“GUMODOR QARZLAR BO‘YICHA ZAXIRA SHAKLLANTIRISHNING MOLIYAVIY NATIJALARGA TA’SIRI”, SIAD, vol. 3, no. 01, pp. 344–350, Feb. 2026, Accessed: May 18, 2026. [Online]. Available: https://universalpublishings.com/index.php/siad/article/view/16609