processes. Practical conclusions are drawn from this analysis.

The article examines the organizational and economic mechanisms of improving the efficiency of services in the regions. The main focus is on cases of improving the quality and efficiency of services by modernizing the service sector based on new technologies in the context of innovative economic development.

The employment indicator of the population is one of the most important descriptive aspects of the labor market, which, as an economic indicator, reflects the level of satisfaction with wages, the number of employees, the level of involvement in labor activity, personal needs, etc. In this regard, one of the urgent tasks is to study the issues of youth employment, which is considered a kind of “hot” segment of the labor market.