1-Article

SCIENTIFIC AND THEORETICAL BASIS FOR THE DEVELOPMENT OF THE ECONOMY OF UZBEKISTAN BASED ON THE CATEGORY OF PROPORTIONALITY

Turaev Shavkat

The article examines the scientific and theoretical aspects of the development of the economy of Uzbekistan based on the category of proportionality. The study proposes a concept of economic development based on proportionality and develops strategies for the transition to a green economy for the period up to 2030. The article presents statistical data, econometric models and forecasts based on them.

2-Article

SCIENTIFIC METHODS OF CLASSIFICATION OF ECONOMIC CONCENTRATION AND COMPETITIVE ENVIRONMENT: APPLICATION OF HHI AND CR3 INDICES IN UZBEKISTAN

Ruziyev Bakhtiyor

барқарор статистик база. Мақолада хусусийлаштиришни қўллаб-қувватлаш, кичик ва ўрта бизнесни рағбатлантириш ва рақобатбардош бозор муҳитини ривожлантириш бўйича халқаро стандартларни жорий этиш бўйича тавсиялар берилган.The article examines the application of international scientific methods to assess economic concentration and competitive environment based on the Herfindahl-Hirschman Index (HHI) and the CR3 concentration coefficient. The main focus is on theoretical aspects and the possibility of adapting these indicators to the conditions of the economy of Uzbekistan. The results of the study reveal the dominant role of state-owned enterprises, the low level of participation of small and medium businesses and the lack of a sustainable statistical base. The article offers recommendations to support privatization, stimulate SMEs and implement international standards for the development of a competitive market environment.

3-Article

THEORETICAL BASIS OF ORGANIZING THE DIGITAL ECONOMY IN COMMERCIAL BANKS

Kurbonova Durdona

The article analyzes the theoretical and practical foundations of organizing the digital economy in commercial banks. Digital transformation processes create opportunities to improve the efficiency of banking services, reduce operating costs and effectively meet customer needs. The study analyzes the impact of digital technologies, including mobile banking, Internet banking and security technologies, on the activities of commercial banks based on statistical data. Investment efficiency is predicted based on a regression model emphasizing the role of banks in digitalization.

4-Article

ANALYSIS OF THE EFFICIENCY OF ORGANIZATIONAL, ECONOMIC AND INVESTMENT ACTIVITIES OF JV OOO ``SAMAVTO``

Косимова Нозима

Although investments and the activities based on them provide financial and technological relief, this in turn emphasizes the need to take into account organizational and legal issues in the second stage of economic equilibrium. Today, investment activities based on innovation, digital technological change and alternative transformation processes are no longer sufficient; Business models must make maximum use of the production potential of their internal environment, increase their competitiveness in the external environment, i.e. in the market, and also increase their investment attractiveness. has become an urgent problem

5-Article

ISSUES OF ORGANIZATIONAL AND ECONOMIC ASSESSMENT OF MOTOR TRANSPORT SERVICES IN THE ACTIVITIES OF LOCAL GOVERNMENT BODIES

Kurbanova Maftuna

The article considers the improvement of the principles of state regulation of the service sector, taking into account the current state of development, servicization of the transport industry, and the formation of a modern economy. Fundamental changes occurring under the influence of each of the listed trends were identified, and the features of the current state of the service sector were analyzed. The article identified and disclosed the factors that determine the high rates of development of the service sector, one of which is the study of world experience in the field of state regulation of the transport system. Mechanisms that contribute to the optimization of the development of the transport sector were also identified. This will contribute to the comprehensive development of the industry.

6-Article

ANALYSIS AND ASSESSMENT OF THE STATE OF MARKETING DEVELOPMENT IN THE TELECOMMUNICATION SERVICES SECTOR OF UZBEKISTAN

Ochilov Laziz

The article is devoted to the scientific analysis of the development processes of the telecommunications services sector in the Republic of Uzbekistan. The study emphasizes the importance of marketing strategies, the impact of the digital economy on the telecommunications sector, economic efficiency indicators, investment management mechanisms, and promising areas for the implementation of innovative technologies. Proposals and recommendations for optimizing communication services have been developed.

7-Article

ORGANIZATIONAL AND ECONOMIC ANALYSIS OF LOGISTICS INFRASTRUCTURE IN THE CONTEXT OF ELECTRONIC TRADE DEVELOPMENT

Zaripov Alisher

The scientific article analyzes the role of logistics infrastructure and its organizational and economic aspects in the development of e-commerce. Based on statistical data, the efficiency, technological innovation and economic efficiency of the logistics system required to support e-commerce processes were studied. The article analyzes methodological approaches and economic efficiency of optimizing logistics services based on the regression model and TOPSIS technology. At the same time, using international experience and Uzbekistan as an example, the role of logistics infrastructure in the development of e-commerce is emphasized.

8-Article

STRATEGY FOR SOLVING PROBLEMS OF DEVELOPING INNOVATIVE ACTIVITIES OF NAVOI MINING AND METALLURGICAL PLANT

Kurbanova Mexriniso

This article presents the results of research aimed at developing the innovative activities of JSC Navoi KMK, its digital transformation and improving management processes. To increase the innovative potential of the enterprise, new strategies have been developed for the use of digital technologies, the introduction of a management project office, automation of production processes, and cost optimization. The study examined mechanisms for improving the efficiency of decision-making processes based on mathematical modeling and statistical analysis. These mechanisms contribute to increasing the overall efficiency of production and innovative activity of the enterprise.

9-Article

METHODOLOGY FOR DEVELOPING DIGITAL COMPONENTS OF TEXTILE INDUSTRY ENTERPRISES

Abdullayeva Dilfuza

This article is dedicated to clarifying the concept of digital components, proposing innovative solutions to improve the efficiency of textile enterprises, and analyzing their economic results.

10-Article

INCREASING THE EFFICIENCY OF ENTERPRISE INNOVATION ACTIVITY

Shaizlamova Muazzam

This article examines the issues of increasing competitiveness and expanding economic growth opportunities through the effective organization of innovative activities of enterprises. Special attention is paid to resource efficiency, the introduction of new technologies, staff training, and improving the internal management system of the enterprise as important factors for the development of innovative activities. This topic serves to ensure sustainable economic growth by supporting innovative development and is a key factor in strengthening the competitiveness of enterprises.

11-Article

PROSPECTS FOR INCREASING THE EFFICIENCY OF INNOVATION AND INVESTMENT ACTIVITIES IN DIGITALIZATION OF OIL AND GAS INDUSTRY ENTERPRISES

Jurabekov Mamurjon

В статье анализируются перспективы повышения эффективности инновационно-инвестиционной деятельности на предприятиях нефтегазовой отрасли. Изучаются процессы трансформации цифровых технологий, их экономическая эффективность, методы управления рисками. На основе метода «эффективности портфеля» разрабатываются уровень абсорбции риска инвестиций и их будущие перспективные прогнозные показатели. Также был проведен статистический анализ с использованием IBM SPSS Statistics для определения внедрения и эффективности современных технологий в нефтегазовом секторе.

12-Article

PROSPECTS FOR DEVELOPMENT OF ORGANIZATIONAL ECONOMIC ACTIVITIES OF “UZBEKNEFTEGAZ” JSC

Zuxurova Nargiza

This article analyzes the prospects for the development of the organizational and economic activities of Uzbekneftegaz JSC. The importance of using the Balanced Scorecard (BSC) model and introducing innovative production mechanisms in increasing the company`s efficiency is highlighted. Also, the results of forecasting the company`s production volume and increasing the technological level using the Cobb-Douglas production function are economically justified.

