MOLIYAVIY INKLYUZIYA VA IJTIMOIY TENGLIK OʻRTASIDAGI OʻZARO BOGʻLIQLIKNI ANIQLASHGA ILMIY METODOLOGIK YONDASHUVLAR

Xakimov Ziyodulla Axmadovich; Adashaliyev Baxtiyorjon Valisher oʻgʻli

doi:10.55439/EIT/vol13_iss6/753

Авторы

Xakimov Ziyodulla Axmadovich Xalqaro Nordik universiteti Sanoatni boshqarish va raqamli texnologiyalar kafedrasi professori, i.f.d. https://orcid.org/0000-0002-5063-6942
Adashaliyev Baxtiyorjon Valisher oʻgʻli Toshkent davlat iqtisodiyot universiteti “Buxgalteriya hisobi” kafedrasi katta oʻqituvchisi, PhD.

DOI:

https://doi.org/10.55439/EIT/vol13_iss6/753

Ключевые слова:

moliyaviy inklyuziya, ijtimoiy tenglik, hududiy tafovut, raqamli moliya, Gini koeffitsienti, ko‘p omilli tahlil, komponentlar tahlili, gender tafovuti, indekslash.

Аннотация

Maqolada moliyaviy inklyuziya va ijtimoiy tenglik o‘rtasidagi o‘zaro bog‘liqlik ko‘p omilli tahlil usullari asosida tadqiq etildi. Tadqiqot doirasida SARMA metodologiyasiga tayangan holda integral indeks shakllantirildi hamda asosiy komponentlar tahlili (PCA) orqali ta’sir etuvchi omillar aniqlandi. Global Findex va Jahon banki ma’lumotlari asosida Markaziy Osiyo mamlakatlarida moliyaviy inklyuziyaning hududiy xususiyatlari baholandi.

Tahlil natijasida hududlar kesimidagi tafovutlar, gender tengsizligi hamda turli daromad guruhlari o‘rtasidagi farqlar aniqlandi. Shuningdek, mintaqalarda moliyaviy xizmatlardan foydalanish darajasi bilan raqamli kirish imkoniyatlari o‘rtasidagi nomutanosibliklar ochib berildi va ularni kamaytirishga qaratilgan institutsional hamda siyosiy chora-tadbirlar taklif etildi.

Olingan natijalar ijtimoiy tenglikni ta’minlashga qaratilgan davlat siyosati va moliyaviy inklyuziyani rivojlantirish strategiyalarini ishlab chiqishda amaliy ahamiyatga ega.

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