It is aimed at improving the social stratification of the population and their standard of living, reducing inequality. In addition, solving the issues of distribution and redistribution of the population's income will ensure a comfortable standard of living not only for the needy. In a certain sense, the provision of employment in the informal sector is aimed at protecting the social rights of employees. Establishing progressive tax rates on the incomes of individuals in order to reduce the level of income stratification of the population in our country. Entrepreneurship is aimed at creating new jobs and increasing income

This article analyzes the main factors influencing the level of financial literacy among the population. The research results show that the level of financial literacy depends on socio-demographic characteristics (age, gender, education level, income), financial knowledge, financial behavior, financial attitudes, and financial preparedness. In addition, family, marital status, national and religious characteristics, as well as an individual’s experience with financial products, play an important role in shaping financial literacy.

This article systematically examines the socio-economic factors influencing the level of housing provision for the population. The study identifies and groups key factors such as income levels, employment status, family composition, urbanization processes, availability of mortgage lending, housing prices, state housing policy and subsidies, demographic changes, and infrastructure development. The research findings aim to determine the interrelationships among these factors and the extent of their impact on improving housing conditions for the population, while providing practical recommendations for shaping state policy and ensuring socio-economic stability.

This article presents a scientific analysis of existing methodologies for assessing poverty levels, examining their advantages and limitations. The analysis revealed that current approaches have shortcomings, including the complexity of data collection at the mahalla level, difficulties in identifying informal income, and excessive reliance on official statistics. Consequently, the author proposes a new, improved methodology that integrates economic and social indicators, based on empirical evidence.

To assess the standard of living, the following system of indicators is used: the average wage of employees; the purchasing power of the population based on average wages and pensions; the minimum consumer budget for the main socio-demographic groups of the population; the subsistence minimum, the consumer basket and the structure of consumer spending of various socio-demographic groups of the population. The level of income, including wages of the population, is associated with the social well-being of the family. Depending on the level of income, a person achieves a certain goal: survival, material prosperity, development.

It is aimed at improving the social stratification of the population and their standard of living, reducing inequality. In addition, solving the issues of distribution and redistribution of the population's income will ensure a comfortable standard of living not only for the needy. In a certain sense, the provision of employment in the informal sector is aimed at protecting the social rights of employees. Establishing progressive tax rates on the incomes of individuals in order to reduce the level of income stratification of the population in our country. Entrepreneurship is aimed at creating new jobs and increasing income. According to the information given above, a new approach to higher education institutions, a modified introduction to the education system is becoming a demand of the times. The article focuses on the preparation of highly qualified personnel through the introduction of training into the higher education system.

The article includes an in-depth study of the consumer services market, including an analysis of relevant and generalizing issues, taking into account the specialization of various types and forms of services. The paper examines the relationship between the current situation in this area, the level of demand for it, the need for household services and the level of income of the population in the regions, and also determines the main trends in the development of the industry.

By Decree of the President of the Republic of Uzbekistan PQ-4400 dated July 23, 2019 ”On measures to increase the popularity of microfinance services“, the Central Bank of the Republic of Uzbekistan was entrusted with the task of developing a “national strategy for increasing financial popularity”, which provides for expanding the popularity of financial services and increasing the level of financial literacy of business entities, consumer protection in the provision of financial services. The Central Bank of the Republic of Uzbekistan has developed a national strategy to increase the popularity of financial services for 2021-2023. In this strategy, special emphasis is placed on the issues of entrepreneurship development in the country, income growth, and improving financial literacy of the population as an important tool for poverty reduction. It follows from this that in this monographic study, the issues of improving financial literacy of the population have been scientifically and methodically analyzed and practical suggestions and recommendations have been developed.

The employment indicator of the population is one of the most important descriptive aspects of the labor market, which, as an economic indicator, reflects the level of satisfaction with wages, the number of employees, the level of involvement in labor activity, personal needs, etc. In this regard, one of the urgent tasks is to study the issues of youth employment, which is considered a kind of “hot” segment of the labor market.

In this article, a statistical study of the level and dynamics of life of the population is carried out. To determine the main directions for assessing the standard of living of the population in our country and statistical analysis of the monetary incomes of the population in its territories, the sources of their formation

This article scientifically substantiates the objective necessity of organizing tourism services and reveals their socio-economic essence. The role of the tourism sector in the national economy, its share in the services market, and its importance in increasing employment are analyzed. In addition, the opportunities for increasing national income, developing regional infrastructure, creating new jobs, and improving the living standards of the population through the effective organization of tourism services are examined. The article also highlights the social significance of tourism as a factor of intercultural dialogue, the enhancement of the cultural and spiritual level of the population, and the role of innovative approaches aimed at sustainable tourism development. The study identifies the priority directions in the organization of tourism services and develops recommendations for their improvement.

This article explores scientific issues related to inequality and stratification of population incomes. Income stratification is considered an integral element of the socio-economic system. The formation of population incomes has its own specific characteristics, and various factors are examined, such as the social status and background of individuals, education level, adaptation to the external social environment, intellectual and managerial abilities, among others.

