{"id":8101,"date":"2025-08-30T19:24:53","date_gmt":"2025-08-30T14:24:53","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekiston-mikromoliya-bozori-yarim-yil-ichida-ikki-baravarga-oshdi\/"},"modified":"2025-08-30T19:24:53","modified_gmt":"2025-08-30T14:24:53","slug":"ozbekiston-mikromoliya-bozori-yarim-yil-ichida-ikki-baravarga-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekiston-mikromoliya-bozori-yarim-yil-ichida-ikki-baravarga-oshdi\/","title":{"rendered":"O\u2018zbekiston mikromoliya bozori yarim yil ichida ikki baravarga oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Mikromoliyalashning keskin o\u2018sishi banklar va xususiy tashkilotlar tomonidan kichik kreditlarga bo\u2018lgan yuqori talab va taklifning kengayishini aks ettiradi. Bu aholi va kichik biznesni qo\u2018llab-quvvatlashda mikromoliyalarning rolini kuchaytiradi. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Xizmatlarning umumiy hajmi \u2014 <strong>66,9 trln so\u2018m<\/strong> (2024-yilga nisbatan o\u2018sish 32,1 trln so\u2018m).<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Manbalar:<\/span><\/p>\n<ul>\n<li>banklar \u2014 80% (53,6 trln),<\/li>\n<li>mikromoliya tashkilotlri \u2014 18% (12 trln),<\/li>\n<li>lombardlar \u2014 2% (1,3 trln);<\/li>\n<li><strong>100 mln so\u2018mgacha<\/strong> bo\u2018lgan kreditlarning 91 foizi;<\/li>\n<li>Mikromoliyalashning umumiy kredit portfelidagi ulushi 26 foizdan <strong>34 foizga<\/strong> oshdi.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Eng yuqori o\u2018sish:<\/span><\/p>\n<ul>\n<li>xususiy banklarda \u2014 2,2 baravar,<\/li>\n<li>davlat banklarida \u2014 46%ga;<\/li>\n<li>Yetakchilar: <strong>TBC Bank<\/strong> (+3,2 barobar), <strong>Invest Finance Bank<\/strong> (+3,1 barobar), <strong>Anorbank<\/strong> (+75%);<\/li>\n<li>XMIlar orasida \u2014 \u201cTezkoyn\u201d (bozorning 47%), \u201cShaffof moliya\u201d (20%), \u201cFortuna biznes\u201d (5%).<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Markaziy bank ekspertlarining ta\u2019kidlashicha, <strong>o\u2018zini o\u2018zi band qilganlar<\/strong> uchun xizmatlar segmenti ayniqsa tez o\u2018sib bormoqda: ularning ulushi 28 foizga (18,6 trillion so\u2018m) yetdi, bu bir yil oldingiga nisbatan 3 baravar ko\u2018pdir.<\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Mikromoliyaviy xizmatlarning asosiy qismi (99,5%) milliy valyutada ko\u2018rsatilmoqda. Eng ko\u2018p kreditlar Toshkent shahriga (bozorning 66 foizi), Xorazm va Qoraqalpog\u2018istonga to\u2018g\u2018ri keladi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-yilning birinchi yarmi yakunlariga ko\u2018ra, O\u2018zbekistonda mikromoliyaviy xizmatlar hajmi 66,9 trillion so\u2018mga yetdi, bu bir yil oldingiga nisbatan 1,9 barobar ko\u2018pdir.<\/p>\n","protected":false},"author":4,"featured_media":8085,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[2088,628,2087,760,1021],"class_list":["post-8101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-agrobank-uz","tag-mb","tag-mikromoliya","tag-finansy-uz","tag-tbc-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\u2018zbekiston mikromoliya bozori yarim yil ichida ikki baravarga oshdi &#8212; 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