S. Abdullaeva and A. Rahimbekov, “KREDITLASHNING INNOVATSION MODELLARINI ISHLAB CHIQISHDA XORIJIY TAJRIBANI TAHLIL QILISH”, IIPT, vol. 3, no. 1, pp. 296–308, Feb. 2026, doi: 10.60078/3060-4842-2026-vol3-iss1-pp296-308.