{"id":6776,"date":"2025-08-04T09:11:21","date_gmt":"2025-08-04T04:11:21","guid":{"rendered":"https:\/\/frank.uz\/?p=6776"},"modified":"2025-08-04T09:11:21","modified_gmt":"2025-08-04T04:11:21","slug":"ozbekistonda-chakana-kreditlar-hajmi-66-foizga-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-chakana-kreditlar-hajmi-66-foizga-oshdi\/","title":{"rendered":"O\u2018zbekistonda chakana kreditlar hajmi 66 foizga oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Asosiy o\u2018sish <strong>mikroqarzlar va mikrokreditlar<\/strong> bilan ta\u2019minlangan \u2014 aynan ular narxlarning o\u2018sishi va qisqa muddatli kreditlar bo\u2018yicha past kredit yuki fonida aholi uchun eng arzon va talabgir moliyalashtirish manbaiga aylanmoqda.<\/p>\n<p><strong>Asosiy faktlar<\/strong><\/p>\n<ul>\n<li><strong>40,2 trln so\u2018m<\/strong> \u2014 mikroqarzlar hajmi (+110 foiz);<\/li>\n<li>Mikroqarzlar jami ajratilgan <strong>kreditlarning 52,7 foizini<\/strong> tashkil etdi;<\/li>\n<li><strong>13,5 trln so\u2018m<\/strong> \u2014 mikrokreditlar hajmi (+70%);<\/li>\n<li>Ipoteka: <strong>9,4 trln so\u2018m<\/strong> (+27,4 foiz);<\/li>\n<li>Iste\u2019mol kreditlari + boshqalar: <strong>13 trln so\u2018m<\/strong>, ulushi \u2014 17%;<\/li>\n<li>Avtokreditlar: 7,4 trln so\u2018m \u2014 2024-yilga nisbatan <strong>kamayish<\/strong>;<\/li>\n<li>2024-yilning birinchi yarmida chakana kreditlashning umumiy hajmi <strong>45,8 trln so\u2018mni<\/strong> tashkil etdi.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Talab tarkibi qisqa muddatli va oddiy moliyalashtirish tomon siljiydi. Banklar mikrosegmentda taklifni, jumladan, 2025-yilning birinchi yarmida asosiy kanalga aylangan raqamli mikroqarzlarni ko\u2018paytirmoqda. Avtokreditlar bo\u2018yicha pasayish bozorning to\u2018yinganligi va lizing dasturlari bo\u2018yicha qat\u2019iyroq shartlarni aks ettiradi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-yilning birinchi yarmida O\u2018zbekiston banklari aholiga 76,2 trillion so\u2018m chakana kreditlar ajratdi \u2014 bu 2024-yilning shu davriga nisbatan 66 foizga ko\u2018pdir.<\/p>\n","protected":false},"author":4,"featured_media":6731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/689032edd1f39.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":6731,"YlB8HH34jIzY":"O\u2018zbekistonda chakana kreditlar hajmi 66 foizga oshdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1009,634,1550,760],"class_list":["post-6776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-avtokreditlar","tag-banklar","tag-mikrokreditlar","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>O\u2018zbekistonda chakana kreditlar hajmi 66 foizga oshdi &#8212; 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