“KREDIT-MODUL TIZIMI SHAROITIDA TALABALARGA TA’LIM XIZMATLARI KO‘RSATISHNI TAKOMILLASHTIRISH IMKONIYATLARI”, YO’TIGF, vol. 4, no. 01, pp. 10–13, Feb. 2026, Accessed: May 18, 2026. [Online]. Available: https://universalpublishings.com/index.php/gumanitar/article/view/16605