{"id":10473,"date":"2025-10-03T12:51:53","date_gmt":"2025-10-03T07:51:53","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-mikroqarzlar-boyicha-ortacha-stavka-yillik-60-foizdan-oshdi\/"},"modified":"2025-10-03T12:51:53","modified_gmt":"2025-10-03T07:51:53","slug":"ozbekistonda-mikroqarzlar-boyicha-ortacha-stavka-yillik-60-foizdan-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-mikroqarzlar-boyicha-ortacha-stavka-yillik-60-foizdan-oshdi\/","title":{"rendered":"O\u2018zbekistonda mikroqarzlar bo\u2018yicha o\u2018rtacha stavka yillik 60 foizdan oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Yuqori stavkalar mikroqarzlarning yuqori risklarini va aholining an\u2019anaviy bank kreditlaridan foydalanish imkoniyatining cheklanganligini aks ettiradi. Shu bilan birga, soha jadal sur\u2019atlar bilan o\u2018sib, millionlab fuqarolar uchun muhim moliyalashtirish manbaiga aylanmoqda. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>2025-yilning birinchi yarmida XMI va lombardlar tomonidan berilgan kreditlar hajmi <strong>13,3 trillion so\u2018mni<\/strong> tashkil etdi (2024-yilga nisbatan +2,1 barobar).<\/li>\n<li>XMI ulushiga <strong>12,0 trln so\u2018m<\/strong> (90%), lombardlar ulushiga <strong>1,3 trln so\u2018m<\/strong> (10%) to\u2018g\u2018ri keldi.<\/li>\n<li>Asosiy qarz oluvchilar \u2014 <strong>jismoniy shaxslar<\/strong> (12,8 trln so\u2018m, 97 foiz), yuridik shaxslar \u2014 atigi 3 foiz.<\/li>\n<\/ul>\n<p>2025-yil iyun oyida qarzlar bo\u2018yicha stavkalar:<\/p>\n<ul>\n<li>jismoniy shaxslar \u2014 <strong>36% dan 109,5% gacha<\/strong>, o\u2018rtacha vaznlilar \u2014 <strong>59,9%<\/strong>;<\/li>\n<li>yuridik shaxslar \u2014 <strong>41 foizdan 60 foizgacha<\/strong>, o\u2018rtacha \u2014 <strong>50,9 foiz<\/strong>.<\/li>\n<\/ul>\n<p>Bozorda yillik 27-29% daromadli MFO (Agat Credit, Biznes Finans, Imkon Finans) obligatsiyalari muomalada bo\u2018ladi. Yuqori marjinallik MFOga kapitalni ishonch bilan jalb qilish va qarzlar bo\u2018yicha daromadlilik va qarz olish qiymati o\u2018rtasidagi spred hisobiga foyda olish imkonini beradi. <\/p>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Mutaxassislarning ta\u2019kidlashicha, bunday stavkalar rivojlanayotgan bozorlar uchun xosdir: ular mijozlarning zaif kredit tarixini va arzon fondlashtirish imkoniyatining yo\u2018qligini aks ettiradi.<\/p>\n<p>Shu bilan birga, regulyator uchun sektorning o\u2018sishi va aholining \u201cortiqcha qarzdorligi\u201d xatarlarini muvozanatlash muhimdir.<\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>O\u2018zbekistonda mikroqarzlar bozori ko\u2018p jihatdan raqamli platformalar tufayli jadal sur\u2019atlar bilan rivojlanmoqda. 2024-yilda XMIlarning umumiy portfeli qariyb 6 trillion so\u2018mni tashkil etdi \u2014 bir yil ichida bozor amalda ikki baravarga oshdi. Kelgusi yillarda sohani konsolidatsiya qilish va tartibga solishni kuchaytirish mumkin: stavkalar bo\u2018yicha yangi limitlar va iste\u2019molchilarni qarz yukidan himoya qilish muhokama qilinmoqda.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank mikromoliya tashkilotlari va lombardlarning 2025-yil I yarim yillikdagi faoliyati to\u2018g\u2018risidagi ma\u2019lumotlarni e\u2019lon qildi.<\/p>\n","protected":false},"author":4,"featured_media":8880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68e0d9cc3d351.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":8880,"YlB8HH34jIzY":"O\u2018zbekistonda mikroqarzlar bo\u2018yicha o\u2018rtacha stavka yillik 60 foizdan oshdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1007,628,1072,760,1129],"class_list":["post-10473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-kreditlar","tag-mb","tag-mmt","tag-finansy-uz","tag-obligatsiyalar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O\u2018zbekistonda mikroqarzlar bo\u2018yicha o\u2018rtacha stavka yillik 60 foizdan oshdi &#8212; 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