{"id":11293,"date":"2025-10-19T18:48:22","date_gmt":"2025-10-19T13:48:22","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/uzum-nasiya-foyda-va-tushumni-ikki-barobarga-oshirdi\/"},"modified":"2025-10-19T18:48:22","modified_gmt":"2025-10-19T13:48:22","slug":"uzum-nasiya-foyda-va-tushumni-ikki-barobarga-oshirdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/uzum-nasiya-foyda-va-tushumni-ikki-barobarga-oshirdi\/","title":{"rendered":"Uzum Nasiya foyda va tushumni ikki barobarga oshirdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>O\u2018zbekistonda \u201chozir sotib ol \u2014 keyin to\u2018la\u201d (BNPL) modeli kengayib bormoqda: daromadlarning o\u2018sishi va MFO hamkorlarining barqaror ko\u2018rsatkichlari bu sxemaning kundalik iqtisodiyotga tez kirib borayotganini ko\u2018rsatmoqda.<\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li><strong>Solutions Lab<\/strong> (Uzum Nasiya operatori) ning 2025-yil yanvar-sentyabr oylaridagi sof foydasi <strong>470,1 mlrd so\u2018mni<\/strong> tashkil etdi (o\u2018sish 97,4%).<\/li>\n<li><strong>Tushum<\/strong> \u2014 <strong>2,5 trln so\u2018m<\/strong>, 2024-yilga nisbatan o\u2018sish <strong>173,6%<\/strong>.<\/li>\n<li>Kompaniya <strong>aktivlari<\/strong> \u2014 <strong>1,3 trln so\u2018m<\/strong> (107,1 foizga o\u2018sish), kapitali \u2014 <strong>1,2 trln so\u2018m<\/strong> (101,1 foizga o\u2018sish).<\/li>\n<li><strong>Taqsimlanmagan foyda:<\/strong> <strong>1,2 trln so\u2018m<\/strong> (o\u2018sish 104,2%).<\/li>\n<li><strong>III chorakdagi foyda<\/strong> \u2014 <strong>158,2 mlrd so\u2018m<\/strong> (o\u2018sish 54,8%).<\/li>\n<\/ul>\n<p>Asosiy hamkorlar:<\/p>\n<ul>\n<li><strong>Shaffof-Moliya:<\/strong> <strong>1,8 trln so\u2018mlik<\/strong> portfel<\/li>\n<li><strong>Tezcoin:<\/strong> <strong>2,4 trln so\u2018mlik<\/strong> portfel<\/li>\n<li>Ular birgalikda O\u2018zbekistonning barcha mikromoliyaviy kreditlash bozorining <strong>46,2 foizini<\/strong> egallaydi.<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Sanoat vakillarining ta\u2019kidlashicha, BNPL, ayniqsa yuqori asosiy stavka fonida, iste\u2019mol kreditlaridan foydalanishning ommaviy vositasiga aylanmoqda. XMI ma\u2019lumotlariga ko\u2018ra, portfellarning o\u2018sishi yirik platformalarga, birinchi navbatda, Uzum Nasiyaga integratsiyalashuv bilan bog\u2018liq. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>BNPL modeli O\u2018zbekistonda 2022-yildan buyon faol rivojlanmoqda. Uzum Nasiya onlayn muddatli to\u2018lovlar sohasida yetakchi o\u2018rinni egallaydi. MFOlar bank kreditlaridan foydalanish imkoniyati cheklangan sharoitda iste\u2019mol kreditlarining asosiy drayverlariga aylandi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uzum Nasiya bo\u2018lib-bo\u2018lib to\u2018lash operatori keskin o\u2018sishni ko\u2018rsatdi: 9 oyda sof foyda 470,1 milliard so\u2018mga, tushum 2,5 trillion so\u2018mga yetdi, ikkala ko\u2018rsatkich ham yildan-yilga ikki baravarga oshdi.<\/p>\n","protected":false},"author":4,"featured_media":11285,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68f4eece673bb.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11285,"YlB8HH34jIzY":"Uzum Nasiya foyda va tushumni ikki barobarga oshirdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[3313,1007,760,926],"class_list":["post-11293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-bolib-tolash-uz","tag-kreditlar","tag-finansy-uz","tag-uzum-nasiya-uz"],"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>Uzum Nasiya foyda va tushumni ikki barobarga oshirdi &#8212; 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