Vol. 2 No. 5 (2024): Economic development and analysis

Vol. 2 No. 5 (2024): Economic development and analysis
Published: 05/31/2024

Full Issue

Articles

INTERNATIONAL STANDARDS FOR RISK MANAGEMENT
Madinabonu Abdullaeva

This article describes the relevance of managing and assessing financial risks when developing company forecasts. International standards for assessing financial risks and their economic essence have been studied. Conclusions are drawn about the important features of financial risk management. A scientific proposal and practical recommendations for improving risk management have been developed

12-18 161 110
ANALYSIS OF ECONOMIC SECURITY INDICATORS IN BUSINESS ACTIVITY AND THEIR ASSESSMENT METHODS
Abdulkhamid Akbarov, Muhammadamin Ermatov

Entrepreneurial activity, which has a significant contribution to the economic development of the country, is constantly supported by the state. In ensuring its economic security, it is important to analyze the economic situation of the activity, to determine the specific indicators of economic security, and with the help of this, to assess the economic security of the business activity. In this article, the necessary indicators for ensuring the economic security of business activity and the assessment of the level of economic risk of the activity are scientifically analyzed.

19-25 257 91
INFLUENCE OF THE HUMAN FACTOR ON THE SAFETY OF THE “HUMAN-TRANSPORT-PRODUCTION ENVIRONMENT” SYSTEM
Obidjon Aliyev, Nodirbek Erhonboev

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

26-31 148 47
IMPROVING THE USE OF CONSUMER BEHAVIOR RESEARCH AND ETHICAL MARKETING TOOLS IN THE WINE MARKET
Bonuposhsha Azadova

The basic approach of the concept of social and ethical marketing is to determine the needs, desires and interests of the target markets, to ensure the desired level of satisfaction in effective ways aimed at maintaining and increasing the well-being of the consumer and society as a whole. The implementation of the social and ethical marketing concept requires a balance of three factors: the profit of the producing organization (industry, state), purchasing needs and the interests of society. There are also five basic principles of ethical marketing. It is necessary to create evaluation metrics to analyze the state of compliance with the basic principles of ethical marketing in the practice of all enterprises.

32-39 60 32
DIGITALIZATION AS THE BASIS FOR INNOVATIVE DEVELOPMENT OF AGRICULTURE
Sarsengaliy Bayjanov

Increasing the efficiency of the industry through the digitalization of agriculture forms the basis of the government's agricultural policy in Uzbekistan. Based on this, this article discusses the issues of increasing the efficiency of the industry through the digitalization of agriculture.

40-52 88 67
THE ROLE OF THE TRANSPORTATION SYSTEM IN THE DEVELOPMENT OF THE NATIONAL ECONOMY
Gulsanam Boribekova

The transport system is one of the important factors in the development of the national economy. This article analyzes the contribution of the transport system to trade, industrial growth, employment and regional development by improving the efficiency of mass goods production, regular rapid and safe delivery of large volumes of goods over long (almost unlimited) distances provided by modern transport in any weather. In addition, the article analyzes the advantages and disadvantages of the types of transport and their shares in the volume of foreign trade. Then, the role of railway transport in increasing the export potential was determined and proposals for the development of railway transport were developed

53-59 116 50
DEVELOPMENT OF ELECTRONIC COMMERCE INFRASTRUCTURE: DIGITAL ECONOMY AND ITS MECHANISMS
Ubaydullo Bozorov

In this article, the mechanisms of digital economy and e-commerce infrastructure development are studied, and the main aspects of e-commerce and digital economy, which are entering every field today, are analyzed. is information that can be used a lot. The Internet is a global network in which the scope of use of resources is not limited, as well as the possibility of storing them thanks to cloud technologies

60-66 72 45
RELATIONSHIP BETWEEN INNOVATION PROCESSES AND VENTURE CAPITAL AND INFLUENCED FACTORS
Suhrob Chulliyev

Today, in the conditions of increasing competition in the world market, the use of venture capital to increase the level of innovative activity is of urgent importance. Based on this, this article describes the relationship between innovative development and venture capital from a scientific and theoretical point of view, and the factors influencing it are detailed.

67-74 59 85
THE METHODOLOGY OF IMPROVING THEIR EFFICIENCY OF MEDICINAL PLANTS GROWN IN AGRICULTURE BY IMPROVING MECHANISMS OF SALE
Maftuna Ermatova

In the article, medicinal plants grown in agriculture occupy an important place in modern medicine and pharmaceuticals. However, their effectiveness in the market can be significantly increased by improving sales mechanisms. The methodology of increasing the effectiveness of sales of medicinal plants includes a number of main stages. The article provides information about the scientific and practical aspects of such issues

75-80 58 34
FACTORS AFFECTING THE QUALITY OF THE STAFF TRAINING SYSTEM FOR THE FIELD OF TOURISM
Rustam Eshmurodov

The tourism industry is highly dependent on the skills of the workforce and the quality of their service in providing excellent services and experiences to travelers. Therefore, a solid system of personnel training is important to ensure that employees have the necessary skills and knowledge to meet the changing demands of the tourism industry, international standards, and the needs of tourists. However, various factors can affect the effectiveness of such training programs. In this research, several aspects that can affect the quality of the personnel training system in the field of tourism are studied. Based on empirical evidence and theoretical foundations, the article provides insights and recommendations on opportunities and strategies to optimize and modernize training systems to improve employee performance and organizational success in the tourism industry.

81-88 53 39
THE CAUSES OF UNEMPLOYMENT IN KASHKADARYA REGION, ITS IMPACT ON SOCIETY, SOLUTIONS AND FORECAST INDICATORS OF THE LEVEL OF UNEMPLOYMENT IN THE REGION
Javokhir Gafforov

This comprehensive article will discuss the situation of unemployment in Uzbekistan with special attention. The article examines the economic and social consequences of unemployment, its causes and effects on individuals and society. It provides an in-depth analysis of the level of unemployment in Uzbekistan based on statistical data and a forecast of future trends. In addition, the article highlights the need for strategic planning and intervention, and suggests a number of preventive measures to address the problem. The article represents a combination of quantitative and qualitative research methods that offer a holistic view of the topic.

89-96 73 38
WAYS TO DEVELOP A SYSTEM OF SUSTAINABLE ECONOMIC GROWTH AND SOCIAL INFRASTRUCTURE IN UZBEKISTAN
Saifiddin Isanturdiev

The article examines the development of social infrastructure and ensuring sustainable economic growth in our country. Based on the national goals and objectives of the sustainable development of the Republic of Uzbekistan, the priority directions aimed at further increasing the well-being of the population in our republic, as well as in the Syrdarya region, are based on the author's recommendations.

