{"id":13570,"date":"2025-12-08T15:57:18","date_gmt":"2025-12-08T10:57:18","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-mikromoliyaviy-xizmatlar-hajmi-18-barobarga-oshdi\/"},"modified":"2025-12-08T15:57:18","modified_gmt":"2025-12-08T10:57:18","slug":"ozbekistonda-mikromoliyaviy-xizmatlar-hajmi-18-barobarga-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-mikromoliyaviy-xizmatlar-hajmi-18-barobarga-oshdi\/","title":{"rendered":"O\u2018zbekistonda mikromoliyaviy xizmatlar hajmi 1,8 barobarga oshdi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>O\u2018zbekistonda mikromoliyaviy xizmatlar bozori faol o\u2018sishda davom etmoqda va kredit bozorining uchdan bir qismidan ko\u2018prog\u2018ini egallamoqda. Mikromoliyalashda banklarning roli ustunligicha qolmoqda. Bir nechta tashkilotlarda yuqori konsentratsiya yirik o\u2018yinchilarning kuchayishini ko\u2018rsatadi.  <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Markaziy bank 2025-yilning yanvar-sentyabr oylari uchun mikromoliyaviy xizmatlar bozori sharhini <a href=\"https:\/\/cbu.uz\/upload\/iblock\/305\/brbzzzlb9nvi5npxeovyndl2mf7x1b1i\/Mikromoliya_khizmatlari_bozori_shar_i_2025_yil_III_chorak_yakuni_b_yicha-_2_.pdf\">e\u2019lon qildi<\/a>.<\/li>\n<li>Mikromoliyaviy xizmatlar hajmi o\u2018tgan yilga nisbatan <strong>oshdi<\/strong>.<\/li>\n<li>Bozorning asosiy ulushini banklar egallaydi, qolgan qismi mikromoliya tashkilotlari va lombardlarga to\u2018g\u2018ri keladi.<\/li>\n<li>Mikromoliya tashkilotlari xizmatlarining katta qismi uchta kompaniyaga to\u2018g\u2018ri keladi.<\/li>\n<li>Mikroqarzlar ustunlik qiladi, mikrokreditlar kamroq ulushni tashkil etadi.<\/li>\n<li>Bozorning eng katta ulushi Toshkent shahriga to\u2018g\u2018ri keladi.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>Mikromoliyaviy xizmatlar hajmi \u2014 <strong>104 trln so\u2018m<\/strong>, o\u2018sish \u2014 1,8 barobar, kreditlarning umumiy hajmidagi ulushi \u2014 34,2%.<\/li>\n<li>Banklar ulushi \u2014 79,5%, mikromoliya tashkilotlari \u2014 18,5%, lombardlar \u2014 2%.<\/li>\n<li>Mikromoliya tashkilotlari xizmatlari hajmi \u2014 19 trln so\u2018m, shundan 73% (13,9 trln so\u2018m) uchta tashkilot hissasiga to\u2018g\u2018ri keladi.<\/li>\n<li>Mikroqarzlar \u2014 83 trln so\u2018m, mikrokreditlar \u2014 21 trln so\u2018m.<\/li>\n<li>Mikroqarzlar ulushi \u2014 80 foiz, mikrokreditlar ulushi \u2014 20 foiz.<\/li>\n<li>Toshkent shahrining ulushi 64 foizni tashkil etib, eng yuqori o\u2018sish sur\u2019atlari Toshkent, Qashqadaryo va Xorazm viloyatlariga to\u2018g\u2018ri kelgan.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>Mikromoliyaviy xizmatlar banklar, mikromoliya tashkilotlari va lombardlar tomonidan taqdim etiladigan hamda asosan kichik biznes va aholini qo\u2018llab-quvvatlash uchun foydalaniladigan mikroqarzlar va mikrokreditlarni o\u2018z ichiga oladi.<\/li>\n<li>Mikromoliya sektori kredit bozorining asosiy segmentlaridan biriga aylanmoqda.<\/li>\n<li>Toshkentda mintaqaviy konsentratsiyaning kuchliligi bozorning mamlakat bo\u2018ylab notekis rivojlanayotganidan dalolat beradi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Banklar bozorning deyarli 80 foizini egallagan bo\u2018lib, mikromoliyaviy tashkilotlar xizmatlarining katta qismi uchta kompaniyaga to\u2018g\u2018ri keladi.<\/p>\n","protected":false},"author":7,"featured_media":13562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/12\/6936bdd2ab631.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":13562,"YlB8HH34jIzY":"O\u2018zbekistonda mikromoliyaviy xizmatlar hajmi 1,8 barobarga oshdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[627,2478],"class_list":["post-13570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-iqtisodiyot","tag-markaziy-bank-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>O\u2018zbekistonda mikromoliyaviy xizmatlar hajmi 1,8 barobarga oshdi &#8212; 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