13-Article

MODERN SOLUTIONS OF THE DIGITAL ECONOMY IN POSTAL SERVICE PROVISION

Mamatkulov Ghulom

This article analyzes modern solutions of the digital economy in the provision of postal services. Digitization processes are aimed at increasing the efficiency of postal services, creating convenience for consumers and reducing operating costs. The study highlights the modernization of the postal industry through modern technologies, including blockchain, IoT (Internet of Things), artificial intelligence and big data analysis.

14-Article

APPLICATION OF ``EDUCATION DONORS`` MODEL AND ITS PROSPECTS IN INNOVATIVE ACTIVITY IN SELF-FINANCE OF HIGHER EDUCATION INSTITUTIONS

Rahimova Umidakhon

This article is devoted to the study of the introduction and prospects of the ``educational donors`` model in ensuring the financial stability of higher education institutions. In the rapidly changing global economic landscape, the issues of increasing the innovative potential of the higher education system and ensuring sustainable development by attracting the resources of private donors are analyzed.

15-Article

EFFECTIVENESS OF IMPLEMENTING ORGANIZATIONAL ARCHITECTURE STRATEGY IN PASSENGER SERVICE

Rakhmоnov Gayrat

This study is devoted to the development of an organizational architecture strategy to improve the efficiency of passenger service processes in railway transport. The study uses invariant analysis, clustering, and statistical evaluation methods. Diversification of services, clustering mechanisms, and digitalization opportunities are considered, and an efficiency analysis is conducted on the example of the Tashkent-Samarkand-Bukhara-Karshi route.

16-Article

THE ROLE OF ARTIFICIAL INTELLIGENCE IN THE DIGITALIZATION OF THE INSURANCE MARKET

Saidov Farrukh

This scientific article comprehensively analyzes the unique role of digital technologies, in particular, artificial intelligence (AI) in the insurance market, how it affects the processes of customer service, risk analysis and effective management of insurance operations. Artificial intelligence is considered as the main driving force in the digital transformation of the insurance market and is based on global experiences, in particular, the best practices of the USA, the European Union and Asian countries. The article presents foreign experience, scientific and methodological approaches and examples of their application in practice. The analytical data carried out within the framework of the study are presented using tables and figures.

17-Article

PARTICIPATION OF THE CREATIVE ECONOMY. HOW TECHNOLOGY AND CREATIVITY ARE CHANGING OUR WORLD

Yodgorova Mukhayyo

The advent of the fourth industrial revolution in the economic sector has come with a more interesting name, as the creative economy. The creative economy is currently one of the largest consumers of digital services [1]. The latest trend is also innovative production. It is important to emphasize that today`s generation of workers grow up with technology in their hands. Since the beginning of the development of the creative economy, there are some shortcomings, ranging from funding to technological barriers. In this article, you will learn how creativity and technology will affect the thinking of humanity.

18-Article

DEVELOPMENT OF THE DIGITAL AND CREATIVE ECONOMY WITHIN THE FRAMEWORK OF THE FORMATION OF A POST-INDUSTRIAL AND INFORMATION SOCIETY

Nabiyeva Anorgul, Mutalipova Zukhra

The article is devoted to theoretical approaches to assessing the development of digital, information and creative economies as one of the main models of post-industrial development of society. The article contains a conclusion that in the conditions of post-industrial society, a new type of economy is formed and developed, which is defined as a ``creative economy``, ``information economy``, ``digital economy``, ``knowledge economy``, ``intellectual economy``, ``innovative economy``, etc. Moreover, what is common to all these types of economies is that the main resource for socio-economic development and growth is the large-scale use of the latest scientific knowledge, innovative technologies and innovations in social production.

19-Article

THEORETICAL FOUNDATIONS OF THE USE OF DIGITAL TECHNOLOGIES IN THE DIGITAL ECONOMY AND MEDICAL SERVICES MARKET

Parpiyeva Malika

The article discusses the effectiveness of using digital technologies in the digital economy and medical services marketing. The article is devoted to trends in the digital economy, medical services marketing, and customer (patient) research in order to improve the quality of medical services by ensuring competition in the healthcare system, in particular, the medical services market. It presents methods that can be used to conduct analysis for each trend.

20-Article

PROBLEMS OF IMPLEMENTING DIGITAL TECHNOLOGIES IN BUSINESS PROCESSES AND WAYS TO OVERCOME THEM

Djalalov Jamoliddin

The article is aimed at assessing the effectiveness of implementing digital technologies in business processes. Digital transformation and its impact on business processes, problems of implementing digital technologies, analysis of the effectiveness of digital transformation and proposals are presented. The necessary approaches, resources and best practices for the successful integration of digital technologies into business processes are studied. Also, ways to increase the effectiveness of digital transformation are proposed.

21-Article

DEVELOPMENT OF CYBER-ECONOMIC ACTIVITY OF ENERGY INDUSTRY ENTERPRISES

Karabayev Eldor

The article analyzes the directions of development of cyber-economic activities of energy industry enterprises. The possibilities of increasing production efficiency, reducing costs and strengthening information security through the introduction of modern digital technologies are considered. The study analyzes the economic efficiency of digital technologies, the use of technologies such as IoT, AI and Big Data. It also provides proposals for developing a cybersecurity system and expanding cooperation at the national level.

22-Article

MODERN TRENDS IN MECHANISMS FOR ACHIEVING ECONOMIC SUSTAINABILITY OF AN ENTERPRISE

Iminova Nargizakhon

This article analyzes new approaches and current trends in achieving economic sustainability for enterprises. The company`s financial management, investment strategy, and use of innovative technologies are considered as important factors. A detailed analysis of mechanisms for adapting to the changing economic environment, as well as the impact of digital transformation and sustainability indicators on enterprise performance, is presented.

23-Article

THE IMPORTANCE OF STATE PROGRAMS, YEARS AND MEASURES IN THE FURTHER DEVELOPMENT OF THE COUNTRY`S ECONOMY

Bobojonova Zarnigor

The article analyzes the role and importance of state programs, year names, and measures being implemented in the further development of the country`s economy. The programs adopted by the state determine the main priority areas of socio-economic development and are of great importance in ensuring the well-being of the population. Issues such as modernization of economic sectors, introduction of innovations, and efficient use of resources are also studied.

24-Article

INVESTITSIYALAR QIYMATINI BAHOLASH BO‘YICHA SANOAT KORXONALARI FAOLIYATI

Rakhmonkulova Guliraʼno

Maqolada investitsiyalarning ahamiyati, mehnat bozoridagi o`zgarishlarning shakllanishi va rivojlanishiga ta`sir etuvchi sabablar va omillar, investitsiyalardan mamlakat sanoat sektorida foydalanish holati o`rganiladi, tahlil qilinadi va tavsiflanadi.

25-Article

FOREIGN COUNTRIES` EXPERIENCE IN INCREASING THE EFFICIENCY OF RAILWAY TRANSPORT SERVICES AND ITS APPLICATION LEVEL

Rakhmonov Gayrat

Railways are significantly superior to other types of land transport in terms of timely and high-speed mass transportation, and often demonstrate advantages in terms of energy efficiency, environmental impact, and other aspects. In addition, it is a means of transport that is widely used in everyday life, such as commuting to work and school, and plays an important role as the basis for regional development, which has a large external economic impact. The article presents relevant issues and studies world experience.

26-Article

IMPACT OF THE DIGITAL ECONOMY ON ECONOMIC GROWTH

Tarakhtiyeva Gulmira

This article examines the impact of the digital economy on economic growth. It analyzes the processes of economic efficiency and innovative development as a result of the introduction of digital technologies through factors such as e-commerce, digital infrastructure, artificial intelligence, and big data analytics. The study assesses the main indicators of the digital economy and models their impact on economic growth.

