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AHOLI FAROVONLIGINI OSHIRISHDA KREDIT MABLAG’LARIDAN FOYDALANISHNING ILG’OR XORIJ TAJRIBALARI. TSRU. 2024;2(3):95-102. Accessed May 18, 2026. https://universalpublishings.com/~niverta1/index.php/tsru/article/view/4799