MARKAZIY OSIYO MAMLAKATLARI TAJRIBASI ASOSIDA O‘ZBEKISTONDA TAKAFUL SUG‘URTASINI TARTIBGA SOLISH MEXANIZMLARINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.22538438Abstract
Maqolada Markaziy Osiyoning besh davlati — Qozog‘iston, Qirg‘iziston, Tojikiston,
Turkmaniston va O‘zbekiston — qonunchiligi qiyosiy-huquqiy tahlil qilinib, O‘zbekistonda takaful sug‘urtasini
tartibga solish mexanizmlarini takomillashtirish yo‘llari asoslab berilgan. Tadqiqotda muallif tomonidan Takafulni
tartibga solish tayyorligi indeksi (TTSI) metodikasi ishlab chiqilgan bo‘lib, u olti mezon bo‘yicha besh darajali
(0–4) ekspert shkalasiga asoslanadi. Hisob-kitob natijalariga ko‘ra, 2026-yil holatiga Qirg‘iziston 79,2 ball bilan
mintaqada yetakchilik qilmoqda, Qozog‘iston 41,7 ball, O‘zbekiston esa atigi 12,5 ball to‘plagan. O‘zbekistonda
2026-yil 27-martdagi O‘RQ-1126-son Qonun orqali islom bank faoliyatining huquqiy maydoni muvaffaqiyatli
yaratilishi barobarida, ushbu tajribani sug‘urta sohasiga ham tatbiq etish hamda «Sug‘urta faoliyati to‘g‘risida»gi
O‘RQ-730-son Qonunga takaful tushunchasini kiritish zarurati mavjud. Maqolada IFSB-27, IFSB-28 va IFSB-31
standartlariga tayangan holda bo‘shliqlar tahlili amalga oshirilgan hamda uch bosqichli tartibga solish yo‘l
xaritasi taklif etilgan; uni izchil amalga oshirish TTSI ko‘rsatkichini 87,5 ballga yetkazish imkonini beradi.
Keywords
takaful, islom sug‘urtasi, tartibga solish, qiyosiy huquqshunoslik, Markaziy Osiyo, islom moliyasi boshqaruvi, IFSB-27, islomiy «oyna», to‘lov qobiliyati, O‘zbekiston.References
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