ISLOM MOLIYASI TAMOYILLARINING IQTISODIY SAMARADORLIKNI TA’MINLASHDAGI AHAMIYATI
DOI:
https://doi.org/10.5281/zenodo.21973985Abstract
Mazkur maqolada islom moliyasining asosiy tamoyillari va ularning iqtisodiy mazmuni
tahlil qilinadi. Xususan, riboni, g‘orar va maysirni cheklash, risk va foydani taqsimlash hamda moliyaviy
operatsiyalarning real aktivlar bilan bog‘liqligi kabi tamoyillarning moliyaviy munosabatlarga ta’siri o‘rganiladi.
Tadqiqot natijasida islomiy moliya instrumentlarini faqat islom moliyasiga muvofiqligi yoki an’anaviy moliyaviy
ko‘rsatkichlari asosida emas, balki asosiy tamoyillarning amaliy realizatsiyasi va uning iqtisodiy natijalari
asosida baholash zarurligi asoslanadi. Islom moliyasidagi cheklovlar iqtisodiy faoliyatni cheklaydimi yoki
moliyaviy resurslarni real iqtisodiyotga yo‘naltirish orqali barqaror iqtisodiy o‘sishga xizmat qiladimi, degan
savolga javob beradi va shu maqsadda “tamoyil–instrument–iqtisodiy natija” o‘zaro bog‘liqligiga asoslangan
baholash yondashuvi taklif etiladi.
Keywords
islom moliyasi, islomiy bank xizmatlari, ribo, g‘orar, maysir, risklarni taqsimlash, aktivlarga asoslangan moliyalashtirish, moliyaviy barqarorlik, iqtisodiy samaradorlik, islomiy moliya instrumentlariReferences
1. Safiullah M. Financial stability efficiency of Islamic and conventional banks // Pacific-Basin Finance Journal.
- 2021. - Vol. 68. -Article 101587. - DOI: 10.1016/j.pacfin.2021.101587.
2. Izzeldin M., Johnes J., Ongena S., Pappas V., Tsionas M. Efficiency convergence in Islamic and conventional
banks // Journal of International Financial Markets, Institutions and Money. - 2021. - Vol. 70. - Article
101279. DOI: 10.1016/j.intfin.2020.101279.
3. Surury N.A., Nurwahidin, Nafisah I.A. Comparison of Islamic and Conventional Financial Systems:
Advantages, Disadvantages and Integration Prospects // International Journal of Integrative Research.
2025. - Vol. 3, No. 2. - P. 91-102. - DOI: 10.59890/ijir.v3i2.319.
4. Jumayev A. Islom moliyasining asosiy tamoyillari va O‘zbekistonda tatbiq qilish // Journal of Science-
Innovative Research in Uzbekistan. -2024. Vol. 2, Issue 12.-B. 351-358. - DOI: 10.71337/inlibrary.
uz.journal-science-innovative.62251.
5. Abduqodirova M.A. Leverage in Islamic Finance: Principles, Practice, and Lessons for Uzbekistan
// Academic Research in Modern Science.2025. Vol. 4, No. 34. -P. 68-76. - DOI: 10.71337/inlibrary.
uz.arims.105934.
6. Obidov N. O‘zbekistonda islom moliyasini joriy etishning huquqiy va institutsional asoslari: imkoniyatlar,
muammolar va istiqbollar // Ilg‘or iqtisodiyot va pedagogik texnologiyalar. – 2025.-Vol. 2, Issue 3.-P. 288-
299. -DOI: 10.60078/3060-4842-2025-vol2-iss3-pp288-299.
7. Abdullayev A., Chirmashev A. Islom moliyasini O‘zbekistonda joriy etish tamoyillari // Лучшие
интеллектуальные исследования. - 2025.-Vol. 57, No. 1. – P. 196–205.
8. Sattorov I., Karimov S. O‘zbekistonda islom moliyasi: muammolar va rivojlanish istiqbollari // Green
Economy and Development. -2025. -Vol. 3, No. 12.-DOI: 10.5281/zenodo.17813172.
9. Islamic Financial Services Board (IFSB). Islamic Financial Services Industry Stability Report 2025.-Kuala
Lumpur: Islamic Financial Services Board, 2025.
10. Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Shari’ah Standards. -
Manama, Kingdom of Bahrain: AAOIFI.
11. Islamic Financial Services Board (IFSB). Standards, Guiding Principles and Technical Notes for the Islamic
Financial Services Industry. - Kuala Lumpur: IFSB.
12. World Bank. World Development Indicators. -Washington, D.C.: World Bank. - Elektron statistik ma’lumotlar
bazasi.
13. O‘zbekiston Respublikasi Markaziy banki. Islomiy moliyaning asosiy tamoyillari. -Toshkent: O‘zbekiston
Respublikasi Markaziy bankining moliyaviy savodxonlik axborot-ta’lim resursi.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.
