“KREDIT-MODUL TIZIMIDA MUSTAQIL TA’LIMNING O‘ZIGA XOS XUSUSIYATLARI ”, ITFTTDM, vol. 4, no. 10, pp. 74–80, Oct. 2026, Accessed: Oct. 17, 2026. [Online]. Available: https://www.universalpublishings.com/index.php/itfttdm/article/view/20896