TRANSFORMATION OF SMALL AND MEDIUM BUSINESS LENDING PROCESSES

Authors

  • Maksudov Orif Shakirovich,Saidov Azimshox Yunusovich Senior Lecturer SamIES,Student, Samarkand Institute of Economics and Service Faculty of Banking and Auditing Group BI-S-221

DOI:

https://doi.org/10.55640/

Keywords:

Lending process transformation, small and medium-sized businesses, commercial banks, international financial institutions, digitalization of banking.

Abstract

This article examines contemporary transformation processes in the provision of financial and credit support to small and medium-sized businesses. The author provides a detailed analysis of the transition from traditional, conservative banking models to innovative digital technologies, including the use of artificial intelligence and big data to assess borrowers' creditworthiness.

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References

1. Stiglitz, J.E., Weiss, E. (2008). Credit Rationing in Markets with Imperfect Information. American Economic Review, 1981, pp. 393–410.

2. World Bank. World Development Report 2022: Finance for an Equitable Recovery. Washington, DC: World Bank Press, 2022. 240 p.

3. Berdieva, U.S. (2008). Improving Lending Mechanisms for Small Businesses and Private Entrepreneurship in Uzbekistan: Dissertation for the Degree of Doctor of Philosophy in Economic Sciences. Tashkent: Banking and Finance Academy of the Republic of Uzbekistan, 2021. 154 p.

4. Kulizhanov, A.K. Transformation of approaches to assessing the creditworthiness of small businesses in the context of digitalization, Money and Credit. 2023. 45–58.

5. Omonov, A.A., Karimov, N.G. Issues of increasing the role of commercial banks in financial support for small and medium-sized businesses in Uzbekistan, Economy and Education. Tashkent, 2024. 112–120.

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Published

2026-06-12

Issue

Vol. 5 No. 6 (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

TRANSFORMATION OF SMALL AND MEDIUM BUSINESS LENDING PROCESSES. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(6), 955-956. https://doi.org/10.55640/

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