SANOAT KLASTERLARINING RAQOBATBARDOSHLIGINI OSHIRISHDA INNOVATSION HAMKORLIKNING OʻRNI. Scientific Journal of Actuarial Finance and Accounting, [S. l.], v. 6, n. 06, p. 306–313, 2026. DOI: 10.55439/AFA/vol6_iss07/1470. Disponível em: https://finance.tsue.uz/index.php/afa/article/view/1470.. Acesso em: 21 jul. 2026.