97-103 108 36
THE ROLE OF THE TAX POTENTIAL OF THE REGIONS IN ENSURING FINANCIAL STABILITY
Muslimjon Ismoilov

This article analyzes the macroeconomic indicators affecting the tax potential of the regions. The system of budget-tax policy measures to increase the tax potential of the regions, the ability of the regions to pay taxes, the relations that take place in the process of increasing them and collecting taxes are highlighted on the basis of foreign experience

104-111 38 34
STATISTICAL ASSESSMENT OF INDICATORS OF THE NATURAL MOVEMENT OF POPULATION RECOVERY IN UZBEKISTAN
Asalkhon Jamaldinova

In this article, statistical data on the study of the natural process of population regeneration in Uzbekistan and the analysis of its indicators are presented. Also, opinions were expressed about the results of the study based on factors such as population dynamics, birth and death, the number of women and men, and the labor force coverage coefficient during population reconstruction.

112-118 39 34
FINANCIAL MONITORING: METHOD OF EFFECTIVE MANAGEMENT OF THE FINANCING SYSTEM OF HIGHER EDUCATION INSTITUTIONS
Gulshat Karlibaeva

In this article analyzes the conceivable outcomes of financial monitoring as a strategy of viable administration of the financing framework of higher education institutions, ways to assist move forward the financing of the higher education system by implies of present day disobedient.

119-126 79 50
ECONOMETRIC MODELING OF INDUSTRIAL PRODUCTION GROWTH BY REGION USING PANEL DATA
Zilolakhon Kasimova

The article examines in detail the trends in changes in the industrial sector of our country and the possibilities of increasing its contribution to the gross domestic product. At the same time, 6-year dynamics of 25 types of indicators affecting the growth rate of industrial production were selected as panel data, the values of the parameters were determined for 4 different models, and their economic content was explained

127-132 57 33
AN ECONOMETRIC ANALYSIS OF AIR CONTAMINATION IN UZBEKISTAN
Nurbek Khalimjonov

Pollution and the economy have been closely interconnected throughout the entirety of human history. The understanding of the relationship between environmental degradation and economic development is incomplete as a result of disciplinary prejudices. The aim of this research is to comprehend the dynamic correlation between air pollution and the economy of Uzbekistan. Additionally, it seeks to examine the presence of the Environmental Kuznets Curve (EKC) to identify the most effective policy options for reducing emissions while sustaining economic growth. This study utilized the Bayer-Hanck Cointegration test and Granger Causality tests to accomplish its objectives. The presence of Bayer-Hanck cointegration suggests a durable connection between air pollution and economic growth. Furthermore, the Granger causality test demonstrates that there is a causal relationship between economic growth and the three air pollutants, with a significance level of 0.05. This study seeks to address a gap in the current literature by examining the relationship between air pollutants and economic growth. It attempts to investigate the EKC hypothesis and the effects of air pollution on economic growth specifically in Uzbekistan.

133-142 64 54
ORGANIZATION OF A DIGITAL PLATFORM FOR SERVICE ENTERPRISES IN THE CITY OF SAMARKAND
Rakhima Kurbanova

the article shows the organizational mechanisms of the system for organizing a digital platform for service enterprises in Uzbekistan based on the service classifier model

143-149 39 29
DIRECTIONS FOR THE USE OF INVESTMENT OPPORTUNITIES IN THE ECONOMIC DEVELOPMENT OF THE TEXTILE NETWORK
Gulasal Madrakhimova

In this article, the directions of the use of investment opportunities in the economic development of the textile sector of Uzbekistan are highlighted

150-156 40 40
USE OF ARTIFICIAL INTELLIGENCE IN THE PROCESS OF CONTINUOUSLY IMPROVING THE COMPETENCE OF MANAGERIAL PERSONNEL
Alisher Mamatov

Recent years, as a result of large-scale administrative reforms implemented in Uzbekistan, special attention is paid to the training, retraining and upgrading qualifications of civil servants. At this point, it is important to implement innovative technologies in the process of increasing the capacity, such us, knowledge of management personnel, create favorable conditions as well as virtual environment for them to work independently at any time and place. Taking this into account, this article analyzes the experience of advanced foreign countries on the possibilities of digital technologies, including artificial intelligence technologies in educational processes, and evaluates the competencies of management personnel of such modern technologies, their individual approach based on their potential, and mechanism of continuous development of their competencies has been created, in addition, suggestions and recommendations for its implementation are presented.

157-165 65 43
CURRENT STATE OF THE USE OF DIGITAL PLATFORMS IN THE DEVELOPMENT OF BUSINESS EXPORT
Dilshod Mamasoatov

The article economically analyzes the current state of the use of digital platforms in the development of business exports, and makes proposals for the creation of a unified database of information on the volumes and types of products produced by business entities, as well as for the development of financing. mechanisms for promising projects in the field of entrepreneurship and innovation.

166-174 53 34
THEORETICAL ASPECTS OF THE IMPLEMENTATION OF THE PERFORMANCE INDICATORS SYSTEM (KPI) TO THE OFFICE
Sherali Makhmudov, Shakhnoza Mirzayeva

Improving the effectiveness of management largely depends on the issues of adequate assessment of the work of management personnel. Based on this, this article discusses the issues of implementing indicators for evaluating management effectiveness.

175-184 69 33
THEORETICAL FOUNDATIONS OF LOGISTICS AND ITS PLACE IN THE WORLD ECONOMY
akhongir Mirkasimov

The article is devoted to the theoretical foundations of logistics and its place in the world economy, and the researches of economists are studied within the framework of the topic. Based on the fact that logistics is the main factor of economic growth and development, a conclusion is formed at the end of the topic

185-191 42 53
PROSPECTS AND PROBLEMS OF INTRODUCING ISLAMIC SECURITIES IN THE FINANCIAL MARKET OF UZBEKISTAN
Azizaxon Mirzaxmedova

This article examines the possibilities and problems of introducing Islamic securities to the financial market of Uzbekistan. Sharia-compliant Islamic securities are an alternative to traditional financial instruments and have been successfully introduced in various global markets. This study analyzes the feasibility of such implementation in Uzbekistan, taking into account the specific economic, cultural and regulatory environment of the country. The research emphasizes the importance of improving the existing legal framework and developing the financial infrastructure. By solving the existing problems, Uzbekistan can benefit from the introduction of Islamic securities, which will lead to a more inclusive and diversified financial market.

