{"id":11572,"date":"2025-10-23T12:44:23","date_gmt":"2025-10-23T07:44:23","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/"},"modified":"2025-10-23T12:44:23","modified_gmt":"2025-10-23T07:44:23","slug":"mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/","title":{"rendered":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Islomiy moliyalashtirishning nobank sektorga kengayishi kichik biznes va bank xizmatlaridan foydalana olmaydigan jismoniy shaxslar uchun shariat mahsulotlariga kirish imkoniyatini ochadi. Bu moliyaviy inklyuziyani oshiradi va muqobil moliyalashtirish manbalari bozorida raqobatni yuzaga keltiradi. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Mikromoliya tashkilotlari, lombardlar va faktoring kompaniyalari islom moliyasi xizmatlarini ko\u2018rsatish huquqiga ega bo\u2018ldi;<\/li>\n<li>Mavjud moliyalashtirish turlari: islomiy ijara, muzoraba, murobaha, mushoraka va salam;<\/li>\n<li>Kapitalning yetarlilik koeffitsiyenti 10% dan kam bo\u2018lmasligi kerak (ilgari talab faqat MFOga taalluqli edi);<\/li>\n<li>Tashkilotlar islomiy xizmatlar to\u2018g\u2018risida har oyda Markaziy bankka hisobot berishi shart;<\/li>\n<li>Umidsiz aktivlar uch ish kuni ichida zaxiralar hisobiga hisobdan chiqarilishi kerak.<\/li>\n<\/ul>\n<p><strong>Islomiy moliyalashtirish turlari<\/strong><\/p>\n<ul>\n<li><strong>Ijara<\/strong> \u2014 islomiy ijara;<\/li>\n<li><strong>Muzoraba<\/strong> \u2014 investor va boshqaruvchi o\u2018rtasida foydani taqsimlash bilan moliyalashtirish;<\/li>\n<li><strong>Murobaha<\/strong> \u2014 to\u2018lovni kechiktirish va kelishilgan ustama bilan savdoni moliyalashtirish;<\/li>\n<li><strong>Mushoraka<\/strong> \u2014 foyda va zararlarni taqsimlash bilan hamkorlikda moliyalashtirish;<\/li>\n<li><strong>Salom<\/strong> \u2014 qishloq xo\u2018jaligi mahsulotlarini oldindan moliyalashtirish.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Markaziy bank \u201cMikromoliya tashkilotlari va lombardlar faoliyatini muvofiqlashtirish va tartibga solish to\u2018g\u2018risida\u201dgi nizomga o\u2018zgartirishlar kiritib, uning amal qilishini faktoring kompaniyalariga ham tatbiq etdi. Bu esa nobank moliya sektorini tartibga solishni birxillashtiradi. <\/p>\n<p>Avvalroq O\u2018zbekistonda islom banklarini litsenziyalash boshlangandi. Endi islomiy mahsulotlar hududlardagi kichik biznes va jismoniy shaxslar bilan ishlaydigan XMIlar orqali mavjud bo\u2018ladi. Bu, ayniqsa, foizli qarzlardan qochadigan diniy yo\u2018nalishdagi tadbirkorlar uchun muhimdir.  <\/p>\n<p>Kapitalning yetarliligi talabi (10%) yangi mahsulotlar bilan ishlashda tashkilotlarning moliyaviy barqarorligini oshirishga qaratilgan. Regulyatorga hisobot berishning kuchaytirilishi Markaziy bankka mamlakatda islomiy moliyalashtirishning rivojlanishini nazorat qilish imkonini beradi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim. <\/p>\n","protected":false},"author":4,"featured_media":11532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fa24ab0f463.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11532,"YlB8HH34jIzY":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[3394,628,2259,760],"class_list":["post-11572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-islom-moliyasi-uz","tag-mb","tag-mikromoliyalash","tag-finansy-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>Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi\" \/>\n<meta property=\"og:description\" content=\"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-23T07:44:23+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/\",\"name\":\"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg\",\"datePublished\":\"2025-10-23T07:44:23+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg\",\"width\":1280,\"height\":720,\"caption\":\"\u0424\u043e\u0442\u043e: Nova24.uz\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/uz\/#website\",\"url\":\"https:\/\/frank.uz\/uz\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/uz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\",\"name\":\"Azamat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"caption\":\"Azamat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi &#8212; Frank.uz","description":"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/","og_locale":"uz_UZ","og_type":"article","og_title":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi","og_description":"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.","og_url":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2025-10-23T07:44:23+00:00","author":"Azamat","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"Azamat","Est. reading time":"1 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/","url":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/","name":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi &#8212; Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/uz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg","datePublished":"2025-10-23T07:44:23+00:00","author":{"@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67"},"description":"Markaziy bank 20-oktyabr kuni mikromoliya va faktoring kompaniyalari, shuningdek, lombardlarga islomiy moliya xizmatlarini ko\u2018rsatishga ruxsat berdi. Tashkilotlar kapitalning yetarlilik koeffitsiyentini 10 foizdan kam bo\u2018lmagan darajada saqlab turishlari lozim.","breadcrumb":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/"]}]},{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/photo_2022-08-02_15-23-08.jpg","width":1280,"height":720,"caption":"\u0424\u043e\u0442\u043e: Nova24.uz"},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mikromoliya-tashkilotlari-islomiy-moliyalashtirish-huquqiga-ega-boldi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"Mikromoliya tashkilotlari islomiy moliyalashtirish huquqiga ega bo\u2018ldi"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/uz\/#website","url":"https:\/\/frank.uz\/uz\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67","name":"Azamat","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","caption":"Azamat"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11572","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/comments?post=11572"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11572\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media\/11532"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media?parent=11572"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/categories?post=11572"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/tags?post=11572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}