DJUMANIYAZOV, Ikram Karimbaevich. METHODOLOGY FOR INCREASING THE EFFICIENCY OF CREDIT OPERATIONS IN COMMERCIAL BANKS. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 10, p. 19–26, 2026. Disponível em: https://ist-journal.uz/index.php/IST/article/view/1310. Acesso em: 20 oct. 2026.