MOLIYAVIY SAVODXONLIKNI OSHIRISH – INVESTITSION FAOLLIK VA FISKAL BARQARORLIKNI TA’MINLASH VOSITASI
DOI:
https://doi.org/10.60078/2026-vol5-iss2-pp202-205Abstract
Moliyaviy savodxonlik shaxsiy daromadlarni boshqarish bilan cheklanmaydi, balki ijtimoiy ta’sirga ham ega. Bilimli aholi o’z oilaviy byudjetini samarali boshqaradi, uy xo’jaliklarining qarzga botish xavfi kamayadi, moliyaviy stress darajasi pasayadi va oilada iqtisodiy barqarorlik shakllanadi. Shu bilan birga, aholining moliyaviy bilimini oshirish moliyaviy qarorlarni ongli qabul qilish, kutilmagan iqtisodiy shoklarga bardosh berish va jamg’armalarni samarali investitsiyalarga yo’naltirish imkonini beradi.
References
OECD. (2021). Financial Literacy Levels in the Commonwealth of Independent States in 2021. OECD Publishing, Paris.
Keynes, J. M. (1936). The General Theory of Employment, Interest, and Money. Palgrave Macmillan.
Lusardi. A. & Mitchell. O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature.
O‘zbekiston Respublikasi Markaziy banki. (2021). Moliyaviy ommaboplikni oshirish bo‘yicha milliy strategiya.
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