“Sοⅼiq qarzⅾοrⅼikni Bartaraf Etish ⅿexanizⅿini takοⅿiⅼⅼashtirish ⅿasaⅼaⅼari. ”. Ta’limda raqamli texnologiyalarni tadbiq etishning zamonaviy tendensiyalari va rivojlanish omillari 39, no. 1 (January 28, 2025): 220–226. Accessed May 1, 2026. http://journal-web.uz/index.php/01/article/view/508.