ISLOM MOLIYASI INSTRUMENTLARINI O‘ZBEKISTONDAGI UY JOY QURILISHI LOYIHALARINI MOLIYALASHTIRISHDA QO‘LLASH ISTIQBOLLARI
Keywords:
Islom moliyasi, qurilish loyihalari, ipoteka kreditlari, Murabaha, Ijara, Musharaka, AAOIFI standartlari, O‘zmilliybank.Abstract
Bugungi kunda Islom moliyasi zamonaviy moliya tizimining barqaror rivojlanish
tamoyillariga mos keluvchi muhim yo‘nalishlaridan hisoblanadi. Ushbu maqolada
O‘zbekistonda uy-joy qurilishi loyihalarini moliyalashtirishda islom moliyasi
instrumentlarining huquqiy asoslari va amaliy qo‘llanilishi tahlil qilinadi. Tadqiqotda
huquqiy bazaning bosqichma-bosqich rivojlanishi, jumladan mikromoliyalashni
tartibga soluvchi hujjatlarning qabul qilinishi hamda AAOIFI standartlariga
moslashtirish jarayonlari yoritilgan. 2019–2025-yillardagi statistik ma’lumotlardan
foydalanib, ipoteka bozorining dinamikasi tahlil qilinadi. Murabaha, Ijara,
Musharaka hamda Istisna kabi shariatga muvofiq instrumentlarning moliyaviy
inklyuzivlik va ijtimoiy farovonlikni oshirishdagi imkoniyatlari baholanadi. Natijalar
shuni ko‘rsatadiki, islomiy ipoteka mahsulotlari bank portfelini sezilarli darajada
kengaytirishi hamda arzon uy-joy dasturlarini qo‘llab-quvvatlashi mumkin.
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