{"id":5124,"date":"2026-03-08T13:55:59","date_gmt":"2026-03-08T13:55:59","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5124"},"modified":"2026-03-08T13:57:10","modified_gmt":"2026-03-08T13:57:10","slug":"the-practice-of-lending-to-family-entrepreneurship-in-the-banking-system-of-uzbekistan-analysis-and-conclusions","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5124","title":{"rendered":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><em>Davlyatov Kahramon Abdumavlyanovich<\/em><\/strong><em><br><strong>Independent Researcher at Tashkent State University of Economics<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u00a0Tashkent, Uzbekistan.<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>E-mail:<\/em><a href=\"mailto:qahramon260277@gmail.com\"><em>qahramon260277@gmail.com<\/em><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>ORCID:0009-0008-3783-4574<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Abstract:<\/em><\/strong><em> The article provides a comprehensive analysis of the current state of lending practices for family entrepreneurship entities in the banking system of Uzbekistan. In particular, the dynamics of credit funds allocated by commercial banks within the framework of state programs aimed at supporting family entrepreneurship in the country, their distribution across sectors, and the specific features of lending mechanisms are examined. At the same time, the importance of bank loans in meeting the financial resource needs of family entrepreneurship entities and their role in increasing economic activity are analyzed.<\/em> <em>During the research, economic and institutional factors affecting the efficiency of lending were identified, and existing problems and limitations arising in the process of loan allocation were scientifically assessed. In particular, it is substantiated that such factors as collateral requirements, insufficient financial reporting, and the level of financial literacy of entrepreneurs influence the possibilities of obtaining loans. At the end of the article, scientifically grounded proposals and conclusions aimed at improving lending mechanisms in this field, strengthening cooperation between banks and family entrepreneurship entities, and increasing the effectiveness of financial support are developed.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Keywords:<\/em><\/strong><em> family entrepreneurship, commercial banks, credit, lending practices, financing, financial support, small business.<\/em><\/p>\n\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\/2026\/03\/12Kahramon-Davlyatov.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 12+Kahramon Davlyatov.\"><\/object><a id=\"wp-block-file--media-55ec2cb1-4f91-44c3-8b08-e3868ef404c0\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/03\/12Kahramon-Davlyatov.pdf\">12+Kahramon Davlyatov<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/03\/12Kahramon-Davlyatov.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-55ec2cb1-4f91-44c3-8b08-e3868ef404c0\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Davlyatov Kahramon AbdumavlyanovichIndependent Researcher at Tashkent State University of Economics \u00a0Tashkent, Uzbekistan. E-mail:qahramon260277@gmail.com ORCID:0009-0008-3783-4574 Abstract: The article provides a comprehensive analysis of the current state of lending practices for family entrepreneurship entities in the banking system of Uzbekistan. In particular, <a href=\"https:\/\/interfinance.tsue.uz\/?p=5124\" 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":[73],"tags":[],"class_list":["post-5124","post","type-post","status-publish","format-standard","hentry","category-2026-1-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - 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=5124\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Davlyatov Kahramon AbdumavlyanovichIndependent Researcher at Tashkent State University of Economics \u00a0Tashkent, Uzbekistan. E-mail:qahramon260277@gmail.com ORCID:0009-0008-3783-4574 Abstract: The article provides a comprehensive analysis of the current state of lending practices for family entrepreneurship entities in the banking system of Uzbekistan. In particular, Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=5124\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-08T13:55:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-08T13:57:10+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=5124#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS\",\"datePublished\":\"2026-03-08T13:55:59+00:00\",\"dateModified\":\"2026-03-08T13:57:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124\"},\"wordCount\":236,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2026-1-issue-1-6\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124\",\"name\":\"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - Journal of International Finance and Accounting\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\"},\"datePublished\":\"2026-03-08T13:55:59+00:00\",\"dateModified\":\"2026-03-08T13:57:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5124#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS\"}]},{\"@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":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - 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=5124","og_locale":"en_US","og_type":"article","og_title":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - Journal of International Finance and Accounting","og_description":"Davlyatov Kahramon AbdumavlyanovichIndependent Researcher at Tashkent State University of Economics \u00a0Tashkent, Uzbekistan. E-mail:qahramon260277@gmail.com ORCID:0009-0008-3783-4574 Abstract: The article provides a comprehensive analysis of the current state of lending practices for family entrepreneurship entities in the banking system of Uzbekistan. In particular, Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=5124","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2026-03-08T13:55:59+00:00","article_modified_time":"2026-03-08T13:57:10+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=5124#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5124"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS","datePublished":"2026-03-08T13:55:59+00:00","dateModified":"2026-03-08T13:57:10+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5124"},"wordCount":236,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2026-1-issue-1-6"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=5124#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=5124","url":"https:\/\/interfinance.tsue.uz\/?p=5124","name":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS - Journal of International Finance and Accounting","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/#website"},"datePublished":"2026-03-08T13:55:59+00:00","dateModified":"2026-03-08T13:57:10+00:00","breadcrumb":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5124#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/interfinance.tsue.uz\/?p=5124"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/interfinance.tsue.uz\/?p=5124#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/interfinance.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"THE PRACTICE OF LENDING TO FAMILY ENTREPRENEURSHIP IN THE BANKING SYSTEM OF UZBEKISTAN: ANALYSIS AND CONCLUSIONS"}]},{"@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\/5124","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=5124"}],"version-history":[{"count":2,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5124\/revisions"}],"predecessor-version":[{"id":5128,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5124\/revisions\/5128"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}