Vol. 2 No. 3 (2025): Advanced Economics and Pedagogical Technologies

This article analyzes the role of bank loans in financing investment projects and the possibilities of increasing their effectiveness. Currently, banks serve as one of the main financial sources in financing investment projects. However, various problems in the financial system, difficulties in assessing risks, high collateral requirements and lack of long-term resources hinder the effective use of bank loans. The article analyzes the sources of financing of investment projects, changes in investments in fixed capital by sources of financing, the dynamics of bank loans within the framework of family entrepreneurship development programs, and the share of loans allocated to entrepreneurial activity through comparative tables. According to the results of the study, scientific proposals and recommendations were developed to expand the participation of bank loans in the investment process and increase the role of bank loans in financing investment projects.

The article highlights theoretical and practical aspects of the role of social services in ensuring the well-being of the population. The information is based on the author's observations and analysis of the literature.

This article will comment on the main points of current asset accounting in accordance with International Financial Reporting Standards and consider issues of its practical application. The scientific study presents the disclosure of the essence of current assets, determination of the cost of finished products, goods and unfinished production, assessment of reserves, classification by the price of net sales.

This article presents classification indicators for assessing the investment attractiveness of regions. Based on these indicators, the districts (cities) of the Kashkadarya region are grouped according to their level of investment potential and investment risk. Additionally, an integral value reflecting the investment attractiveness of the territories has been calculated.

This article presents views on financial management and the results obtained through the application of modern information technologies in it. It also describes the importance of the application of information technologies to management processes in the financial system in increasing the efficiency of modern financial institutions, improving the quality of services and gaining customer trust, and describes the main types of their application in the financial system.

The article provides information on the process of supplying the population of the world with food products and methods for eliminating the situations in it. Also, opinions are expressed about the technologies used in the organization of this process, their economic efficiency and the causal elements leading to it, the results of their implementation in practice, and information on the work of scientists working in this field.

The article discusses best practices for a successful segmentation-based approach, focusing on the importance of thorough market research, consistent messaging, and the use of advanced analytics. It provides insights into how companies can effectively engage different customer segments and increase their market presence through a well-designed differentiated marketing strategy.

The article discusses the features of improving audit in the public sector in the Republic of Uzbekistan and theoretical issues of using international experience.

This paper provides an in-depth analysis of the practical applications of the definite integral. It begins by explaining the application of the definite integral to calculating the surface area of geometric figures in a plane. Examples of economic problems are also given, including output, labor productivity, and income inequality through the Gini coefficient. Based on the supply and demand functions, consumer and producer surpluses are expressed using the definite integral. Each topic is illustrated with mathematical formulas, graphs, and real-life examples, demonstrating the importance of integral calculus not only in theory but also in economic and social practice. This work is a useful resource for students of definite integrals, as well as for those who wish to apply mathematical methods to economic problems.

The article covers the issues of improving the knowledge and professional level of training of personnel for small businesses engaged in innovative activities, assessment of the education system, a systematic approach to improving the quality of education, the role of the education market in improving the quality of the education system, the use of the capabilities of the non-state education system in improving the quality of education and developed recommendations for improving the quality of education in Uzbekistan.

The organization of services of family guest houses is organized on based on a certain sequence of economic and social mechanisms, goals of the type of activity, necessary conditions, rights and obligations of economic entities, as well as the criteria on which they are based.

The article focuses on the analysis of the state of financial and economic indicators of textile enterprises in the organization of production activities.

The article examines the features of the development of global trade in the context of rapid digital changes and institutional transformations. The key factors and mechanisms that determine the digitalization of trade processes, as well as institutional barriers that impede countries' equal access to digital opportunities are studied. Particular attention is paid to the problem of digital inequality, which limits the integration of individual states into international trade networks and reduces their competitiveness. Such digitalization drivers as the development of digital infrastructure, the use of artificial intelligence, blockchain technology and big data processing are analyzed. The risks of the digital divide and its implications for the sustainability of global trading systems are revealed. Strategic directions for the formation of an inclusive and secure digital trading environment are proposed.

This study analyses historical data (2000–2024) to forecast Uzpromstroybank’s deposit base and total resource trends using simple OLS regression models. A linear time-trend model is estimated for both series to capture long-run growth. The regression results show strong, significant upward trends (high R², statistically significant coefficients) for deposits and resources, indicating robust growth. Forecasts generated by extrapolating these trends suggest continued expansion of the bank’s deposits and resources in the short term. The findings are relevant for bank management and policymakers, as they highlight the trajectory of funding sources in Uzbekistan’s banking sector. Limitations include the simplicity of the linear model and potential structural changes, nonetheless, the results provide a baseline projection and underline the importance of improving deposit mobilization and financial sector reforms.

Identifying ways to improve corporate culture in joint-stock companies requires close attention to both its advantages and its shortcomings. An effective corporate culture directly influences a company’s operations and long-term prospects. It is one of the key drivers of success and plays a decisive role in maintaining competitive advantage. Corporate culture also affects employees’ moral qualities, commitment, productivity, physical health and emotional well-being within the team. This article analyses the corporate-culture problems typical of joint-stock companies and sets out practical solutions. It considers the importance of culture, its place in corporate activity and its impact on economic indicators. The problems identified include an underdeveloped culture, weak communication among staff, and failure to observe ethical standards and values. Proposed remedies include strategic approaches to shaping culture, regular training and educational programmes, fostering an atmosphere of open dialogue and trust, and developing and implementing codes of ethics. The study offers practical recommendations for improving and effectively managing corporate culture in joint-stock companies.

This article presents methods for assessing the state of regional economic development and outlines priority directions. The state of economic development in the regions of Uzbekistan is analyzed using dynamic and trend analysis, cluster analysis, SWOT analysis, and composite index methods, and is evaluated through comparative grouping. Furthermore, promising strategies for the further development of regions and key directions for their effective implementation are proposed. Authorial approaches to assessing the development status of regional economies have also been developed.

This study studies the methodological foundations of development of services provided in museums and cultural heritage sites and their integration with the tourism sector. The main focus is on the effective use of cultural sites in tourism, improving the quality of services, introducing innovative approaches and studying foreign experiences. As a result of the study, the importance of tourism infrastructure, marketing strategies, digital technologies and local community participation was identified. The conclusions and proposals develop recommendations for harmonizing the activities of museums and cultural heritage sites with tourism in the conditions of Uzbekistan.