192-199 116 63
WАYS TO FORM MАRKET INFRАSTRUCTURE IN THE DEVELOPMENT OF ENTREPRENEURIАL АCTIVITY IN THE FOOD INDUSTRY
Mаftunа Mаkhаmаtovа

This scientific аrticle exаmines the importаnce of mаrket infrаstructure in the context of economic modernizаtion, including the impаct of infrаstructure on the аctivities of food production enterprises. Аlso, there аre proposаls аnd recommendаtions for the development of structurаl chаnges in the economy, modernizаtion аnd renewаl of its leаding brаnches, expаnsion of infrаstructure, food industry entrepreneurship, infrаstructure, finаnce, insurаnce, leаsing аnd аpprаisаl compаnies.

200-210 50 40
THE IMPORTANCE OF LOCAL BUDGET REVENUES IN THE IMPLEMENTATION OF THE DEVELOPMENT STRATEGY OF NEW UZBEKISTAN
Olimjon Nabiev

In order to ensure the stability of the socio-economic development of the region, practical proposals and conclusions are presented that substantiate the relevance of increasing the regional importance of local budget revenues in the implementation of the development strategy of New Uzbekistan.

211-218 58 43
ISSUES OF IMPROVING THE PROCEDURE FOR DETERMINING THE SUSTAINABILITY RATING OF BUSINESS ENTITIES IN UZBEKISTAN
Sherzod Nurmatov

The article discusses the implementation of the sustainability rating of business entities in Uzbekistan and some important reforms implemented in the tax system, the experience of foreign countries, indicators and methods for assessing the determination of the sustainability rating, as well as the effective use of its criteria. Causal factors were investigated and analyzed, scientific and practical conclusions and proposals were formulated

219-227 53 37
THEORETICAL AND METHODOLOGICAL FOUNDATIONS OF FISCAL POLICY AND DIGITALIZATION
Shohista Omonova

Many developed countries of the world use fiscal and monetary policy to regulate the economy. Currently, the digitization trend is developing in every industry and sector, and this situation has a positive effect on the improvement and efficiency of industries and sectors. The article provides information about fiscal policy, which is one of the main branches of the economy, and its types and tools, and explains why countries use fiscal policy. Opinions are also given about the importance of digitalization of the fiscal system

228-233 247 63
NECESSITY OF HARMONIZING NATIONAL ACCOUNTING STANDARDS IN ACCORDANCE WITH THE IFRS
Dildora Pashakhodjaeva, Odinakhan Ikromova

This article talks about the relevance and importance of the transition to international financial reporting standards (IFRS) in Uzbekistan today in the process of integration of the world economy. Also, the issues of harmonizing the financial statements prepared on the basis of BHMS in accordance with the MHSS, the stages of transformation are mentioned. Differences between national standards and international financial reporting standards are also analyzed

234-238 153 99
THE IMPORTANCE OF E-COMMERCE IN INTERNATIONAL TRADE
Dono Pulatkhodjaeva

This article analyzes the role and importance of international trade in the country's economy, prospects for the introduction of e-commerce in international trade, problems in the jarring of e-commerce, opportunities, scientific-theoretical and practical views of foreign scientists in this regard. Conclusions and proposals have been made in the relevant order to the problems in the introduction of e-commerce in international trade

239-246 57 77
OLS CONFIDENCE INTERVALS IN NON-LINEAR MODELS: BOOTSTRAP APPROACH
Zarrukh Rakhimov

Linear models has been a powerful econometric tool used to show the relationship between two or more variables. Many studies also use linear approximation for nonlinear cases as it still might show valid results. OLS method requires the relationship of dependent and independent variables to be linear, although many studies employ OLS approximation even for nonlinear cases. In this study, we are introducing alternative method of intervals estimation, bootstrap, in linear regressions when the relationship is nonlinear. We compare the traditional and bootstrap confidence intervals when data has nonlinear relationship. As we need to know the true parameters, we carry out a simulation study. Our research findings indicate that when error term has non-normal shape, bootstrap interval will outperform the traditional method due to no distributional assumption and wider interval width

247-255 90 59
PROSPECTS FOR IMPROVING THE EFFICIENCY OF IRRIGATED LAND USE IN THE SYRDARYA REGION
Sodik Rasulov, Mokhira Rasulova

The effective use of irrigated land is an important basis for the sustainable development of agricultural production. Based on this, this article discusses the issues of improving the efficiency of the use of irrigated lands on the example of a specific territory - the Syrdarya region.

256-261 40 20
THE IMPORTANCE OF FINANCIAL SUPPORT IN DEVELOPING THE TOURISM POTENTIAL OF OUR COUNTRY
Tuyli Ravshanov

In this article, the importance of effective use of funds allocated by the state for the development of tourism in our country in recent years and its role in increasing the number of tourists were studied. In addition, the mechanisms for the organization of promotional activities at the expense of funds from the non-budget tourism support fund have been implemented

262-269 44 40
STАTISTICАL АNАLYSIS ОF THE INFLUENCE ОF SERVICE SECTОRS ОN ECОNОMIC DEVELОРMENT
Аlisher Ruziev

The аrticle аnаlyzes the rоle оf the service sectоr in the ecоnоmy оf Uzbekistаn, its stаtus аnd develорment frоm а stаtisticаl роint оf view. Аlsо, the structurаl chаnges tаking рlаce in the service sectоr in the cоntext оf mоdernizаtiоn аnd diversificаtiоn оf the ecоnоmy аre described. Рrороsаls аnd cоnclusiоns were mаde regаrding the develорment оf the service sectоr

270-279 45 29
THЕ RЕLATІОNSHІP BЕTWЕЕN FOREIGN DIRECT INVESTMENT AND CО2 AND ЕCОNОMІC GRОWTH ІN UZBЕKІSTAN
Musobek Samijonov

