This article analyzes the modern problems of the management system in organizations and the factors of their formation based on a systematic approach. The organizational, economic, socio-psychological, technological and strategic problems arising in the context of globalization, digital transformation and the intensification of the competitive environment are considered in their interrelation with the structural subsystems of the management system. As a result of the study, optimization of the management structure, improvement of management processes, development of human resources potential and introduction of digital technologies are justified as important areas of improving the management system.

This article investigates the impact of the management model of a company, which is one of the leaders in the insurance market, on the management of the company, their interdependence, the impact on the investment potential of the company, the sources of financial activity of insurance companies, the reserves of the enterprise, the mechanism of their formation. In addition, an analysis of the main financial and economic indicators of the insurance company was carried out, the participation of the insurance company in the insurance market, the approaches and views of foreign scholars in this regard, the investment policies of insurance companies, an analysis of problems in the insurance market were studied, and development prospects were presented in detail. Scientific proposals and practical recommendations aimed at further development and increasing their financial and economic potential with the widespread use of the advanced management models for insurance companies in Uzbekistanhave been developed.

In this article, the reforms carried out in the Republic of Uzbekistan on the application of Quality Management in the construction materials industry were studied in a scientific and practical way.nnotation. In this article, the reforms carried out in the Republic of Uzbekistan on the application of Quality Management in the construction materials industry were studied in a scientific and practical way. The study critically analyzed the basic concepts of the theory of Quality Management, the views of foreign and domestic scientists, and evaluated the possibilities of their application to the construction materials industry. The article analyzes the volumes of production of building materials, the proportion of enterprises that have implemented the ISO 9001 Quality Management System, the level of defective products and export indicators.he article analyzes the volumes of production of building materials, the proportion of enterprises that have implemented the ISO 9001 Quality Management System, the level of defective products and export indicators. The results of the analysis developed scientific and practical conclusions on the implementation of the quality management system to ensure the stability of product quality, reduce production costs, increase export potential and strengthen the competitiveness of enterprises.

When analyzing economic potential, it should also be borne in mind that the economic potential of enterprises depends not only on the size of available resources but also on the quality of these resources, the structure of the balance of components, and the rationality of use. Improving the quality composition of resources increases the existing potential, the effective use of which strengthens management decisions.

This article is dedicated to the classification and analysis of factors influencing the management system of competitiveness in textile enterprises. It examines the key aspects of the management system necessary to improve the quality of products manufactured by enterprises in the textile industry and to ensure their competitiveness. As a solution to the issue, both internal and external factors are analyzed, including resources, innovation activities, strategic programs, and the significance of the management system, as well as the technologies and human resources required to enhance competitiveness.

Selection of modern management personnel and assessment of leadership potential is one of the highest goals of our state, building a democratic state based on the rule of law, civil society, development and liberalization of various spheres of life. Today it is also a requirement that he pay attention to his teacher, spirituality and competence, as well as encourage increased public control over the activities of leadership personnel. Leadership cadres mobilize society, awaken existing creative forces in people, and develop socio-economic life.

This study examines the impact of the relationship between bank assets and liabilities on bank profitability, highlighting the critical role of effective asset-liability management in financial performance. Banks generate income primarily through interest earned on assets such as loans and investments, while liabilities, including deposits and borrowings, represent the cost of funds. The balance between these two elements determines net interest income (NII) and net interest margin (NIM), both key indicators of profitability. Factors such as interest rate spreads, asset quality, maturity mismatches, and liquidity management significantly influence the bank’s profitability. A well-managed asset-liability mix enhances income stability and reduces risks associated with interest rate fluctuations and liquidity constraints. Conversely, poor management can lead to reduced margins, increased risk exposure, and potential financial instability. Understanding and optimizing the interplay between assets and liabilities is essential for banks to maximize profitability, manage risks, and sustain long-term growth in a competitive and regulated environment. From this point of view, in this article, I tried to reveal the importance of the net interest margin in increasing the profitability of the bank, as well as the state of management of bank assets and liabilities in the banking system of the Republic of Uzbekistan and its effect on the efficiency of the banking system.