This article analyzes the impact of infrastructure on economic growth and explores the possibilities of increasing efficiency through standardization. Infrastructure has a significant impact on the economic development of the state, sustainable growth and competitiveness. The article reviews the effectiveness of state policies and implemented standards in various areas of infrastructure - transport, energy, communications and industrial infrastructure. The standardization process ensures the sustainability of economic growth through efficient resource management, the introduction of technological innovations and improving quality. Particular attention is paid to practical approaches to modernizing infrastructure in Uzbekistan and thereby achieving economic stability. The article also analyzes the economic benefits of the state's investment approach to infrastructure projects, including their role in creating jobs and strengthening competition in various sectors. The article, while demonstrating the positive impact of infrastructure and standardization on the economy, also assesses the future prospects of such policies.

The country is gradually implementing comprehensive measures to develop tourism as one of the strategic sectors that will diversify the national economy, accelerate the development of regions, create new jobs, increase the income and living standards of the population, and increase the country's investment attractiveness.

The article analyzes the progress of the Triple Helix innovative model, the reasons and conditions for its change. The original model considered the interaction of the state, business structures and the scientific (including university) community. The article demonstrates how the interaction of elements becomes more complex with the emergence of the fourth, called "public" (media, culture, creative industry, etc.). The role of this element in the Quadruple Helix innovative model is studied. The significance of the work lies in clarifying the characteristics and conditions for the complication of innovative interaction. The Fivefold Helix innovation model illustrates what qualitative changes occur in the relationships of innovation process participants. It accumulates ecological and social aspects of development.

This article presents a comprehensive analysis of the state and structure of the government securities market in the Republic of Uzbekistan during the period 2018–2024, focusing on demand and placement trends. Government bonds are considered a key element of the financial system and play an important role in mobilizing both domestic and foreign investment resources. Particular attention is given to identifying institutional and structural constraints hindering the full development of this financial market segment. These include the limited range of available debt instruments, low liquidity in the secondary market, a predominance of short-term bonds, and the absence of flexible instruments such as floating-rate bonds. The study argues that the establishment of a fully functional, multi-level infrastructure for the circulation of government bonds requires the introduction of innovative instruments, including indexed, "green," and social bonds, which could enhance the sustainability of budget financing and strengthen the investment climate. It concludes that the development of the government bond market is of strategic importance for ensuring budgetary stability and increasing the transparency of public debt policy.

This article analyzes the effectiveness of the Tourism Support Fund in Uzbekistan, evaluating its impact on economic growth and income inequality. Using official data from 2017 to 2023, the study applies regression analysis and the Kuznets hypothesis model. The findings reveal that the Fund plays a significant role in developing tourism infrastructure, enhancing regional equality, and increasing employment. Based on international experience, practical recommendations are provided to improve the strategic performance of the Fund.

This article presents a comparative analysis of innovative mechanisms for railway transport development in developed and developing countries. It highlights differences in goals, tools, and institutional contexts of innovation implementation. A methodology is proposed to assess the effectiveness of digital and environmental innovations. Recommendations are provided for policymakers based on the principles of sustainable development.

The article examines modern strategic approaches to improving the quality of the educational process in higher education institutions, focused on the integration of science and education, adaptation to the challenges of globalization and digitalization. The need to develop long-term, flexible and comprehensive strategies that take into account internal and external factors in the development of educational organizations is substantiated.

The article studies the theoretical, methodological and legal aspects of accounting for employee obligations. Based on the conducted research, it is proposed to improve the calculation of employee obligations.

This article provides a scientific analysis of the opportunities for the development of domestic tourism in the regions of the Republic of Uzbekistan, available resources, and mechanisms to enhance regional economic and social activity. The study also explores the unique tourism potential of each region, the current state of domestic tourism infrastructure, existing challenges, and proposes relevant solutions. Particular attention is given to the role of domestic tourism in promoting regional stability and socio-economic growth.

This article analyzes the experience of the U.S. Small Business Administration (SBA) in financing small business entities through commercial banks. Based on SBA practices such as credit guarantees, interest rate regulation, business development centers, and digital infrastructure, strategic recommendations tailored to Uzbekistan’s context are proposed. These include strengthening credit guarantee systems, launching a digital guarantee portal, establishing advisory centers, regulating interest rates, and improving monitoring systems. The proposed measures aim to enhance the efficiency of small business financing mechanisms in Uzbekistan.

The integration of Artificial Intelligence (AI) into the circular economy offers transformative solutions to the global challenge of waste management. This article explores the role of AI-driven innovations in promoting waste reduction, resource optimization, and sustainability. Through case studies such as AMP Robotics in the U.S. and ZenRobotics in Finland, the study analyzes how AI enhances waste sorting, recycling efficiency, and product lifecycle management. The findings underscore that AI not only contributes to environmental sustainability but also promotes economic opportunities by optimizing resource loops and minimizing waste generation.

This article examines the role of educational role-playing games as a dynamic and innovative strategy in contemporary learning environments. Role-playing games allow students to immerse themselves in realistic scenarios, promoting the development of critical thinking, creativity, collaboration, and communication skills. The article highlights various implementations of role-playing games in different subject areas and discusses their effectiveness in increasing student motivation and retention.

This article presents a comparative analysis of personal income tax systems and collection mechanisms in various countries. It examines tax rates, benefits, declaration procedures, and payment methods, and analyzes their socio-economic impact. Special attention is given to the influence of progressive and proportional taxation on fair income distribution, as well as the role of taxes on investment income. The article substantiates the prospects of applying international practices to improve Uzbekistan’s tax system. The efficiency and fairness of personal income tax collection mechanisms are analyzed in terms of economic stability and budget revenues.

The guidelines proposed by the United Nations High Commission on Human Rights stated that the development and use of indicators to assess the standard of living of the population should follow a human rights approach to data, focusing primarily on the self-determination of the population and the principles of participation. The total income of the population is made up of proceeds in the form of money and in-kind, which fall on the household or its individual members during an annual or less time period, of a permanent or recurring nature. This article focuses on the study of methodologies and areas of use by international organizations for assessing the income and standard of living of the population.

This article examines the analysis of tax reforms and tax incentives provided to business entities in the Republic of Uzbekistan. The essence of tax incentives and their impact on the country's economy are explored. Special attention is given to the importance of tax incentives in supporting entrepreneurial activities, attracting investments, stimulating innovation, and enhancing export potential. The existing problems in the application of tax incentives are also analyzed, and possible solutions are proposed.

