KICHIK BIZNES SUBYEKTLARINING YOPILISH XAVFINI BAHOLASH: OMILLI TAHLIL
DOI:
https://doi.org/10.5281/zenodo.22234749Abstract
Kichik biznes subyektlarining yopilish xavfi ga ta’sir etuvchi asosiy omillarni aniqlash va
ularning xavf darajasiga ta’sirini statistik jihatdan baholash masalalari tadqiq etilgan. Tadqiqot doirasida kichik
biznes subyektlarining moliyaviy holati, tushumlar dinamikasi, rentabellik darajasi, qarz yuki, kredit resurslaridan
foydalanish imkoniyati, soliq yuki, mehnat resurslari hamda bozordagi faollik kabi omillarning korxona faoliyatini
davom ettirish ehtimoliga ta’siri tahlil qilingan. Kichik biznes subyektlarining yopilish xavfi ni oldindan baholash
asosida moliyaviy qiyinchiliklarga duch kelishi mumkin bo‘lgan subyektlarni erta aniqlash va ularga nisbatan
maqsadli qo‘llab-quvvatlash choralarini ishlab chiqish imkoniyatlari asoslangan. Tadqiqot natijalari kichik biznes
subyektlarining moliyaviy barqarorligini ta’minlash, bank kreditlash amaliyotida risklarni baholash hamda kichik
tadbirkorlikni davlat tomonidan qo‘llab-quvvatlash siyosatini takomillashtirishda amaliy ahamiyatga ega
Keywords
kichik biznes, tadbirkorlik subyektlari, yopilish xavfi , omilli tahlil, moliyaviy barqarorlik, risk, rentabellik, qarz yuki.References
1. Altman, E. I. Financial ratios, discriminant analysis and the prediction of corporate bankruptcy / E. I. Altman
// The Journal of Finance. – 1968. – Vol. 23, No. 4. – P. 589–609.
2. Ohlson, J. A. Financial ratios and the probabilistic prediction of bankruptcy / J. A. Ohlson // Journal of
Accounting Research. – 1980. – Vol. 18, No. 1. – P. 109–131.
3. Beaver, W. H. Financial ratios as predictors of failure / W. H. Beaver // Journal of Accounting Research. –
1966. – Vol. 4. – Empirical Research in Accounting: Selected Studies. – P. 71–111.
4. Shumway, T. Forecasting bankruptcy more accurately: A simple hazard model / T. Shumway // The Journal
of Business. – 2001. – Vol. 74, No. 1. – P. 101–124.
5. Cox, D. R. Regression models and life-tables / D. R. Cox // Journal of the Royal Statistical Society: Series
B (Methodological). – 1972. – Vol. 34, No. 2. – P. 187–220.
6. Wooldridge, J. M. Introductory Econometrics: A Modern Approach / J. M. Wooldridge. – 7th ed. – Boston:
Cengage Learning, 2020.
7. Gujarati, D. N. Basic Econometrics / D. N. Gujarati, D. C. Porter. – 5th ed. – New York: McGraw-Hill, 2009.
8. Hair, J. F. Multivariate Data Analysis / J. F. Hair, W. C. Black, B. J. Babin, R. E. Anderson. – 8th ed. –
Cengage, 2019.
9. Hosmer, D. W. Applied Logistic Regression / D. W. Hosmer, S. Lemeshow, R. X. Sturdivant. – 3rd ed. –
Hoboken: Wiley, 2013.
10. O‘zbekiston Respublikasi Milliy statistika qo‘mitasi [Elektron resurs]. – URL: https://stat.uz/
11. O‘zbekiston Respublikasi Markaziy banki [Elektron resurs]. – URL: https://cbu.uz/
12. OECD. Financing SMEs and Entrepreneurs 2024: An OECD Scoreboard. – Paris: OECD Publishing, 2024.
13. World Bank. Small and Medium Enterprises (SMEs) Finance. – Washington, DC: World Bank.
14. European Commission. Annual Report on European SMEs. – Brussels: European Commission.
15. International Monetary Fund. Financial Soundness Indicators Guide. – Washington, DC: IMF.
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.


