KHOLIYOROVA, Shokhista; BARNOQULOVA, Marjona. THE LENDING SYSTEM IN COMMERCIAL BANKS AND THE CAUSES OF NON-PERFORMING LOANS. Innovation Science and Technology, [S. l.], v. 1, n. 12, 2025. DOI: 10.5281/zenodo.18442040. Disponível em: https://ist-journal.uz/index.php/IST/article/view/550. Acesso em: 1 may. 2026.