This article examines the issue of determining assets by liquidity and dividing liabilities into components by maturity when assessing the financial condition of business entities, including their solvency, with particular attention paid to the importance of data structuring when using accounting information. It is based on the fact that the presence of a large amount of current liabilities, which are difficult to convert into cash, and a large amount of current liabilities, which must be paid quickly, can lead to incorrect conclusions even when the current solvency ratio is high.

The article is devoted to the analysis of a deep theoretical understanding of the investment process in the context of the formation and development of a new stage of the information society associated with digitalization, studying the transformation of behavioral aspects of economic entities, studying the institutional conditions for the interaction of investors using decentralized investment instruments.

The article is devoted to the investment behavior of economic entities in the context of digitalization. The main property of households is that all their activities are aimed at satisfying their desires through the consumption of final goods and services. As owners of production factors, they sell them on the market for appropriate remuneration and make a profit. Suggestions for improving these aspects are reflected in the article.

An investment is a sacrifice of present consumption with the expectation of the future will be better. In a general sense, it is an allocation of money in different assets with the expectation that in the future the value of these assets will be higher and generate some return. The tourism industry's investment potential is intrinsically linked to the number of visitors and tourists attracted to a destination. To capitalize on this potential, it becomes imperative to develop tourism infrastructure, services, and facilities that can cater to the growing demand. This, in turn, creates opportunities for investors, leading to the realization of investments in the sector. In terms of money movement and building the supply side for tourism in India through private sector investments. In terms of money movement and building the supply side for tourism in India through private sector investments.

This article analyzes the structure of budget expenditures in the Republic of Uzbekistan, with a particular focus on economic expenditures and their role in national economic development. The analysis covers the volume, directions, and prioritization of economic expenditures in recent years based on statistical data. In addition, the paper explores the mechanisms of distribution and redistribution of state budget revenues, highlighting their potential to stimulate economic growth. The article also gives special attention to the state strategies aimed at promoting a green economy and ensuring ecological sustainability. The research findings emphasize the relevance of allocating economic expenditures to strategic sectors and the necessity of optimizing and enhancing the efficiency of their implementation.

This article comprehensively analyzes the state of innovative activity of commercial banks of the Republic of Uzbekistan and highlights the problems and opportunities in the process of introducing modern banking services. The implementation of digital technologies, the use of innovative approaches in products and services were assessed based on foreign experience. Also, proposals and recommendations were developed aimed at increasing the competitiveness of commercial banks, improving the quality of services provided to clients, and transforming the entire banking system. The article serves as a scientific and practical basis for deepening innovative activity in the banking sector.

This article explores the necessity of introducing an Islamic finance system in Uzbekistan, as well as analyzing the current legal frameworks and institutional environment. Islamic finance operates in accordance with Sharia principles, which prohibit interest (riba), gambling (maisir), and excessive uncertainty (gharar). Although Islamic finance is a relatively new concept in Uzbekistan, the demand for fair, ethical, and Sharia-compliant financial services is steadily increasing, particularly among the predominantly Muslim population. The article examines the core principles of Islamic finance and highlights financial instruments such as sukuk, mudarabah, and musharakah. It also discusses the legal mechanisms required to implement them effectively. The existing gaps in national legislation, the insufficient development of regulatory bodies, and international best practices are assessed in the context of Uzbekistan. Finally, the article proposes conceptual recommendations to support the establishment and sustainable growth of an Islamic financial system in the country.

This article is devoted to the analysis of advanced foreign experience in organizing mechanisms to combat tax evasion on the example of France. It examines the main aspects of the French tax control system, including digitalization, international cooperation, risk-based approach and accountability measures. The prospects for applying this experience to national tax systems in order to increase the effectiveness of fiscal policy are studied.

This article analyzes the accounting of expenses in commercial organizations during the transition to International Financial Reporting Standards (IFRS), existing problems, and ways to improve them based on the IMRAD structure. During the study, the differences in the classification, recognition, and reporting of costs were highlighted, and proposals were made to adapt the national accounting system to IFRS.

The article discusses the role and importance of modern ultrafiltration technologies in improving drinking water supply in the context of the transition to a green economy. Such advantages of ultrafiltration as environmental safety, low dependence on chemicals, high degree of purification from microorganisms, economical use of water resources are analyzed. The possibilities of protecting public health, improving living conditions and creating new jobs through the introduction of this technology in remote and water-deficient regions are considered. The article substantiates a comparison of the ultrafiltration method with traditional water purification methods, its cost-effectiveness and compliance with sustainable development goals.

В данной статье рассмотрены особенности применения краудфандинга как современного механизма финансирования на примере зарубежных стран. В исследовании проанализированы основные типы краудфандинговых платформ — благотворительные, вознаграждаемые, долговые и долевые – на примере таких стран, как США, страны Европейского союза и Китай. Также раскрыты преимущества краудфандинга как финансового инструмента, возможные риски, а также правовые и институциональные основы его функционирования. Результаты исследования обосновывают роль краудфандинга в повышении финансовой инклюзии и поддержке инновационных проектов.

In international banking practice, ensuring the profitability of commercial banks is of great importance, which not only serves to maintain their financial stability, but also to increase their competitiveness in market conditions. Banks with a high level of profitability perform their financial intermediary function more effectively, which leads to the strengthening of their place and role in the economy. Therefore, in the practice of developed Western countries of the world, the issues of increasing the profitability and ensuring the stability of commercial banks are considered one of the most priority and urgent areas of strengthening their competitiveness in the financial market. They pay great attention to increasing profitability in order to ensure the effective operation of banks, the provision of high-quality services to customers, and a worthy contribution to economic development. The article develops scientific proposals aimed at ensuring the profitability of loans of commercial banks of the country.

Social aspects of corporate governance quality assessment in companies corporate governance affects a company's social responsibility towards its employees, customers, suppliers, and society as a whole. Good management creates the basis for creating a supportive work environment, protecting workers' rights, complying with occupational safety and health standards, and maintaining trusting relationships with stakeholders.

The article analyzes the current state of the bank's financial indicators, in particular, indicators related to the bank's credit activity, using the example of JSCB "Microcreditbank". In particular, scientific conclusions are drawn based on the analysis of the 7-year dynamics of such indicators as the commercial bank's return on assets and capital, the volume of problem loans and the amount of reserves created for them.

In this article, it is stated that serious attention is paid to the further development of the textile industry, attracting foreign investments to the industry, introducing a quality management system, using innovative methods in management, and improving the effective methods of investment and export activities of industry enterprises.

