Ne'matov Sardor Ahror o'g'li (2026) “TIJORAT BANKLARIDA KREDIT SIYOSATINI OPTIMALLASHTIRISH VA KREDITLASH MEXANIZMLARINI TAKOMILLASHTIRISH (ATB «O‘ZSANOATQURILISHBANK» MISOLIDA) ”, Ta’lim innovatsiyasi va integratsiyasi, 63(2), pp. 107–112. Available at: https://journalss.org/index.php/tal/article/view/19715 (Accessed: 7 March 2026).