FINANCING OF SMALL BUSINESSES THROUGH INVESTMENT LOANS BY COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.18933511Keywords:
small business development, investment loans of commercial banks, financing methodology, credit policy, loan guarantees, economic potential of the banking system, microcredit mechanisms, financial support instruments, efficient use of credit resources, interest rate dynamics, innovative financing approaches.Abstract
This article provides an in-depth analysis of the current state, existing problems, and prospects for improving
the financing of small business entities one of the key drivers of Uzbekistan’s economic development—through
investment loans issued by commercial banks. The study examines the economic potential of small businesses, their
sectoral distribution, the banking methodologies used in financing investment projects, and the credit policies adopted by
commercial banks. Furthermore, the experience of «Mikrokreditbank», «Agrobank», «Xalq Bank» and «Ipak Yo‘li Bank»
in supporting small businesses through investment lending is analyzed comparatively, identifying existing shortcomings in
lending mechanisms. The research is based on scientific, statistical, and practical sources and offers recommendations
aimed at increasing the effectiveness of investment loans and strengthening the role of commercial banks in financially
supporting small business entities.
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