THE IMPACT OF DEMOGRAPHIC CHANGES ON BANK LENDING STRATEGIES
DOI:
https://doi.org/10.5281/zenodo.18933290Ключевые слова:
demographic changes, lending policy, population ageing, youth and loans, rural lending, financial inclusion, digital credit, financial literacy, Central AsiaАннотация
This article examines how changes in population composition affect banking operations and lending strategies
in Uzbekistan. Various borrower groups are considered — youth, middle-aged individuals, pensioners, rural residents,
and labor migrants. For each group, the study analyzes their habits, risks, and the products they actually need. Special
attention is given to countries with young populations, where access to digital loans is growing faster than financial literacy.
The article concludes with practical recommendations grounded in concrete examples rather than abstract theory
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