The article highlights the importance of effective cash flow management in ensuring the financial stability of joint-stock companies. In today's economic conditions, especially for enterprises with large production volumes, along with net profit, the proper organization of real cash flows is one of the main factors of financial security. The study examined the dynamics of cash flow indicators, their relationship with the level of debt, profitability, and solvency. In particular, the possibilities of a real assessment of the financial condition of a joint-stock company through the efficiency of net cash flow, profitability, and solvency coefficients are revealed. Based on the results of the article, conclusions and proposals were developed, aimed at improving the mechanisms of financial management for joint-stock companies.

The article is devoted to priority areas for ensuring sustainable growth of the tourism sector in the Republic of Karakalpakstan. The economic situation of tourism development in Uzbekistan is also analyzed. In addition, practical recommendations are given for solving current problems in the tourism sector in the region.

The article proposes an increase in the economic effectiveness of tax incentives through KPI, a transparent "tax-expenditure" register and complex infrastructure packages, and a practical roadmap for Uzbekistan based on the experiences of Ireland, Malaysia, Kazakhstan, Brazil and South Africa.

This article describes the operations related to the entry and exit of petty cash, the procedure for reflecting petty cash transactions in the accounts, the report on spending money, the application of foreign experience of petty cash management in our country, internal control over the movement of funds in the cash register, and the procedure for calculating the quick liquidity ratio. Recommendations on the organization and management of a small cash register are given.

This article presents proposals on the urgent tasks of economic reforms to ensure macroeconomic stability, tools and methods of monetary policy, tactical and strategic tasks, ensuring a balanced financial sector and further strengthening the role of state monetary policy at the present stage.

The directions of improving the mechanisms of regulation and stimulation of attracting foreign investments into the economy of Uzbekistan and their activities are highlighted. As a "single window" within the framework of the agency for attracting foreign investment, it is proposed to create an Investor Center that operates online and coordinates interaction between investors, interested government agencies and local authorities. Also, in modern conditions, the directions of improving the mechanisms for regulating the attraction of foreign investment in the economy were studied.

This study explores the impact of financial metrics, specifically Return on Assets (ROA) and Return on Equity (ROE), on stock values in Islamic banking in Pakistan. Islamic banking in Pakistan lacks empirical research on how financial indicators like ROA and ROE affect stock values, creating a gap in understanding crucial performance metrics for investors. The study adopts a quantitative method, analyzing secondary statistics from the Pakistan Stock Exchange and Meezan Bank websites for the period 2016–2022. Linear regression in EViews is applied to assesses the relationship between ROA, ROE, and stock prices of the Bank. Results of the study indicates that the stock prices are positively influenced by returns and equity, however, impact of return on asset is statistically significant at 10 percent confidence interval.  The study is limited to data from PSB and IMBS, restricting its generalizability to other banks or markets. Study suggests investors should prioritize ROA and ROE metrics when evaluating stocks in Islamic banking, as they are essential for understanding performance and making informed decisions.

This article examines the strategic role of the service sector within the economy of Uzbekistan, emphasizing its contribution to GDP and its influence on the labor market. The research identifies key opportunities for employment creation in the service industry, highlighting areas such as digital transformation, gender equality, and youth engagement. It discusses structural employment transitions among different economic sectors, growth dynamics, labor productivity issues, the prevalence of informal employment, infrastructure development, and workforce skills enhancement. Utilizing insights from international best practices, the paper recommends practical strategies to boost employment by fostering the development of Uzbekistan's service sector.

This article examines the issues of implementing financial technologies in the activities of commercial banks. It analyzes the areas of banking in which modern financial technologies are used. Based on the research conducted, practical proposals and scientific recommendations were developed.

The article examines the key issues related to the development of the payment system based on modern international experience and explores the possibilities of its application in Uzbekistan. It also identifies the problems through a comprehensive analysis of the current state, challenges, and prospects for the development of the payment system of the Republic of Uzbekistan in the context of the digital economy. Based on the research conducted, practical proposals and scientific recommendations have been developed to improve the development of the payment system in Uzbekistan.

This article presents a scientific analysis of the economic activity of small business entities in Uzbekistan, including the dynamics of their development and structural changes across sectors and regions. The strategic importance of small businesses in the national economy particularly their contribution to gross domestic product (GDP), participation in foreign economic activities, and role in ensuring employment defines the scientific and practical relevance of this study. The analysis of the economic indicators of small business entities was carried out based on data from the Statistics Agency of the Republic of Uzbekistan. Specifically, the study examines their share in GDP, involvement in exports, and development trends across various sectors. Furthermore, existing challenges and their underlying causes are analyzed, and both practical and strategic recommendations aimed at further development of the sector are proposed. The conclusions and recommendations presented in the article contribute to enhancing the efficiency of small business entities in the national economy and improving mechanisms of state support.

The article considers new elements of regional development strategy with a focus on institutional and methodological aspects of planning socio-economic progress. Special attention is paid to the role of public participation in the processes of development and implementation of strategic documents, including such mechanisms as public hearings, expert consultations, focus groups, digital platforms of e-governance and, in particular, civic budgeting. The author analyzes both theoretical foundations and practical examples of the introduction of such tools in international practice (Brazil, Spain, France, China) and the prerequisites for their application in the Republic of Belarus. The author presents the key directions for improving the system of strategic planning at the regional level: legal framework, institutional infrastructure, approval procedures, monitoring and evaluation, as well as identifies the existing institutional barriers. It is demonstrated that strengthening the role of civil society and introduction of mechanisms for direct participation of the population in the distribution of budgetary resources contribute to increasing the transparency of public decisions, strengthening trust in the authorities and more accurately reflecting the interests of the local population. The conclusion is that it is necessary to integrate new approaches into the current system of state planning to ensure sustainable and balanced of regional development.

The scientific article discusses issues related to improving the liquidity management strategy of commercial banks.

The article discusses the problems related to the main areas of effective management of the loan portfolio of commercial banks, as well as improving the management of the loan portfolio of commercial banks, and has developed proposals to address them.

This article examines professional standards as a strategic instrument for transforming the workforce training system in the Republic of Uzbekistan amid ongoing labor market reforms. A comparative analysis is presented of approaches to the development and implementation of professional qualifications in the United Kingdom, New Zealand, Russia, and Albania. Based on an analysis of the regulatory framework and the application of standards in Uzbekistan’s tourism sector, key challenges and barriers are identified. The results of an empirical study reveal the levels of perception of professional standards among employers and educational institutions, as well as indicate directions for the institutional development of the national qualification system. Particular attention is given to the adaptation of international practices to the national context. Based on a conducted SWOT analysis, recommendations are formulated for improving mechanisms of implementation and updating of professional standards.

