This article provides a thorough theoretical and practical analysis of the role of self-governing bodies—particularly mahallas, citizens' assemblies, and public organizations—in the formation and development of civil society. Within the context of ongoing democratic reforms in Uzbekistan, increasing civic engagement, enhancing the significance of the mahalla institution, and establishing an effective mechanism of mediation between the state and society are considered among the key objectives. The article examines the functions of self-governing bodies, their legal foundations, and their interactions with civil society institutions. It also analyzes their contributions to enhancing the social, economic, and cultural activity of the population. Furthermore, based on comparative analysis with advanced international practices, the article identifies both the strengths and weaknesses of the current system in Uzbekistan. In conclusion, the article presents concrete recommendations and proposals aimed at unlocking the full potential of self-governing bodies in strengthening civil society. This scientific work may serve as a valuable resource for researchers in the field of social sciences, professionals in public administration, and the broader audience interested in the development of civil society.

Ushbu maqolada imkoniyati cheklangan o‘quvchilarga musiqa fanini o‘qitish metodikasi nazariy va amaliy jihatdan tahlil qilinadi. Musiqa darslarining psixologik, tarbiyaviy va ijtimoiy funksiyalari yoritilib, o‘quvchilarda shaxsiy rivojlanish, kommunikativ imkoniyatlar va ijodiy qobiliyatlarning shakllanishi tadqiq etilgan. Tadqiqot jarayonida qo‘shiq kuylash, cholg‘u chalish, ritmik mashqlar, musiqa terapiyasi va raqamli texnologiyalardan foydalanish natijalari ko‘rib chiqildi. Kuzatuvlar shuni ko‘rsatadiki, musiqa ta’limi imkoniyati cheklangan o‘quvchilarda emotsional barqarorlikni ta’minlash, ijtimoiylashuvni kuchaytirish, nutq va motorik ko‘nikmalarni rivojlantirishda samarali vosita hisoblanadi.

Sport sog‘lom turmush tarzining ajralmas qismi bo‘lib, yosh avlodning jismoniy, ruhiy va ijtimoiy rivojlanishiga katta hissa qo‘shadi. Bolalarni sportga jalb qilish orqali ularning nafaqat jismoniy ko‘rsatkichlari, balki irodasi, maqsadga intilishi va jamoada ishlash qobiliyati shakllanadi. O‘zbekiston Respublikasi Prezidenti tomonidan sportning ommaviyligini ta’minlash, ayniqsa bolalar o‘rtasida sport bilan shug‘ullanishni rag‘batlantirish borasida amalga oshirilayotgan islohotlar doirasida badminton sport turiga ham alohida e’tibor qaratilmoqda.

Mazkur maqolada tijorat banklarining kredit siyosatini takomillashtirish masalalari "Davrbank" XATB misolida o‘rganilgan. Kredit siyosati bankning asosiy moliyaviy vositalaridan biri bo‘lib, uning samarali yuritilishi kredit portfeli sifatini oshirish, muammoli kreditlar ulushini kamaytirish va bankning moliyaviy barqarorligini ta’minlashda muhim omil hisoblanadi. Maqolada so‘ngi yillarda “Davrbank” tomonidan amalga oshirilgan kreditlash faoliyati statistik tahlil qilinib, mavjud muammolar va risk omillari aniqlangan. Tahlillar asosida kredit siyosatini raqamlashtirish, skoring tizimlarini joriy etish va mijozlarga yo‘naltirilgan yondashuvlarni kuchaytirish bo‘yicha takliflar ishlab chiqilgan. Tadqiqot natijalari, xususan, O‘zbekiston bank sektorida kredit siyosatining zamonaviy yondashuvlar orqali takomillashtirilishiga amaliy asos bo‘lib xizmat qiladi.

Maqolada reproduktiv salomatlik tushunchasi, uning zamonaviy tibbiyotdagi ahamiyati hamda bepushtlik muammosining asosiy sabablari tahlil qilinadi. Jahon sog‘liqni saqlash tashkiloti (JSST) ma’lumotlariga ko‘ra, dunyo bo‘yicha reproduktiv yoshdagi har oltinchi juftlik bepushtlikdan aziyat chekadi. Ushbu muammo ijtimoiy, psixologik va iqtisodiy oqibatlarga olib kelishi bilan birga, milliy demografik siyosat uchun ham dolzarb hisoblanadi. Tadqiqotda ayol va erkak bepushtligining asosiy etiologik omillari, diagnostika usullari hamda davolash yondashuvlari yoritiladi.