“XO’JALIK YURITUVCHI SUBYEKTLAR UCHUN MO’LJALLANGAN MAQBUL KREDITLASH JARAYONLARINI TAHLIL QILISH VA TAKOMILLASHTIRISH”. MMIT Proceedings (June 6, 2026): 336–343. Accessed September 16, 2026. https://mmit.tiue.uz/journal/article/view/527.