27-Article

SELF-BALANCING MECHANISM: DIMINISHING RETURNS TO CAPITAL IN THE SOLOW MODEL

Khurramov Shohboz

This article analyzes the diminishing returns to capital and its functioning as a self-balancing mechanism in the economy based on the Solow model. The study highlights the role of capital accumulation, technological development, and human capital investments in achieving economic stability. The article analyzes economic indicators for the last five years and presents their dynamics in figures and tables.

28-Article

SCIENTIFIC AND ECONOMIC BASIS OF DIGITALIZATION OF THE EMERGENCY SERVICE SYSTEM IN MEDICINE

Yangiboyev Umidjon

This article examines the scientific and economic aspects of digitization in the healthcare system, in particular, emergency services. Digital technologies allow for effective management of emergency services, reduction of service times, and accurate recording of patient status. The study analyzes the application of ICT technologies, the efficiency and economic impact of automated systems. It also proposes a new model based on existing infrastructure, network services, and geospatial data.

29-Article

THEORETICAL BASIS FOR ASSESSMENT AND MECHANISMS FOR REDUCING RISKS IN TEXTILE INDUSTRY ENTERPRISES

Khudaynazarova Dilorom

Today, the implementation of such measures as the creation of economic mechanisms aimed at assessing and reducing risks, improving existing mechanisms, as well as activating strategic ones, stimulates investment funds and management of investment flows aimed at increasing the efficiency of industrial enterprises in the country`s economy. Management of production activities taking into account the risks of further organizational and economic, technical and technological, financial stability and the priority of labor in the context of global economic changes, foreign experience has been studied in developing specific strategies, their implementation and a mechanism for ensuring economic stability with performance indicators, a study of risks and regulation of enterprises in our country, scientific, methodological and practical proposals and recommendations.

30-Article

IMPLEMENTATION OF THE CONCEPT ``SAFE CITY``

Iminov Akbarjon

In accordance with the Decree of the President of the Republic of Uzbekistan dated November 29, 2021 No. UP-27, the Concept of Public Security of the Republic of Uzbekistan was approved, which established the fundamental tasks for carrying out work on the creation and development of modern and intelligent systems for managing urban and territorial infrastructure, including the provision of services in the housing and communal services sector, transport logistics, emergency services, as well as their mutual integration and unification with a single hardware and software complex ``Smart City`` and ``Safe City`` [1]

31-Article

FINANCIAL MONITORING OF THE INVESTMENT ATTRACTIVENESS OF ``ALMALYK MINING AND METALLURGICAL PLANT`` JSC

Mukhitdinova Kamola

The article discusses methods for assessing additional financial sources of investment activity in the region. The author analyzed financial monitoring indicators and developed the results of Fibonacci financial correction trends for investment diversification.

32-Article

SCIENTIFIC EVALUATION BASIS FOR EXPANDING DIRECTIONS IN SERVICE ACTIVITIES

Gofurov Ravshan

This article discusses the process of diversifying the service activities of telecommunications enterprises and its strategic importance in modern economic conditions. The article analyzes the possibilities of increasing the competitiveness of telecommunications companies, reducing financial risks and creating new sources of income by expanding the service portfolio. It also discusses the scientific foundations of diversification strategies based on the Ansoff matrix, the Herfindahl-Hirschman index, the entropy index, Porter`s five forces model, the BCG matrix and the 5D model, and evaluates the effectiveness of the service system through their mathematical models. The prospects for the development of digital services are studied in the context of international experience and local conditions.

33-Article

ASSESSMENT OF INVESTMENT ACTIVITY IN AUTOMOBILE INDUSTRY ENTERPRISES OF UZBEKISTAN

Kasimova Nozima

This article discusses the current issues of investment activity in the automotive industry of Uzbekistan, existing problems, changes in production volumes and measures being taken in accordance with environmental requirements. It is noted that in recent years, the potential for automobile production and export has increased, and initiatives for the development of the electric vehicle industry have intensified. The article also draws attention to the role of investments in the context of dynamic instability in automobile production, domestic demand and the changing competitive environment. Changes in the volume of automobile production, passenger transportation, and bus production are analyzed in depth using tables and graphs.

34-Article

INNOVATIVE DIRECTIONS FOR INCREASING SERVICE EFFICIENCY IN TELECOMMUNICATIONS ENTERPRISES

Ibadullayev Sanjar

This study analyzes innovative approaches aimed at improving the efficiency of telecommunications enterprises in providing services. Within the framework of the study, advanced technologies and management methods were used to improve the quality of services, meet customer needs, and ensure competitiveness. The issues of optimizing service processes and creating comfortable conditions for users through the development of modern telecommunications infrastructure were discussed. The study highlights the results of the study based on the combination of theoretical and practical aspects and formulates relevant conclusions. The results obtained serve to further improve the activities of telecommunications enterprises.

35-Article

INCREASING THE INVESTMENT ATTRACTIVENESS OF THE AUTOMOBILE INDUSTRY OF UZBEKISTAN

Yakubova Dildar

The article examines the current state and development prospects of the automobile industry in Uzbekistan, including investment activities, production achievements and measures to improve the competitiveness of the industry. Specific results of investment projects are presented, including the creation of new jobs and the growth of production capacity. Proposals for the further development of the investment attractiveness of the industry are developed.

36-Article

OPPORTUNITIES FOR DEVELOPING THE ``ELECTRONIC MEDICAL SERVICES`` SECTOR IN UZBEKISTAN IN THE CONDITIONS OF THE DIGITAL ECONOMY

Parpiyeva Malika

The prospects for the development of the ``electronic medical services`` system in the context of the digitalization of the economy of Uzbekistan are highlighted. The article is devoted to the trends in the digital economy, medical services marketing, in order to improve the quality of medical services by ensuring competition in the healthcare system, in particular, in the medical services market, and presents methods that can be used to conduct an analysis of each trend.

37-Article

SOCIO-ECONOMIC AND LEGAL ANALYSIS OF THE PROVISION OF DIGITAL SERVICES IN THE COUNTRY

Khakimdjanova Dildora

This article highlights the importance of digital service governance in ensuring economic and social sustainability. It highlights the role of digital technologies such as artificial intelligence, cloud technologies, and blockchain in increasing efficiency and transparency. It also discusses the need for a legal and regulatory framework that supports digital transformation in Uzbekistan.

38-Article

PROSPECTS FOR DEVELOPMENT OF THE INSURANCE SECTOR IN UZBEKISTAN

Iminov Tokhirjon

This article analyzes the current issues and prospects for the development of the insurance sector in Uzbekistan. The article identifies the main problems, such as unhealthy competition, lack of reinsurance capacity, non-compliance with actuarial calculations, and shortcomings in the personnel training system. Also, based on foreign experience, specific proposals are given to improve the insurance market, increase financial stability, gain investor confidence, and provide quality customer service. The article is of practical importance for industry experts, researchers, and policymakers

39-Article

PROSPECTS FOR THE DEVELOPMENT OF MODERN SERVICES IN COMMERCIAL BANKS AND THEIR WAYS (ON THE EXAMPLE OF “ANOR BANK” JSC)

Erkinova Feruza

Тижорат банкларида замонавий банк хизматларини хамда банкларни муваффақиятли фаолияти фақат молиявий хизматлар билан боғлиқ эмас, балки уларнинг инноватив ва технологик ривожланишига ҳам бевосита боғлиқ. Бугунги кунда замонавий янги хизматлар ва технологияларни жорий қилиш, мижозларга сифатли ва тезкор хизматларни тақдим этиш, рақобатбардошликни оширишда рақамли банклар муҳим ўрин тутади. Тижорат банкларининг асосий йўналишларидан бири бу рақамли трансформация, шунингдек, мобил ва интернет банкинг хизматларини кенгайтириш янги банк маҳсулотларини ишлаб чиқиш ҳисобланади. Ушбу мақолада, тижорат банкларида замонавий хизматларни ривожлантириш истиқболлари ва уларнинг иқтисодиётга таъсири хамда замонавий банк хизматлари ҳақида сўз юритилади.

