KICHIK KORXONALAR UCHUN KREDIT SIYOSATINI TAKOMILLASHTIRISH ORQALI MOLIYAVIY BARQARORLIKNI MUSTAHKAMLASH. YO’TIGF. 2025;3(8):11-14. Accessed November 10, 2026. https://www.universalpublishings.com/index.php/gumanitar/article/view/13409