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DYNAMICS AND FACTORS OF SERVICES EXPORTS DEVELOPMENT OF CENTRAL ASIAN COUNTRIES
Gavxar Sultanova

The export of services plays a crucial role in enhancing the export potential of Central Asian countries and diversifying their export portfolios. This article presents an econometric analysis of the key factors influencing service exports, utilizing statistical data from Kazakhstan, Kyrgyzstan, Tajikistan, and Uzbekistan from 2000 to 2021. The analysis employs various methodologies, including fixed effects, random effects, GLS, and fixed effects with Driscoll-Kraay standard errors. The findings reveal that UNCTAD's ICT index and the category "Private Sector," along with GDP per capita, significantly contribute to the growth of services exports in Central Asian countries. On the other hand, population size negatively affects the volume of services exported by the countries analyzed. Based on the results obtained, recommendations were developed to boost traditional and modern services exports from Central Asian countries.

03/28/2025
  • PDF (Russian)
202-211 82 47
ANALYSIS OF CONTEMPORARY TENDENCIES AND TRENDS IN MEDICAL SERVICE PROVISION
Dilshod Vaisov

This article compares traditional and modern needs for medical services, analyzes innovative trends in the development of the medical services sector, and examines characteristics of traditional and modern trends in medical service provision processes. Practical conclusions are drawn from this analysis.

11/28/2025
  • PDF (Uzbek)
233-241 38 20
ANALYSIS OF THE HEALTHCARE SYSTEM OF SAMARKAND REGION AND ITS DEVELOPMENT OPPORTUNITIES
Munavvar Axrorova

The purpose of the study is to consider the healthcare system and the medical services sector, which is an urgent issue in implementing the country's socio-economic development strategies, using the example of the Samarkand region. This article provides a systematic analysis of the medical services sector, which has become an important factor in improving the well-being of the population and the consistent development of the economy in New Uzbekistan, and its development opportunities.

04/30/2025
  • PDF (Uzbek)
30-39 99 72
SCIENTIFIC AND METHODOLOGICAL ISSUES OF ASSESSING THE LEVEL OF FINANCIAL LITERACY OF THE POPULATION
Mirkomil Obilov

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.

06/30/2024
  • PDF (Uzbek)
118-128 114 47
GLOBAL APPROACHES TO STIMULATING THE SERVICE SECTOR THROUGH TAX INCENTIVES
Akmalxon Akbarov

This article explores the role of the service sector in the global economy and analyzes ways to promote it through tax incentives. It examines international practices in service sector tax policy and government support mechanisms, offering insights for their improvement.

07/31/2025
  • PDF (Uzbek)
15-21 76 52
ORGANIZATIONAL AND ECONOMIC MECHANISM OF INCREASING THE EFFICIENCY OF SERVICES IN THE REGIONS
Dadakhan Bozorov

The article examines the organizational and economic mechanisms of improving the efficiency of services in the regions. The main focus is on cases of improving the quality and efficiency of services by modernizing the service sector based on new technologies in the context of innovative economic development.

10/31/2024
  • PDF (Uzbek)
34-43 82 87
KEY INDICATORS OF THE SERVICE SECTOR IN THE REPUBLIC OF UZBEKISTAN
Gulam Ernazarov

The article reveals the essence of the service sector, studies its main indicators and development prospects. The role and importance of the service sector in the national economy, its share in GDP and main indicators are also statistically analyzed.

07/31/2025
  • PDF (Uzbek)
41-48 88 119
AN EMPIRICAL ANALYSIS OF THE IMPACT OF UZBEKISTAN’S SERVICE SECTOR ON THE COUNTRY’S GDP GROWTH
Azizbek Tursinbayev

This article analyzes the impact of all sectors of the service industry on the country’s GDP using regression analysis based on statistical data. Additionally, economic relationships were identified in our research, and a regression model was constructed.

02/27/2026
  • PDF (Uzbek)
204-212 3 2
INSTITUTIONAL AND ECONOMIC FOUNDATIONS FOR IMPROVING THE SYSTEM OF COMMUNICATION AND INFORMATIZATION SERVICE PROVISION TO THE POPULATION
Feruz Nasrullayev

This article examines the issues of improving the system of communication service provision to the population from institutional and economic perspectives. The study provides a theoretical substantiation of governance mechanisms, regulatory instruments, and factors determining the efficiency of the communication services market. Within the framework of the empirical analysis, official statistical data are employed to explore the relationships between service coverage, intensity of use, and regional economic indicators. The findings demonstrate that the sustainable development of the communication services system is directly dependent on the effectiveness of the institutional environment. The article proposes a model of institutional improvement aimed at aligning state regulatory policy, investment balance, and competitive market conditions. The results of the study provide a foundation for the development of scientifically grounded practical solutions focused on advancing communication services and enhancing sectoral governance efficiency.

