“TIJORAT BANKLARIDA MUAMMOLI KREDITLARNI BOSHQARISH TIZIMINI TAKOMILLASHTIRISHNING NAZARIY ASOSLARI”. "Conference on Universal Science Research 2023", vol. 4, no. 2, Mar. 2026, pp. 116-23, https://universalpublishings.com/index.php/cusr/article/view/16931.