O‘ZBEKISTONDA KAMBAG‘ALLIKNI QISQARTIRISHDA MIKROMOLIYA TASHKILOTLARINING ROLI VA IJTIMOIY-IQTISODIY SAMARADORLIGINI OSHIRISH YO‘NALISHLARI
Keywords:
mikromoliya tashkilotlari, tarixiy evolyutsiya, rivojlanish modellari, institutsional rivojlanish, kambag‘allikni qisqartirish, moliyaviy inklyuziya, moliyaviy barqarorlik, ijtimoiy natijadorlik, raqamli mikromoliya.Abstract
Ushbu maqolada mikromoliya tashkilotlarining tarixiy evolyutsiyasi, institutsional rivojlanish bosqichlari va xalqaro amaliyotda shakllangan asosiy rivojlanish modellari tadqiq etilgan. Tarixiy-qiyosiy, tizimli va institutsional tahlil usullari asosida mikromoliyalashtirishning ijtimoiy yo‘naltirilgan, tijoratlashgan hamda raqamli modellari o‘rtasidagi farqlar aniqlangan. Mikromoliya tashkilotlarining dastlabki ijtimoiy maqsadlari bilan zamonaviy moliyaviy faoliyati o‘rtasidagi bog‘liqlik tahlil qilinib, ularning kambag‘allikni qisqartirish va moliyaviy inklyuziyani kengaytirishdagi rolini baholash zarurati asoslangan. Tadqiqot natijasida mikromoliya tashkilotlarining tarixiy rivojlanish bosqichlari tizimlashtirilib, moliyaviy barqarorlik va ijtimoiy natijadorlikni o‘zaro uyg‘unlashtirishga qaratilgan konseptual yondashuv taklif etilgan. Mazkur yondashuv mikromoliya tashkilotlarining rivojlanish strategiyalarini takomillashtirish va ularning ijtimoiy-iqtisodiy samaradorligini baholash uchun nazariy-uslubiy asos bo‘lib xizmat qilishi mumkin.
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