This article analyzes the current challenges in accounting for foreign exchange differences in Uzbekistan and presents practical and methodological solutions based on digital transformation. The study emphasizes the importance of automating exchange rate updates, developing a methodology aligned with IFRS 21, and implementing an AI-based monitoring system to enhance accuracy, transparency, and compliance in financial reporting.

This study investigates the associations between sociodemographic factors and out-of-school rates among children of compulsory school age in Uzbekistan, using nationally representative household survey data. Out-of-school rates were analyzed across primary, lower secondary, and upper secondary education levels. Results reveal that students at the upper secondary level are significantly more likely to be out of school compared to younger peers. Additionally, household wealth was significantly associated with school exclusion at the primary and lower secondary levels. No significant differences were found by gender, area of residence, or region, suggesting possible progress in educational equity or limitations in aggregate-level data to detect more nuanced disparities. The study offers practical implications for targeted interventions and calls for further research using causal and longitudinal methods to better understand the mechanisms behind school non-attendance.

This article analyzes the development of the fisheries sector in the Republic of Uzbekistan, particularly in the Syrdarya region, using econometric methods. The study highlights the role of fish products in food security, public health, and economic diversification. The analysis is based on statistical data from 2010 to 2023 and evaluated using autocorrelation and the Durbin-Watson test. Forecast values for the next five years are developed, and practical conclusions are presented to further enhance the fisheries sector.

This article explores the role of insurance in providing economic support to small and medium-sized enterprises (SMEs). The author highlights the importance of insurance mechanisms in risk management, ensuring financial stability, and improving the investment environment for SMEs. The paper also analyzes the current state of the insurance sector in Uzbekistan, identifies key challenges, and proposes measures for its further development. The article offers practical and research-based recommendations to strengthen insurance protection for small businesses.

The article examines the relationship between the development of the educational services system and the transformation of the employment structure of the population. The importance of improving the quality and accessibility of education as a key tool for increasing the competitiveness of the workforce and adapting to the requirements of the modern labor market is emphasized. The article analyzes trends in the development of educational services and suggests ways to improve them to stimulate employment, especially among young people and in regions with high unemployment.

The article reveals the key characteristics of the service sector, as well as the areas of interaction of a number of factors that have determined positive changes in the service sector of the economy. This article shows that the role of the service market as one of the most important sectors of the economy today is very large and relevant and saturation of the market with new goods require rapid growth in scientific and technological progress, as well as in the service sector.

This study investigates the causal nexus of imports, exports, and economic growth in Uzbekistan using time series evidence and advanced econometric techniques. The empirical analysis begins with unit root testing by employing the Augmented Dickey-Fuller (ADF) test, followed by the Johansen cointegration test to establish long-run equilibrium relationships between the variables. A Vector Error Correction Model (VECM) is employed to test short- and long-run causality. The results reveal unidirectional causality from imports to exports, changes in import activity significantly influence export performance. The study further finds bidirectional (bicausal) relations between imports and economic growth and between exports and economic growth. The implications of these findings are that both trade components do play a significant role in the economic development of Uzbekistan. The results emphasize the importance of balanced trade policy that benefits both growth in imports and promotion of exports in order to achieve long-term economic growth.

This article critically reviews the main methods used to analyze the determinants of foreign direct investment (FDI), focusing on panel data regression, gravity models, generalized method of moments (GMM), and qualitative-comparative analysis (QCA). For each method, we synthesize findings from major empirical studies to understand how specific economic, institutional, and policy variables influence FDI inflows. The study reveals that methodological choice significantly affects the magnitude and even direction of FDI determinants, underscoring the importance of mixed approaches in policy research.

The article shows the economic essence of tax risk and the importance of scientific views on it, the importance of tax policy in shaping economic behavior and results in Uzbekistan. They are studied from the point of view of high tax rates, complex rules and low tax ethics as serious obstacles to entrepreneurial activity and development, and scientific conclusions and proposals are formulated, taking into account the economic essence of tax risk and scientific views on it.

This article analyzes the development of gastronomic tourism in the Republic of Karakalpakstan, examining its potential, the conditions currently being created for the tourism sector, and the resources available for gastronomic tourism. The main focus is on the national dishes of the Karakalpaks, including their preparation techniques, incorporation into tourist routes, and descriptions of various traditional foods. Additionally, based on research, the author has compiled and analyzed a list of key dishes in Karakalpak cuisine.

This paper examines the impact of loyalty programs on customer loyalty in the fashion industry. A systematic literature review was conducted first, followed by an online survey of 200 respondents. Logistic regression analysis revealed that program participation, discounts, and mobile app usage positively influence purchasing decisions. The model’s pseudo R² of 0.48 indicates that the included variables explain over half of the variance. Findings highlight financial incentives and the convenience of digital platforms as critical drivers of customer loyalty. The study emphasizes the need to combine thorough literature review, empirical surveys, and econometric modeling to design effective loyalty programs.

This article discusses the analysis of material resource provision and its main directions. It also presents various approaches to analyzing the provision of material resources as described in scientific sources. As a result of the research, the author’s methodology for analyzing the provision of material resources is proposed, along with ways to use it effectively and reduce resource consumption. The analysis of material resource provision highlights the aspects that should be given due attention. Additionally, factor analysis was used to calculate the impact of the volume of material resources and their return rate on the volume of production.

В современном цифровом пространстве платформы социальных сетей стали неотъемлемой частью образовательных процессов. В этой статье анализируются несколько успешных случаев использования социальных сетей для продвижения и управления образовательными инициативами. Исследование фокусируется на практиках школ и университетов на таких платформах, как Telegram, Instagram, TikTok и LinkedIn. Особое внимание уделяется стратегическим коммуникациям, цифровому лидерству и методам взаимодействия с аудиторией. Результаты способствуют разработке практических рекомендаций по эффективному использованию социальных сетей в управлении образованием.