Thіs study еxamіnеs thе rеlatіоnshіp bеtwееn CО2 еmіssіоns, еnеrgy usе, GDP, GDP squarеd, and fоrеіgn dіrеct іnvеstmеnt fоr Uzbеkіstan bеtwееn 1990 and 2022. Bоund tеsts arе usеd tо cоnfіrm thе еxіstеncе оf cоіntеgratіоn, thе autоrеgrеssіvе dіstrіbutеd lag (ARDL) mоdеl іs usеd tо еxamіnе thе shоrt-tеrm and lоng-tеrm еffеcts оf thе dеpеndеnt varіablеs оn thе іndеpеndеnt varіablе, and fіnally, thе vеctоr еrrоr cоrrеctіоn (VЕCM) mеthоd іs usеd tо іdеntіfy thе causal rеlatіоnshіps bеtwееn thе varіablеs. Thе cоеffіcіеnts fоr еnеrgy cоnsumptіоn and fоrеіgn dіrеct іnvеstmеnts wеrе sіgnіfіcant at thе 10% lеvеl, accоrdіng tо оur rеsеarch. GDP and GDP2 wеrе shоwn tо bе unіmpоrtant varіablеs. Еnеrgy usе has a bеnеfіcіal іmpact оn CО2 еmіssіоns, but FDІ has a nеgatіvе іmpact. Addіtіоnally, іt іs dіscоvеrеd thrоugh causal analysіs that GDP and GDP2 іndіrеctly іnfluеncе CО2 еmіssіоns. Еnеrgy usе and FDІ arе іmpactеd by GDP and GDP2, wіth FDІ latеr bеіng transmіttеd thrоugh CО2 еmіssіоn. Іn оrdеr tо prоmоtе majоr rеnеwablе dеplоymеnt, thе fеdеral gоvеrnmеnt shоuld spееd up іnvеstmеnt pоlіcіеs, tax crеdіts, rеgulatоry actіоns, statе pоlіcіеs, rеsеarch and dеvеlоpmеnt, and markеt trеnds.

280-292 59 36
MEASURES TO IMPROVE THE LENDING OF ACTIVITIES OF SMALL BUSINESS ENTITIES
Obidkul Sattorkulov, Samandar Raimberdiev

This article examines the problematic situations that affect the lending processes of small business entities. Proportionate cases related to the systematic development features of the processes of increasing the efficiency of crediting of small business and private entrepreneurship activities in the regions have been studied. A scientific proposal and practical recommendations on the improvement of the territorial basis of the mechanism of crediting activities of small business subjects have been formed.

293-298 48 32
STATISTICAL ANALYSIS ON SHORT-TERM SUKUK EMISSION
Zilola Shamansurova, Maftuna Norboyeva

A short-term sukuk is an Islamic securities whose maturing period takes place within a year.This article provides statistical analysis on a number of issues such as the short-term type of Islamic securities (sukuk), the year-cross analysis of short-term sukuk emissions, and the causes of growth and decline trends. The statistical analysis used the annual reports of the International Islamic financial market(IIFM)on sukuk. The analysis was summed up and several additional points were given at the end of the article

299-305 74 42
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

306-312 55 41
FINANCIAL RISKS IN "GREEN" FINANCING
Shirin Tursunkhodjayeva

Environmental risks not only threaten social life, but also cause large financial losses in economic entities. In this area, the introduction of "green" financial instruments is used as an instrument to reduce financial risks. The article analyzes the prospects of the transition to the "green" economy, views on the concept of "green" financing, development trends, financial risks that may arise in the organization of "green" financing, and financial risks that are intended to be eliminated by means of "green" financial instruments.

313-319 57 54
THE SIGNIFICANCE OF INTERREGIONAL CONNECTION IN INCREASE EFFICIENCY IN TOURISM
Mahliyo Umarova, Maftuna Urinova

In this article, the level of inter-regional interdependence and inter-regional equality in the development of the tourism sector is studied. For this, the hotel industry was studied and the level of distribution of hotels across regions was considered. In addition, tourist agencies and organizations were studied, and the degree of their inter-regional distribution was also seen. In addition, in order to create demand for the main segments of tourism mentioned above, it was seen as an urgent topic to pay attention to existing resources and to create new modern resources. In order to increase the number and quality of resources, a number of suggestions were made based on the potential of each region.

320-325 39 27
THE CONTENT AND ESSENCE OF THE MECHANISM OF DEVELOPMENT OF ENTERPRISES IN THE CONSTRUCTION MATERIALS INDUSTRY
Umida Uzakova

The scientific article shows the content and essence of the mechanism of development of enterprises in the construction materials industry. In particular, ensuring the integration of elements of organizational structures and increasing the competitiveness of the enterprise; ensuring self-regulation and interaction of elements in order to organize efficient production; ensuring a steady push to create a permanent combination of production factors based on innovative risk; based on increasing the sustainability of the internal and external environment of the enterprise, as well as ensuring liberalism and effective development of enterprises.

326-337 101 54
OPPORTUNITIES FOR DIRECT FOREIGN INVESTMENT IN SMALL INDUSTRIAL ZONES IN THE CONTEXT OF ECONOMIC MODERNIZATION
Dilshod Halimzhanov

At the present stage of the development of the world economy, the development of economic policy features that contribute to the socio-economic sustainable development of regions and their radical implementation into real life is becoming increasingly important every day. Increasing the possibilities of attracting foreign direct investment in the spheres and sectors of the economy, modernization of industrial enterprises, introduction of advanced foreign equipment and technologies into production is largely due to the creation of special economic zones, including small industrial ones. Based on this, the chosen research topic is becoming relevant today.

338-351 329 42
FOREIGN EXPERIENCE IN ATTRACTING INVESTMENTS IN ECOLOGICALLY PROBLEM AREAS
Aykhanum Yakhshimuratova

This article studied the experience of foreign countries, including the republics of Russia and Kazakhstan, in order to attract foreign investments in environmentally unfavorable territories and eliminate existing problems. Conclusions and recommendations have been developed for applying the experience of foreign countries in the economy of our country

352-360 37 27
IMPROVEMENT OF THE PERSONNEL MANAGEMENT SYSTEM IN THE FIELD OF HEALTHCARE
Sherali Yuldashev

This article analyzes the current aspects of personnel management in the healthcare system of Uzbekistan. The authors explore the specifics of the processes of hiring, training and retaining qualified specialists in the context of the medical system of this country. The article examines the factors influencing the effectiveness of human resources management, such as socio-economic conditions, cultural characteristics and national strategies for the development of healthcare. The existing recruitment strategies, training programs and measures to retain staff in the health care system of Uzbekistan are analyzed, as well as recommendations for their improvement, taking into account the specifics of the country. The results of the study may be useful for developing more effective HR management strategies in the medical sector of Uzbekistan in order to improve the quality of medical care and staff satisfaction

361-368 63 38
DIRECTIONS FOR IMPROVING ECONOMIC EFFICIENCY BY TRANSFORMING JOINT STOCK COMPANIES
Alisher Yusupov, Muslima Sadikova

This article analyzes the directions of increasing economic efficiency by transforming Joint Stock Companies. The indicators of economic efficiency were explained by the growth of bank assets, population deposits and loan investments

369-374 53 32
ANALYSIS OF FIRE RISK MANAGEMENT PRACTICE IN RESIDENTIAL PLACES
Aziz Zikriyoev

In this article, the practice of fire risk management as a result of carrying out rain risk assessment in residential houses of the Republic, installation of security equipment at low cost, possibilities of purchasing safe doors and making decisions in emergency situations is studied. In it, 3002 randomly selected residential areas of the republic were taken as objects. Statistical data of the research were obtained on the basis of social survey questions in Google form online. In the review of the literature, the views of foreign scientists on the subject were studied, and in the process of econometric modeling, the Ologit model was used in the Stata 18.0 program. After the analysis, linktest was used to check the quality of the regression model. Purchase of equipment at own expense and purchase of safe doors were found to be statistically significant in managing fire risks in residential areas.

