Mazkur ilmiy maqolada tijorat banklarida muammoli kreditlarning yuzaga kelish sabablari, ularning bank moliyaviy barqarorligiga ta’siri hamda kamaytirish mexanizmlari “Agrobank” aksiyadorlik tijorat banki misolida o‘rganilgan. Tadqiqotda kredit oluvchilarning moliyaviy holatini yetarli darajada baholamaslik, kredit mablag‘laridan maqsadsiz foydalanish, garov ta’minotining likvidligi pastligi, monitoring jarayonlaridagi kamchiliklar va tashqi iqtisodiy omillar muammoli kreditlarning ko‘payishiga sabab bo‘lishi asoslangan. Shuningdek, bankning kredit portfelini diversifikatsiya qilish, zamonaviy skoring tizimlarini joriy etish, qarz oluvchilarning to‘lov qobiliyatini muntazam monitoring qilish, kreditlarni restrukturizatsiya qilish hamda muammoli qarzdorlik bilan ishlash tizimini takomillashtirish yo‘nalishlari tahlil qilingan.

This research explores how Thomas Pynchon uses parody to transform the detective story from a search for truth into an encounter with uncertainty. While traditional mystery novels follow a clear path from a crime to a logical solution, Pynchon breaks these rules to reflect a more complex world. By focusing on works like “The Crying of Lot 49” and “Inherent Vice”, the study shows how the author adopts the style of noir fiction only to dismantle its core promises of order and clarity. The analysis highlights how Pynchon replaces the typical “whodunit” structure with a web of endless clues and deep-seated paranoia. Instead of reaching a final revelation, the protagonists often find themselves lost in a surplus of information that leads nowhere. This subversion of the genre suggests that in modern society, the mystery is not something to be solved, but a condition to be lived. Ultimately, the article argues that this parodic approach serves as a powerful critique of the human desire for total understanding in an inherently chaotic universe.

This article investigates the problem of shaping national identity in the spiritual and ethnic development of preschool children within the context of contemporary globalization. The pedagogical and psychological potential of the rich oral heritage of the Karakalpak people—specifically lullabies, folk tales, proverbs, and traditional games—is comprehensively analyzed. As a result of the study, a methodological framework for integrating national folklore into preschool education organizations (PEOs) is proposed, and its impact on children's ethno-cultural consciousness is systematically demonstrated.

Bul maqalada Basshınıń tálim-tárbiya processin basqarıw kompetenciyası túrleri hám olardıń ózine tán ózgeshelikleri haqqında sóz etilgen.

Maqolada yangi O‘zbekiston sharoitida yoshlarga oid davlat siyosatining asosiy yo‘nalishlari tahlil qilingan. Jamiyatda huquqiy madaniyatini yuksaltirishning yoshlar tarbiyasidagi o‘rni ochib berilgan. Mutafakkirlar asarlaridagi komil inson g‘oyasining tarixiy-falsafiy talqiniga alohida e’tibor qaratilgan.