“BANKLARNI TRANSFORMATSIYALASH SHAROITIDA KREDIT PORTFELINING SIFATINI OSHIRISH YO’LLARI. Journal of Universal Science Research, [S. l.], v. 3, n. 12, p. 232–237, 2025. DOI: 10.66301/jusr.v3i12.15250. Disponível em: https://universalpublishings.com/index.php/jusr/article/view/15250. Acesso em: 12 nov. 2026.