Яшил иқтисодиёт ва тараққиёт Volume 4 (2026)
THE IMPACT OF DEMOGRAPHIC CHANGES ON BANK LENDING STRATEGIES
Usmonov Faridun F., Ishonkulova, Feruza
Abstract
This article examines how changes in population composition affect banking operations and lending strategiesin Uzbekistan. Various borrower groups are considered — youth, middle-aged individuals, pensioners, rural residents,and labor migrants. For each group, the study analyzes their habits, risks, and the products they actually need. Specialattention is given to countries with young populations, where access to digital loans is growing faster than financial literacy.The article concludes with practical recommendations grounded in concrete examples rather than abstract theory
demographic changes, lending policy, population ageing, youth and loans, rural lending, financial inclusion, digital credit, financial literacy, Central Asia
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