375-383 42 36
ISSUES OF DEFINING A SYSTEM OF INDICATORS CHARACTERIZING ECONOMIC STABILITY
Sevarakhon Abdullayeva

The article discusses the issues of ensuring economic stability, as well as the approaches developed by economists to determine this indicator. Based on the studied data, a system for assessing the economic stability of industrial enterprises has been proposed.

384-388 53 31
DEVELOPMENT OF INVESTMENT POLICY BY EXAMPLE FREE ECONOMIC ZONES
Gayrat Adashov

This article provides information on the concept of free economic zones (SEZ), methods of their organization and use, and information on the fact that free economic zones are one of the effective forms of investment activity and stimulation of investment activity. Also, information on increasing investment activity based on the wide involvement of local and foreign investors contributing to the stable growth of the economy of individual regions and the country as a whole was analyzed.

389-395 49 24
PROSPECTS AND RISKS OF USING ARTIFICIAL INTELLIGENCE IN THE FIELD OF TOURISM
Nazira Azizova

The article discusses the prospects of using artificial intelligence (AI) in the field of tourism. AI offers a wide range of tools and technologies that can significantly change the tourism industry. The article analyzes both the positive and negative experience of using AI, examines examples of successful international projects and highlights the key risks and challenges associated with the introduction of AI. In conclusion, recommendations are offered for the effective and ethically responsible integration of AI into the tourism business

396-402 69 41
ABOUT THE PROSPECTS OF THE DEVELOPMENT OF SMALL BUSINESS AND PRIVATE ENTREPRENEURSHIP IN UZBEKISTAN
Feruza Azimova

This article shows that today in our country targeted programs aimed at further improving the business environment, rapid development of small business and private entrepreneurship have been consistently implemented, and through the socio-economic reforms that are being carried out to accelerate the growth of the country's economy, to meet the needs of the population, to solve the issues of increasing their incomes, to increase the social activity of young people. aimed at increasing.

403-408 121 51
THE VERSATILITY OF THE CONCEPT OF "INCLUSIVE TOURISM"
Shakhlo Azimova

"Inclusive tourism" is a key concept in modern discussions, but it is often not interpreted clearly enough, in particular because of its connection with various related terms in the field. Due to its versatility, the concept of inclusive tourism arises within a broader range of overlapping concepts aimed at improving both the tourism industry itself and its impact on the travel experience by providing universal travel products, services and an environment for participating in the travel experience. However, despite this perspective, the conceptualization of the term remains unclear. The problem of the lack of a clear definition of the term "inclusive tourism" is partly related to the tendency to consider synonymous terms in the field of tourism as interchangeable, focusing on ensuring access for people with disabilities to tourism products and services.

409-417 106 34
DEVELOPMENT OF TOURISM AND TERRITORY OF THE REPUBLIC OF KARAKALPAKSTAN
Makhbuba Alieva

Currently, there is talk about the accessibility of tourist routes in the regions, their quality, while at the same time, residents of many regions cannot fully provide their tourists with a comfortable and safe public space intended for quality recreation

418-424 42 23
ANALYSIS OF FACTORS FOR ENSURING FINANCIAL STABILITY OF AN INSURANCE COMPANY
Fazilat Artikova

The insurance portfolio plays an important role in forming the basis of any insurance company's activities. Creating a balanced, stable and effectively organized insurance portfolio by an insurance company is an urgent task. Its specific principles and functions, the theoretical foundations of its organization are considered one of the pressing issues that are always in the focus of attention of researchers

425-435 53 32
SCIENTIFIC-THEORETICAL ASPECTS OF ENSURING FOOD SAFETY
Nafisa Akhmedova

This article analyzes the theoretical aspects of ensuring food safety, the problem of ensuring food safety and scientific theoretical views on ensuring food safety. At the same time, an author's definition of food safety was developed.

436-444 133 54
MARKETING ASPECTS OF MODERN ECOLOGICAL TOURISM DEVELOPMENT IN UZBEKISTAN
Ravshan Akhmedkhodjaev

This scientific article emphasizes the marketing aspects of the development of eco-tourism in protected natural areas of the Republic of Uzbekistan, the criteria for the development of eco-tourism in protected natural areas of the Republic of Uzbekistan, provides legal aspects, and summarizes measures for the accelerated development of eco-tourism in Uzbekistan

445-457 56 47
EFFECTIVE USE OF AGRICULTURAL LAND RESOURCES: PROBLEMS AND SOLUTIONS IN THE SAMARKAND REGION
Farhod Ahrorov

The efficient use and conservation of agricultural land resources are of paramount importance for the agriculture of Uzbekistan. This article analyzes the factors negatively impacting the degradation and erosion of agricultural lands, as well as soil fertility and crop productivity. It emphasizes the necessity of balanced use of organic and mineral fertilizers to maintain soil fertility and enhance agricultural productivity. Additionally, recommendations are provided for improving soil health and adopting sustainable agricultural practices.

458-464 38 27
ISSUES OF IMPROVING THE EVALUATION OF THE PERFORMANCE OF EMPLOYEES IN THE SEVEN NEIGHBORHOOD SYSTEM
Ubaidullo Gafurov

In the article, the advantages and disadvantages of KPI indicators are systematized in determining the efficiency of employees' work, and the analysis of indicators for evaluating the activities of assistant mayors, youth leaders, women's activists, prevention inspectors, social workers and tax inspectors according to the most important performance indicators (KPI) was carried out by the chairman of the neighborhood in Uzbekistan. . Also, a suggestion was made by the chairman of the neighborhood regarding the improvement of the method of determining the points given to the employee for his work.