This article is aimed at studying the introduction of the “Open banking” business model into the financial sector of Uzbekistan as one of the strategic mechanisms ensuring the digital transformation of the economy. This model allows for the development of innovations, increased competition in the banking services market, and improved the quality of financial services provided to the population. The concept of “Open Banking” was studied with an emphasis on world practice and the experience of Great Britain, and the activities of banks operating in an open system were analyzed. Also, issues such as creating a reliable regulatory framework, strengthening security and confidentiality measures, and developing cooperation between banks, fintech companies, and regulators were studied. The purpose of the article is to draw attention to the expected risks, along with demonstrating the economic opportunities of the “Open Banking” business model in the process of its gradual implementation.

In this study, the theoretical and methodological foundations of improving the mechanisms for increasing personnel potential in the service sector are deeply studied. In particular, the specific features of the service system, the need to form personnel with modern knowledge and skills, and the factors of effective use of labor resources are analyzed. In the course of the research, foreign experience was studied, and the possibilities of its application based on models adapted to national conditions were determined. Also, theoretical proposals are put forward for reforming the professional development system in the service sector, developing effective mechanisms based on criteria for assessing professional competence and innovative approaches. The research results have important scientific and practical significance in the development of human capital and the training of competitive personnel in the service sector.

This study examines the causality between foreign direct investment (FDI), economic growth, and trade openness in Uzbekistan over the period 1997-2023. Based on the Augmented Dickey-Fuller (ADF) test, it is concluded that all of the variables are integrated of order one, or I(1). Johansen cointegration test also confirms the existence of at least two long-run cointegrating vector among the variables in question. A Vector Error Correction Model (VECM) is employed to examine causality in both the short and long run. The results illustrate a bi-directional relationship between FDI, economic growth, and trade openness in both time frames. These findings are suggestive of the reality that policies of trade liberalization and investment climate can stimulate economic growth, FDI inflows, and trade growth concurrently. The paper presents practical policy implications for ensuring Uzbekistan's macroeconomic stability and long-run development via a coordinated trade and investment policy.

This article examines the position of the Republic of Uzbekistan in the Logistics Performance Index (LPI) rankings, analyzing the key indicators that shape the index and their impact on the national transport system. The study identifies the correlation between LPI scores and the current state of Uzbekistan’s transport and logistics infrastructure, highlighting existing challenges and development opportunities. The role of LPI in enhancing the country’s transit potential within the global trade system is also emphasized. The paper concludes with policy recommendations aimed at improving Uzbekistan’s performance in the LPI rankings.

This article highlights the importance of introducing digital technologies and blockchain systems in increasing the efficiency of innovative processes in the activities of commercial banks and ensuring competitiveness. The role of modern information technologies, in particular blockchain platforms, in the process of digitizing the bank lending system, their functional capabilities, level of security and efficiency of use are analyzed. The article also details the trends in the digitalization of the economy, the spread of mobile and Internet services, the share of the ICT sector in GDP, and the development of e-commerce. The need to use economic and mathematical (econometric) models in assessing and forecasting economic processes is substantiated.

This article is based on the development and implementation of a climate budget labeling model for Uzbekistan with the support of the United Nations Development Program. The history of the economic approach to the concept of sustainable development is covered. A forecast of funds provided for 2024 for the section of “green” budgeting sectors is given.

In this article, the system of certification and accreditation of tour guides in all regions of the country in the training of guide-excursionists for the use of the tourism potential of the Navoi region, as well as the increase in demand for quality excursion services and their effectiveness due to the rapid development of domestic tourism in Uzbekistan, were studied. The reforms being carried out in Uzbekistan and the prospects for development in this area were also highlighted.

This article analyzes the main indicators of the tourism sector, studies the level of employment in the sector and theoretical aspects aimed at increasing it. In addition, practical proposals are presented for increasing the level of employment in  tourism sector.

The given article explores the definitions related to the concept of rail diplomacy provided by diverse scientists and sources. It also covers the attitudes to rail diplomacy in different country cases as well as the prospects for the development of railway diplomacy in the conditions of integration of the counties into the world economy. The article touches upon the potential consequences and benefits of the application of the railway diplomacy for the whole economy and specific branches of it. The statistics dealing with the certain projects related to the railway diplomacy in definite countries were also used in the work.

In this article, the theoretical basis of the processes of using food resources in the Republic of Uzbekistan is studied. Also, the issues of production and use of primary food products delivered to the population were considered, and the meat and dairy products produced and delivered to the population in 2001-2021 were analyzed economically. In studying and analyzing the consumption of these products, numerical results were obtained by creating an econometric model of this process. Based on the results, economic analyses, conclusions and proposals were developed. Also, in this article, a program was created using the Python programming language to perform correlation and regression analysis.

The article examines internal and external factors that influence the efficiency of the enterprise value management system, and details the role and significance of these factors in the enterprise value management process. The important role of the efficiency of managing production, investment and innovation processes at the enterprise, managing the financial and material resources available at the enterprise, as well as human resources, in the enterprise value management system is substantiated.

This article focuses on analyzing the growth of China's industry during the period from 1992 to 2023 and calculating its forecast for the next 5 years. The aim of the article is to examine the short-term and long-term relationships between China's industrial development and the economic indicators of the selected factors. A quantitative method was applied in the study. To analyze the industry that characterizes economic development and the macroeconomic factors influencing this indicator, econometric time series models were used, including OLS (Ordinary Least Squares) and VAR.

The article is devoted to the problems of improving the system of production and processing of steppe-pasture livestock products. The issues of pasture degradation, reduced productivity, factors affecting the nutrition of Karakul sheep, and the development of livestock farming using innovative technologies are covered in detail. The proposed technologies are aimed at the effective use of pasture resources, increasing productivity and ensuring economic efficiency.

This article explores the main factors that hinder the formation and development of Uzbekistan’s tourism brand. From a marketing perspective, a tourism brand is not only a means of creating a positive external image but also a reflection of the country’s economic, social, and cultural development. However, several systemic challenges stand in the way of fully implementing a cohesive brand strategy.

В данной статье проведен анализ кредитного портфеля государственных банков Республики Узбекистан. Проанализирована политика коммерческих банков в отношении физических лиц и кредитная политика в отношении юридических лиц. Разработаны предложения по эффективному использованию кредитных рисков и кредитных линий в коммерческих банках.

The article examines the effectiveness of internal audit in order to achieve the strategic goals of companies, analyzes the role of internal audit in the corporate governance system, reveals its functions and impact on management processes, and examines current trends and challenges in the development of internal audit.