Maximizing the expected return on investment and reducing the level of possible risk for investors is always a relevant issue. This article discusses modern portfolio theories, expected portfolio returns, and risk factors. Harry Markowitz's modern portfolio theory, his views, and other economists' observations on investment and portfolios are discussed. In the analysis part, a portfolio of 3-year shares of joint-stock companies in Uzbekistan is created, and the expected average income from the portfolio and portfolio risk are determined. Based on the results of the analysis, scientific and practical conclusions are given.

In our country, a youth policy has been developed for the younger generation, especially for them to take their place in society, and this policy has been strengthened by a legal basis and is enshrined in our main document, the Constitution of the Republic of Uzbekistan and a number of regulatory documents, as well as a statement of research aimed at ensuring profitability in increasing population entrepreneurship.

Scientific proposals and practical recommendations are given, paying attention to issues such as the current situation and solutions observed in the population, the scientific potential of the population, the situation in education, assistance to the population with poor social status, providing them with modern education in achieving a level of spiritual maturity, and especially providing them with employment.

The article develops recommendations on the application of the proposals and recommendations on the role of banks in increasing population entrepreneurship in the process of compiling reports of JSCB "Mikrokreditbank".

This article analyzes the return on assets (ROA) indicator in determining the efficiency of commercial banks in Uzbekistan. Bank efficiency is important for the stability of the financial system and economic growth. The study analyzed the activities of commercial banks in the country in 1999-2023 based on statistical data, and also examined the differences in efficiency levels depending on the type of ownership of banks. Although the ROA of state-owned banks was low compared to private and foreign banks, private banks showed the highest level of efficiency. In addition, it was noted that the instability of banking activities and the impact of the pandemic negatively affected efficiency. The results of the study make it possible to offer practical recommendations for improving the activities of commercial banks and the efficient use of resources.

This article examines the impact of inflation on the purchasing power of the population, as well as the consequences of this process for households of various social groups. Based on the analysis of existing literature and our own research, the main causes of inflation, its impact on real incomes of citizens and changes in the structure of consumption were identified. The article also suggests measures to protect against the negative consequences of inflation both from the state and at the individual level. The results of the study emphasize the importance of understanding the mechanisms of inflation and its impact on the household economy, and recommend the implementation of strategies to minimize the risks associated with inflationary processes.

This article describes the role of services in improving the well-being and standard of living of the population of modern areas, their uniqueness, as well as the types of activities included in services. The share of the service sector by types of economic activity is analyzed.

The article discusses the importance of financial literacy in solving the urgent strategic task of reducing poverty and ensuring the well-being of the people. It analyzes trends in the socio-economic development of the country's regions. It examines the dependence of the level of financial literacy on education and age, as well as foreign experience in conducting financial literacy lessons. The author draws conclusions on the organization of teaching financial literacy to various groups of the population.

Today, investments are the most necessary part of the economy in the development of the economy of each country. National and foreign investments in the country serve to rapidly grow the economy, ensure macroeconomic stability, reduce the level of unemployment, improve the lifestyle of the population, increase their income, and provide employment to the population. The article presents the essence of investments, the factors that attract them to the country, as well as opinions and comments aimed at increasing the attractiveness of investments in the regions. At the same time, in today's globalization period, every country of the world acquires important investment importance in improving its economic status, forming new production areas, creating job vacancies, effective use of natural mineral resources of the country and their processing. The biggest factor of economic development of any country is investment.

This article provides scientific recommendations and recommendations to the government of Uzbekistan on determining poverty, the causes of its occurrence and providing state social support to the poor and socially vulnerable segments of the population, as well as temporarily affected by economic reforms.

This article discusses the occurrence of tax debts of legal entities and
individuals, the declaration of their total annual income, the problems that arise when collecting
the amount of debt on property and land taxes at the expense of their property, as well as a
proposal on how to eliminate it, the procedure for digitizing the tax debt collection mechanism is
shown.

This article considers the tasks of achieving the 85th goal of the development strategy of New Uzbekistan for the years 2022-2026, the main indicators of the population’s living standard, the basic principles and trends of income growth, focus areas of enhancing the living standard of the population. Moreover, the article reveals the current situation of the level of supply of goods and prospects for the long-term use of the population in Uzbekistan.

This article analyzes economic indicators in the context of ensuring the economic security of the republic. It has been scientifically studied that solving the issue of employment through business entities, on the one hand, ensures economic growth, and on the other hand, reduces the level of poverty as a result of creating the opportunity to accumulate sufficient resources for social protection of the population.

This article is devoted to the theoretical basis of reflecting the relations related to inventory in business entities of different types of ownership operating in our country in accounting. The types of inventories in business entities, the main tasks of the accountant in accounting for them, as well as opinions on the state of inventory and the establishment of internal control over their storage are highlighted. To fulfill these tasks, first of all, the proposals and recommendations on the use of primary accounting data, synthetic and analytical account registers have been developed. This eliminates several problems in the organization of inventory accounts in economic entities and serves to raise the level of financial reporting dataaccuracy.

The article examines various opinions and views of scientists on the assessment of the tax burden fron the theoretical point of view, the author analyzes the indicator of the tax burden, the practice and procedure of taxation for individuals, its current stat. In addition, the author has developed scientific conclusions and proposals for assessing and distributing the level of the tax burden of taxpayers.