The article examines the influence of the human factor on transport systems. Human behavior has been proven to play a critical role in the success of an engineering system. Therefore, it is important that normal human behavior is taken into account during the design phase. Several options for human behavior are proposed in the design of transportation systems

The article examines the introduction and development of takaful - Islamic insurance in Uzbekistan, the nature of Islamic finance and scientific approaches to its modern financial instruments, as well as revealing the scientific basis of the working mechanism and typology of takaful; The content of takoful as an economic category in the insurance market and its place, the development of takoful in the insurance market and the assessment of its current state are covered.