Academic Research in Educational Sciences
Volume 4 | Issue 4 | 2023
ISSN: 2181-1385
ISI: 0,967 | Cite-Factor: 0,89 | SIS: 1,9 | ASI: 1,3 | SJIF: 5,771 | UIF: 6,1
53
April, 2023
https://t.me/ares_uz Multidisciplinary Scientific Journal
O'ZBEKISTONDA MIKROMOLIYA TASHKILOTNING
BARQARORLIGINI TAMINLOVCHI OMILLAR TAHLILI
Shohruh Davron o‘g‘li Nazarov
O„zbekiston Respublikasi Bank-moliya akademiyasi magistranti
nazaroff-2017@mail.ru
ANNOTATSIYA
Ushbu maqolada O'zbekistondagi mikromoliya tashkilotlarning moliyaviy
hayotiyligini va ularning muvaffaqiyati yoki muvaffaqiyatsizligiga hissa qo'shadigan
omillarni baholashga qaratilgan. Tadqiqotda mamlakatdagi turli tipdagi MMTlarning
biznes modellarini tahlil qilish va subsidiyalar, grantlar
va boshqa moliyalashtirish
manbalarining ularning faoliyatini qo„llab-quvvatlashdagi rolini tahlil qilinadi.
Kalit so’zlar
: mikromoliyaviy xizmatlar, biznes modellari,
mikroqarz,
mikrokredit, mikrolizing, iste‟mol krediti, kambag‟allikni kamaytirish, me‟yoriy-
huquqiy baza.
ABSTRACT
This article aims to assess the financial viability of microfinance organizations
in Uzbekistan and the factors that contribute to their success or failure.
The study
analyzes the business models of different types of MNCs in the country and the role
of subsidies, grants and other funding sources in supporting their activities.
Keywords:
microfinance services,
business models, microcredit, microcredit,
microlease, consumer credit, poverty alleviation, legal framework.
KIRISH
O'zbekistonda mikromoliya institutlarining (MMT)
barqarorligi muhim
masaladir, chunki bu ularning mamlakatdagi kam ta'minlangan aholiga moliyaviy
xizmatlar ko'rsatishni davom ettirish qobiliyatiga ta'sir qiladi. MMTlarning moliyaviy
barqarorligiga bir qator omillar,
jumladan, muassasaning biznes modeli, bozordagi
raqobat darajasi va moliyalashtirish manbalarining mavjudligi ta'sir ko'rsatadi.
MMT barqarorligining asosiy omillaridan biri bu ularning biznes modelidir.
Har xil turdagi MMTlar donor mablag'lariga tayanadigan
notijorat tashkilotlardan
tortib,
kreditlar
bo'yicha
foizlar
orqali
daromad
keltiradigan
notijorat
tashkilotlarigacha bo'lgan turli modellarga ega. O'zbekistondagi
ba'zi MMTlar ham notijorat va notijorat modellari jihatlarini
birlashtirgan gibrid modelni qo'llagan.