The purpose of this article is to identify the potential for the development of gastronomic tourism in the Republic of Uzbekistan based on the analysis of statistical data. Research methods include statistical data analysis, SWOT analysis. The results of the study. Uzbekistan has a rich potential for the development of gastronomic tourism, due to its unique cuisine, historical and cultural heritage, as well as a favorable climate. Gastronomic tourism in Uzbekistan is at the stage of development, but shows positive growth dynamics. The share of income from gastronomic tourism in the total GDP of Uzbekistan is about 2%. The problems hindering the development of gastronomic tourism include a lack of infrastructure, a shortage of qualified personnel, and limited information for foreign tourists. It has been revealed that gastronomic tourism can become one of the leading directions of the tourism industry in Uzbekistan, subject to state support and competent management. For the development of gastronomic tourism, it is necessary to develop tourist infrastructure; improve the skills of personnel; actively promote the gastronomic potential of Uzbekistan on the international market; develop new gastronomic routes; preserve and popularize traditional recipes and cooking technologies.

This article examines the practical tasks, factors, and economic success of effective personnel management, as well as the need to analyze personnel potential and apply current methods. It is designed to realize labor potential, develop personal abilities, provide people with satisfaction from work accomplished and public recognition of their achievements, and provide a comfortable environment. Personnel planning is also aimed at meeting the needs of production and ensuring the interests of employees and society as a whole. Today, more than ever, it is necessary to look for opportunities to harmonize market conditions and the interests of the company’s employee.

In the article, the prospects of improving the ways of ecotourism development in Surkhandarya region are outlined. According to the author, effective management and development of tourism industry potential of Surkhandarya region can be done by finding, introducing and adapting the current economic conditions, innovative tools and methods of improving management decision-making processes. Therefore, the author proposed a new way of conducting and managing the industry in order to ensure the development of the potential of the tourism industry and the successful operation of the development of ecotourism in the Surkhandarya region and on this basis "Surkhon Tourism" application was developed.

This article examines strategic approaches and management practices aimed at optimizing the tax potential of large taxpayers operating in the oil and gas sector. Recognizing the important role of this sector in the national economy, the study aims to identify best practices for maximizing tax revenues while ensuring sustainability and competitiveness. Proposals and recommendations for further improvement of the tax administration of large taxpayers were developed, and scientific and practical conclusions and suggestions for its application in our country were formed.

Labor productivity remains one of the most reliable indicators of a firm’s competitiveness, yet small business enterprises consistently realize only a fraction of their productive potential. This article examines the mechanisms through which small firms can identify hidden labor productivity reserves and convert them into measurable results. Drawing on a systematic review of the literature, a comparative analysis of management practice, and secondary statistical data, the study distinguishes diagnostic mechanisms that make reserves visible — working-time analysis, factor decomposition, benchmarking, and a system of key performance indicators — from mobilization mechanisms that activate them, including incentive design, lean and continuous-improvement methods, investment in skills and multi-functionality, selective digitalization, and the reorganization of work. The analysis shows that, unlike in large enterprises, the reserves of small firms lie less in capital-intensive technological change and more in work organization, motivation, and the quality of managerial attention. An integrated strategic cycle is proposed that treats the identification and mobilization of reserves as a single, continuous management process. The findings are applicable to entrepreneurs, advisory institutions, and policymakers, particularly in emerging economies where this sector carries a growing share of employment.

