MICROPROJECTS AS A MEANS OF INCREASING THE FINANCIAL ACTIVITY AND LITERACY OF THE POPULATION
DOI:
https://doi.org/10.5281/zenodo.20138114Keywords:
microproject, financial literacy, financial activity, financial policy, mahalla, bank loan, own funds, employment, entrepreneurship, financial inclusion, digital monitoring.Abstract
This article examines microprojects as a practical tool for enhancing the financial activity and
financial literacy of the population. Microprojects are analyzed as a mechanism for developing citizens’ skills in
planning personal and household finances, making rational use of bank loans and their own financial resources,
launching income-generating activities, fulfilling credit obligations, and using digital financial services. Based
on data on microprojects implemented across the Republic of Uzbekistan, the study evaluates their regional
distribution, financing structure, role in job creation, and impact on financial literacy. The findings indicate
that microprojects serve as an important institutional instrument for strengthening citizens’ economic initiative,
promoting conscious financial decision-making, and developing a culture of using banking services.
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