In most cases, it is justified to look for the root of any defects and shortcomings in the social and spiritual environment of the family, and it is a great fact that strong families are the basis of a strong, stable and prosperous state. In the East, in Muslim countries, the family has been considered a sacred place since time immemorial. If the family is healthy and strong, peace and harmony will reign in the country. After all, family well-being is the basis of national well-being. Therefore, the role and importance of the family in public life in the legislation of states has been given special attention since ancient times. In particular, our Constitution says that "The family is the main link in society and has the right to be under the protection of society and the state."

This article reveals the specific aspects of accounting in Islamic financial institutions and the procedure for accounting for a murabaha agreement, which is one of the commercial agreements. The main points on financing of the negotiations are given, and the documents pay special attention to the description of transactions related to it. In particular, the features of the method chosen by the financial institution are discussed, as well as the accounting procedures in Islamic financial institutions, the similarities and differences in accounting in traditional and Islamic banks. The conclusion presents the main points regarding the implementation of the Murobaha trade agreement.

The article analyzes modern theories of international and local ranking of higher educational institutions and their features. Scientific conclusions aimed at assessing the impact of financial management on rankings and competitiveness in the higher education systemhave been drawn up. In reliance upon the research results scientific proposals and recommendations aimed at enhancing competitiveness of higher education institutions have been developed.

The article examines the concept and essence of investment lending and project
financing, foreign experience of banks in financing investment projects. It is known that financing
large enterprises in the country contributes to GDP growth and sustainable economic
development. Today, Uzbekistan pays great attention to improving the financial and banking
sector, banks with a state share are on the way to privatization. International financial
institutions such as the International Finance Corporation (IFC), the European Bank for
Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) are involved in
the process of privatization of the banking sector. In this study, the possibilities of applying foreign
experience in financing investment projects were studied

The article examines the concept and essence of technical support, its role in evaluating promising projects, trends in the development of financing investment projects, issues of raising funds and factors influencing their timely development. The foreign experience of banks in attracting credit resources from international financial organizations has been studied. In addition, the possibilities of applying international experience in the field of technical evaluation of projects, ways of cooperation with international financial institutions such as the International Finance Corporation (IFC), the International Bank for Reconstruction and Development (IBRD), the European Bank for Reconstruction and Development (EBRD) and the Asian Development Bank (ADB) were considered.

This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given

Improving the effectiveness of management largely depends on the issues of adequate assessment of the work of management personnel. Based on this, this article discusses the issues of implementing indicators for evaluating management effectiveness.

This article examines the concept and essence of Islamic finance, consistent with the principles of Sharia, and its practical application, the development of the Islamic economy, the donation of international financial institutions and Islamic banks in the formation of banking resources. The role and importance of the development of Islamic finance in the process of transformation of the financial and banking system are also considered. The perspective of the development of Islamic finance and its role in the development of the country's economy is considered. Suggestions and recommendations on the implementation of the principles of Islamic finance are given.

This article reveals the specifics of using the method of selective observation in the statistical analysis of housing and communal services. Theoretical aspects of the statistical evaluation of the activities of communal enterprises by the method of selective observation were also studied.

In this article, the important aspects of improving the taxation system in our country, the experience of foreign countries in taxation, as well as the scientific and theoretical views and ideas of foreign and local scientists were studied. Foreign experiences in taxation were analyzed, and directions that could be put into practice were suggested

The purpose of this study is to analyze the current state of the educational services market in Uzbekistan, focusing on public and private institutions at various levels of education. This analysis is of scientific importance in the development of policies that increase the current state and quality of education in Uzbekistan, as well as competitiveness, and the author's analytical comments are presented.

The tendency towards a digital university is reflected in the strategies of higher education institutions around the world. The current electronic-digital environment of the Higher School of Business and Entrepreneurship was analyzed and its development of digital functionality and the existence of four elements of a digital university were substantiated. As a result of the correct implementation of the digitization strategy of the Higher School of Business and Entrepreneurship, it is emphasized that the competitiveness and image characteristics of the
educational institution will increase.

This article examines the issues of digitalization of the medical sphere and foreign experience. The practice of digitalization of the healthcare system of the Republic of Uzbekistan and the experience of foreign countries in this area have been studied. Also, on the basis of statistical data, trends in the development of the country's medical sphere were analyzed and proposals and recommendations were developed for the effective organization of information digitalization processes at medical enterprises.

