“TASHQI SAVDO OPERATSIYALARINING YAGONA ELEKTRON AXBOROT TIZIMIDA UMIDSIZ QARZDORLIKLARNI HISOBDAN CHIQARISH TARTIBINI TAKOMILLASHTIRISH” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(04), pp. 84–92. doi:10.55439/AFA/vol6_iss04/1365.