{"id":3644,"date":"2024-01-21T19:13:30","date_gmt":"2024-01-21T19:13:30","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=3644"},"modified":"2024-01-21T19:13:51","modified_gmt":"2024-01-21T19:13:51","slug":"micro-financial-services-and-directions-for-their-improvement","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=3644","title":{"rendered":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT"},"content":{"rendered":"<p style=\"text-align: center;\"><strong><em>Pardayeva Zulfizar Alimovna,<\/em><\/strong><\/p>\n<p style=\"text-align: center;\"><em>Accounting department<\/em><\/p>\n<p style=\"text-align: center;\"><em>Tashkent institute of finance<\/em><\/p>\n<p style=\"text-align: center;\"><em><a href=\"mailto:pardayevazulfizar978@gmail.com\">pardayevazulfizar978@gmail.com<\/a><\/em><\/p>\n<p style=\"text-align: center;\"><em>ORCID: 0000-0003-1465-6548<\/em><\/p>\n<p><strong><em>Abstract. <\/em><\/strong><em>&nbsp;The article analyzes the role and importance of microfinance services in the economy, microfinance organizations and their role in financial support for small businesses and entrepreneurial activities, the current state of lending to business entities by microfinance organizations, the procedure for organizing microfinance services in commercial organizations. banks and analysis of its current state; in commercial banks, measures taken to improve microfinance services and trends in their changes compared to previous years were analyzed. The problems of commercial banks in providing microfinance services in past and current years have also been identified.&nbsp; The practice of microfinance in the Republic of Uzbekistan and recommendations aimed at its improvement are presented<\/em><\/p>\n<p><em><strong>Keywords<\/strong>: <\/em><em>Microcredit, microloan, microleasing, microfinancing, non-bank credit organizations, leasing, microfinance organization, basic interest rate, credit policy, financial market, pawn shop<\/em><\/p>\n<p><strong><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/em><\/strong><\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/01\/Maqaola.-Mikromoliyaviy-xizmatlar.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Maqaola.-Mikromoliyaviy-xizmatlar.\"><\/object><a id=\"wp-block-file--media-8736a265-8dbc-48c8-ae8f-b66520348cfe\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/01\/Maqaola.-Mikromoliyaviy-xizmatlar.pdf\">Maqaola.-Mikromoliyaviy-xizmatlar<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/01\/Maqaola.-Mikromoliyaviy-xizmatlar.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-8736a265-8dbc-48c8-ae8f-b66520348cfe\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pardayeva Zulfizar Alimovna, Accounting department Tashkent institute of finance pardayevazulfizar978@gmail.com ORCID: 0000-0003-1465-6548 Abstract. &nbsp;The article analyzes the role and importance of microfinance services in the economy, microfinance organizations and their role in financial support for small businesses and entrepreneurial activities, <a href=\"https:\/\/interfinance.tsue.uz\/?p=3644\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[60],"tags":[],"class_list":["post-3644","post","type-post","status-publish","format-standard","hentry","category-2023-6-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=3644\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Pardayeva Zulfizar Alimovna, Accounting department Tashkent institute of finance pardayevazulfizar978@gmail.com ORCID: 0000-0003-1465-6548 Abstract. &nbsp;The article analyzes the role and importance of microfinance services in the economy, microfinance organizations and their role in financial support for small businesses and entrepreneurial activities, Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=3644\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-21T19:13:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-21T19:13:51+00:00\" \/>\n<meta name=\"author\" content=\"jurnal-admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jurnal-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT\",\"datePublished\":\"2024-01-21T19:13:30+00:00\",\"dateModified\":\"2024-01-21T19:13:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644\"},\"wordCount\":165,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2023-6-issue-1-6\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644\",\"name\":\"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\"},\"datePublished\":\"2024-01-21T19:13:30+00:00\",\"dateModified\":\"2024-01-21T19:13:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3644#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"name\":\"Journal of International Finance and Accounting\",\"description\":\"Tashkent State University of Economics\",\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\",\"name\":\"Journal of International Finance and Accounting\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"contentUrl\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"width\":90,\"height\":90,\"caption\":\"Journal of International Finance and Accounting\"},\"image\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\",\"name\":\"jurnal-admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"caption\":\"jurnal-admin\"},\"sameAs\":[\"http:\\\/\\\/interfinance.tsue.uz\"],\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/interfinance.tsue.uz\/?p=3644","og_locale":"en_US","og_type":"article","og_title":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting","og_description":"Pardayeva Zulfizar Alimovna, Accounting department Tashkent institute of finance pardayevazulfizar978@gmail.com ORCID: 0000-0003-1465-6548 Abstract. &nbsp;The article analyzes the role and importance of microfinance services in the economy, microfinance organizations and their role in financial support for small businesses and entrepreneurial activities, Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=3644","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2024-01-21T19:13:30+00:00","article_modified_time":"2024-01-21T19:13:51+00:00","author":"jurnal-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jurnal-admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/interfinance.tsue.uz\/?p=3644#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=3644"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT","datePublished":"2024-01-21T19:13:30+00:00","dateModified":"2024-01-21T19:13:51+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=3644"},"wordCount":165,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2023-6-issue-1-6"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=3644#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=3644","url":"https:\/\/interfinance.tsue.uz\/?p=3644","name":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT - Journal of International Finance and Accounting","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/#website"},"datePublished":"2024-01-21T19:13:30+00:00","dateModified":"2024-01-21T19:13:51+00:00","breadcrumb":{"@id":"https:\/\/interfinance.tsue.uz\/?p=3644#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/interfinance.tsue.uz\/?p=3644"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/interfinance.tsue.uz\/?p=3644#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/interfinance.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"MICRO FINANCIAL SERVICES AND DIRECTIONS FOR THEIR IMPROVEMENT"}]},{"@type":"WebSite","@id":"https:\/\/interfinance.tsue.uz\/#website","url":"https:\/\/interfinance.tsue.uz\/","name":"Journal of International Finance and Accounting","description":"Tashkent State University of Economics","publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/interfinance.tsue.uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/interfinance.tsue.uz\/#organization","name":"Journal of International Finance and Accounting","url":"https:\/\/interfinance.tsue.uz\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/","url":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","contentUrl":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","width":90,"height":90,"caption":"Journal of International Finance and Accounting"},"image":{"@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a","name":"jurnal-admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","caption":"jurnal-admin"},"sameAs":["http:\/\/interfinance.tsue.uz"],"url":"https:\/\/interfinance.tsue.uz\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/3644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3644"}],"version-history":[{"count":2,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/3644\/revisions"}],"predecessor-version":[{"id":3647,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/3644\/revisions\/3647"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}