Mazkur maqolada davlat sektorida ichki nazorat va ichki audit tizimining iqtisodiy mohiyatamarali boshqarishdagi o‘rni hamda O‘zbekistonda ushbu yo‘nalishda amalga oshirilayotgan institutsional islohotlar o‘rganilgan. Tadqiqotda ichki nazorat va ichki auditning o‘zaro bog‘liqligi, davlat budjeti mablag‘laridan maqsadli va samarali foydalanishni ta’minlash, budjet intizomini mustahkamlash, moliyaviy xatolar va qonunbuzilishlarning oldini olishdagi ahamiyati tahlil qilingan. O‘zbekiston Respublikasida ichki audit xizmatlarini tashkil etish, ichki auditorlarni sertifikatlash, xavfga asoslangan auditni joriy etish, masofaviy nazoratni kengaytirish va audit jarayonlarini raqamlashtirish bo‘yicha erishilgan natijalar baholangan. Tadqiqot natijasida davlat sektorida ichki nazoratning yagona metodologik modelini yaratish, ichki auditning funksional mustaqilligini kuchaytirish, risklarni boshqarish tizimini takomillashtirish, raqamli audit va ma’lumotlar tahlilini keng joriy etish hamda audit tavsiyalarining bajarilishini avtomatik monitoring qilish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.

English phrasal verbs are an important feature of the English lexical and grammatical system. They consist mainly of a verb combined with an adverbial particle or, in some cases, a particle and a preposition. Phrasal verbs such as give up, look after, find out, and take off are extremely common in everyday English and are particularly significant for learners who want to achieve natural and fluent communication. At the same time, they are difficult to understand and use because their meanings are not always predictable from the meanings of their individual components. This paper presents a comparative analysis of English phrasal verbs, focusing on their structural, syntactic, semantic, and functional characteristics. It also considers the relationship between phrasal verbs and their equivalents in other linguistic systems, particularly languages that tend to express verbal meanings through prefixes or single lexical verbs. The analysis demonstrates that phrasal verbs can have literal, semi-transparent, and idiomatic meanings and can function according to different syntactic patterns. Particular attention is given to separable and inseparable phrasal verbs, transitive and intransitive constructions, and difficulties associated with their translation and acquisition. The study concludes that understanding phrasal verbs requires learners to develop both vocabulary and grammatical awareness. Their systematic study is therefore essential for effective English-language learning, translation, and communication.

The article discusses the artistic-publicistic synthesis of historical events, mythological legends, and ethnographic materials in M. Nizanov's novel-essay "The Karakalpaks". The portrayal of the origin (ethnogenesis) of the Karakalpak people, the history of their statehood, their religious-spiritual worldview, and their diplomatic relations with the Russian Empire are evaluated from a scientific-critical perspective. It explores the author's masterful utilization of historical sources (archive documents, genealogical records) and examples of oral literature (legends, epics) within the framework of the "novel-essay" genre, as well as the work's role in restoring the national mentality and historical memory of the Karakalpak people.

Bul maqalada házirgi zaman qaraqalpaq ádebiyatındaǵı roman-esse janrınıń rawajlanıwı, onıń ózgeshelikleri hám A. Dáwletmuratovtıń “Hár zamanǵa bir zaman” shıǵarmasınıń janrlıq-stilliq ózgeshelikleri talqılanadı. Shıǵarmadaǵı tariyxıy waqıyalardıń, folklorlıq elementlerdiń hám memuarlıq esteliklerdiń sintezi, avtorlıq bayanlawdıń fragmentarlıq usılı hám tariyxıy tulǵalar obrazınıń beriliwi analiz etiledi. Sonday-aq, shıǵarmanıń T. Qayıpbergenovtıń “Qálbimniń qamusı” shıǵarması menen janrlıq uqsaslıqları hám parıqları sáwlelenedi.

Ushbu maqolada O‘zbekistonda bank sektorining raqamli transformatsiyasi, uning moliyaviy inklyuziyani kengaytirish va iqtisodiy o‘sishni rag‘batlantirishdagi o‘rni kompleks tahlil qilingan. Tadqiqotda Jahon bankining Global Findex ma’lumotlar bazasi, O‘zbekiston Respublikasi Markaziy bankining statistik ma’lumotlari hamda mamlakatda fintech va raqamli bank xizmatlarining rivojlanishiga oid so‘nggi ma’lumotlardan foydalanilgan. Raqamli texnologiyalarning bank faoliyatiga jadal integratsiyalashuvi natijasida bank hisobvaraqlariga egalik qilish, raqamli to‘lovlardan foydalanish, masofaviy bank xizmatlari, mobil banking va fintech asosidagi moliyaviy xizmatlardan foydalanish imkoniyatlari sezilarli darajada kengayib bormoqda. Xususan, O‘zbekistonda fintech ekotizimining rivojlanishi, raqamli bank xizmatlari foydalanuvchilari sonining ortishi va Milliy tezkor to‘lov tizimining kengayishi moliyaviy xizmatlarning aholiga yanada tezkor, qulay va nisbatan arzon shaklda yetkazib berilishiga xizmat qilmoqda. Tadqiqot natijalari raqamli transformatsiya moliyaviy inklyuziyani rivojlantirishning muhim omili ekanligini ko‘rsatadi. Raqamli bank xizmatlari tranzaksiya xarajatlarini kamaytirish, aholining chekka hududlarda moliyaviy xizmatlardan foydalanish imkoniyatlarini kengaytirish, mikro va kichik biznes subyektlarining moliyaviy resurslarga kirishini yaxshilash hamda iqtisodiy faoliyatning shaffofligini oshirish orqali iqtisodiy o‘sishga ijobiy ta’sir ko‘rsatishi mumkin. Shu bilan birga, raqamli infratuzilmaning hududlar bo‘yicha notekis rivojlanishi, aholining raqamli va moliyaviy savodxonligi darajasidagi tafovutlar, kiberxavfsizlik, shaxsiy ma’lumotlarni himoya qilish hamda ayrim me’yoriy-huquqiy cheklovlar moliyaviy inklyuziyaning to‘liq ta’minlanishiga to‘sqinlik qilayotgan asosiy omillar sifatida aniqlangan. Maqolada O‘zbekiston bank sektorining raqamli transformatsiyasini yanada jadallashtirish, fintech va tijorat banklari hamkorligini rivojlantirish, raqamli infratuzilmani takomillashtirish hamda aholining raqamli moliyaviy savodxonligini oshirish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqilgan.