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No. 11 (2025)
Marketing

Articles

SCIENTIFIC-METHODICAL APPROACHES TO ASSESSING THE LEVEL OF FINANCIAL INCLUSION BY REGION

Published 2025-11-29

Authors
Adashaliyev Baxtiyorjon Valisher oʻgʻli
Affiliation
Senior lecturer of the "Accounting" department of Tashkent State University of Economics, Ph.D
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Abstract

This article analyzes the scientific and methodological foundations for assessing the level of financial inclusion across regions. The study explores modern methodological approaches to calculating the financial inclusion index, including the construction of a multidimensional index, principal component analysis (PCA), and the integration of digital financial services. The article examines the applicability of methodologies developed by the World Bank, the International Monetary Fund, and other internationa l organizations within regional contexts. The analysis reveals that a comprehensive approach combining access, usage, and quality dimensions provides effective results in evaluating the level of financial inclusion. 646

Keywords

financial inclusion, index methodology, regional analysis, principal component analysis, digital financial services, developing countries

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