The article discusses the unique features of the innovative development of trade services for the population and the need for econometric modeling. There is no separation here to improve the organizational and economic mechanisms for the innovative development of the trade services sector or the general socio-economic patterns of the industry into types and groups, but the practical nature of the laws in force that give practical meaning to research, determine the priority and serve as a scientific criterion for evaluating results, highlight the consequences in the future , the importance of evaluating results.

For the sustainable and accelerated development of regions in Uzbekistan, it is advisable to introduce a unified system for assessing their comprehensive balanced development, the efficiency of resource utilization, economic, investment, and financial potential, to provide the necessary financial resources and opportunities for regional development, to further enhance the financial independence of local government bodies, and to further expand the scope of scientific research on developing and implementing strategies to ensure the completeness of local budget revenues.  This article covers the issues of sustainable development of regions both theoretically and practically.

The article reveals the essence of the service sector, studies its main indicators and development prospects. The role and importance of the service sector in the national economy, its share in GDP and main indicators are also statistically analyzed.

The article reveals the essence of the service sector, studies its main indicators and development prospects. The role and importance of the service sector in the national economy, its share in GDP and main indicators are also statistically analyzed.

The article, using scientific approaches, studies in detail and reveals the role of the service sector in the economy, its essence, and also conducts a statistical analysis and study of its main indicators and development prospects.

The article, using scientific approaches, studies in detail and reveals the role of the service sector in the economy, its essence, and also conducts a statistical analysis and study of its main indicators and development prospects.

This article examines the practical role of mahalla institutions in promoting employment, evaluates the effectiveness of existing organizational and institutional mechanisms, and substantiates the need for their improvement. The survey conducted at the mahalla level reveals that employment remains insufficiently prioritized among the main areas of mahalla activity, and current initiatives lack systematization. Within the study, an integrated institutional–organizational mechanism was developed to strengthen the functions of mahalla institutions across diagnostics, vocational training, support for self-employment initiatives, mobilization of financial resources, and monitoring. The proposed mechanism is aimed at enhancing the institutional capacity of mahalla governance in employment promotion, supporting household-based entrepreneurship, and revitalizing local labor markets.

Special economic zones in Uzbekistan, as an institution of a market economy, occupy a special place in terms of their significant contribution to the development of regions. Currently, special economic zones (SEZs) are considered a priority area for attracting foreign and domestic investments. In this regard, assessing the effectiveness of special zones in the region and sectors of the economy and improving labor relations in them is an important research area.

This article provides an in-depth analysis of the essence and content of innovative activities in educational institutions, their role in the modern pedagogical process, and their impact on the quality of education. Innovative activity is presented as a complex process aimed at enhancing educational effectiveness through the introduction of new ideas, advanced technologies, and methods by teachers into the pedagogical process. The study examines, on a scientific basis, the advantages, practical effectiveness, and influence on student development of various innovative forms implemented in educational institutions, such as digital technologies, interactive methods, modular learning, project-based approaches, and STEAM integration. Furthermore, organizational and methodological factors influencing the implementation of innovative activities, the professional competencies of teachers, the technical infrastructure of educational institutions, and management mechanisms are analyzed. The results of the article demonstrate that the effective implementation of innovative approaches plays a crucial role in improving the quality of the educational process, encouraging students’ creative thinking, and developing modern competencies.

This article provides a theoretical and conceptual analysis of the interrelationship between the digital labor market emerging under the conditions of the platform economy and human capital. The study examines the institutional characteristics of labor relations organized through digital platforms, the mechanisms of algorithmic management, as well as new forms of utilizing human capital. The author interprets the digital labor market as an independent economic institution fundamentally different from traditional labor relations and substantiates the process of labor fragmentation within the segments of cloud work, crowd work, and gig work. The article demonstrates the transformation of human capital in the digital economy from a classical factor of production into a resource that generates data and increases platform value.

The study is devoted to the role of gender equality in realizing the potential of women and the economic development of Uzbekistan. It is shown that the effective implementation of women's human capital requires not only parity in education, but also institutional support, including access to employment and child care infrastructure. Gender justice should be both a goal of social policy and a tool for innovative economic development.

this article reveals the improvement of housing and communal services based on econometric models and its economic and statistical analysis and features. Practical suggestions and recommendations for improving the activities of housing and communal services based on econometric models are also provided.