40-Article

WAYS TO INCREASE THE FINANCIAL STABILITY OF COMMERCIAL BANKS

Khakimova Maftuna

The impact of internal (resource base, liquidity, risk management) and external (economic crises, market conditions) factors on bank stability is considered, and recommendations are made to increase the level of capitalization and investment activity. The experience of increasing the authorized capital of banks in Uzbekistan based on Resolution No. PQ-3066 of 2017 is used as an example to substantiate the importance of reforms that serve to create a solid foundation for the banking system.

41-Article

ECONOMIC FEATURES OF MECHANISMS FOR WORKING WITH PROBLEM LOANS IN COMMERCIAL BANKS

Khoshimov Khasan

This article provides information on the analysis of the current state of work with problem loans in commercial banks, which is a serious threat to the stability of the banking system and will have a negative impact on the financial stability of the bank in the future. This study examines modern methods of managing problem loans in commercial banks and ways to improve them. The work covers the issues of analyzing the loan portfolio, assessing risks, improving the credit monitoring system and developing restructuring mechanisms.

42-Article

ASSESSMENT OF THE GREEN INVESTMENT AND GREEN STRATEGIC STATE OF “ALMALYQ KMK” JSC

Ramatov Zafarbek

This study analyzes the activities of “Almalyq KMK” JSC on the path to a green economy, environmental performance indicators, green investment strategies and experiences in implementing a circular economy. Production efficiency, resource utilization rate, waste reduction, recycling infrastructure and transition to green energy sources were assessed based on numerical indicators. A sustainable development strategy was developed based on the green economic labor efficiency, environmental costs, energy saving level and economic results of innovative activities. The study was conducted in accordance with the “Uzbekistan-2030” strategy and international environmental principles, and practical proposals were formulated.

43-Article

STAGES OF IMPROVEMENT OF BANKS` ASSETS AND LIABILITIES MANAGEMENT

Atajonov Alisher

This article systematically studies the stages of improving the process of managing assets and liabilities of commercial banks and modern approaches aimed at increasing their efficiency. In particular, the methods of risk management, capital and liquidity management used to optimize banking activities are analyzed, comparative analysis is carried out with the best practices of foreign banks. Also, problems encountered in asset and liability management are identified and practical and strategic recommendations are developed to eliminate them.

44-Article

FIRMOGRAPHIC ANALYSIS OF THE STATE UNITARY ENTERPRISE ``AUTOTRANSPORT SERVICE`` UNDER THE TASHKENT CITY KHOKIMIYAT

Kurbanova Maftuna

This article is devoted to the firmographic analysis of the State Unitary Enterprise (SUE) ``Autotransport Service`` under the Tashkent City Khokimiyat. Firmographic analysis allows you to deeply study the activities of the enterprise, identify its strengths and weaknesses, assess the level of competitiveness and develop a strategy for further development. The article considers the issues of the organizational and economic form and type of activity of the SUE, its place in the market, the level of competitiveness. In addition, the article provides an analysis of the financial condition and economic efficiency of the SE ``Autoservice``, service provision processes, development prospects and recommendations.

45-Article

KORXONALARDA RAQAMLI TRANSFORMATSIYA JARAYONIDA INSON KAPITALINI RIVOJLANTIRISHNING ZAMONAVIY YONDASHUVLARI

Murodova Zilola

Ushbu maqolada korxonalarda raqamli transformatsiya jarayonida inson kapitalini rivojlantirishning zamonaviy yondashuvlari chuqur tahlil qilingan. Raqamlashtirish jarayonining korxona boshqaruvi, kompetensiya modeli, HR-Tech texnologiyalari, xodimlar malakasini oshirish tizimlari va raqamli ko‘nikmalar dinamikasiga ta’siri ilmiy manbalar asosida o‘rganilgan. Maqolada World Economic Forum (2023), McKinsey (2022), Deloitte (2022), OECD (2021) hamda O‘zbekiston Statistika agentligi (2023) ma’lumotlari asosida global va milliy tendensiyalar qiyosiy tahlil qilinadi. Xodimlarning raqamli savodxonligi, analitik fikrlashi, texnologiyalar bilan ishlash ko‘nikmalari korxona raqobatbardoshligining asosiy omili ekani asoslab berilgan. Tadqiqot natijalari korxonalarda raqamli o‘quv ekotizimlari, HR-Analytics, kompetensiya xaritalash va AI asosida baholash tizimlarini joriy etish zarurligini ko‘rsatadi. Yakunda inson kapitalining raqamli iqtisodiyot sharoitida korporativ innovatsion rivojlanishning strategik drayveri ekanligi xulosa qilinadi.

46-Article

STRATEGIK REJALASHTIRISH JARAYONLARI VA KORPORATIV BOSHQARUV MEXANIZMLARINI TAKOMILLASHTIRISHNING INNOVATSION YO‘NALISHLARI

Iminova Nargizaxon

Mazkur maqolada strategik rejalashtirish jarayonlari va korporativ boshqaruv mexanizmlarining zamonaviy rivojlanish tendensiyalari, ularning o‘zaro bog‘liqligi hamda innovatsion yondashuvlar asosida takomillashtirish imkoniyatlari ilmiy tahlil qilindi. Raqamli texnologiyalar, sun’iy intellekt, katta ma’lumotlar analitikasi va axborot tizimlari strategik qaror qabul qilishning aniqligi va boshqaruv samaradorligini oshiruvchi asosiy omillar sifatida ko‘rib chiqildi. Maqolada xalqaro tajribalar, korporativ boshqaruvning ilg‘or standartlari va mahalliy korxonalar amaliyotiga tayanilgan holda strategiya - boshqaruv - samaradorlik o‘rtasidagi integratsion model ishlab chiqildi. Natijalar shuni ko‘rsatdiki, innovatsion boshqaruv vositalari bilan boyitilgan strategik rejalashtirish korporatsiyalarning barqaror o‘sishini, raqobatbardoshligini va manfaatdor tomonlar bilan samarali aloqalarini ta’minlaydi.

47-Article

QISHLOQ TURIZMINI RIVOJLANISHIDA EKOLOGIK MADANIYATNING ROLI

Xudaynazarova Dilorom

Ushbu maqolada ekologik madaniyatning qishloq turizmining barqaror rivojlanishiga taʼsir etuvchi omil sifatidagi oʻrni tadqiq etilgan. Tadqiqot doirasida ekologik madaniyat tushunchasining mazmun-mohiyati yoritilib, uning jamiyatda shakllanish omillari va qishloq hududlarida turizm faoliyati bilan bogʻliq ekologik muammolar tahlil qilingan. Qishloq turizmi tabiiy resurslarga tayangan holda rivojlanar ekan, ekologik madaniyatni yuksaltirish atrof-muhitni muhofaza qilish, bioxilma-xillikni saqlash va resurslardan oqilona foydalanishni taʼminlovchi asosiy shart ekanligi ilmiy manbalar asosida asoslab berilgan. Maqolada mahalliy jamoalarning ekologik ongi va masʼuliyatini oshirish orqali turizmning ijtimoiy-iqtisodiy samaradorligini oshirish hamda barqaror rivojlanishga erishishning ustuvor yoʻnalishlari koʻrsatib berilgan. Shu bilan birga, Oʻzbekiston sharoitida qishloq turizmini rivojlantirishda ekologik madaniyatni takomillashtirish boʻyicha amaliy tavsiyalar ishlab chiqilgan.

