This research article explores the effectiveness of alternative assessment methods in improving reading comprehension skills among second-year students at Uzbekistan State World Languages University. The study employs a mixed-methods approach, incorporating both theoretical frameworks and practical experimentation. The research methods section outlines participant demographics, instrumentation, and procedures, including pretest-posttest intervention design. Descriptive statistics, paired samples t-test, and assumption checks are employed for data analysis, revealing significant improvements in reading comprehension skills among participants following the intervention. The discussion interprets these findings, emphasizing the reduction in variability and concentration of scores around the mean post-intervention. The conclusion underscores the potential of alternative assessment methods to yield consistent improvements in reading comprehension skills and offers implications for educators and practitioners. Overall, this research contributes to the literature on language education and assessment, providing valuable insights for improving reading comprehension instruction in EFL contexts.

The article deals with the analysis of antonomasia from the perspective of cognitive stylistics, cultural linguistics and linguopragmatics. Opposing to the structural viewpoint that analyzed stylistic devices as the elements of figurative speech only, cognitive approach opened a new concept in the exploration of the later ones as the results of complex cognitive processes happening in the human brain. These processes are highly dependent on the cultural background of the creator. Along with this, antonomasia can be related to the Conceptual Blending Theory. The conclusion highlights the importance and the role of the investigation in Uzbek linguistics.

В статье рассматривается роль кредитной политики банка в распределении банковских ресурсов, критерии кредитной политики коммерческих банков, современные методы управления проблемными кредитами. В статье также подробно рассматриваются вопросы кредитного портфеля коммерческого банка, его сущности и формирования.

Hárqanday tildiń basqa tillerge salıstırǵanda ózinshelik ózgesheligi boladı. Bunday ózgeshelikler tillerdiń fonetikalıq, leksikalıq, grammatikalıq hám t.b. buwınlarında saqlanıp, parıqlandırıp turadı. Biz bul maqalamızda tuwısqan túrkiy tiller bolǵan qaraqalpaq hám túrk tilleriniń fonetikasındaǵı seslik qubılıslardı parallel salıstırıp, ondaǵı uqsas hám ózgeshe tárepleri haqqında sóz etemiz.

Ushbu maqolada tijorat banklarida kredit portfeli risklarini boshqarishning samarali usullari tahlil qilinadi. Maqolada "Ipak Yo’li" AJ Banki (AITB) misolida kredit risklarini boshqarishning asosiy yo’nalishlari ko’rib chiqilgan. Bankning kredit portfeli risklarini samarali boshqarish uchun qo’llanilayotgan usullar, jumladan, kredit portfelini diversifikatsiya qilish, kredit risklarini baholash, geografik diversifikatsiya, axborot texnologiyalaridan foydalanish, va kredit siyosatini mustahkamlash tahlil qilinadi. Shuningdek, muammoli kreditlarni boshqarish va ularni undirishga qaratilgan strategiyalar ham ko’rib chiqiladi. Maqola O’zbekistondagi tijorat banklarining barqaror moliyaviy rivojlanishiga yordam beradigan samarali kredit risklarini boshqarishning muhim tamoyillarini o’z ichiga oladi.