This article analyzes the dynamics of taxpayers and tax revenues for the use of subsoil in Uzbekistan. The issues of ensuring the transparency of the tax system, increasing the role of the tax system in ensuring the effective use of natural resources and economic stability are discussed. Problems in the tax system for the use of subsoil are identified and practical proposals and recommendations are given to eliminate them.

This paper investigates the determinants of Return on Equity (ROE) in joint-stock companies in Uzbekistan, using the DuPont Model to analyze the impact of profitability, efficiency, and leverage. Panel data from 25 Uzbek non-financial firms over a 10-year period (2014–2023) were examined using fixed and random effects models. While profitability and efficiency show a significant positive effect aligned with the DuPont assumptions, the leverage demonstrates a negative effect. In the lagged model, all three factors have a considerable positive impact. Being the first paper to analyze non-financial companies in Uzbekistan, it provides useful insights into companies’ performance drivers for both researchers and managers.

This article analyzes the significance and practical aspects of implementing ESG standards (Environmental, Social, and Governance) in the activities of insurance companies. It highlights the impact of ESG principles on investment processes, particularly in enhancing capital efficiency, improving risk management, and strengthening investor confidence. Based on the analysis of both domestic and international research, the article examines the mechanisms of ESG integration within the insurance sector and identifies key success factors as well as existing barriers. The paper provides practical recommendations for the effective implementation of ESG, including the development of internal policies, ensuring reporting transparency, and revising investment portfolios.

In this work, the role and significance of the creative economy in modern socio-economic processes are analyzed. It substantiates the role of creative fields - such as art, design, advertising, information technologies - in diversifying the country's economy and creating new jobs. The author put forward innovative strategic approaches suitable for the conditions of Uzbekistan. In particular, measures such as the creation of creative clusters and hubs, the expansion of public-private partnerships, support for digital platforms and startup ecosystems, and the introduction of special educational programs for creative industries are recommended.

This article addresses the issues of practical application of information sources and its structural structure in accordance with international standards, which are used in the application of analytical actions in the audit of current assets. The scientific study examined the issues of analysis taking into account the nature of the reserves, as well as their application in the audit process from the data of the analysis.

This article analyzes the impact of digital platforms on international trade. Digital technologies play a crucial role in optimizing trade processes, reducing transaction costs, and expanding access to new markets. At the same time, the development of digital platforms highlights issues such as digital inequality, cybersecurity, and legal regulation. The article proposes measures to mitigate these risks and promote the development of digital trade.

In recent years, agricultural production has become increasingly challenging due to climate change, land degradation, and environmental pollution. The application of sustainable agricultural practices is viewed as a viable solution to these issues. Calculating the sustainability index of agricultural producers can serve as a useful tool in identifying appropriate solutions. This study develops and applies a methodology for the quantitative assessment of the Sustainable Agriculture Practices (SAP) Index, based on survey data collected from 300 wheat-producing farm enterprises in the Samarkand region. The findings indicate that the average sustainability index among the surveyed farms is 0.34, suggesting that the production practices employed by these farms are characterized by a low level of sustainability.

This article analyzes modern approaches to forecasting regional socio-economic development, including the use of economic-mathematical models, artificial intelligence, and geoinformation technologies. The study highlights the significance of integrating targeted and empirical approaches with composite indicators to ensure sustainable development. Reducing interregional disparities, stimulating investment activity, and preparing reliable forecasts for policymaking are considered important scientific and practical tasks. Thus, the role of forecasting and planning processes as a scientific foundation for strategic governance is substantiated.

The article analyzes the importance and prospects of implementing digital technologies in public procurement. It examines opportunities to increase transparency and efficiency of procurement processes, reduce corruption risks, and improve economic performance through modern digital solutions. Existing challenges in Uzbekistan and proposed measures to address them are also discussed.

The article examines the problems and solutions for the efficient use of household lands. In recent years, improving the efficiency of land use has been called the most pressing problem. In particular, our president is carrying out large-scale work to improve the efficiency of land use in Uzbekistan. Economic analysis of the efficiency of agricultural land use in eliminating food insecurity of the population, research into the problems and creation of a scientific basis for their provision is a requirement of the time.

This article discusses the challenges of increasing the assets of commercial banks in Uzbekistan and ways to accelerate their activities in the national economy. During the ongoing reform of the financial sector, several measures have been implemented to create the necessary legal framework for maintaining a strong banking industry and fostering competition. The article also presents the existing challenges in increasing the volume of bank assets and the author's proposed solutions.

This article examines the scientifically based methodology for taxation and valuation of real estate. In order to increase the efficiency of the taxation system, various models and valuation methods are used to determine the market value of real estate. The main attention is paid to the use of comparative, cost, and income approaches in assessing the influence of price-forming factors. Statistical analysis, expert assessment, and mathematical modeling methods are widely used in taxation and valuation of real estate. This methodology is based on the correct selection of market information and data on types of real estate, which contributes to the fair distribution of the tax burden. Also, proposals and recommendations have been developed for the implementation of methods and models of taxation and valuation of real estate in Uzbekistan.

В данном исследовании рассматривается анализ туристической инфраструктуры в Южной Корее с целью оценки состояния инфраструктуры на основе комплексного подхода, включающего компоненты транспортных сетей страны, цифровые (умные) услуги, мониторинг окружающей среды и устойчивость к чрезвычайным ситуациям. В исследовании анализируются транспортная инфраструктура, покрытие Интернетом и 5G, интеллектуальные туристические приложения, кибербезопасность, зеленая инфраструктура и факторы устойчивости до и после пандемии. В то же время будут также освещены вопросы регионального дисбаланса и цифровой инклюзивности. Анализируются практические меры по улучшению. Основная цель исследования — изучить туристическую инфраструктуру Южной Кореи на основе комплексной модели оценки, выявить имеющиеся сильные и слабые стороны и разработать предложения по повышению устойчивости в чрезвычайных ситуациях. Данное исследование также представляет интерес для политиков и государственных учреждений, туроператоров и владельцев цифровых платформ, научных исследователей и студентов университетов, местных сообществ и специалистов по региональному развитию, а также организаций по экологии и управлению природопользованием и специалистов в области развития урбанизации. Научная новизна исследования заключается в том, что оно вносит новый теоретический и практический вклад в тему путем разработки модели оценки и набора эмпирических показателей, объединяющих компоненты туристической инфраструктуры, транспорта, интеллектуальных услуг, мониторинга окружающей среды и устойчивости.