48-Article

SUG‘URTA: KECHA, BUGUN VA ERTAGA

Saidov Farrux

Mazkur ilmiy maqolada sug‘urta sohasining kelajakdagi transformatsion modeli, raqamli texnologiyalar ta’sirida shakllanayotgan yangi iqtisodiy mexanizmlar va algoritmik risk boshqaruvi tizimlarining rivojlanish istiqbollari atroflicha tahlil qilingan. Tadqiqotning asosiy e’tibori sug‘urtaning tarixiy jihatlaridan ko‘ra, uning ertangi kunini belgilovchi zamonaviy va innovatsion mexanizmlarga qaratildi. Sun’iy intellekt asosida risklarni bashoratlash, IoT monitoring tizimlari yordamida real vaqt ma’lumotlari asosida sug‘urta xatarlarini aniqlash, parametrik sug‘urta modellarining jadal kengayishi, blokcheyn va aqlli shartnomalarning shaffoflikni oshirishdagi o‘rni hamda sug‘urtaning ekotizimlarga integratsiyalashuvi alohida o‘rganildi. Natijalar sug‘urtaning kelajakda an’anaviy kompensatsiya vositasi emas, balki proaktiv xavfsizlik va iqtisodiy barqarorlikni ta’minlovchi raqamli ekotizim sifatida shakllanishini ko‘rsatadi. Shuningdek, O‘zbekiston sug‘urta bozorining raqamli transformatsiya sharoitidagi imkoniyatlari va rivojlanish istiqbollari ham baholangan.

49-Article

ENERGETIKA SOHASIDA RAQAMLI TRANSFORMATSIYA VA IQTISODIY SAMARADORLIK SINERGIYASI -YAGONA IQTISODIY SINERGIYA (SES) MODELI

Bobojonova Zarnigor

Ushbu maqolada zamonaviy texnologik taraqqiyot davrida iqtisodiy samaradorlikni baholashning yangi integratsiyalashgan yondashuvi – “Singulyar-Amaliy Iqtisodiyot” (SES) modeli taklif etiladi. Model Ray Kurzweilning texnologik singulyarlik nazariyasi, Brynjolfsson va McAfee tomonidan ishlab chiqilgan raqamli iqtisodiyot yondashuvlari, shuningdek, amaliy iqtisodiyotning empirik uslublari asosida yaratilgan. Matematik formula orqali raqamlashtirish (D), innovatsiya (I) va avtomatlashtirish (A) omillarining iqtisodiy samaradorlikka (SES) ta’siri tahlil qilinadi. Ushbu model O‘zbekiston Temir Yo‘llari AJ misolida amaliy tahlil qilinib, real sektor va raqamli infratuzilma integratsiyasining samarasi miqdoriy ko‘rsatkichlar asosida asoslab beriladi. Modelning dolzarbligi, strategik boshqaruvda, raqamli transformatsiyani rejalashtirishda va investitsiya qarorlarini qabul qilishda qo‘llanish imkoniyatida namoyon bo‘ladi.

50-Article

O‘ZBEKISTON TURIZMI SHAROITIDA HUNARMANDCHILIK MAHSULOTLARINING RAQOBATBARDOSHLIGI VA JOZIBADORLIGINI OSHIRISHDA DAVLATNING ROLI

Akramova Gulnora

Maqolada O‘zbekiston Respublikasida milliy iqtisodiyotning institutsional va iqtisodiy mexanizmlari, jumladan subsidiya va grantlar ajratish, soliq imtiyozlari berish, milliy va xalqaro ko‘rgazma hamda festivallarni tashkil etish, o‘quv va akseleratsion dasturlarni joriy etish, shuningdek hunarmandchilik klasterlari va turistik yo‘nalishlarni shakllantirish masalalari chuqur yoritiladi. Maqolada 2017–2023 yillarda qabul qilingan normativ-huquqiy hujjatlar va davlat dasturlari tizimli ravishda tahlil qilinib, ularning bandlikni oshirish, eksport salohiyatini kengaytirish, hududiy rivojlanishni rag‘batlantirish hamda nomoddiy madaniy merosni asrab-avaylashdagi ahamiyati baholanadi. Tadqiqot metodologiyasi kvantitativ tahlil, hududlararo solishtirma tahlil va turistik faolligi yuqori bo‘lgan hunarmandchilik markazlari bo‘yicha keys-stadi usullariga asoslanadi. Olingan natijalar davlat siyosatining samaradorligini baholash hamda hunarmandchilik va turizm integratsiyasini yanada takomillashtirish bo‘yicha ilmiy asoslangan xulosalar chiqarish imkonini beradi. transformatsiyasi va turizm sohasining jadal rivojlanishi sharoitida hunarmandchilik mahsulotlarining raqobatbardoshligi va turistik jozibadorligini oshirishda davlatning roli kompleks tahlil qilinadi. Tadqiqotda hunarmandchilikni qo‘llab-quvvatlashning

51-Article

YASHIL IQTISODIYOT SHAROITIDA SANOAT KORXONALARINING BARQAROR RIVOJLANISHINI BAHOLASHNING KONSEPTUAL- METODOLOGIK MODELI

Zuxurova Nargiza

Mazkur maqolada sanoat korxonalarining barqaror rivojlanishini ta’minlashda yashil iqtisodiyot tamoyillarining metodologik asoslari chuqur ilmiy- nazariy jihatdan tahlil qilinadi. Tadqiqotning asosiy maqsadi iqtisodiy samaradorlik, ekologik barqarorlik va ijtimoiy mas’uliyatni yagona tizimda integratsiyalovchi konseptual baholash modelini ishlab chiqishdan iborat. Ilmiy adabiyotlar tahlili asosida yashil iqtisodiyot konsepsiyasining evolyutsiyasi, sanoat ishlab chiqarishida ekologik innovatsiyalar va energiya samarador texnologiyalarning iqtisodiy ta’siri aniqlangan. Tadqiqot metodologiyasi doirasida sanoat korxonalarining yashil rivojlanish darajasini aniqlash uchun “Yashil samaradorlik integrallashgan indeksi (GPI)” ishlab chiqildi va Toshkent viloyatidagi sanoat subyektlari misolida empirik sinovdan o‘tkazildi. Olingan natijalar yashil texnologiyalarni joriy etish iqtisodiy foyda bilan ekologik samaradorlik o‘rtasida barqaror ijobiy bog‘liqlikni shakllantirishini ko‘rsatdi. Tadqiqot yakunida O‘zbekiston sanoat sektorida yashil transformatsiyani jadallashtirish bo‘yicha ilmiy-amaliy xulosalar ishlab chiqildi.

52-Article

O'ZBEKISTONDA IJTIMOIY XIZMATLAR BOZORINING TAMOYILLARI VA RIVOJLANISHI

Usmanxodjaeva Surayyo

Maqolada O‘zbekistonda ijtimoiy xizmatlar bozorining shakllanish tamoyillari, raqamli transformatsiya jarayonlarining ijtimoiy sohadagi roli hamda ijtimoiy xizmatlar, xususan, ijtimoiy turizm yo‘nalishi misolida rivojlanish mexanizmlari tahlil qilinadi. Tadqiqot doirasida davlatning ijtimoiy himoya siyosati, ijtimoiy xizmatlarning ommabopligi va institut sifatida barqaror ishlashi uchun normativ-huquqiy asoslar ko‘rib chiqildi. Xalqaro tajriba sifatida Yevropa amaliyotidagi ijtimoiy turizm tashabbuslari, jumladan Calypso loyihasi, shuningdek, ijtimoiy turizmning sog‘lom qarish, ijtimoiy integratsiya va bilvosita iqtisodiy samaradorlikka ta’sirini yorituvchi ilmiy yondashuvlar taqqoslandi. Natijalar ijtimoiy xizmatlar bozorida raqamlashtirish, innovatsiyalarni joriy etish va xususiy sektor ishtirokini kengaytirish bozorning barqaror o‘sishi hamda aholining himoyaga muhtoj qatlamlari uchun xizmatlar qamrovini oshirishda muhim ekanini ko‘rsatadi.

