WAYS TO INCREASE THE PARTICIPATION OF COMMERCIAL BANKS IN POVERTY REDUCTION
DOI:
https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp526-534Abstract
This article examines ways to enhance the participation of commercial banks in poverty reduction. It analyzes the role of banks in alleviating poverty through credit policies, financial inclusion, microloans, and financing social projects. Furthermore, the article suggests measures to strengthen the social responsibility of commercial banks and improve the accessibility of financial services based on international experience.
Keywords:
poverty reduction commercial banks financial inclusion microloans credit policy social responsibility banking services digital economy innovation digital technologies digital platforms business process optimization competitiveness economic growth innovative approaches new technologiesReferences
Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, Inequality, and the Poor. Journal of Economic Growth, 12(1), 27-49.
Farmon (2022) O‘zbekiston Respublikasi Prezidentining farmoni. Kambag‘allikni qisqartirish va tadbirkorlikni qo‘llab-quvvatlash bo‘yicha kompleks chora-tadbirlar to‘g‘risida. Toshkent: Prezident matbuot xizmati.
Helms, B. (2006). Access for All: Building Inclusive Financial Systems. Washington, DC: CGAP.
International Monetary Fund (IMF). (2021). Financial Inclusion and Economic Growth: Policy Challenges and Strategies. IMF Working Papers.
Islom Taraqqiyot Banki (ITB). (2022). Moliyaviy inklyuziya va barqaror iqtisodiy rivojlanish. ITB Hisobotlari.
Jalolov, F., Abduqodirov, A. (2021). Tijorat banklari va moliyaviy barqarorlik: O‘zbekiston tajribasi. Toshkent: Iqtisodiyot va moliya nashriyoti.
Mirziyoyev Sh. (2017) “Aholi bandligini ta’minlash bo‘yicha olib borilayotgan ishlar natijadorligi va samaradorligini oshirishda mahalliy ijro hokimiyati va iqtisodiy kompleksning hududiy organlari rahbarlarining shaxsiy mas’uliyatini oshirish chora-tadbirlari to‘g‘risida”gi 2017 yil 6 may PQ-2960 son Qarori.
O‘zbekiston Respublikasi Markaziy banki. (2023). O‘zbekiston bank tizimining rivojlanish tendensiyalari va istiqbollari. Toshkent: Markaziy bank matbuot xizmati.
Stiglitz, J. & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. The American Economic Review, 71(3), 393-410.
World Bank. (2020). Financial Inclusion and Development: A Global Perspective. Washington, DC: The World Bank.
Xalqaro Valyuta Jamg‘armasi (IMF). (2018). Inclusive Growth and Financial Deepening in Emerging Markets. IMF Publications.
Yunus, M. (2007). Creating a World Without Poverty: Social Business and the Future of Capitalism. New York: Public Affairs.
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
