Tel: +998977838464
Search

Son 3 (2026)
Marketing

Articles

MOLIYAVIY TASHKILOTLARDA INSON KAPITALIDAN SAMARALIFOYDALANISH IMKONIYATLARI

Nashr etilgan 2026-04-01

Mualliflar
Dilmurodova Sevara Ziyodullo qizi
pdf Google Scholar Google Scholar

Annotatsiya

Ushbu maqolada moliyaviy tashkilotlarda inson kapitalidan samarali foydalanish
imkoniyatlari ilmiy asosda tahlil qilingan. Tadqiqot maqsadi - rivojlangan va
rivojlanayotgan mamlakatlardagi bank va moliya sektorida inson kapitalini
boshqarishning zamonaviy yondashuvlarini qiyosiy tahlil qilish va Oʻzbekiston
moliyaviy tashkilotlari uchun ilmiy asoslangan tavsiyalar ishlab chiqishdan iborat.
Tadqiqotda empirik va miqdoriy usullar, shu jumladan korrelyatsion-regressiya tahlili,
ekspert baholash va benchmarking metodologiyasidan foydalanilgan. Natijalar shuni
koʻrsatadiki, inson kapitaliga yoʻnaltirilgan investitsiyalar moliyaviy tashkilotlarning
samaradorligini oʻrtacha 23-31% ga oshiradi. Oʻzbekiston bank sektorida inson
kapitali boshqaruvining asosiy muammolari aniqlangan: kadrlar aylanmasi yuqori
darajasi (34,7%), raqamli kompetensiyalar yetishmasligi (67% xodimlarda), strategik
kadrlar rejalashtirish tizimining zaifligi. Tadqiqot natijalari Oʻzbekistondagi moliyaviy
tashkilotlar uchun inson kapitalini rivojlantirishning integrativ modelini taklif etadi.

Kalit so'zlar

inson kapitali; moliyaviy tashkilotlar; bank sektori; kadrlar boshqaruvi; raqamli kompetensiya; Oʻzbekiston iqtisodiyoti; investitsiya samaradorligi; bilim iqtisodiyoti.

Adabiyotlar ro'yxati

  1. 1. Becker, G.S. (1964). Human Capital: A Theoretical and Empirical Analysis
  2. with Special Reference to Education. Columbia University Press, New York.
  3. 2. Cho, Y., & Lee, J. (2021). Human Capital Components and Financial
  4. Performance in Korean Banking Sector. Journal of Asian Finance, Economics and Business, 8(4), 201-212.
  5. 3. Deloitte. (2022). The Future Banker: Digital Competencies and Human Capital
  6. in Financial Services. Deloitte Insights.
  7. 4. European Central Bank. (2021). Human Capital Investment and Bank
  8. Efficiency: Evidence from the Eurozone. ECB Working Paper No. 2548.
  9. 5. Horton, K.E., & Sherblom, J.C. (2020). Human Capital and Organizational
  10. Performance in the US Banking Industry: A Meta-Analysis. Journal of Finance and Accounting, 12(3), 45-67.
  11. 6. International Monetary Fund. (2023). Uzbekistan: 2023 Article IV
  12. Consultation - Staff Report. IMF Country Report No. 23/261.
  13. 7. Lucas, R.E. (1988). On the Mechanics of Economic Development. Journal of
  14. Monetary Economics, 22(1), 3-42.
  15. 8. McKinsey Global Institute. (2022). Digital Talent and Human Capital in
  16. Banking: Global Perspectives. McKinsey & Company, New York.
  17. 9. McKinsey Global Institute. (2023). The Future of Work in Finance: Human
  18. Capital in Transition. McKinsey & Company.
  19. 10. Mincer, J. (1974). Schooling, Experience, and Earnings. Columbia University
  20. Press, New York.
  21. 11. Pfeffer, J. (1998). The Human Equation: Building Profits by Putting People
  22. First. Harvard Business School Press, Boston.
  23. 12. Philips, J.J. (1997). Return on Investment in Training and Performance
  24. Improvement Programs. Gulf Publishing, Houston.
  25. 13. Romer, P.M. (1990). Endogenous Technological Change. Journal of Political
  26. Economy, 98(5), 71-102.
  27. 14. Saaty, T.L. (1980). The Analytic Hierarchy Process. McGraw-Hill, New
  28. York.
  29. 15. Schultz, T.W. (1961). Investment in Human Capital. The American Economic
  30. Review, 51(1), 1-17.
  31. 16. World Bank. (2022). Human Capital Index 2022: Country Profiles and
  32. Technical Documentation. World Bank Group, Washington DC.
  33. 17. World Economic Forum. (2023). The Future of Jobs Report 2023. WEF,
  34. Geneva.

Yuklab olishlar

Yuklab olish ma’lumotlari hali mavjud emas.