Ruzimamatovich, N.A. , Rikhsiboyevich, T.I. , Yunusovich, N.A. , Ravshanovna, B.N. and qizi, Y.S.S. 2021. Improvement of Bank Credits through the Point System "Model of Loaning Process". Academic Journal of Digital Economics and Stability. 10, (Oct. 2021), 1–6. DOI:https://doi.org/10.51699/ajdes.v10i.333.