This paper examines the impact of Internet technologies on the development and management of the tourism industry. I took the Republic of Zimbabwe, which is located in southern Africa, as an example to reveal this topic. Zimbabwe is in the process of development, which could lead to a clash with an unstable economy and politics since 2000. Despite its rich cultural heritage, it has suffered negative experiences due to international advertising, a significant reason for the rapid spread of which is online platforms. It is accepted that information and communication technologies (ICT) are aimed at helping rapid growth, but this situation shows how they can harm the reputation of a tourist destination, which is in the stage of economic development. The study examines the main reasons for how tourism operations are changing, focusing on promotion, customer interaction and business efficiency under the influence of digital transformations. It also analyzes the significant problems for tourism enterprises when using Internet technologies, and recommends steps on how to achieve achievements and advantages over competitors using digital tools. Key topics are digital promotion tasks, distribution through social networks, the invention of online travel agencies (OTA), the use of big data and artificial intelligence (AI) and the unification of the Internet of Things (IoT) in the tourism industry. Finally, one can get acquainted with the application of the dual role of ICT in both promotion and potential instability in countries that are in the process of economic development.

This article highlights the urgent issues of ensuring and effectively managing the competitiveness of food industry enterprises under market economy conditions. It analyzes the need for innovative development of enterprises during economic reforms, improving production efficiency, enhancing marketing strategies, and introducing modern management mechanisms. Moreover, it outlines the prospects for achieving sustainable economic growth of industrial enterprises by developing a competitive environment, increasing export potential, and ensuring the stability of the domestic market with food products. The research results are of practical importance for determining strategic directions of competitiveness management and strengthening the economic stability of food industry enterprises.

In order to stabilize the financial situation in prestigious companies around the world, create new jobs and achieve economic growth, it is necessary to "switch to international standards of management, use transfer assessments in the process of concluding financial agreements in the cluster and cooperative system entities, provide financial and management reports on operational segments".

The article considers marketing strategy issues in improving and developing appraisal activities. The essence of marketing in the appraisal services market is revealed. The main task of the marketing strategy for the development of appraisal activities is formulated to satisfy the components of the concept of modern marketing of the appraisal services market development. The main factors for improving appraisal activities are formulated. The main components of asset promotion from sellers to buyers and their relationship with appraisal services are shown. The ways of improving advertising activities in the appraisal services market are shown.

Recent years, as a result of large-scale administrative reforms implemented in Uzbekistan, special attention is paid to the training, retraining and upgrading qualifications of civil servants. At this point, it is important to implement innovative technologies in the process of increasing the capacity, such us, knowledge of management personnel, create favorable conditions as well as virtual environment for them to work independently at any time and place. Taking this into account, this article analyzes the experience of advanced foreign countries on the possibilities of digital technologies, including artificial intelligence technologies in educational processes, and evaluates the competencies of management personnel of such modern technologies, their individual approach based on their potential, and mechanism of continuous development of their competencies has been created, in addition, suggestions and recommendations for its implementation are presented.

This article presents the formulas for calculating the tax potential of economic sectors and regions, as well as the development of existing innovative methods and methodological approaches in determining the main aspects of programs for the improvement of tax policy, the equalization of budget expenditure needs, and a wide range of economic-mathematical modeling and forecasting in order to increase the efficiency of public finance management. Proposals for the introduction of large-scale methods are presented.

This article presents a scientific analysis of the integration of artificial intelligence technologies into assessment systems in higher education. It examines the challenges of traditional assessment, such as subjectivity, rigidity, and dependence on the human factor. The potential of artificial intelligence tools to automate assessment, increase transparency and accuracy, and analyze student performance in real time is substantiated. The article also provides proposals for developing assessment models based on advanced international practices.

This article analyzes the significance of information and communication technologies (ICT) and the mechanisms for their effective use in ensuring the economic security of enterprises. Among the key structural components of economic security, information security holds a particularly important place. The article addresses the issues of protecting the enterprise's information environment, counteracting internal and external threats, managing information flows, and implementing legal, organizational, and software-technical measures to ensure security. Special attention is given to the types of modern ICT tools, their functional capabilities, and potential challenges that may arise during their implementation. Based on the analysis, the article provides recommendations for developing adaptive management systems, strategies for ensuring information security, and measures to enhance enterprise competitiveness.

