L. Raxmanova, “TIJORAT BANKLARIDA KREDITLASH JARAYONLARINI TAKOMILLASHTIRISH VA MOLIYALASHTIRISHNING ZAMONAVIY AMALIYOTDAGI HOLATI TAHLILI”, IIPT, vol. 3, no. 3, pp. 935–942, Jul. 2026, doi: 10.60078/3060-4842-2026-vol3-iss3-pp935-942.