O‘ZBEKISTONDA OILAVIY TAKAFULNI JORIY ETISH: HUQUQIY ASOSLAR, MINTAQAVIY TAJRIBA VA AMALGA OSHIRISH YO‘LLARI
Keywords:
Kalit so‘zlar: oilaviy takaful, islom sug‘urtasi, islom bank faoliyati, moliyaviy inklyuzivlik, O‘zbekiston, Qirg‘iziston, Markaziy Osiyo, shariat, mutuallik tamoyili, regulyatorlik.Abstract
ANNOTATSIYA
Ushbu maqola O‘zbekistonda oilaviy takaful sug‘urta tizimini joriy etishning
huquqiy, iqtisodiy va diniy-axloqiy asoslarini kompleks tarzda tahlil etadi. Tadqiqotda
2026-yil 27-martda qabul qilingan O‘zbekiston Respublikasining O‘RQ-son "Islom
bank faoliyati to‘g‘risida"gi qonuni va unga hamroh bo‘lgan me'yoriy hujjatlar,
Markaziy bank tomonidan 2024-yil 26-iyulda tasdiqlangan 3536-son Nizom tahlil
qilinadi. Qo‘shni mamlakatlar — Qirg‘iziston, Qozog‘iston va boshqa Markaziy Osiyo
davlatlarining takaful sohasidagi qonunchilik tajribasi qiyosiy huquqiy tahlil asosida
o‘rganiladi. BMTning 2024-yil dekabrdagi Toshkentdagi takaful bo‘yicha «yumaloq
stol» sеssiyasi natijalari va 2025-yildagi amaliy tayyorlov treninglari maqolaning
empirik asosini tashkil etadi. Tadqiqot shuni ko‘rsatadiki, aholining 68 foizi an’anaviy
bank xizmatlaridan diniy e'tiqod sababli foydalanmasligini inobatga olgan holda,
oilaviy takaful O‘zbekiston moliya bozorida muhim bo‘shliqni to‘ldirishi va moliyaviy
inklyuzivlikni sezilarli darajada oshirishi mumkin. Maqolada oilaviy takafulni joriy
etish uchun zarur bo‘lgan minimal qonunchilik bazasi, shariatga mos boshqaruv tizimi
va regulyatorlik modeli taklif etiladi.
References
FOYDALANILGAN ADABIYOTLAR RO‘YXATI
1. AAOIFI. (2023). Shari'a Standard No. 26: Islamic Insurance (Takaful).
Manama: Accounting and Auditing Organization for Islamic Financial
Institutions.
2. Alshammari, A. A., Altwijry, O., & Abdul-Wahab, A. (2024). Takaful:
Chronology of establishment in 47 countries. PSU Research Review: An
International Journal, 8(3), 671–705. https://doi.org/10.1108/PRR-09-2021-
0042
3. Asia Plus. (2019). Tajik central bank grants license to the first full-fledged
Islamic bank in Tajikistan. Dushanbe.
4. Central Bank of Azerbaijan. (2026). Islamic Finance Reform Package and
Regulatory Framework Development. Baku.
5. Eurasian Development Bank. (2025). Islamic Finance in Central Asia: Growth
Outlook and Development Prospects. Almaty.
6. Fitch Ratings. (2026). GCC Backing and Regulatory Reforms Driving Central
Asia's Islamic Finance Growth. Retrieved from https://www.fitchratings.com
7. Fitch Ratings. (2026). Prospects for Islamic Finance Development in Central
Asia and Azerbaijan. London.
8. Global Growth Insights. (2026). Which Are the Top 10 Takaful (Islamic
Insurance) Companies in 2026? Retrieved from
https://www.globalgrowthinsights.com/blog/takaful-islamic-insurance-
companies-1075
9. Islamic Financial Services Board (IFSB). (2023). Islamic Financial Services
Industry Stability Report 2023. Kuala Lumpur: IFSB.
10. Mavsiyya, K., et al. (2021). Family Takaful products: A comparative study of
Malaysia and Indonesia. Journal of Islamic Accounting and Business Research,
12(4), 556–572.
11. Moody’s Investors Service. (2025). Islamic Banking Windows to Launch in
Azerbaijan in 2026. New York.
12. Mughal, Z. (2023). Islamic Finance is Growing Tremendously in Central Asia.
Financial IT.
13. National Bank of Tajikistan. (2019). National Bank of Tajikistan has issued a
license to the first Islamic bank in Tajikistan – OJSC Tavhidbank. Dushanbe.
14. O‘zbekiston Respublikasi. (2026, 27-mart). «Islom bank faoliyati to‘g‘risida»gi
O‘RQ-son Qonun. Toshkent.
15. O‘zbekiston Respublikasi Markaziy banki. (2024, 26-iyul). Mikrofinans
tashkilotlari tomonidan islom moliyalashtirish xizmatlarini ko‘rsatish tartibi
to‘g‘risidagi Nizom (3536-son). Toshkent.
16. Qirg‘iziston Respublikasi. (2024, 29-aprel). «Sug‘urta va sug‘urta faoliyati
to‘g‘risida»gi Qonunning yangi tahriri. Bishkek.
17. Qirg‘iziston Respublikasi Hukumati. (2026, mart). Islom (takaful), majburiy va
annuitet sug‘urtasiga qo‘yiladigan talablar to‘g‘risidagi qaror. Bishkek.
18. Report.az. (2026). Fitch evaluates prospects for introduction of Islamic finance
in Azerbaijan.
19. Spot.uz. (2025, 16-sentyabr). V Uzbekistane vnedryat islamskuyu bankovskuyu
deyatel'nost'. Retrieved from https://www.spot.uz
20. Spot.uz. (2026, 5-fevral). Senat Uzbekistana odobril proekt zakona ob
islamskom bankinge. Retrieved from https://www.spot.uz
21. UNDP & IsDB. (2023). Insuring a Sustainable Future: Building Climate
Resilience Through Takaful. New York: UNDP.
22. UNDP IRFF. (2024). Takaful: Delivering Financial Resilience to 100 Million
People by 2030. Retrieved from https://irff.undp.org
23. UNDP Uzbekistan. (2024, 6-dekabr). UNDP is opening new avenues for the
Takaful insurance [Press release]. Retrieved from
https://www.undp.org/uzbekistan/press-releases/undp-opening-new-avenues-
takaful-insurance
24. UNDP Uzbekistan. (2025, 1-iyul). Capacity increased in Takaful with the
support of UNDP [Press release]. Retrieved from
https://www.undp.org/uzbekistan/press-releases/capacity-increased-takaful-
support-undp
25. UzDaily. (2026, may). Islamic Finance in Central Asia Poised for Growth
Outlook. Retrieved from https://www.uzdaily.uz
26. World Bank. (2024). Global Findex Database 2024. Washington, D.C.: World
Bank.
27. Zokirov, L. (2024). Takaful bozorini rivojlantirish va minimal zarur qonunchilik
bazasi [Ma'ruza matnlari]. Toshkent: NAPP.
