Tel: +998903350930
Search

Vol. 12 No. 1 (2025)
Alfraganus University: Proceedings of the Republican Scientific and Practical Conference

Articles

FINTECH-STARTAPLAR ISHTIROKIDA KICHIK BIZNESNI MOLIYALASHTIRISHNING YANGI RAQAMLI MODELLARINI SHAKLLANTIRISH

DOI 10.63294/afucon/vol12iss1/110 Google Scholar Google Scholar Pages 583-588

Published 2025-12-12

Authors
Mirzayev Bobur Soyibjonovich
Affiliation
Alfraganus University image/svg+xml
PDF (Uzbek)

Abstract

Maqolada fintech-startaplar ishtirokida kichik biznesni moliyalashtirishning yangi raqamli modellarini shakllantirish masalasi yoritiladi. Crowdfunding, p2p kreditlash, invoice financing va raqamli platformalarga asoslangan ta’minot zanjiri moliyasi mexanizmlari batafsil tahlil qilinadi. Raqamli kredit skoringi, open banking, real vaqt monitoringi orqali tranzaksiya xarajatlari, kredit riski va moliyaviy inklyuziyani optimallashtirishga qaratilgan institutsional, huquqiy va amaliy takliflar ishlab chiqiladi. Tahlillar O‘zbekiston sharoitidagi amaldagi islohotlar bilan bog‘lanadi.

References

  1. ro‘yhati
  2. Sharma, S. K., Ilavarasan, P. V., & Karanasios, S. Small Businesses and FinTech: A Systematic Review and Future Directions. – Electronic Commerce Research, 2024, Vol. 24. – P. 535–575
  3. Verma, S., Shome, S., & Hassan, M. K. FinTech in Small and Medium Enterprises (SMEs): A Review and Future Research Agenda. – European Management Journal, 2023, Vol. 41, No. 6. – P. 950–971
  4. Fenwick, M., McCahery, J. A., & Vermeulen, E. P. M. Fintech and the Financing of Entrepreneurs. – ECGI Law Working Paper No. 369/2017. – Brussels: European Corporate Governance Institute, 2017
  5. World Bank. Fintech and SME Finance: Expanding Responsible Access. – Washington, DC: World Bank, 2022. – (Fintech and the Future of Finance Technical Note)
  6. World Bank. Technology and Digitization in Supply Chain Finance: A Handbook for MSMEs. – Washington, DC: World Bank, 2021. – 120 p
  7. Van Wersch, C. L. Fintechs and Supply Chain Financing. – IMF Working Paper WP/19/165. – Washington, DC: International Monetary Fund, 2019. – 30 p
  8. Rabbani, M. R., et al. What Do We Know about Crowdfunding and P2P Lending? A Comprehensive Review. – Journal of Risk and Financial Management, 2022, Vol. 15, No. 10. – Article 451. – URL: https://www.mdpi.com/1911- 8074/15/10/451
  9. Bani Atta, A. A. Financial Technology Platforms and Enhancing SME Financing in Jordan. – Discover Sustainability, 2025. – URL: https://link.springer.com/article/10.1007/s43621-025-01345-z

Downloads

Download data is not yet available.