465-473 46 28
DIRECTIONS FOR USING THE EXPERIENCES OF FOREIGN COUNTRIES TO ENHANCE THE EFFECTIVENESS OF INVESTMENTS AND INNOVATION ACTIVITIES
Umida Gafurova

The article studies the best practices of foreign countries and determines the directions for their use in order to increase the efficiency of investments and innovation activities of the country. At the same time, the differences and features of the investment policies of the foreign countries studied (China, India, Chile, Thailand) are analyzed, and the investment strategies and mechanisms of these countries are also studied.

474-481 34 22
CLASSICAL APPROACHES TO INDUSTRY CLUSTERING
Bekzod Davlyatov

The article discusses one of the key areas of economic reform, the theoretical analysis of the clustering process, the main problems arising in the implementation of the cluster approach, and in part, the foreign experience.

482-490 28 34
IMPROVING THE AUDIT OF TAX OBLIGATIONS
Zafar Dulabov

This article describes the theoretical basis of the audit of tax obligations. Also, the analysis of the results of the tax audit on tax obligations is given, and conclusions are drawn at the end of the article.

491-495 34 17
TIJORAT BANKLARIDA KASSA OPERATSIYALARINI TASHKIL ETISHNING USLUBIY JIHATLARI
Abdugapur Ibragimov, Sherzad Sharakhmetov

This scientific article reviews the theoretical and practical aspects of the organization of cash transactions of banks. In addition, the methodological issues of the key aspects of the organization of cash transactions and their audit in commercial banks are revealed.

496-504 53 51
IMPROVEMENT OF COLLECTION OF LAND AND PROPERTY TAXES CALCULATED FROM LOCAL BUDGET REVENUES USING FOREIGN EXPERIENCES
Zafarjon Isokov

In the article, the composition of local budget revenues, the role of land tax, which is considered as a local tax, in the budget-tax policy, scientific and theoretical views on the formation of local budget revenues, as well as the organizational, legal and financial foundations of the formation of local budget revenues, the existing land tax in the conditions of tax reforms carried out in our republic today, in particular, the characteristics of these taxes, the experience of foreign countries in order to further improve the effective and productive use of land.

505-511 42 16
IMPROVING THE PRACTICE OF RISK MANAGEMENT IN COMMERCIAL BANKS OF UZBEKISTAN
Azizbek Karimov

This article consists of developing practical proposals on the negative impact of risk on banking activities in our country based on international experience, in particular the capital adequacy ratio adopted by the Basel Committee and measures aimed at risk management and minimization.

512-518 61 37
GENDER ASPECTS OF LABOR MIGRATION: ANALYSIS, CHALLENGES AND PROSPECTS
Tatyana Kim, Durdona Tursunboyeva

The article presents an analysis of the impact of labor migration on gender dynamics in modern society. The motives and factors of migration are considered, including working conditions, access to resources, and socio-cultural adaptation. Special attention is paid to the identification of gender inequalities and discrimination both at the stages of preparation for migration and at destinations. Gender stereotypes that determine the professional opportunities and social status of migrants are analyzed. The study reveals the complex interrelationships between migration and gender, justifying the need to take measures to create more equitable conditions for all migrants, regardless of their gender identity.

519-528 75 31
ANALYSIS OF THE USE OF SMART TECHNOLOGIES IN THE TAXATION OF CONFIDENTIAL EMPLOYMENT AND INCOME IN UZBEKISTAN
Mukhiddin Kurbanov

The dissertation article explores the essence and highlights the structural elements of the informal sector of the economy, and reveals the content of the category of the informal economy from the point of view of taxation. Based on a review of theoretical literature, international practice and analysis of the situation in Uzbekistan, proposals and practical recommendations for the effective use of taxation mechanisms in containing and reducing the size of the shadow economy have been formed.

529-535 34 20
DETERMINATION OF THE VOLUME OF NET PROFIT OF ENTERPRISES IN THE AK UZNEFTGAZ SYSTEM AND THE IMPACT OF CURRENT ASSETS ON ITS TRANSFORMATION
Dilobar Mavlyanova

This article deals with the issues of effective use of current assets in production enterprises, as well as increasing profits corresponding to the contribution of assets. The increase in circulating assets in relation to the volume of liabilities ensures an increase in the speed of the production process, the continuity of supply of products and the efficiency of the enterprise.

536-549 32 24
INCREASE OF PRODUCTION CAPACITIES OF COTTON-TEXTILE CLUSTERS
Saidkhodja Mansurov

This article presents suggestions and recommendations on the current state and level of utilization of the production capacities of cotton-textile clusters, modernization of textile enterprises from a technological point of view in increasing the production capacity, clusters with a complete chain and the level of utilization of their production capacities.

550-559 38 35
THE IMPACT OF PILGRIMAGE TOURISM ON THE ECONOMY OF UZBEKISTAN: KEY INDICATORS AND CURRENT TRENDS
Shokhida Mustayeva

Pilgrimage tourism is one of the promising areas of tourism development in the Republic of Uzbekistan. The article examines the main indicators and trends in the development of pilgrimage tourism in Uzbekistan, as well as its socio-economic consequences. The purpose of the study is to identify the role of pilgrimage tourism in the economy of the Republic of Uzbekistan, to determine the main indicators and trends in the development of this area of tourism. The ideas of the study are that pilgrimage tourism has significant potential for the development of the economy of Uzbekistan, creating jobs and improving the standard of living of the population.


The research contributes to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The practical significance of the study lies in the fact that its results can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this tourism area.
The methodological basis of the research is the economic and sociological approaches. The research uses methods such as statistical data analysis, including correlation and regression analysis; analysis of official legal documents and scientific literature, generalization, forecasting.
As a result of the study, the following main results were obtained. In 2022, about 313.9 thousand pilgrims visited the country, which is about 6% of the total number of international tourists. Revenues from pilgrimage tourism in 2022 amounted to 125.6 million dollars, which is about 1.52% of the GDP of the Republic of Uzbekistan. According to the forecast for 2023, the incoming tourist flow to the Republic of Uzbekistan will grow to 7 million people, the number of pilgrim tourists will amount to 420 thousand people. Then the income from pilgrimage tourism in 2023 It will amount to $168 million, and the total revenue from tourism will amount to $ 2.8 billion. Using correlation analysis, a direct noticeable correlation was revealed between employment in the tourism sector and income from tourism. Pilgrimage tourism is one of the promising areas of tourism development in Uzbekistan. The results of the study contribute to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The results of the study can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this area of tourism. In particular, the study can be used to improve the regulatory framework governing activities in the field of pilgrimage tourism; development of infrastructure for pilgrimage tourism; promotion of pilgrimage tourism in foreign markets.

