“Bank xodimlarining malakaviy kompetentsiyalarini bankning moliyaviy ko‘rsatkichlariga ta’sirini baholash yo‘llari”, JSIRU, vol. 2, no. 10, pp. 464–475, Oct. 2024, Accessed: Jun. 18, 2026. [Online]. Available: https://www.universalpublishings.com/index.php/jsiru/article/view/7603