This article analyzes the regulatory legal framework related to the National Sustainable Development Goals (NSDG) and evaluates the current state of budget expenditure tagging aligned with these goals. It highlights potential challenges in tagging budget expenditures to correspond with the NSDG and proposes recommendations for implementing a structured tagging procedure. Additionally, the article emphasizes the importance of integrating the tagging process with specific tasks under the NSDG framework, rather than focusing solely on overarching goals. This approach facilitates data-driven decision-making by enabling targeted allocation of funds, identifying NSDG areas that require additional financing, and assessing the effectiveness of expenditures. Examples are provided to illustrate how task-oriented tagging enhances budget planning and resource utilization.

This article examines the transformative role of neural networks in econometrics and financial decision-making, emphasizing their influence on personal finance, automation, healthcare, transportation, and human-computer interaction. Neural networks, inspired by the structure of the human brain, have the potential to revolutionize these sectors by enhancing efficiency, accuracy, and decision-making capabilities. In personal finance, they can optimize budgeting, savings, and expenditure management through automated models such as the McCulloch-Pitts neuron. In healthcare, neural networks improve diagnostic capabilities and enable predictive treatment. The article also highlights the applications of neural networks in econometrics to analyze financial patterns, detect fraud, and manage risks more effectively. However, it also addresses the ethical concerns related to data privacy, security, and biases in algorithmic decision-making, stressing the importance of responsible development. Ultimately, it concludes that, despite the challenges, the benefits of integrating neural networks into econometric models and financial systems are substantial and indispensable for modern advancements.

The textile and sewing and knitting industry of Uzbekistan is one of the dynamically developing sectors of our country's economy, which is facilitated by the availability of its own raw material base and the constantly growing demand for manufactured products. Due to its competitive potential, it occupies a leading position in attracting foreign investment in the organization of new enterprises, employment, export of products, and is also one of the strategically important areas in the global specialization of the national economy of the country. Based on this, it is important to develop strategies to reduce the cost of production, increase the competitiveness of domestic products on the world market, by optimizing the costs of textile industry enterprises.

This article examines the current issues in the development of employee training and development within the human resource management (HRM) system of organizations. In modern market conditions, improving the professional skills and potential of employees is one of the key factors for organizations. The article analyzes the importance of employee training and development, methods for effectively organizing this process, and the prospects for further development

Pilgrimage tourism is one of the promising areas of tourism development in the Republic of Uzbekistan. The article examines the main indicators and trends in the development of pilgrimage tourism in Uzbekistan, as well as its socio-economic consequences. The purpose of the study is to identify the role of pilgrimage tourism in the economy of the Republic of Uzbekistan, to determine the main indicators and trends in the development of this area of tourism. The ideas of the study are that pilgrimage tourism has significant potential for the development of the economy of Uzbekistan, creating jobs and improving the standard of living of the population.

The research contributes to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The practical significance of the study lies in the fact that its results can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this tourism area.
The methodological basis of the research is the economic and sociological approaches. The research uses methods such as statistical data analysis, including correlation and regression analysis; analysis of official legal documents and scientific literature, generalization, forecasting.
As a result of the study, the following main results were obtained. In 2022, about 313.9 thousand pilgrims visited the country, which is about 6% of the total number of international tourists. Revenues from pilgrimage tourism in 2022 amounted to 125.6 million dollars, which is about 1.52% of the GDP of the Republic of Uzbekistan. According to the forecast for 2023, the incoming tourist flow to the Republic of Uzbekistan will grow to 7 million people, the number of pilgrim tourists will amount to 420 thousand people. Then the income from pilgrimage tourism in 2023 It will amount to $168 million, and the total revenue from tourism will amount to $ 2.8 billion. Using correlation analysis, a direct noticeable correlation was revealed between employment in the tourism sector and income from tourism. Pilgrimage tourism is one of the promising areas of tourism development in Uzbekistan. The results of the study contribute to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The results of the study can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this area of tourism. In particular, the study can be used to improve the regulatory framework governing activities in the field of pilgrimage tourism; development of infrastructure for pilgrimage tourism; promotion of pilgrimage tourism in foreign markets.