560-569 119 61
IMPROVEMENT OF ACCOUNTING POLICY IN NON-GOVERNMENT EDUCATIONAL ORGANIZATIONS
Azimjon Mustafoyev

This article describes the importance of accounting policy in the organization and management of accounting in non-state educational organizations, current issues in its preparation, taking into account the specific features of the process of educational services, as well as the role of accounting policy in the management of accounting in non-state organizations engaged in educational activities.

570-576 38 25
THE ROLE OF LOCAL BUDGET REVENUES IN THE GROWTH OF LIVING STANDARD OF REGIONS
Olimjon Nabiev

The state substantiates the relevance of increasing sources of income for local budgets, which reveals the features of ensuring the stability of socio-economic development of the regions, further improving the quality of life of the population living in the region, as well as practical proposals and conclusions for solving the existing problem.

577-583 36 41
IMPROVING THE PROCEDURES FOR PROVIDING SUBSIDIES, BENEFITS AND PREFERENCES TO BUSINESS ENTITIES
Umid Normurzaev

Improving the procedures for providing subsidies, benefits and preferences to business entities are underway. In addition, the introduction of the stability rating of business entities in Uzbekistan is one of the important tasks of the main change made in the tax legislation and the improvement of the procedure for granting tax benefits by introducing new approaches to them, increasing the size of market services, expanding the opportunities for creating new jobs for the population. Also, in order to ensure the implementation of the priorities established within the framework of the open dialogue of the president with entrepreneurs, which was held on August 18, 2023, as well as to create more favorable conditions for business entities operating in accordance with the requirements of legislation, paying taxes on time, and to encourage them, the introduction of stability rating of

584-591 34 17
IMPROVING THE AUDIT OF THE AUTHORIZED CAPITAL
Ergashjon Ortikov

This article describes the issues of improving the audit of the authorized capital. In organizing the audit of the authorized capital, the issues of recognition of the international audit standards and conducting the audit are described.

592-596 49 25
CALCULATION OF AMORTIZATION OF INTANGIBLE ASSETS AND ITS IMPROVEMENT
Nurbek Rizaev, Fakhriddin Isaev

In the article, a scientific proposal and practical recommendations on the procedure for calculating depreciation for intangible assets from new objects, applying depreciation calculation methods, carrying depreciation to cost objects, accounting for depreciation and reflecting it in financial statements are formulated in the article.

597-609 70 46
THE EMERGENCE AND DEVELOPMENT OF APPRAISAL ACTIVITIES AS A FORM OF ENTREPRENEURSHIP
Odiljon Rikhsimbaev

In this article, the formation, emergence and development of appraisal activity as a form of entrepreneurship in Uzbekistan, specific features of entrepreneurship development in general in the conditions of consistent and gradual reform of the country's economy, appraisal activity as an infrastructural component of the market of tangible and intangible capital funds, and market mechanisms of economic management specific aspects of its development are considered. Also, trends in the formation, emergence and development of evaluation activities of the Republic of Uzbekistan were researched.

610-618 41 18
THE IMPORTANCE OF ENSURING TRANSPARENCY WHEN CONDUCTING IPOS OF STATE COMPANIES
Shakhzod Saydullaev

Transparency plays a key role in the IPO process of public companies, as it ensures investor confidence and stimulates capital inflows. This research work aims to analyze the importance of transparency in the context of privatization of public assets through IPO. Particular attention is paid to the role of transparency in minimizing risks for investors and increasing the efficiency of investment. Based on an analysis of literature and practical cases, the study reveals the relationship between the level of transparency and the success of IPOs of state-owned companies, and also offers recommendations for improving mechanisms for ensuring transparency in the privatization process. The results of the study can be useful for both government agencies and financial market participants, helping to improve the quality of the IPO process and increase confidence in the investment environment.

619-625 44 27
STATISTICAL ANALYSIS OF LOANS ALLOCATED TO FAMILY BUSINESSES IN OUR COUNTRY
Siddik Sayfullaev, Makhbuba Muminova

In the article, using one of the methods of statistical analysis of programs aimed at developing family entrepreneurship in the country, loans allocated to the industry on the basis of these programs, a seasonality index is calculated, and it is studied in which months the most preferential loans are received. Based on the statistical studies carried out, relevant conclusions and proposals are given.

626-632 37 21
ANALYSIS OF STATISTICAL RESEARCH OF THE GASTRONOMIC TOURISM MARKET IN THE REPUBLIC OF UZBEKISTAN
Ekaterina Salieva

The purpose of this article is to identify the potential for the development of gastronomic tourism in the Republic of Uzbekistan based on the analysis of statistical data. Research methods include statistical data analysis, SWOT analysis. The results of the study. Uzbekistan has a rich potential for the development of gastronomic tourism, due to its unique cuisine, historical and cultural heritage, as well as a favorable climate. Gastronomic tourism in Uzbekistan is at the stage of development, but shows positive growth dynamics. The share of income from gastronomic tourism in the total GDP of Uzbekistan is about 2%. The problems hindering the development of gastronomic tourism include a lack of infrastructure, a shortage of qualified personnel, and limited information for foreign tourists. It has been revealed that gastronomic tourism can become one of the leading directions of the tourism industry in Uzbekistan, subject to state support and competent management. For the development of gastronomic tourism, it is necessary to develop tourist infrastructure; improve the skills of personnel; actively promote the gastronomic potential of Uzbekistan on the international market; develop new gastronomic routes; preserve and popularize traditional recipes and cooking technologies.

633-643 121 48
MANAGEMENT OF THE SOCIO-ECOLOGICAL SYSTEM OF THE REGION IN THE CONTEXT OF DECENTRALIZATION
Leila Seitova

The article considers the socio–ecological system of the region as an object of sustainable development and their current trends in the context of decentralization of strategic management of the region's economy. The advantages of decentralized management of regional economic development, which are based on the use of environmental and social factors, are studied.

644-655 34 19
INNOVATIVE METHODS OF IMPROVING THE ANALYSIS OF LABOR INDICATORS IN ECONOMIC ENTITIES
Bekniyoz Suvonov

This article explores methods for analyzing and improving labor indicators in economic entities. It highlights ways to ensure effective use of labor resources through the use of integral and innovative indicators for evaluating labor productivity.

