This article analyzes the main factors influencing the level of financial literacy among the population. The research results show that the level of financial literacy depends on socio-demographic characteristics (age, gender, education level, income), financial knowledge, financial behavior, financial attitudes, and financial preparedness. In addition, family, marital status, national and religious characteristics, as well as an individual’s experience with financial products, play an important role in shaping financial literacy.

This article develops an econometric framework to formalize the determinants of consumer behavior and to quantify their effects on purchase decisions and consumption volumes. The analysis systematizes key drivers such as income and income uncertainty, prices and inflation expectations, household socio-demographic characteristics, access to information and digital channels, marketing exposure, and behavioral factors (trust and risk preferences). Methodologically, the study employs discrete-choice models (logit/probit) to estimate purchase probabilities, regression and panel data specifications (fixed/random effects) to model demand intensity, and strategies to mitigate endogeneity (instrumental variables and robustness checks). The proposed formalization supports evidence-based consumer policy design, market monitoring, and evaluation of interventions aimed at improving market transparency and consumer welfare.

This article explores the improvement of the accounting system for environmental investment expenses at enterprises in the construction materials industry. The study identifies that under the current national chart of accounts, such expenses are recorded under general production costs, limiting transparency and analytical control. Therefore, the paper proposes the introduction of a new account 8540 – "Financing of Environmental Investment Expenditures" and its sub-accounts 8541, 8542, and 8543. Comparative analysis with IFRS standards and practical implementation based on selected industrial companies were conducted to justify the effectiveness of the proposed model.

В статье рассматривается вопрос совершенствования стратегического планирования на текстильных предприятиях по результатам организации эффективных взаимоотношений с поставщиками ресурсов с целью снижения издержек и обеспечения бесперебойности производства.

In the article, the essence of the concept of leadership, traditional approaches to leadership, behavioral theories of leadership, personal characteristics of the leader, team activity management, leadership style in the enterprise management system, leadership management in the organization, leadership in conflict situations, issues related to innovative leadership, its pedagogical foundations, the content of training based on the improvement of leadership activities, forms, methods and tools, as well as the possibility of effective use of the obtained results, management and leadership activities in management, management functions, specific features of effective management of people's behavior and interactions are described in it.

Since gaining independence for all 33 years, Russia has been one of the key trade and economic partners of Uzbekistan, taking mainly the first positions in terms of trade turnover. In 2024, the two countries signed a number of strategic documents related to the economy, migration, education, tourism and other areas. There is a tendency to further strengthen economic and cultural relations between the two countries. In this regard, the relevance of knowledge of the Russian language is growing. What influence does the Russian language have in the interstate dialogue? In particular, what problems do migrants, students, and business entities face? And what needs to be done to solve the current problems related to knowledge of the Russian language? In this article, an analysis is carried out to answer the above questions.

In this article, based on the financial reports of the participants of the insurance market of Uzbekistan, the relationship between their financial indicators, in particular, the relationship between the return on capital, profitability, insurance reserve, is studied. As a control factor, the impact of companies' online search engine optimization (SEO) on financial performance was also assessed. Also, in the article, these relationships were statistically analyzed using two different models.