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American Journal of Economics and Business Management 13 Feb 2026

Econometric Analysis of Lending to Small Businesses in Commercial Banks

Isomiddin ugli, Asrorov Azizbek
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This study conducts an econometric analysis of the factors influencing the volume of loans allocated to small business entities by commercial banks, using Uzbekistan as a case study. The research is based on monthly time-series data covering the period from 2020 to 2024 and applies the au…
American Journal of Economics and Business Management 13 Feb 2026

Assessing Financial Sustainability of Uzbekistan’s Electricity Sector

Naubetova Ziyada Niyet kizi
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This study analyzes the financial sustainability of the electricity sector in the Republic of Uzbekistan following major reforms after 2019 year, using 2029-2024 annual financial reports. The research evaluates financial performance of four companies in energy sector: “Thermal Power Plant…
American Journal of Economics and Business Management 11 Feb 2026

Increasing The Efficiency of Special Economic Zones by Attracting Investments

Ergashev, Olim
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. The article extensively discusses the importance of special economic zones, which play an important role in the economic and social development of Uzbekistan, in attracting investments to the economy. Scientifically based practical proposals have been developed to increase the efficiency …
American Journal of Economics and Business Management 11 Feb 2026

Economic-Statistical Model for Predicting Internal Audit Effectiveness in Service Enterprises

Shavkat o'g'li, Xamidov Javoxir
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This study aims to develop an economic and statistical model for forecasting the effectiveness of internal audit in service sector enterprises. The research examines the relationship between key internal audit indicators and overall organizational performance using econometric and statist…
American Journal of Economics and Business Management 11 Feb 2026

Improving The Effectiveness of The Mahalla Institution in The Territorial Governance System: Modernization of Institutional and Organizational Mechanisms

Farrux, Mirbabayev
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This article examines the role of the mahalla institution in the territorial governance system and explores ways to improve its effectiveness through the modernization of institutional and organizational mechanisms. The paper identifies the existing structural and functional problems exis…
American Journal of Economics and Business Management 11 Feb 2026

Artificial Intelligence As A Driver of Growth and Erosion of Human Capital

Rakhmatovna, Djulmatova Svetlana
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. The paper examines how artificial intelligence (AI) affects human capital by disentangling the mechanisms through which AI can both reinforce and erase it. The main objective is to identify and systematize the channels of AI's impact on human capital and to assess their relevance for tran…
American Journal of Economics and Business Management 12 Feb 2026

Advantages and Disadvantages of the Audit Method Based on Life Stage Analysis

Dzhamaldinovich, Muydinov Erkin
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. Abstract: In contemporary economic conditions, enterprises operate as open socio-economic systems characterized by uneven, stage-based development, making the concept of the enterprise life cycle essential for understanding business dynamics, particularly in small and medium-sized enterpr…
American Journal of Economics and Business Management 10 Feb 2026

Youth Entrepreneurship Development: The Role of Sustainability and Innovative Mechanisms

Feruza Azimovna Rakhmatullaeva
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This article analyzes aspects of youth entrepreneurship development in Andijan region during 2018–2030 in relation to sustainability and innovative mechanisms. The study presents growth rates and sustainable development forecasts based on statistical data in the service, construction, lig…
American Journal of Economics and Business Management 10 Feb 2026

Improvement of Financial Indicators Statistics

Yahyoyev Bahriddinxon Bahroil o‘g‘li, Babanazarova Sevara Abdinazarovna
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This paper is a comprehensive analysis of the state of statistics on financial indicators in Uzbekistan, improvement and eliminate existing challenges consistent with modern requirements. It is based on the scientific and theoretical study of the genesis, level of relevance and openness o…
American Journal of Economics and Business Management 06 Feb 2026

Interrelation Between the Internal Control System and the Financial Stability of the Enterprise

Ulugʻbek, Mexmonaliyev
ISSN 2576-5973 Vol. 9 · No. 2 DOI
Abstrak. This article provides a theoretical and practical analysis of the relationship between the internal control system (ICS) and the financial stability of the enterprise. The object of the study is a comprehensive analysis of the financial statements of NEW RETAIL TRADE MARKET LLC for the pe…