The article discusses the conceptual foundations of the digital transformation of the management system of educational organizations in the context of digitalization. The essence of digital transformation, its main components and features of implementation in the management system of educational organizations are analyzed. Particular attention is paid to digital strategy, technological infrastructure, digital culture, artificial intelligence and data analytics. Based on the analysis of the experience of leading universities in the USA, Russia and China, the main directions of digital transformation of the management system were identified. It was concluded that the integrated introduction of digital technologies contributes to improving the efficiency of management activities and the quality of educational services.

Mazkur maqolada aruz vaznini ona tili va adabiyot darslarida o‘qitishning nazariy hamda amaliy jihatlari yoritilgan. Aruz vaznining o‘ziga xos xususiyatlarini o‘quvchilarga tushunarli tarzda yetkazishda zamonaviy pedagogik texnologiyalar va interfaol metodlardan foydalanishning samaradorligi tahlil qilingan. Shuningdek, mazkur yondashuvlar orqali o‘quvchilarning mumtoz adabiyotga qiziqishi, tahliliy fikrlashi hamda badiiy matnni anglash kompetensiyasini rivojlantirish masalalari yoritilgan.

Ushbu maqolada kartali to‘lov tizimlarining iqtisodiy samaradorligini oshirish masalalari “Agrobank” ATB faoliyati misolida tadqiq etilgan. Tadqiqotda bank kartalari orqali amalga oshiriladigan to‘lovlar hajmi, tranzaksiyalar tezligi, xizmat ko‘rsatish sifati, xavfsizlik darajasi hamda mijozlar uchun yaratilayotgan qulayliklar kartali to‘lov tizimi samaradorligini belgilovchi asosiy omillar sifatida baholangan. Shuningdek, mavjud texnik infratuzilma, POS-terminallar va bankomatlar tarmog‘i, mobil ilovalar, kontaktsiz to‘lov texnologiyalari, tranzaksiya xarajatlari hamda kiberxavfsizlik bilan bog‘liq muammolar tahlil qilingan. Maqolada kartali to‘lov xizmatlarini raqamlashtirish, zamonaviy protsessing texnologiyalarini joriy etish, xizmat ko‘rsatish tezligini oshirish, firibgarlik holatlarining oldini olish, mijozlar murojaatlarini tezkor ko‘rib chiqish va banklararo integratsiyani kuchaytirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan. Tadqiqot natijalari “Agrobank” ATBda kartali to‘lov tizimlarining ishonchliligi, qulayligi va iqtisodiy samaradorligini oshirishga xizmat qilishi mumkin.

This article examines the prospects for expanding the range of banking products through the introduction of Islamic banking instruments. The study highlights the growing demand for financial services based on the principles of Sharia, including the prohibition of interest, risk-sharing, asset-backed financing, transparency, and ethical investment. Particular attention is paid to such Islamic financial products as murabaha, mudarabah, musharakah, ijara, salam, istisna, and sukuk, as well as their potential application in retail banking, corporate financing, investment projects, housing finance, and support for small and medium-sized enterprises. The research applies comparative analysis, systematic review, statistical observation, and logical generalization methods to assess the international experience of Islamic banking and its relevance to the banking sector of Uzbekistan.

Ushbu maqolada tijorat banklari kredit portfelida muammoli kreditlarning yuzaga kelish sabablari, ularning bank moliyaviy barqarorligi, likvidligi va rentabelligiga ta’siri hamda ularni kamaytirishning samarali yo‘llari ATB “Hamkorbank” misolida tadqiq etilgan. Tadqiqot davomida kredit risklarini boshqarish, qarz oluvchilarning to‘lov qobiliyatini baholash, kredit portfelini diversifikatsiya qilish, kredit monitoringini kuchaytirish, muammoli qarzdorlikni restrukturizatsiya qilish va erta ogohlantirish tizimlaridan foydalanish masalalari tahlil qilingan. Shuningdek, kredit skoringini takomillashtirish, raqamli texnologiyalar va sun’iy intellekt asosida risklarni prognozlash, garov ta’minotini muntazam qayta baholash hamda muammoli aktivlar bilan ishlash mexanizmlarini rivojlantirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan. Tadqiqot natijalari tijorat banklarida kredit portfeli sifatini oshirish, muammoli kreditlar ulushini kamaytirish va bank faoliyatining barqarorligini ta’minlashga xizmat qiladi.