“KICHIK BIZNESNI KREDITLASH TIZIMINING MAZMUNI VA UNING TARKIBIY QISMLARI” (2024) Journal of Universal Science Research, 2(6), pp. 461–481. Available at: http://universalpublishings.com/index.php/jusr/article/view/6505 (Accessed: 18 May 2026).