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No. 8 (2026)
Marketing

Scientific articles

KICHIK BIZNES SUBYEKTLARIDA SUNʼIY INTELLEKTGA YOʻNALTIRILGAN INVESTITSIYALARNING QAYTIMINI BAHOLASHNING USLUBIY YONDASHUVLARI

DOI 10.67668/mj/2026iss8/2160

Published 2026-08-30

Authors
Sodiqova Dilnoza Jumanazarovna
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Abstract

Maqolada kichik biznes subyektlarida sunʼiy intellektga yoʻnaltirilgan investitsiyalarning qaytimini baholash usullari qiyosiy oʻrganildi. Axborot texnologiyalarining biznes qiymati nazariyasi, real opsionlar yondashuvi, egalik qilishning umumiy qiymati konsepsiyasi va nomoddiy kapital nazariyasi asosida ROI, NPV, qoplash muddati, TCO, real opsionlar va balanslashtirilgan koʻrsatkichlar tizimining kichik korxonalar uchun afzalliklari hamda cheklovlari tizimlashtirildi. Muallif oʻrganish kechikishini hisobga oluvchi sof joriy qiymat formulasini va nomoddiy naflarni ishonch koeffitsiyenti bilan qoʻshuvchi moslashtirilgan SI-ROI koʻrsatkichini taklif etdi. Markaziy bankning 14 foizli asosiy stavkasi qoʻllanilgan shartli misolda oʻrganish kechikishi anʼanaviy ROI qiymatini 54,5 foizdan 9,9 foizga tushirgani, nomoddiy naflarning qisman hisobga olinishi esa uni 19,7 foizgacha tiklagani koʻrsatildi. Baholash, tajriba loyihasi va kengaytirish bosqichlarini birlashtiruvchi qaror modeli kichik biznesda sunʼiy intellekt loyihalarini asosli tanlash uchun uslubiy asos boʻldi.

Keywords

sunʼiy intellekt, kichik biznes, investitsiya qaytimi, sof joriy qiymat, egalik qilishning umumiy qiymati, real opsionlar, nomoddiy kapital, oʻrganish kechikishi

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