“KICHIK BIZNES SUB’YEKTLARINI RIVOJLANTIRISHDA INNOVATSIYALARDAN FOYDALANISHNING HORIJIY MAMLAKATLAR TAJRIBALARI VA ULARNI MAMLAKATIMIZDA QO‘LLANISH ASPEKTLARI” (2024) Scientific Journal of Actuarial Finance and Accounting, 4(02), pp. 303–313. doi:10.55439/AFA/vol4_iss02/126.