IMPROVING THE SYSTEM FOR REFINANCING UNSECURED MICROLOANS AT BANKS

Authors

  • Tojiyev Javlonbek Rustamovich Tashkent State University of Economics Independent researcher

DOI:

https://doi.org/10.55640/

Keywords:

small business, unsecured microcredits, refinancing, financial support, banking and financial system, credit.

Abstract

This article analyzes the economic significance and practical effectiveness of the unsecured microloan refinancing system in providing financial support to entrepreneurs. The study substantiates that high collateral requirements are among the main factors limiting small businesses access to financial resources. It highlights the role of unsecured microcredit refinancing mechanisms in ensuring bank liquidity, distributing credit risks, reducing interest rates, and expanding lending volumes.

Downloads

Download data is not yet available.

References

1. O‘zbekiston Respublikasi Prezidentining 2024 yil 7 sentyabrdagi PQ-312-son ““Kichik biznesni uzluksiz qo‘llab-quvvatlash” kompleks dasturini takomillashtirish chora-tadbirlari to‘g‘risida”gi qarori asosida muallif tomonidan tuzilgan.

2. O‘zbekiston Respublikasi Markaziy banki. Pul-kredit siyosatining asosiy yo‘nalishlari. – Toshkent, 2025. – www. cbu.uz

3. O‘zbekiston Respublikasi Markaziy banki; “Tijorat banklari yillik hisobotlari 2021–2024”; O‘zbekiston Respublikasi Iqtisodiyot va Moliya vazirligi statistik ma’lumotlari asosida muallif tomonidan tuzilgan.

4. O‘zbekiston Respublikasi Markaziy banki; “Tijorat banklari yillik hisobotlari 2021–2024”; O‘zbekiston Respublikasi Iqtisodiyot va Moliya vazirligi statistik ma’lumotlari asosida muallif tomonidan tuzilgan.

5. Rasulov, M. Mikrokreditlar va kichik biznesni rivojlantirish. Toshkent: Iqtisodiy tadqiqotlar markazi, 2022.

6. J.Tojiyev. Hududlarni barqaror rivojlantirishda mikromoliyalashtirishning roli. “Jahon sivilizatsiyasida buxoroning oʻrni: boy meros, barqaror rivojlanish, yorqin kelajak” Xalqaro ilmiy-amaliy anjuman materiallari 2 to‘plam. Buxoro shahri, 9-10-sentabr, 2025-yil.

7. Tojiyev J.R. Tadbirkorlik subyektlari faoliyatini mikromoliyalashtirishda mikromoliyaviy tashkilotlarning rolini oshirish masalalari. Empowerment of youth intellectual success (EYIS). ilmiy-ommabop jurnalini konferensiyasi. Volume 1 № 4| iyun 2025. 93-96 betlar.

8. J.R.Tojiyev. Yangi o‘zbekistonda kichik biznes va xususiy tadbirkorlikning rivojlanishida oilaviy tadbirkorlikning o‘rni. “Yashil iqtisodiyot sharoitida barqaror savdo strategiyalari: muammo va yechimlari” mavzusida Respublika ilmiy-amaliy anjumanning materiallar to‘plami 2025 yil 20 may. 458-460 betlar.

9. Tojiyev J. Yangi o‘zbekistonda kichik biznes va xususiy tadbirkorlikning rivojlanish tendensiyalari. “Muhandislik va iqtisodiyot” jurnali 2025-yil 132-137 betlar.

10. J.Tojiyev. Tadbirkorlik subyektlari faoliyatini rivojlantirishda mikromoliyalashtirishning rolini oshirish yo‘llari. “Yashil iqtisodiyot va taraqqiyot” jurnali. 2024-yil. 239-243 betlar.

11. J.R.Tojiyev. Роль микрофинансирования в развитии предпринимательства в Узбекистане . “Banklarni transformatsiya qilish va bank xizmatlari bozorida raqobatni rivojlantirish yo‘llari mavzusidagi xalqaro ilmiy-amaliy konferensiya. 2024-yil. 948-950 betlar

12. J.Tojiyev. Kambagʻallikni qisqartirish va aholi bandligini taʼminlashda

tadbirkorlik subyektlarini mikromoliyalashtirishning o‘rni. “Moliyaviy texnologiyalar” ilmiy elektron jurnali. ISSN: 2181-3965 volume 4. 6-son 2025-yil.

13 J.R.Tojiyev. Tadbirkorlik subyektlari faoliyatini moliyaviy qo‘llabquvvatlashda tijorat banklarining kredit siyosatini takomillashtirish yo‘nalishlari. Multidisciplinary Journal of Science and Technology. ISSN: 2582-4686 SJIF 2021-3.261,SJIF 2022- 2.889, 2024-6.875 ResearchBib IF: 9.948 / 2024

Downloads

Published

2026-02-10

Issue

Vol. 5 No. 02 (2026): Journal of Multidisciplinary Sciences and Innovations

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.

How to Cite

IMPROVING THE SYSTEM FOR REFINANCING UNSECURED MICROLOANS AT BANKS. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(02), 728-733. https://doi.org/10.55640/

Similar Articles

1-10 of 1259

You may also start an advanced similarity search for this article.