N. Jo‘rayeva, “O‘ZBEKISTONDA TIJORAT BANKI KREDIT PORTFELINI DIVERSIFIKATSIYALASH VA SIFATINI OSHIRISH YO‘LLARI”, IIPT, vol. 2, no. 3, pp. 476–480, Jun. 2025, doi: 10.60078/3060-4842-2025-vol2-iss3-pp476-480.