53-Article

RIVOJLANAYOTGAN BOZORLARDA ELEKTRON SAVDO TO‘SIQLARINI YENGIB O‘TISH

Shakhriddinova Sitora

Mazkur maqolada rivojlanayotgan mamlakatlarda elektron tijoratni rivojlantirish jarayonida yuzaga kelayotgan asosiy to‘siqlar va ularni bartaraf etish yo‘llari tahlil qilingan. Ilmiy adabiyotlar sharhi asosida elektron tijoratning iqtisodiy o‘sish, bandlikni oshirish, innovatsiyalarni rag‘batlantirish va moliyaviy inklyuziyani kengaytirishdagi o‘rni asoslab berilgan. Tadqiqotda raqamli infratuzilma yetishmasligi, raqamli savodxonlikning past darajasi, ishonch va kiberxavfsizlik muammolari hamda institutsional va me’yoriy-huquqiy cheklovlar elektron tijorat rivojiga salbiy ta’sir ko‘rsatuvchi omillar sifatida aniqlangan. Tadqiqot natijalari shuni ko‘rsatadiki, elektron tijoratni barqaror rivojlantirish uchun davlat siyosatini takomillashtirish, internet va logistika infratuzilmasiga investitsiyalarni oshirish, raqamli ko‘nikmalarni rivojlantirish va iste’molchilar ishonchini mustahkamlash zarur. Mazkur yondashuvlar rivojlanayotgan mamlakatlarda elektron tijoratning uzoq muddatli va inklyuziv iqtisodiy o‘sish drayveriga aylanishiga xizmat qiladi.

54-Article

TIJORAT BANKLARI FAOLIYATIDA MOLIYAVIY TEXNOLOGIYALARNI QO‘LLASHNING XALQARO TAJRIBASI

Janaydarova Kamola

Ushbu maqola tijorat banklari faoliyatida moliyaviy texnologiyalar (FinTech)ning qo‘llanilishi va rivojlanishini xalqaro tajriba asosida tahlil qiladi. Mamlakatlar tijorat banklarida asosan qo’llanilayotgan FinTech yo’nalishlari batafsil yoritiladi. Banklar bulutli texnologiyalar, sun’iy intellekt, katta ma’lumotlar, biometrika va blokcheyn orqali xizmat samaradorligini va xavfsizlikni oshirmoqda. Sun’iy intellekt qaror qabul qilish, firibgarlikni aniqlash va robo- edvayzingda qo‘llaniladi, biometrika esa masofaviy xizmatlar va xavfsizlikni ta’minlaydi. Blokcheyn va aqlli shartnomalar operatsion jarayonlarni tezlashtiradi, robotlashtirish esa ish samaradorligini oshiradi. FinTech integratsiyasi global miqyosda banklarning raqobatbardoshligini kuchaytiradi va mijozlarga xizmat sifatini yaxshilaydi. Shuningdek, FinTechning mamlakatlar bozorlariga kirib kelishi 2022 va 2023 yilgi ma’lumotlar asosida ko’rib chiqiladi.

55-Article

TADBIRKORLIK FAOLIYATINI MOLIYAVIY TEXNOLOGIYALAR YORDAMIDA KREDITLASH VA RAQAMLASHTIRISH

Tajiddinov Jamshiddin

Mazkur maqolada tadbirkorlik faoliyatini moliyaviy texnologiyalar (FinTech) yordamida kreditlash va raqamlashtirish jarayonlarining nazariy hamda amaliy jihatlari tadqiq etilgan. O‘zbekiston Respublikasida “Raqamli O‘zbekiston – 2030” strategiyasi doirasida moliya-bank tizimining transformatsiyasi, raqamli bank xizmatlari, mobil to‘lovlar, ochiq bank (Open Banking), P2P kreditlash va InsurTech texnologiyalarining joriy etilishi tadbirkorlik subyektlarining moliyaviy resurslardan foydalanish imkoniyatlarini sezilarli darajada kengaytirayotgani asoslab berilgan. Tadqiqot natijalariga ko‘ra, raqamli moliyaviy xizmatlar tadbirkorlik subyektlari uchun kreditlash jarayonlarini soddalashtirish, tranzaksiya xarajatlarini kamaytirish hamda moliyaviy inklyuziyani oshirishda muhim omil sifatida namoyon bo‘lmoqda. Sun’iy intellekt, Big Data va raqamli skoring tizimlari kredit risklarini aniq baholash imkonini berib, banklar va moliyaviy institutlarning operatsion barqarorligini mustahkamlamoqda. Maqolada FinTech texnologiyalarining tadbirkorlik muhitini rivojlantirishdagi strategik ahamiyati va ularning barqaror iqtisodiy rivojlanishga qo‘shayotgan hissasi xulosalangan.

56-Article

KIBERXAVFSIZLIKNI ENERGETIKA SOHASI BARQARORLIGIGA TAʼSIRI

Korabayev Eldor

Ushbu ilmiy maqola kiberxavfsizlikning energetika sohasi barqarorligiga ta’sirini iqtisodiy va institutsional yondashuvlar asosida kompleks tahlil qiladi. Tadqiqotda energetika tizimining raqamlashtirilishi (SCADA/ICS, aqlli tarmoqlar, masofaviy dispetcherlik, IoT sensorlar) energiya samaradorligi va boshqaruv tezligini oshirishi bilan birga, yangi “raqamli zaifliklar”ni ham keltirib chiqarishi asoslanadi. Energetika barqarorligi bu yerda uzluksiz ta’minot, tizim ishonchliligi, avariya xavflarini pasaytirish va xarajatlarni boshqarish ko‘rsatkichlari orqali talqin qilinib, kiberhujumlar ushbu ko‘rsatkichlarning barchasiga bevosita zarba berishi ko‘rsatiladi. Ayniqsa, OT (operational technology) va IT muhitlarining uyg‘unlashuvi sharoitida kiberxavfsizlik endi “texnik masala” emas, balki investitsion risk, tarif bosimi, xizmat sifati va ijtimoiy barqarorlikka ta’sir qiluvchi strategik iqtisodiy omil sifatida namoyon bo‘ladi. Maqolada NIST smart-grid xavfsizlik yo‘riqnomalari, ENISA kiberlandshaft yondashuvi hamda IEAning raqamlashtirish–energiya xavfsizligi bog‘liqligi haqidagi qarashlari asosida konseptual model taklif qilinadi va amaliy tavsiyalar ishlab chiqiladi.

57-Article

SOLIQ MA’MURIYATCHILIGIDA RAQAMLI TEXNOLOGIYALARDAN FOYDALANISH

Ibadullayev Sanjar Sodiqmuratovich

Ushbu maqolada soliq ma’murchiligi tizimida raqamlashtirish va raqamli transformatsiya tushunchalari o‘rtasidagi konseptual va amaliy farqlar chuqur ilmiy tahlil qilinadi. Tadqiqotda raqamlashtirish jarayoni asosan mavjud ma’lumotlar va jarayonlarni elektron shaklga o‘tkazish bilan cheklanishi, raqamli transformatsiya esa soliq ma’murchiligining butun institutsional va funksional modelini tubdan qayta shakllantirishini anglatishi asoslab beriladi. Muallif raqamli texnologiyalarni joriy etish faqat texnik yangilanish emas, balki boshqaruv falsafasining o‘zgarishi ekanini ilmiy jihatdan yoritadi. Maqolada soliq organlari faoliyatida raqamli texnologiyalarning roli nazorat, rejalashtirish va tashkil etish funksiyalari misolida keng ochib beriladi. Xususan, raqamli platformalar, katta ma’lumotlar (Big Data), sun’iy intellekt va avtomatlashtirilgan tahlil vositalari yordamida soliq nazoratining riskga asoslangan modeli shakllanayotgani ko‘rsatib beriladi. Bu esa soliq tekshiruvlarining selektivligini oshirib, soliq to‘lovchilarga ma’muriy bosimni kamaytirish bilan birga, byudjet tushumlarining barqarorligini ta’minlash imkonini yaratadi. Shuningdek, tadqiqotda raqamli muhitda paydo bo‘layotgan yangi instrumentlar — elektron soliq hisobotlari, real vaqt rejimidagi monitoring tizimlari va integratsiyalashgan axborot platformalari soliq ma’murchiligining samaradorligini sezilarli darajada oshirishi ilmiy asosda isbotlanadi. Natijada soliq ma’murchiligi an’anaviy nazorat funksiyasidan raqamli xizmat ko‘rsatuvchi, prognozlovchi va strategik boshqaruv institutiga aylanishi zarurligi xulosalanadi.

