IMPROVING THE CORPORATE LENDING SYSTEM FOR SMALL AND MEDIUM- SIZED ENTERPRISES IN UZBEKISTAN
DOI:
https://doi.org/10.5281/zenodo.23018799Annotatsiya
The article analyzes the current state and key problems of corporate lending to small and medium-sized enterprises (SMEs) in Uzbekistan. It examines the dynamics of bank lending, government support measures, and the participation of international financial institutions. The main constraints identified are the insufficient financial transparency of borrowers, the imperfection of creditworthiness assessment, and the weak development of factoring and leasing. Measures are proposed for introducing alternative scoring and expanding credit guarantees.Kalit soʻzlar
corporate lending, small and medium-sized business, credit guarantees, factoring, leasing, alternative scoring, UzbekistanFoydalanilgan adabiyotlar roʻyxati
Aimbetov, A. D. (2025). Dynamics of SME Lending Development in Uzbekistan. Innovations in Science and Technologies, 2(8), 74–79.
Beck, T., & Demirgüç-Kunt, A. (2006). Small and Medium-Size Enterprises: Access to Finance as a Growth Constraint. Journal of Banking & Finance, 30(11), 2931–2943.
Berger, A. N., & Udell, G. F. (2006). A More Complete Conceptual Framework for SME Finance. Journal of Banking & Finance, 30(11), 2945–2966.
Klapper, L. (2006). The Role of Factoring for Financing Small and Medium Enterprises. Journal of Banking & Finance, 30(11), 3111–3130.
Azimova, Sh. S., & Nazarova, D. B. (2021). Analysis and Assessment of the Creditworthiness of Business Entities by Commercial Banks of the Republic of Uzbekistan. Young Scientist, (40), 55–59.
Central Bank of the Republic of Uzbekistan. Information on Types of Loans as of 1 January 2026. URL: https://cbu.uz/en/statistics/bankstats/3326290/
World Bank. Improved Access to Finance to Help 7,000 Businesses in Uzbekistan Grow and Create Jobs [Press release]. Washington, D.C., 15 December 2025. URL: 7000-businesses-in-uzbekistan-grow-and-create-jobs
World Bank. Uzbekistan — Access to Finance for Jobs and Growth (FINGROW) Project (P511700): Project Appraisal Document. Washington, D.C., 2025. URL:
International Finance Corporation. IFC Supports Smaller Businesses and Women Entrepreneurs in Uzbekistan [Press release]. Tashkent, 19 June 2024. URL:
International Finance Corporation. IFC Helps Expand Financing for Uzbekistan's Small Businesses under First Investment through the Catalytic First Loss Guarantee [Press release]. Tashkent, 20 July 2026. URL: https://www.ifc.org/en/pressroom/2026/ifc-helps-expand-financingfor-uzbekistan-s-small-businesses-under-first-investmen EʼLON !!! Oʻzbekiston Respublikasi OAK Rayosatining qarori bilan “Moliya” ilmiy jurnali iqtisodiyot fanlari boʻyicha falsafa doktori (PhD) va fan doktori (DSc) ilmiy darajasiga talabgorlarning dissertatsiyalari yuzasidan asosiy ilmiy natijalarini chop etish uchun tavsiya etilgan ilmiy nashrlar roʻyxatiga kiritilgan va jurnal iqtisodiy ilmiy nashr boʻlib, bosma holatda bir yilda 6-marta chop etilib, jurnalning har sonida ilmiy ishlanmalar iqtisodiy fanlar boʻyicha ilmiy tadqiqot yoʻnalishlariga mos holda oʻzbek, rus, ingliz tillarida maqolalar chop etib kelindi. Bugungi kunda raqamli iqtisodiyot va elektron axborotlar almashinuv davrida ilmiy jurnallarning ham faoliyati raqamlashtirilmoqda. Shu boisdan, ilmiy jurnalni yaqin istiqbolda Xalqaro jurnallar bazasi safidan joy olishini, chop etiladigan maqolalarga qoʻyiladigan talablarni IMRAD usuli asosida ishlab chiqilishi, xalqaro bazalarda identifikatsiyalanishini eʼtiborga olib, Toshkent davlat iqtisodiyot universiteti kengashi majlisining 5-sonli bayonnomasiga asosan “Moliya” ilmiy jurnalini elektron shaklga oʻzgartirildi va 2025-yil yanvar oyidan boshlab iqtisodiy fanlar boʻyicha ilmiy tadqiqot yoʻnalishlariga mos holda oʻzbek, rus, ingliz tillarida maqolalar elektron chop etiladi. ☎️Murojaat uchun @moliya2025 telegram sahifasi yoki +998950746000, +998914536467 telefon raqamlariga bog'lanishingiz mumkin. Jurnalning har bir soni https://moliya.tsue.uz sayti orqali elektron nashr etiladi. Ehtirom bilan, Moliya ilmiy jurnali tahririyati. https://t.me/moliya2025 ✔️https://moliya.tsue.uz
Yuklab olishlar
Nashr etilgan
Qanday iqtibos keltirish kerak
Son
Boʻlim
Litsenziya
Mualliflik huquqi (c) 2026 Faridun Firdavsievich Usmonov, Aziza Makhomadrizoevna Karimova
Ushbu asar Creative Commons Attribution 4.0 International litsenziyasi asosida tarqatiladi.