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ZENODO
Published
2025-08-31
Section
Articles
How to Cite
How to Cite
IPOTEKA-BANK FAOLIYATINING KAMBAG‘ALLIKNI QISQARTIRISHDAGI O‘RNI: IMTIYOZLI KREDITLAR MISOLIDA TAHLIL
Namozov Sadulla
Oʻzbekiston Respublikasi Bank-Moliya Akademiyasi magistranti
Sh. Sherjonov
Ilmiy rahbar: Maʼmun universiteti dotsenti
Keywords: Ipoteka-Bank, poverty reduction, preferential loans, social financing, sustainable development, income, employment, OTP Group.
Abstract
This article analyzes the significance of commercial banks, particularly Ipoteka-Bank, in reducing poverty in the Republic of Uzbekistan. The study examines the bank’s social functions and its contribution to sustainable development through the example of preferential loans granted to low-income families during the period 2021–2023. Based on statistical data, the article evaluates the role of preferential loans in increasing household income, ensuring employment, and promoting the development of small entrepreneurship. The research employs analytical, comparative, and document review methods. The findings indicate that the social financing mechanisms implemented by Ipoteka-Bank have a significant impact on Uzbekistan’s sustainable economic development and the ongoing process of poverty reduction.
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