Jo‘rayev Umidjon Shuxratjon o‘g‘li. BANK SEKTORINING DOLZARB MUAMMOLARINI HAL ETISHNING O‘ZIGA XOS YO‘LLARI. journal. 2025;86(1):75-78. Accessed November 22, 2025. https://journalss.org/index.php/new/article/view/2019