Яшил иқтисодиёт ва тараққиёт Volume 3 (2025)

IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN

Mamatova, Sevara

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Abstract

The article examines the efficiency of retail lending in commercial banks of Uzbekistan, focusing onUzsanoatqurilishbank and Aloqabank. Statistical analysis was used to identify key factors affecting retail creditperformance, including household income, inflation, refinancing rate, deposits, and interest margins. The results showthat lending efficiency depends on effective risk management, competitive interest policies, and digital transformation inthe banking sector.

retail lending, bank margin, deposits, refinancing rate, inflation, household income, credit efficiency

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Cite

APA 7 
Mamatova, Sevara (2025). IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN. Яшил иқтисодиёт ва тараққиёт, 3.
GOST R 7.0.5 
Mamatova, Sevara IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN // Яшил иқтисодиёт ва тараққиёт. 2025. Т. 3.
BibTeX 
@article{sevara2025,
  author  = {Mamatova, Sevara},
  title   = {IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN},
  journal = {Яшил иқтисодиёт ва тараққиёт},
  year    = {2025},
  volume  = {3}
}
RIS 
TY  - JOUR
AU  - Mamatova, Sevara
TI  - IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN
JO  - Яшил иқтисодиёт ва тараққиёт
PY  - 2025
VL  - 3
ER  -