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No. 8 (2026)
Marketing

Scientific articles

OʻZBEKISTONDA JISMONIY SHAXSLARNI KREDITLASH HOLATI VA TENDENSIYALARI

DOI 10.67668/mj/2026iss8/2190 Pages 634-642

Published 2026-08-30

Authors
Bobojonova Sevara Baxrombek qizi
Affiliation
Tashkent Xalqaro universiteti
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Abstract

The article examined lending to individuals in Uzbekistan from early 2020 to September 2026. Central Bank statistics supported calculations of portfolio shares, nominal growth rates, and product contributions to portfolio expansion. Bank specialization, regional distribution, and borrowers’ repayment capacity were compared. The growing role of individual lending was identified alongside differences across products and banks. Classification changes and the distinction between outstanding balances and new disbursements were emphasized. Recommendations addressed product monitoring, comprehensive debt burden assessment, and regional service development. The descriptive comparative study did not estimate regulatory causal effects. Findings supported aligning lending practices with bank strategies and borrowers’ repayment capacity.

Keywords

lending to individuals, retail lending, loan portfolio, structural changes, bank specialization, mortgages, microloans, debt burden, regional distribution

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