“PAXTA-TOʻQIMACHILIK KLASTERLARIDA INNOVATSION FAOLIYATNI MOLIYALASHTIRISHNING MUQOBIL MANBALARIDAN FOYDALANISH IMKONIYATLARI” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(08), pp. 43–49. doi:10.55439/AFA/vol6_iss08/1483.