02/27/2026
  • PDF (Uzbek)
159-167 3 3
MECHANISM FOR CREATING A "SMART ELECTRONIC" PLATFORM FOR COMMERCIALIZING THE REGION'S INDUSTRY IN THE DIGITAL SERVICE MARKET
Murodjon Norov

This article examines the mechanisms for implementing the "Smart Electronic" platform for the effective organization of the commercialization processes of the digital services market in the region's industry. In the context of digital transformation, this platform will serve the integration of enterprises in the region into the market based on modern IT solutions, increasing their competitiveness and economic growth. The study analyzes advanced foreign experience in organizing the platform, the national legislative framework, ways to optimize key business processes, identify justified risks, and increase its effectiveness. The article also develops practical proposals for adapting regional production systems to the conditions of the digital economy, increasing added value, and ensuring stability using the "Smart Electronic" platform

10/31/2025
  • PDF (Uzbek)
170-176 41 32
MAIN DIRECTIONS OF USING DIGITAL BUSINESS IN THE DIGITAL ECONOMY AND MEDICAL SERVICES MARKETING
Malika Parpieva

The article presents the main areas of use of digital business in the digital economy and medical services marketing. The article is devoted to the trends in the digital economy, medical services marketing, in order to improve the quality of medical services by ensuring competition in the healthcare system, in particular, the medical services market, and presents methods that can be used to conduct an analysis of each trend

01/31/2025
  • PDF (Uzbek)
91-99 97 34
THE IMPACT OF THE IT SECTOR ON ENHANCING THE COMPETITIVENESS OF THE NATIONAL ECONOMY IN THE CONTEXT OF GLOBALIZATION
Abdurashid Qodirov , Aliya Axmediyeva , Baxtiyor Ma’murov

This article analyzes the role of the IT sector in enhancing the competitiveness of the national economy under the conditions of globalization. Digital transformation is considered a key factor in economic modernization, export potential growth, and human capital development. The article examines current trends in the global IT market and highlights efforts to develop digital infrastructure in the Republic of Uzbekistan, particularly through the example of the Tashkent IT Park. Statistical data on the structure of ICT services, export volumes, and employment levels are presented. The importance of government support, investment in education, and the training of IT specialists is emphasized. In conclusion, strategic directions are proposed for developing a “knowledge economy” and integrating the IT sector into the global digital space. This article has been prepared within the framework of the scientific research project titled “Study of the prospects and challenges of liberalizing trade in services between Russia and Uzbekistan, as well as the development of recommendations for increasing its volume and mechanisms for achieving this goal”.

05/30/2025
  • PDF (Russian)
162-170 97 57
TRENDS IN DEVELOPMENT AND DIVERSIFICATION OF EXPORTS OF THE REPUBLIC OF UZBEKISTAN
Gavkhar Sultanova

The article analyzes the dynamics of Uzbekistan's exports of goods and services from 2010 to 2023. It assesses the diversification of both the commodity structure and the geographic distribution of exports using the export product concentration index and the export diversification index. Statistical analysis of trends in Uzbekistan's exports during this period highlights the urgent need to accelerate diversification in both the structure and geography of exports. It emphasizes increasing the share of finished goods with high added value in the export portfolio, as well as diversifying and expanding services exports and enhancing regional export activities. To achieve this faster export diversification, a comprehensive set of interrelated measures is required across various areas of economic policy. This includes improvements in trade, investment, and industrial policies, along with deeper institutional reforms.

10/31/2024
  • PDF
232-249 128 99
THE IMPORTANCE OF INNOVATIVE PROJECTS IN THE FIELD OF PUBLIC UTILITIES
Mirjalol Matkomilov, Dilfuza Berdiyeva

This article analyzes the importance of innovative projects in municipal services. Based on the experience of the world and Uzbekistan, the study examines the economic, environmental, and social benefits of introducing innovative technologies. Innovative projects, including smart cities, digital management, energy efficiency, and waste recycling, analyze the possibilities of effective resource management, environmental protection, and population well-being through such approaches as smart cities, and digital management. The article also discusses the existing infrastructure, and financial and technological constraints in introducing innovative technologies and provides recommendations for solving these problems.

11/29/2024
  • PDF (Uzbek)
180-184 105 74
SERVICES PROVIDED TO THE POPULATION IN MODERN AREAS AND THEIR DESCRIPTION
Najmiddin Ismailov

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.

11/29/2024
  • PDF (Uzbek)
133-138 65 33
ENHANCING FINANCIAL SERVICES IN COMMERCIAL BANKS AND STRATEGIES FOR SUSTAINABLE DEVELOPMENT
Bekhzod Rozikov

This paper examines strategies for developing financial services in commercial banks to enhance their competitiveness, efficiency and value proposition. In an era characterized by rapid technological advances and changing customer preferences, commercial banks are faced with the need to innovate and adapt to changing market demands. This article identifies the key strategies of banks to achieve sustainable growth and maximize customer satisfaction. These strategies include digital transformation, expanding product offerings, improving customer experience, enhancing access to financial services, strengthening risk management, investing in talent development and sustainable financing practices. Implementing these strategies will help commercial banks take a leadership position in financial services, drive business growth and achieve the broader goals of economic prosperity and social well-being.

