“BANK KREDITLARINI AJRATISHDA AN’ANAVIY KREDIT MODELLARIDAN KREDIT MAHSULOTLARI ORQALI MOLIYALASHTIRISHGA O’TISHNING NAZARIY ASOSLARI VA AMALIY IMKONIYATLAR”. 2025. Innovations in Science and Technologies 2 (3): 906-14. https://innoist.uz/index.php/ist/article/view/763.