“‘BANKLARNI TRANSFORMATSIYALASH SHAROITIDA KREDIT PORTFELINING SIFATINI OSHIRISH YO’LLARI’”, CUSR, vol. 3, no. 9, pp. 15–18, Dec. 2025, Accessed: May 18, 2026. [Online]. Available: https://universalpublishings.com/index.php/cusr/article/view/15362