04/30/2024
  • PDF (Uzbek)
218-223 179 102
ECONOMIC ESSENCE, CONTENT AND CLASSIFICATION OF CONSTRUCTION SERVICES
Dilafruz Abdullaeva

The article provides a scientific and theoretical analysis of the economic essence, content, and classification of construction services. Within the framework of the evolution of service sector theory, construction services are examined as an independent type of economic activity. The study substantiates the role of construction services in the investment and construction process, their impact on the development of the real sector, regional economic growth, and the formation of human capital. A classification of construction services based on functional, technological, and economic characteristics is proposed, highlighting their importance in creating high value added. The findings have practical significance for the development of the construction services market, improvement of management mechanisms, and ensuring sustainable economic growth.

02/27/2026
  • PDF (Russian)
9-15 4 3
FINANCIAL TECHNOLOGY PROJECTS AS THE FUTURE OF THE FINANCIAL SYSTEM
Asomiddin Jalilov

This article analyzes the impact of financial technologies (FinTech) on the development of Uzbekistan’s financial system. It is argued that FinTech projects serve as an essential tool for improving financial inclusion, enhancing service efficiency, and boosting economic productivity through digital payments, mobile banking, and microcredit services. The discussion is based on statistical data, international practices, and national legislation, highlighting the future potential of FinTech in the country.

04/30/2025
  • PDF (Uzbek)
129-132 138 57
INNOVATIVE TECHNOLOGIES IN TOURISM DEVELOPMENT: INTERNATIONAL EXPERIENCE AND PROSPECTIVE DIRECTIONS
Muslimakhon Sokhibova

This article discusses innovative technologies in tourism. It also analyzes international experience, and the application of innovative technologies in our country. The improvement of the quality of services of tourist organizations and the development of tourist attraction strategies with the help of innovative technologies in tourism is also provided

05/31/2024
  • PDF (Uzbek)
306-312 104 74
CURRENT STATUS AND TRENDS OF INVESTMENTS INTO THE TOURISM SECTOR IN OUR COUNTRY
Gavhar Gavhar

This article analyzes the current state and trends of investment in tourism in Uzbekistan. The volumes and sources of investment in tourism, their role in developing tourism infrastructure and improving the quality of services are considered. Aspects such as domestic and foreign investment in the industry, government policy and the impact of economic factors on the tourism sector were also studied.

05/30/2025
  • PDF (Uzbek)
107-110 141 0
PRIVATE INDICATORS OF THE SERVICES SECTOR IN THE DIGITAL ECONOMY
Mamurjon Abdivokhidov

This article pays special attention to private indicators of the service sector in the context of the digital economy. In the context of the digitalization of the economy of our country, the method of regional approach in assessing the development of the service sector is also important for developing effective management decisions in this regard, improving the method of assessing the services provided. in the regions in the context of the digital economy in terms of volume per capita, proposals and recommendations are given

07/31/2024
  • PDF (Uzbek)
9-14 109 67
FEATURES OF THE DEVELOPMENT OF THE MODERN CONSUMER SERVICES MARKET IN THE REGIONS OF UZBEKISTAN
Rustam Musaboyev

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.

06/30/2025
  • PDF (Russian)
54-59 82 34
INFRATUZILMA FAOLIYATI ASOSIDA KICHIK BIZNES VA XUSUSIY TADBIRKORLIKNI RIVOJLANTIRISH STRATEGIYALARI
Sardor Kosimov

This article discusses strategies for the development of small businesses and private entrepreneurship through the improvement of infrastructure activities. By analyzing various elements of infrastructure, such as financial services, technological support, legal frameworks and logistics, the authors of the study identify key factors contributing to the growth and sustainability of small enterprises. The study highlights the importance of creating a favorable business environment, improving access to resources and stimulating innovation as the most important factors in the development of entrepreneurship. The results show that a well-developed infrastructure not only meets the operational needs of a small business, but also allows it to compete effectively in the market.

08/30/2024
  • PDF (Russian)
398-304 57 25
INSTITUTIONAL CONDITIONS FOR ECONOMIC GROWTH IN THE SERVICES SECTOR
Dilshod Musinov

To organize full control and management of the activities of the organizational and economic mechanism in the services market of our republic. Classification of indicators that determine the principles, factors and institutional conditions of economic growth in the services sector, as well as research on the methodology of assessing labor efficiency.

12/27/2024
  • PDF (Uzbek)
122-127 121 31
MAIN TRENDS AND PROSPECTS FOR EXPANDING MUTUAL TRADE BETWEEN THE RUSSIAN FEDERATION AND THE REPUBLIC OF UZBEKISTAN UNTIL 2030
Bakhtiyor Islamov, Munisa Turdibaeva, Sitora Primova

In this article, the authors analyzed current state in mutual trade between the Republic of Uzbekistan and the Russian Federation, its commodity structure and dynamics.

09/30/2024
  • PDF (Russian)
290-303 83 50
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