58-Article

POCHTA ALOQASI KORXONALARI FAOLIYATINI RAQAMLASHTIRISH SAMARADORLIGINING ILMIY-NAZARIY ASOSLARI

Mamatqulov G’ulom

Ushbu maqolada pochta aloqasi korxonalari faoliyatini raqamlashtirish jarayonining ilmiy-nazariy asoslari tizimli va chuqur tahlil qilinadi. Tadqiqotda raqamlashtirish pochta xizmatlarini faqat elektron shaklga o‘tkazish jarayoni sifatida emas, balki boshqaruv, logistika, moliyaviy hisob-kitob va mijozlar bilan o‘zaro aloqalar mexanizmlarini tubdan takomillashtiruvchi kompleks transformatsiya sifatida talqin etiladi. Maqolada pochta aloqasi korxonalarining an’anaviy faoliyat modeli bilan raqamli transformatsiya asosida shakllanayotgan zamonaviy modeli o‘rtasidagi farqlar ilmiy jihatdan asoslab beriladi. Raqamli texnologiyalarni joriy etish natijasida operatsion xarajatlarning qisqarishi, xizmatlar sifati va tezkorligining oshishi hamda pochta xizmatlarining iqtisodiy samaradorligi kuchayishi tahlil qilinadi. Tadqiqotda raqamlashtirish darajasi bilan pochta korxonalarining moliyaviy va operatsion ko‘rsatkichlari o‘rtasidagi bog‘liqlik iqtisodiy-matematik yondashuvlar asosida baholanadi. Olingan natijalar pochta aloqasi korxonalarini modernizatsiya qilish va ularning raqobatbardoshligini oshirishda raqamlashtirish strategik ahamiyatga ega ekanini ko‘rsatadi.

59-Article

Raqamlashtirish kontekstida sanoat korxonalarini texnologik innovatsiyalar va raqamlashtirish orqali rivojlantirish

Khasanova Nigora Askarovna

Ushbu maqola raqamli iqtisodiyot kontekstida sanoat korxonalarining rivojlanishida texnologik innovatsiyalar va raqamlashtirishning rolini o‘rganadi. Raqamli texnologiyalarning tezkor rivojlanishi sanoat ishlab chiqarishi, boshqaruv tizimlari va raqobat strategiyalarini sezilarli darajada o‘zgartirdi. Innovatsiya yagona texnologik o‘zgarish sifatida emas, balki tashkiliy, boshqaruv va bozor yo‘nalishidagi transformatsiyalarni o‘z ichiga olgan murakkab va uzluksiz jarayon sifatida qaraladi. Tadqiqot innovatsion faoliyatning asosiy bosqichlarini tahlil qiladi, jumladan: g‘oya yaratish, ilmiy-tadqiqot va rivojlantirish ishlari, joriy etish, tijoratlashtirish va tarqatish. Maxsus e’tibor avtomatlashtirish, ma’lumotlarni tahlil qilish va raqamli platformalar kabi raqamli vositalarning innovatsiya samaradorligini va mahsuldorligini oshirishdagi roliga qaratilgan. Tadqiqot shuningdek, muvaffaqiyatli innovatsiyaga ta’sir qiluvchi asosiy omillar sifatida ilmiy-tadqiqot ishlarga investitsiya kiritish, inson kapitalini rivojlantirish va ilmiy institutlar bilan hamkorlikning ahamiyatini ta’kidlaydi. Empirik va tahliliy natijalar shuni ko‘rsatadiki, raqamli texnologiyalarni faol joriy etayotgan korxonalar yuqori operatsion samaradorlikka, mahsulot sifatining yaxshilanishiga va bozordagi kuchliroq pozitsiyaga erishadi. Shu bilan birga, tadqiqot moliyaviy cheklovlar, yetarli raqamli ko‘nikmalarning yo‘qligi va institutlar tomonidan cheklangan qo‘llab-quvvatlash kabi bir qator muammolarni aniqlaydi. Maqola xulosasida strategik, tizimli va inson markaziy yondashuvga asoslangan innovatsiya va raqamli transformatsiya sanoatning barqaror o‘sishini va raqamli iqtisodiyotda uzoq muddatli raqobatbardoshlikni ta’minlash uchun muhim ekanligi qayd etiladi.

60-Article

RAQAMLI IQTISODIYOT SHAROITIDA KORXONALARNING IQTISODIY SAMARADORLIGINI OSHIRISH YO‘LLARI

Mirzaraximova Aziza va Abduqahhorov Muhammadali

Ushbu ilmiy maqola raqamli iqtisodiyot sharoitida korxonalarning iqtisodiy samaradorligini oshirish masalalarini nazariy va amaliy jihatdan kompleks tahlil qilishga bag‘ishlangan. Tadqiqot doirasida raqamli transformatsiyaning mohiyati, uning korxona faoliyatiga ta’sir etuvchi asosiy mexanizmlari hamda iqtisodiy samaradorlikni shakllantirishdagi roli chuqur o‘rganiladi. Xususan, sun’iy intellekt, narsalar interneti va katta hajmdagi ma’lumotlarni qayta ishlash texnologiyalarining ishlab chiqarish, boshqaruv va marketing jarayonlarida qo‘llanilishi orqali operatsion xarajatlarni kamaytirish, mehnat unumdorligini oshirish va qaror qabul qilish sifatini yaxshilash imkoniyatlari tahlil qilinadi. Maqolada biznes jarayonlarini raqamlashtirish va avtomatlashtirish orqali korxonalar faoliyatida shaffoflikni ta’minlash, inson omili bilan bog‘liq xatolarni minimallashtirish hamda resurslardan foydalanish samaradorligini oshirish masalalariga alohida e’tibor qaratilgan. Shu bilan birga, inson kapitalining roli, xodimlarning raqamli kompetensiyalarini rivojlantirish va innovatsion madaniyatni shakllantirish korxonalarning uzoq muddatli barqaror rivojlanishining muhim omili sifatida asoslab beriladi.

