MOLIYAVIY INKLYUZIYA DARAJASINING IJTIMOIY TABAQALANISHGA TASIRINI BAHOLASH
Ключевые слова:
moliyaviy inklyuziya, ijtimoiy tabaqalanish, Gini koeffitsienti, daromad tengsizligi, koʻp oʻlchovli indeks, asosiy komponentlar tahlili, rivojlanayotgan mamlakatlar.Аннотация
Ushbu maqolada moliyaviy inklyuziya darajasining ijtimoiy tabaqalanish dinamikasiga taʼsirini baholashning zamonaviy uslubiy yondashuvlari tahlil qilingan. Tadqiqotda koʻp oʻlchovli moliyaviy inklyuziya indekslarini shakllantirish metodologiyasi, Gini koeffitsienti va boshqa tengsizlik koʻrsatkichlari bilan integratsiyalash usullari koʻrib chiqilgan. Empirik tahlil asosida moliyaviy xizmatlardan foydalanish imkoniyatining kengayishi daromad tengsizligini kamaytirishga ijobiy taʼsir koʻrsatishi isbotlangan. Tadqiqot natijalari rivojlanayotgan mamlakatlar, jumladan Oʻzbekiston uchun moliyaviy inklyuziya strategiyalarini ishlab chiqishda amaliy ahamiyatga ega.
Библиографические ссылки
World Bank. (2025). The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, DC: World Bank. https://www.worldbank.org/en/publication/globalfindex
Demirguc-Kunt, A., Klapper, L., & Singer, D. (2017). Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper No. 8040. Washington, DC: World Bank. https://documents.worldbank.org/en/publication/documents-reports/documentdetail/403611493134249446
Grusky, D. B., & Szelényi, S. (Eds.). (2018). The Inequality Reader: Contemporary and Foundational Readings in Race, Class, and Gender (2nd ed.). New York: Routledge.
Weber, M. (1946). Class, Status, Party. In H. H. Gerth & C. W. Mills (Eds. & Trans.), From Max Weber: Essays in Sociology (pp. 180-195). New York: Oxford University Press. https://archive.org/details/frommaxweberessa0000webe
Bogenhold, D., & Permana, Y. M. (2021). Inequality Processes and Vertical Social Stratification: The Issue of the Middle Classes. In Neglected Links in Economics and Society. Cham: Palgrave Macmillan. https://doi.org/10.1007/978-3-030-79193-3_3
Sarma, M. (2008). Index of Financial Inclusion. ICRIER Working Paper No. 215. New Delhi: Indian Council for Research on International Economic Relations. https://www.icrier.org/pdf/Working_Paper_215.pdf
Sarma, M. (2015). Measuring Financial Inclusion. Economics Bulletin, 35(1), 604-611. https://ideas.repec.org/a/ebl/ecbull/eb-14-00854.html
Camara, N., & Tuesta, D. (2014). Measuring Financial Inclusion: A Multidimensional Index. BBVA Research Working Paper No. 14/26. https://www.bbvaresearch.com/wp-content/uploads/2014/09/WP14-26_Financial-Inclusion.pdf
Park, C.-Y., & Mercado, R. V. (2018). Financial Inclusion, Poverty, and Income Inequality. The Singapore Economic Review, 63(1), 185-206. https://doi.org/10.1142/S0217590818410059
Gini, C. (1912). Variabilità e mutabilità: contributo allo studio delle distribuzioni e delle relazioni statistiche. Bologna: Tipografia di Paolo Cuppini.
Sitthiyot, T., & Budsaratragoon, P. (2020). A simple method for measuring inequality. Humanities and Social Sciences Communications, 7(23). https://doi.org/10.1057/s41599-020-0484-6
Omar, M. A., & Inaba, K. (2020). Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Journal of Economic Structures, 9(37). https://doi.org/10.1186/s40008-020-00214-4
Honohan, P. (2008). Cross-country variation in household access to financial services. Journal of Banking & Finance, 32(11), 2493-2500. https://doi.org/10.1016/j.jbankfin.2008.05.004
IMF. (2025). Digital Financial Inclusion and Income Inequality in China. IMF Working Paper No. 2025/071. Washington, DC: International Monetary Fund. https://www.imf.org/en/Publications/WP/Issues/2025/04/04/Digital-Financial-Inclusion-and-Income-Inequality-in-China-565543
Nguyen, T. T. H. (2021). Measuring financial inclusion: a composite FI index for the developing countries. Journal of Economics and Development, 23(1), 77-99. https://doi.org/10.1108/JED-03-2020-0027
Theil, H. (1967). Economics and Information Theory. Amsterdam: North-Holland Publishing Company.
Roodman, D. (2009). How to do xtabond2: An introduction to difference and system GMM in Stata. The Stata Journal, 9(1), 86-136. https://doi.org/10.1177/1536867X0900900106
Thi Bui, V. H., & Oanh Luong, T. T. (2023). Financial inclusion and income inequality in developing countries: The role of aging populations. Research in International Business and Finance, 66, 102062. https://doi.org/10.1016/j.ribaf.2023.102062
World Bank. (2024). From livestock to lifelong savings: Improving financial inclusion in Uzbekistan. World Bank Blogs. https://blogs.worldbank.org/en/psd/livestock-lifelong-savings-improving-financial-inclusion-uzbekistan
Central Bank of Uzbekistan. (2025). The Financial Stability Report for 2024. Tashkent: CBU. https://cbu.uz/en/press_center/releases/2489245/
García-Herrer, A., & Turégano, D. M. (2015). Financial Inclusion, Rather than Size, is the Key to Tackling Income Inequality. BBVA Research Working Paper No. 15/05. https://www.bbvaresearch.com/wp-content/uploads/2015/02/WP_Financial-Inclusion-Income-Inequality4.pdf
Osakwe, P. N., & Solleder, O. (2023). Wealth Distribution, Income Inequality and Financial Inclusion: A Panel Data Analysis. UNCTAD Working Papers No. 4. Geneva: UNCTAD. https://unctad.org/publication/wealth-distribution-income-inequality-and-financial-inclusion-panel-data-analysis
Mishra, D., Kandpal, V., Agarwal, N., & Srivastava, B. (2024). Financial Inclusion and Its Ripple Effects on Socio-Economic Development: A Comprehensive Review. Journal of Risk and Financial Management, 17(3), 105. https://doi.org/10.3390/jrfm17030105
ADB. (2024). Uzbekistan: Inclusive Finance Sector Development Program. Asian Development Bank. https://www.adb.org/projects/57245-001/main
IMF. (2024). Republic of Uzbekistan: 2024 Article IV Consultation. IMF Staff Country Reports No. 2024/210. https://www.imf.org/en/Publications/CR/Issues/2024/07/11/Republic-of-Uzbekistan-2024-Article-IV-Consultation-Press-Release-and-Staff-Report-551703b
Загрузки
Опубликован
Выпуск
Раздел
Лицензия
Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.