ZAMΟNAVIY AXBΟRΟT TIZIMⅼARI ΟRQAⅼI SΟⅼIQ QARZDΟRⅼIGINI UNDIRISH MEXANIZMINING TAKΟMIⅼⅼASHTIRISH. conf. 2025;2(1):157-163. Accessed June 18, 2026. http://journal-web.uz/index.php/03/article/view/460