61-Article

Iste’molchilar xatti-harakati va uy xo‘jaliklari xarajatlari tuzilmasi O‘zbekiston va BAAda

Nuraliyeva Feruza

Maqolada 2023–2025 yillar kesimida uy xo‘jaliklari xarajatlari tuzilmasi asosida O‘zbekiston va Birlashgan Arab Amirliklarida iste’molchilarning xatti-harakatlari qiyosiy tahlil qilinadi. Tadqiqot rasmiy statistika va xalqaro ma’lumotlar bazalariga tayangan holda aholi daromadlari darajasi hamda iste’mol xarajatlarining asosiy toifalar bo‘yicha taqsimlanishini (oziq-ovqat, uy-joy va kommunal xizmatlar, xizmatlar, dam olish, ta’lim, sog‘liqni saqlash) baholaydi. Natijalar O‘zbekistonda o‘rta daromad sharoitida uy xo‘jaliklari byudjetining katta qismi oziq-ovqat va bazaviy ehtiyojlarga yo‘naltirilishini, bu esa Engel qonuni va Engel koeffitsienti orqali tasdiqlanishini ko‘rsatadi. BAAda esa yuqori daromad hisobiga iste’mol tuzilmasi diversifikatsiyalashgan bo‘lib, xarajatlarning asosiy ulushi uy-joy, xizmatlar va dam olishga to‘g‘ri keladi, oziq-ovqat ulushi nisbatan past bo‘ladi. Farqlar inflyatsiya, demografik tuzilma, urbanizatsiya va davlat siyosati ta’siri bilan izohlanadi. Xulosalar ijtimoiy-iqtisodiy siyosat hamda bozor strategiyalarini ishlab chiqishda amaliy ahamiyatga ega.

62-Article

Iste’molchilar xatti-harakati va uy xo‘jaliklari xarajatlari tuzilmasi O‘zbekiston va BAAda

Nuraliyeva Feruza

Ushbu maqolada O‘zbekiston qurilish sanoatini modernizatsiya qilish jarayonida yashil texnologiyalarning o‘rni va ularning iqtisodiy hamda ekologik samaradorlikka ta’siri kompleks tahlil qilinadi. Tadqiqot doirasida BIM (Building Information Modeling), Digital Twin (raqamli egizak), IoT-sensorlar asosidagi real vaqt monitoringi, bulutli platformalar, qurilish robotlari, avtonom transport vositalari hamda 3D bosib chiqarish texnologiyalarining amaliy imkoniyatlari yoritiladi. Mazkur yechimlar qurilish jarayonlarining shaffofligini oshirish, loyiha ishtirokchilari o‘rtasida ma’lumotlar almashinuvini tezlashtirish, resurs sarfini optimallashtirish, xatolik va kechikishlarni kamaytirish, xavfsizlik talablarini kuchaytirish hamda uglerod izi va chiqindilarni qisqartirishdagi roli bilan asoslanadi. Shuningdek, normativ-huquqiy yangilanishlar va davlat siyosati doirasida yashil qurilish tamoyillarini amaliyotga keng joriy etishning institutsional shartlari, kadrlar salohiyati va moliyalashtirish mexanizmlarining dolzarbligi yoritiladi. Yakunda qurilish ekotizimini “raqamli + yashil” modelga o‘tkazish bo‘yicha amaliy takliflar tizimlashtiriladi.

63-Article

OʻZBEKISTON QURILISH SANOATINI MODERNIZATSIYA QILISHDA YASHIL TEXNOLOGIYALARNING O‘RNI

Kurbanova Maftuna

Ushbu maqolada O‘zbekiston qurilish sanoatini modernizatsiya qilish jarayonida yashil texnologiyalarning o‘rni va ularning iqtisodiy hamda ekologik samaradorlikka ta’siri kompleks tahlil qilinadi. Tadqiqot doirasida BIM (Building Information Modeling), Digital Twin (raqamli egizak), IoT-sensorlar asosidagi real vaqt monitoringi, bulutli platformalar, qurilish robotlari, avtonom transport vositalari hamda 3D bosib chiqarish texnologiyalarining amaliy imkoniyatlari yoritiladi. Mazkur yechimlar qurilish jarayonlarining shaffofligini oshirish, loyiha ishtirokchilari o‘rtasida ma’lumotlar almashinuvini tezlashtirish, resurs sarfini optimallashtirish, xatolik va kechikishlarni kamaytirish, xavfsizlik talablarini kuchaytirish hamda uglerod izi va chiqindilarni qisqartirishdagi roli bilan asoslanadi. Shuningdek, normativ-huquqiy yangilanishlar va davlat siyosati doirasida yashil qurilish tamoyillarini amaliyotga keng joriy etishning institutsional shartlari, kadrlar salohiyati va moliyalashtirish mexanizmlarining dolzarbligi yoritiladi. Yakunda qurilish ekotizimini “raqamli + yashil” modelga o‘tkazish bo‘yicha amaliy takliflar tizimlashtiriladi.

64-Article

KORXONALAR MOLIYAVIY HOLATINI TAHLIL QILISHNING AHAMIYATI VA RENTABELLIK TAHLILINING XUSUSIYATLARI

Rayimjonova Gulnoza

Ushbu maqolada korxonalarning moliyaviy holatini tahlil qilishning ahamiyati hamda rentabellik tahlilining nazariy-amaliy xususiyatlari yoritiladi. Moliyaviy tahlil korxonaning barqarorligi, to‘lovga qobiliyati, resurslardan foydalanish samaradorligi va foyda shakllanish jarayonini xolis baholashga xizmat qilishi asoslanadi. Tadqiqotda moliyaviy tahlilning vazifalari, axborot manbalari (buxgalteriya balansi, moliyaviy natijalar, pul oqimlari, kapital harakati hisobotlari) hamda rentabellikni hisoblashning metodik asoslari izohlanadi. Amaliy qismda yo‘lovchi tashish xizmatlari sohasidagi amaldagi korxonaning 2023–2024 yillar ma’lumotlari asosida sotuv rentabelligi, mahsulot rentabelligi, aktivlar rentabelligi, o‘z kapitali rentabelligi, qarz kapitali rentabelligi hamda investitsiya qilingan kapital rentabelligi ko‘rsatkichlari hisoblanadi va dinamik tahlil qilinadi. Hisob-kitoblar natijasida rentabellik ko‘rsatkichlarining o‘sishi korxona resurslaridan foydalanish samaradorligi oshganini ko‘rsatishi, biroq xarajatlar strukturasidagi keskin o‘zgarishlar (davr xarajatlari) boshqaruv qarorlarini qayta ko‘rib chiqishni talab etishi xulosa qilinadi. Maqola yakunida rentabellikni yaxshilashning amaliy yo‘llari taklif etiladi.

65-Article

TAMINOT ZANJIRINI BOSHQARUVDA BLOCKCHAIN VA SMART KONTRAKTLAR: AMALIYOTLAR, FOYDALARI VA QIYINCHILIKLAR BO‘YICHA SISTEMATIK ADABIYOT TAHLILI

Samandar Malikov, Nuraliyev Nurbek

Ushbu ish ta’minot zanjiri boshqaruvida blokcheyn va smart- kontraktlar qanday qilib shaffoflikni oshirishi, jarayonlarni avtomatlashtirishi hamda ishtirokchilar o‘rtasidagi ishonch muammosini kamaytirishini yorituvchi adabiyotlar sharhini taqdim etadi. Strukturaviy adabiyotlar tahlili asosida blokcheyn yordamida mahsulot kelib chiqishini kuzatish, ma’lumot almashishning himoyalangan mexanizmlari, xarid va to‘lov jarayonlarini avtomatik bajarish, hamda shartnoma shartlarini nazorat qilish kabi qo‘llanmalar umumlashtiriladi. Natijalar shuni ko‘rsatadiki, o‘zgarmas (immutable) reyestr firibgarlik va qalbakilashtirish xatarlarini kamaytiradi, smart-kontraktlar esa oldindan belgilangan shartlar bajarilganda bitimlarni vositachilarsiz ijro etishga yordam beradi. Biroq, amaliy joriy etishda integratsiya murakkabligi, masshtablash muammolari, interoperabellik yetishmasligi, me’yoriy noaniqliklar hamda ma’lumot maxfiyligi kabi to‘siqlar saqlanib qolmoqda. Shuningdek, IoT, AI va robototexnika bilan uyg‘unlashuv real vaqt monitoringi va tezkor boshqaruv qarorlarini qo‘llab- quvvatlayotgani ta’kidlanadi.