“BANKLARNI TRANSFORMATSIYALASH SHAROITIDA KREDIT PORTFELINING SIFATINI OSHIRISH YO’LLARI. JUSR [Internet]. 2025 Dec. 15 [cited 2026 May 18];3(12):232-7. Available from: http://universalpublishings.com/index.php/jusr/article/view/15250