OʻZBEKISTONDA ISLOMIY BANK TIZIMINING RIVOJLANISHI VA ISTIQBOLLARI: IMKONIYATLAR VA MUAMMOLAR

Abstract

Mazkur tezisda O‘zbekistonda islomiy bank tizimining shakllanishi, rivojlanish jarayonlari va istiqbollari ilmiy jihatdan tahlil qilingan. Tadqiqotda islomiy moliyaning nazariy asoslari, uning an’anaviy bank tizimidan farqli jihatlari hamda asosiy moliyaviy instrumentlari yoritilgan. Shuningdek, mamlakatda islomiy bank xizmatlarini joriy etish uchun mavjud imkoniyatlar, jumladan, aholining talab darajasi, investitsiya salohiyati va xalqaro hamkorlik omillari ko‘rib chiqilgan. Shu bilan birga, sohani rivojlantirishga to‘sqinlik qilayotgan muammolar, xususan, huquqiy baza yetarli emasligi, malakali kadrlar tanqisligi va moliyaviy savodxonlik darajasining pastligi tahlil etilgan. Tadqiqot yakunida O‘zbekistonda islomiy bank tizimini rivojlantirish bo‘yicha ilmiy asoslangan taklif va tavsiyalar ishlab chiqilgan.

This thesis analyzes the development, current state, and future prospects of the Islamic banking system in Uzbekistan. The study explores the theoretical foundations of Islamic finance, its key principles, and differences from conventional banking systems, along with major financial instruments. It also examines the existing opportunities for implementing Islamic banking services in the country, including public demand, investment potential, and international cooperation. At the same time, the research identifies key challenges hindering the sector’s growth, such as the lack of a comprehensive legal framework, shortage of qualified specialists, and low level of financial literacy among the population. Based on the findings, practical recommendations and proposals are developed to enhance the development of Islamic banking in Uzbekistan.