“TIJORAT BANKLARI TOMONIDAN MAHALLALARDA KAMBAG’ALLIKNI QISQARTIRISHGA KOʻMAKLASHISH: MAHALLABAY TIZIM ASOSIDA EMPIRIK TAHLIL VA STRATEGIK TAVSIYALAR” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(06), pp. 200–206. doi:10.55439/AFA/vol6_iss06/1446.