656-660 48 20
REDUCING POVERTY – ONE OF THE FACTORS IN FORMING THE MIDDLE CLASS OF PROPERTY OWNERS
Maxina Tashmukhamedova

This article discusses the issues of reducing poverty and increasing the incomes of the population in Uzbekistan, focusing on the growth of the middle class of property owners. It also addresses existing problems and provides suggestions and recommendations to resolve them.

661-667 49 36
RISK CULTURE IN COMMERCIAL BANKS
Davron Toshpulatov

The article presents the concept of risk culture in commercial banks, its content, economic significance, the role of risk culture in risk management, ways of forming risk culture, and strong and weak features of risk culture. The article also presents the opinions of scientists and experts in the field of risk culture. Conclusions are presented at the end of the article.

668-674 53 28
IMPROVING THE MECHANISM FOR PROVIDING AND PAYING BENEFITS TO SPECIFIC CATEGORIES OF PERSONS IN NEED OF SOCIAL PROTECTION
Jakhongir Tursunov

This article presents the international importance of the social protection system in the fight against poverty and the procedure for assigning and paying benefits to certain categories of people in need of social protection. As well as proposals and recommendations for determining the purpose of most benefits in an “initiative form” and solving other problems to ensure targeted and targeted payment of benefits in the field of social protection of the population in Uzbekistan.

675-682 38 32
THE ROLE OF FISCAL POLICY IN ENSURING ECONOMIC STABILITY
Zulaykho Tursunova

This article discusses measures aimed at stimulating economic growth, controlling inflation, and stabilizing the economy through the extremely important role of fiscal policy in ensuring economic stability, fiscal policy, public debt, tax levels, and public expenditure and revenue management.

683-689 36 21
PROSPECTS FOR REDUCING POVERTY IN UZBEKISTAN BY IMPROVING THE BUSINESS ENVIRONMENT
Sherzod Uzakov

In this article, the analysis of different approaches to the concept of poverty, the causes of poverty, the importance of improving the business environment in reducing the level of poverty, the directions and perspectives of reducing the share of the poor in the economy through the development of entrepreneurship in Uzbekistan are highlighted.

690-697 35 39
THEORETICAL AND PRACTICAL ASPECTS OF THE PROPERTY CATEGORY
Anvar Usmanov

The article analyzes the ambiguity of scientists' views on the concept of property, type of property and form of ownership. The author focuses on the problem of mixing the legal and economic aspects of property, manifested in the identification of the concepts of diversity of forms of ownership and diversity of the economy. Within the framework of property issues, the author notes the methodological aspects of agrarian relations - relations about land, which is the universal subject of labor and the original source of all wealth.

689-704 36 21
THE ROLE OF IMPROVEMENT SERVICES IN THE DEVELOPMENT OF THE SERVICE INDUSTRY
Jamshid Khayitov

This paper examines the requirements for solving the current problems of solid waste management in many developed countries, with a special focus on sanitation services. Suggestions and recommendations are given on the importance of effective development of landscaping services and the importance of paying special attention to this type of service.

705-710 34 16
EFFECTIVE USE OF REGIONAL RESOURCES IN THE DEVELOPMENT OF SEASONAL TOURIST PRODUCTS
Dilfuza Khamzaeva

This article analyzes the issues of effective use of regional resources in the development of seasonal tourist products. The research results are determined based on surveys conducted among local residents, tourism companies, and tourists. The results show the economic benefits of seasonal tourism, the creation of new jobs, and the importance of preserving natural resources. The article provides suggestions for the development of seasonal tourism.

711-715 56 34
IMPROVEMENT OF ACCOUNTING OF FINANCIAL RESULTS
Otabek Kholmurodov

The article describes the organization of financial results of business entities on the basis of international standards of financial reporting. Based on the information obtained from the operation, the accounting of financial results is reflected in the accounts.

716-722 66 41
PROSPECTS OF EXPANDING THE REVENUE BASE IN THE TRANSFORMATION PROCESSES OF COMMERCIAL BANKS
Oybek Khudayarov

Issues such as strategic investors, adaptation to market principles, elimination of dependence on state funds and creation of equal competitive conditions are defined as the main directions of the banking system reform strategy. The transition of banks to this process requires changing their business models. This article is an important scientific and practical aspect in the process of expanding the income base of commercial banks in the process of transformation.

723-728 41 22
CHARACTERISTICS OF INVESTMENT PROCESSES IN THE COUNTRY
Durbek Khusanov, Iroda Djuraeva

The article studies and analyzes the system of formation of investment activity in the country, the factors reflecting investment activity, the order of formation of investment potential of the regions, the factors of investment activity.

729-738 41 20
THE ROLE OF COMMERCIAL BANKING TECHNOLOGIES IN THE DEVELOPMENT OF THE DIGITAL ECONOMY AND PROSPECTS FOR ITS DEVELOPMENT
Sherzod Hamroev

The article discusses the principles of formation of the digital economy and highlights aspects of its improvement through the use of commercial banking technologies. The importance of digitalization of the economy in the socio-economic development of countries is highlighted, as well as scientific and theoretical views on the development of the use of technology by commercial banks and proposals and recommendations for their analysis.

739-746 47 26
SOCIAL PROTECTION SYSTEM IMPROVING THE SOCIAL INSURANCE SYSTEM
Sherjon Sherjonov

The article highlights the role of the social insurance system in the social protection of the population. The directions of the social insurance system are given. Issues related to the organization of the social insurance system in Uzbekistan are analyzed, problems and shortcomings encountered in the system are described, as well as proposals and recommendations for solving them.

747-752 43 25
ASSESSMENT OF THE CURRENT STATE OF THE NATIONAL CAPITAL MARKET IN UZBEKISTAN
Dilshod Elov, Temur Murodov

The national capital market in Uzbekistan is undergoing a significant transformation as part of the country's broader economic liberalization and modernization efforts. This article provides an in-depth assessment of the current state of the capital market in Uzbekistan, analyzes the problems it faces and the prospects for its development. The analysis draws on recent reforms, legislative changes and market trends to assess the effectiveness of current strategies and suggest recommendations for further improvements. The results highlight the importance of a coherent regulatory framework, increased market transparency and increased investor confidence in creating a dynamic and sustainable capital market in Uzbekistan.

753-759 124 55
PROSPECTS FOR INCREASING THE INVESTMENT POTENTIAL OF THE REPUBLIC OF UZBEKISTAN
Mavluda Yahshieva

This article provides information about effective investment activities that stimulate increased production efficiency in the context of modern development of the world economy, strategic support for the formation of internal mechanisms, and the presence of main negative trends that impede the development of investment activities. processes in the Republic of Uzbekistan and promising directions for their development.

760-764 40 14