This article explores how artificial intelligence (AI) is revolutionizing credit risk assessment in financial technology (Fintech) lending platforms. By analyzing large datasets in real-time, AI systems enhance accuracy, reduce bias, and expand access to credit. The research incorporates global insights from organizations like the IMF, World Bank, and BIS, along with examples from emerging Fintech ecosystems, including Uzbekistan. The paper also examines regulatory challenges, data privacy concerns, and practical recommendations for implementing AI in a responsible and inclusive way.

Ushbu maqolada Ikkinchi jahon urushi qatnashchilarining Vatan uchun olib borgan kurashlari, ular keltirgan g‘alaba sabab hozirgi tinch-osoyishta hayotga erishganligimiz va mustaqillik yillaridan hozirgacha nafaqat faxrli urush ishtirokchilari, balki, ilm-fan sohasidagi ziyolilar shaxsiyatlarini abadiylashtirish va chuqur izlanishlar olib borishdagi islohotlar haqida yoritildi. Ta’lim orqali yoshlar ongida buyuk tarixni haqiqiy jonlantirish va taraqqiyot sari ilg‘or qadamlar tashlab, ajdodlarimiz ko‘zlagan maqsadga biz erishishimiz-vazifamiz ekanligi yana bir bor ta’kidlab o‘tildi.

Neuropsycholinguistics is an interdisciplinary field that explores the relationship between language and the brain, examining how linguistic processes are represented and function within the neural architecture. This field integrates insights from psychology, linguistics, cognitive science, and neuroscience to understand how language is acquired, produced, and comprehended, as well as how brain injuries or neurological disorders affect linguistic abilities.

Ushbu maqolada musiqiy faoliyat turlarini kreativ tarzda tashkil etishning zamonaviy yondashuvlari, nazariy asoslari va amaliy ahamiyati o'rganiladi. Tadqiqot davomida O'zbekiston va xorijiy mamlakatlar tajribasi tahlil qilinib, musiqiy ta'limda innovatsion usullarni qo'llash imkoniyatlari ochib berilgan. Natijalar musiqiy ta'lim jarayonini kreativ tashkil etish orqali o'quvchilarning bilim, ko'nikma va malakalari shakllantirishga ijobiy ta'sir ko'rsatishini isbotlaydi. Xulosa qismida musiqiy faoliyatni kreativ tashkil etishning istiqbolli yo'nalishlari taklif etilgan.

Ushbu maqola zardushtiylik diniy an’analari va amaliyotlarida muhim o‘rin tutuvchi kalendarga bag‘ishlangan. Zardushtiylik kalendari, asosan, qadimgi Fors imperiyasi va uning atrofidagi hududlarda tarqalgan zardushtiylik e'tiqodlari bilan bog‘liq bo‘lib, turli diniy bayramlar va marosimlarning sanalari ushbu kalendarda aniq belgilangan. Maqolada zardushtiylikning yilni hisoblash tizimi, asosiy bayramlar va muqaddas kunlarning ahamiyati, shuningdek, bu kalendarning zamonaviy zardushtiylar orasida qanday saqlanib kelayotgani tahlil qilinadi. Zardushtiylik kalendari, yirik tabiiy o‘zgarishlar va uning ruhiy, diniy mazmuni bilan birga, zamonaviy dunyoda milliy va diniy meros sifatida qadrlanadi.