Илғор иқтисодиёт ва педагогик технологиялар 2-том 2-нөмір (2025) · 348-352-беттер
DIRECTIONS FOR IMPROVING SMALL BUSINESS LENDING MECHANISMS IN UZBEKISTAN
Umarova, Iroda, Умарова, Ирода, Umarova, Iroda
Аңдатпа
This article analyzes the current state of the credit system for small and medium-sized enterprises (SMEs) in Uzbekistan. Based on international experience and empirical research, the main constraints in SME financing are identified. The paper proposes strategic measures aimed at developing credit information infrastructure, introducing collateral-free lending mechanisms, promoting digital financing tools, and strengthening public guarantee schemes.
small and medium-sized enterprisescredit systemfinancial inclusioncollateral policydigital financingмалый и средний бизнессистема кредитованияфинансовая инклюзиязалоговая политикацифровое финансирование
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