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.

This study aimed to evaluate the effectiveness of various corticotomy techniques based on digital dentistry in improving orthodontic treatment in adult patients. A total of 60 adult patients requiring orthodontic treatment were included and divided into two groups: a conventional orthodontic treatment group and a digitally guided corticotomy-assisted orthodontic treatment group. Digital imaging, three-dimensional treatment planning, and individualized surgical protocols were used to optimize clinical outcomes. The findings demonstrated that digitally guided corticotomy significantly accelerated orthodontic tooth movement and reduced the overall treatment duration compared with conventional treatment. Patients treated with corticotomy also exhibited favorable periodontal conditions, minimal postoperative complications, and a high level of treatment satisfaction. Digital dentistry improved the accuracy of diagnosis, surgical planning, and treatment monitoring, resulting in more predictable clinical outcomes. The integration of digital dentistry with modern corticotomy techniques represents an effective and reliable approach for enhancing orthodontic treatment efficiency, reducing treatment time, and improving patient-centered clinical outcomes in adult orthodontic patients.

Maqolada pedagog xodimlarning kasbiy faoliyati davomida ularning sog’lig’iga yetkazilgan zararni qoplashning huquqiy mexanizmlari - mehnat va fuqarolik huquqi tutashgan nuqtada - tahlil qilinadi. Muallif pedagoglik kasbiga xos, ammo milliy huquqiy adabiyotda deyarli e’tibordan chetda qolgan muammoni - ovoz apparatining kasbiy shikastlanishi (kasbiy disfoniya, surunkali laringit) misolida - butun maqola davomida izchil ochib beradi va bunday holatlarning “birdaniga yuz beruvchi shikastlanish” emas, balki asta-sekin to’planib boruvchi xarakterga ega ekanligi sababli amaldagi kompensatsiya tizimiga qanchalik yaxshi sig’ishini tanqidiy baholaydi. “Pedagogning maqomi to’g’risida”gi Qonun, Mehnat va Fuqarolik kodekslari, Vazirlar Mahkamasining ishchilarga yetkazilgan zararni qoplash qoidalari hamda tibbiy-mehnat ekspertizasiga oid normativ hujjatlar milliy va xorijiy huquqshunoslarning, jumladan Xalqaro Mehnat Tashkiloti materiallarining, ilmiy-nazariy qarashlari bilan qiyoslanadi. Muallif tomonidan pedagoglarning kasbiy kasalliklarini erta aniqlash va qoplashning maxsus, differensiallashtirilgan tartibini joriy etish modeli taklif etiladi.