“MAHALLALARDA TADBIRKORLIKNI RIVOJLANTIRISH BO‘YICHA XORIJIY TAJRIBA VA UNI O‘ZBEKISTON SHAROITIDA QO‘LLASH IMKONIYATLARI” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(08), pp. 50–62. doi:10.55439/AFA/vol6_iss08/1484.