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Son 9 (2026)
Marketing

Ilmiy maqolalar

KICHIK BIZNES SUBYEKTLARIDA SUNʼIY INTELLEKTDAN FOYDALANISHNING INKLYUZIV IQTISODIY OʻSISHGA TAʼSIR ETUVCHI OMILLARI

DOI 10.67668/mj/2026iss9/2197 Betlar 1021-1030

Nashr qilingan 2026-09-07

Mualliflar
Sodiqova Dilnoza Jumanazarovna
Tashkilot
Tashkent University of Information Technology image/svg+xml
Marketing jurnali — 2026-yil sentabr, 9-son
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Annotatsiya

Maqolada kichik biznes subyektlarida sunʼiy intellektdan foydalanish inklyuziv iqtisodiy oʻsishga qaysi omillar orqali taʼsir koʻrsatishi oʻrganildi. Ayollar va yoshlar bandligi, hududiy qamrov, moliya va bozorlarga kirish, raqamli koʻnikmalar hamda daromad taqsimotini birlashtiruvchi omilli model ishlab chiqildi. Jahon banki, XMT va XTI maʼlumotlari asosida Oʻzbekiston va oltita qiyosiy mamlakat uchun 2024-yil boʻyicha inklyuziv oʻsish omillari indeksi geometrik oʻrtacha usulida hisoblandi. Oʻzbekiston indeksi 0,674 ga teng boʻlib, internet qamrovi va hisob egaligidagi gender paritet eng kuchli tomonlar sifatida ajraldi. Yoshlar inklyuzivligi va moliyaviy kirish asosiy oʻsish zaxirasi ekani aniqlandi: ular tanlanma medianasiga yetganda indeks 0,735 gacha koʻtarilishi hisoblandi. Kichik biznesning aksariyat viloyatlar bandligidagi 72-82 foizlik ulushi sunʼiy intellekt samarasini hududlarga yetkazuvchi kanal sifatida baholandi.

Kalit so'zlar

sunʼiy intellekt, kichik biznes, inklyuziv oʻsish, moliyaviy inklyuziya, yoshlar bandligi, gender paritet, hududiy qamrov, kompozit indeks

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