The article highlights the essence, characteristics and advantages of inclusive entrepreneurship, its role in state socio-economic policy, and defines the concept of "inclusive entrepreneurship". The possibilities of an inclusive approach to entrepreneurial activity are revealed. The work carried out in the country, in particular in the Khorezm region, to support inclusive entrepreneurship is analyzed. Proposals for their development based on the principles of equality are put forward.

The article reveals the essence of the service sector, conducts an economic analysis and examines its main indicators and development prospects. An economic and statistical analysis of the role and importance of the service sector in the national economy, its share in GDP and key indicators is also given.

This study is primarily dedicated to analyzing the supply and demand dynamics of foreign migration markets for citizens of Uzbekistan, with a particular focus on in-depth examination of current migration and emigration trends. It also addresses the prospects of establishing bilateral agreements with governments of countries that possess significant potential for the employment of Uzbekistani nationals. Special attention is given to the development of mechanisms for the vocational training of citizens with secondary education, aimed at preparing them for employment abroad. The research employs a mixed-methods approach and is oriented toward generating practical policy recommendations.

Modern mechanisms for financing projects in the banking sector are a complex and multifaceted process, playing an important role in implementing innovative and effective investments in various sectors of the economy. These mechanisms are aimed not only at allocating financial resources, but also at managing risks, ensuring project sustainability, and building trust between clients and investors. Banks are radically improving the process of financing projects by widely using digital technologies, advanced credit assessment systems, collateral mechanisms, cooperation platforms, and the principles of sustainable financing in their activities.

This article examines the methods of analyzing and evaluating the economic potential of an enterprise and the factors that enhance its efficiency. The main indicators of economic potential and their importance in ensuring the competitiveness of the enterprise are analyzed. The article presents evaluation methods based on financial and economic indicators and discusses their practical application.

The article summarizes the country's long-term progress in improving tax administration in the tax sphere, emphasizes the role and importance of the interregional tax inspectorate in improving large-scale reforms aimed at further strengthening the trust of business circles. Some important reforms implemented in the tax system of Uzbekistan have been studied, scientific and practical conclusions and proposals have been developed based on foreign experience and its application in our country.

This article analyzes the state of investment-construction processes in Samarkand region, existing problems and ways to solve them. Based on the measures taken in the region for urbanization, modernization of infrastructure and expansion of industrial zones, priority areas for improving the investment climate are identified. Also, based on foreign experience, the possibilities of introducing modern construction management mechanisms, strengthening public-private partnerships and increasing efficiency through the widespread use of digital technologies are substantiated.

This article aims to improve the mechanism of tax collection, improve service and education for taxpayers, simplify the tax system and procedures, develop effective communication channels between taxpayers and tax authorities, and improve the mechanisms of tax collection. In addition, the theoretical and practical aspects of the formation of trust and perception of justice and the use of effective coercive measures also increase compliance, the trends in the development of relations, and the main reasons for the occurrence of tax arrears on taxes and fees.

This article analyzes key indicators, revenues, and expenditures related to passenger transportation by railway in Uzbekistan from 2014 to 2023. It explores the role of railway transport in the national economy, development trends, and the impact of the pandemic. The study also provides strategic recommendations to improve infrastructure, implement modern technologies, and enhance service quality. The main goal is to increase the efficiency of passenger transportation and ensure economic sustainability.

The article discusses the theoretical and methodological foundations of the stock market regulation, its place and role in the national economy, characterizes the main instruments of the stock market with an indication of the problematic aspects of their use, analyzes the external conditions for the development of the stock market in the national economy, identifies the features of the development of the stock market mechanism. Also, attention is drawn to the structure of attracting resources of the stock market, which is characteristic of the current stage of the state of the economy of Uzbekistan, recommendations are formulated for their improvement.

This article analyzes the development trends of the chemical industry in the Republic of Uzbekistan, the dynamics of production volumes, and the possibilities of modeling this process. The study empirically evaluates the elasticity of production volume in relation to investment and employment levels based on the Cobb–Douglas production function. A classical linear regression model was constructed using statistical data from 2010 to 2023, and analyses were conducted in the Stata software. Regression results indicate that the growth in production volume is more closely associated with the increase in labor resources. Additionally, forecast values for 2024–2028 were calculated using an autoregressive (AR) model, demonstrating a steady growth in chemical product output. The results of the study hold significant practical importance for strategic management of the chemical industry and for shaping investment policy.

This article discusses the issue of limited ability to offer personalized services to clients in commercial banks of Uzbekistan due to insufficient analysis of their needs, financial status, and behavior. Banks offer standard services to clients, while personalized services are less widespread, which hinders customer attraction. The CRM system has not been fully implemented, and bank employees' skills in digital services are insufficient. The customer segmentation process is an effective tool for solving these problems and helps provide personalized services to clients. Segmentation helps banks improve services, increase competitiveness, and establish long-term relationships with clients.

This study assesses the relationship between healthcare expenditures and sustainable economic growth using econometric analysis. The analysis is conducted using data from 44 countries and applies econometric models (OLS, Fixed Effects, IV (2SLS), GMM). According to the results of the Fixed Effects model, healthcare expenditures have a positive effect on economic growth. However, the results obtained using the IV model are close to those obtained by the OLS method, while the GMM model, which accounts for endogeneity, shows that healthcare expenditures may slow down economic growth. At the same time, the Sargan-Hansen test results indicate that the instrumental variables used are not fully valid. It is concluded that countries may stimulate economic growth by optimizing the volume and efficiency of healthcare expenditures.

The article substantiates the feasibility of using an integrated approach to the study of consumer behavior in tourism as an interdisciplinary scientific problem. The main attention is paid to the theoretical analysis of the essence, structure and methodological foundations of the integrative model that combines economic, behavioral, socio-cultural components. The limitations of classical economic concepts of rational choice and the need to take into account behavioral factors, cognitive distortions, symbolic consumption, as well as the influence of the digital environment on decision-making by tourists are emphasized. The theoretical provisions are partially illustrated by the analysis of the specifics of consumer behavior in the tourism sector of Uzbekistan. A conclusion is made about the importance of theoretical understanding of the integrated approach as a scientific basis for the formation of sustainable strategies for tourism development in modern conditions.

The products of the textile industry have a high level of value added, are favorable for foreign exchange income, form part of the income of the country's budget and are one of the sources of implementation of social programs. The industry also plays an important role in providing the population with jobs and income. Accordingly, based on the analysis of industry indicators, taking into account the place of the textile industry in the development of the country's economy, it is necessary to determine the majud, but unused opportunities in it.