“BANKLARNI TRANSFORMATSIYALASH SHAROITIDA KREDIT PORTFELINING SIFATINI OSHIRISH YO’LLARI. JUSR [Internet]. 2025 Dec. 15 [cited 2026 Oct. 19];3(12):232-7. Available from: https://www.universalpublishings.com/index.php/jusr/article/view/15250