Trends of Allocation of Retail Loans by Commercial Banks


  • Umarov A. A. Independent researcher of the Academy of Banking and Finance of the Republic of Uzbekistan



Individuals, microcredit, credit, transformation, financial dependence


The article analyzes the trends in the distribution of retail loans by commercial banks, identifies problems in this direction, and presents practical suggestions and recommendations for their improvement.


Central Bank of the Republic of Uzbekistan. Information on the main indicators of the activity of commercial banks as of January 1, 2023.

Kulliev I.Ya. Issues of improving the evaluation of the effectiveness of retail lending practices of commercial banks of the Republic of Uzbekistan / "International Finance and Accounting" electronic journal, №2. 2023Ўзбекистон Республикаси Марказий банкининг йиллик ҳисоботлари асосида муаллиф ҳисоб-китоблари (

Decree of the President of the Republic of Uzbekistan dated May 12, 2020 No. PF-5992 "On the strategy of reforming the banking system of the Republic of Uzbekistan for 2020-2025" // National database of legal documents, 13.05.2020, 10.06.2022. , No. 06/22/152/0507.

Zhumaev N.Kh., Nurmuratov A.M. (2019) The main directions of modernization of the currency regulation system in Uzbekistan in the context of economic liberalization // Innovative scientific research in the modern world: theory, methodology, practice Ufa, May 6, 2019. (pp.80-89).

“A collection of materials of the republic-wide scientific-practical conference dedicated to "Effective ways to improve the banking system reform and stability" / - T.: Iqtisod-Moliya, 2018. ISBN 978-9943-13-719-2




How to Cite

A. A. , U. . (2024). Trends of Allocation of Retail Loans by Commercial Banks. Academic Journal of Digital Economics and Stability, 37(1), 11–18.