Иқтисодиёт ва таълим / 2021 йил, 4-сон
124
9.
Кризис Covid-19 и неформальная экономика: Срочные меры реагирования и политические вызовы. – Отраслевая
справка МОТ. Май 2020 г.
10.
Аҳоли турмуш даражаси ва инфляция. Ахборот-таҳлилий маълумот. Ўзбекистон Республикаси Марказий банки. –
Т. 2020 й. ҳамда Марказий банк асосий ставкасини кўриб чиқиш бўйича Пул-кредит сиёсати таҳлили. Ўзбекистон
Республикаси Марказий банки. – Т. 2020 йил 23 июль.
11.
“Повышение финансовой компетентности и финансовой доступности в Узбекистане”.Оценка со стороны спроса
Узбекистан, июнь 2020г. МФК 2020 г. Стр. 88.
12.
Ислом молия маҳсулотларини Ўзбекистонда татбиқ қилиш ва қўллаш” юзасидан таҳлилий хисобот Бирлашган
Миллатлар Ташкилоти Тараққиёт Дастурининг “Ўзбекистонда барқарор ривожланишни молиялаштириш” лойиҳаси
доирасида тайёрланди. UNDP, 2020. 61 б.
13.
Аҳолининг истеъмол кайфияти шарҳи, 2020 йил IV чорак. Ўзбекистон Республикаси Марказий банки Тошкент
2021.
14.
“2001-2023 йилларга мўлжалланган Молиявий хизматлар оммабоплигини ошириш миллий Стратегияси”,
Молиявий хизматлар оммабоплигини ошириш миллий стратегиясини ишлаб чиқиш ва келгусида амалга ошириш бўйича
мувофиқлаштирувчи кенгаш томонидан тасдиқланган. Тошкент, март 2021 й.
15.
Ўзбекистон Республикаси Марказий банкининг Cтатистик бюллетени” асосида тузилган. Марказий банкнинг
расмий сайтида (http://www.cbu.uz) жойлаштирилган.
16.
Ўзбекистон Республикаси Давлат статистика қўмитаси маълумотлари асосида.
17.
Жаҳон банки маълумотлари асосида муаллиф томонидан тузилган https://databank.worldbank.org/reports.
ЎЗБЕКИСТОН РЕСПУБЛИКАСИ МОЛИЯ ИНСТИТУТЛАРИДА БИЗНЕС-ТАҲЛИЛ
ИНСТРУМЕНТЛАРИНИ АМАЛДА ҚЎЛЛАШ ВА БИЗНЕС-ТАҲЛИЛЧИНИНГ ЎРНИ ВА ЯНГИ
ШАРОИТДА ҚАНДАЙ МУВАФФАҚИЯТ ҚОЗОНИШИ МАСАЛАЛАРИ
Ризақулов Нурали Садриддинович -
“Асакабанк” акциядорлик жамияти
Бошқарув раиси маслаҳатчиси
Аннотация:
Махсус мақолада Ўзбекистонда бизнес-таҳлил инструментларини амалда жорий этишнинг
аҳамияти муҳокама қилинади. Айниқса молия институтларида бу ихтисосликка эҳтиёж бор. Бу бизнес-лойиҳаларни
муваффакиятли амалга оширишга ёрдам беради. Бундан ташқари, ушбу мақола бизнес-таҳлилчининг роли ва ҳозирги
пандемия ҳолатида қандай муваффақият қозониш масаласини муҳокама қилишда иштирок этади.
Калит сўзлар:
тадбиркорликни тарғиб қилиш ва камбағалликни қисқартириш, молиявий саводхонлик,
молиявий институтлар, бизнес лойиҳалар, бизнес таҳлил инструментлари.
ПРАКТИЧЕСКОЕ ВНЕДРЕНИЕ БИЗНЕС АНАЛИТИЧЕСКИХ ИНСТРУМЕНТОВ В ФИНАНСОВЫХ
ИНСТИТУТОВ РЕСПУБЛИКИ УЗБЕКИСТАН И РОЛЬ БИЗНЕС АНАЛИТИКА И ЗАДАЧИ КАК
ДОБИТЬСЯ УСПЕХА В НОВЫХ НЫНЕШНЫХ УСЛОВИЯХ
Ризакулов Нурали Садриддинович -
Советник председателю Акционерное
общество “Асакабанк”
Аннотация:
В данной статье будет обсуждаться важность практического внедрения инструментов бизнес-
аналитики в Узбекистане. Эта специализация крайне необходима, особенно в финансовых учреждениях. Он будет
способствовать успешной реализации бизнес-проектов. Помимо этого, этот документ должен быть вовлечен в
обсуждение роли бизнес-аналитика и того, как добиться успеха в текущем случае пандемии.
Ключевые слова:
продвижение предпринимательство и снижение бедности, финансовая грамотность,
финансовые институты, бизнес проекты, техники бизнес аналитики.
PRACTICAL IMPLEMENTATION OF BUSINESS ANALYTICAL TOOLS IN THE FINANCIAL INSTITUTIONS
OF THE REPUBLIC OF UZBEKISTAN AND THE ROLE OF BUSINESS ANALYST AND ISSUES HOW TO
SUCCEED IN THE NEW NORMAL CONDITIONS
Rizakulov Nurali Sadriddinovich -
Advisor to the Chairman
of the Joint-Stock Company “Asakabank”
Abstract:
Particular article shall discuss the importance of practical implementation of business analytical tools in
Uzbekistan. There is an imperative need for this specialization especially in the financial institutions. It shall contribute
successfully deliver business projects. Apart from this, this paper shall be involved in the discussion of role of the business analyst
and how to succeed in the current pandemic case.
Key words:
promoting entrepreneurship and reducing poverty, financial literacy, financial institutions, business projects,
business analytical techniques.
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Introduction.
Nowadays, lack of financial
literacy among local population and fresh
entrepreneurs across the Republic of Uzbekistan is
costing huge financial losses in defaulting on time
payments towards banks. Usually, entrepreneurs
approach financial institutions to get a loan for
starting certain business activities, however in most
cases they fail to plan their finances sophisticatedly.
Financial institutions must be pro-active in advising
and consulting their customers how to effectively
and efficiently manage their finances wholistically.
If proposed business idea or project lacks feasi-
bility, business analysts should provide indepen-
dent opinion on this business plan whether it shall
succeed or not. If business idea appears to be
feasible in terms of units of economics, ultimately
project must be approved by business analysts and
therefore loan shall be granted.
Research Method.
The particular research was done by gat-
hering and analyzing materials used in implemen-
tation of business analytical techniques. Technical
articles were collected to use in this paper. Secon-
dary research has enabled to demonstrate and dis-
cuss practical implementation of business analytical
methods in the current market of the Republic of
Uzbekistan.
Main div: Upskilling business analysts in
the banks of the Republic of Uzbekistan
Number of qualified business analysts in the
financial institutions of Uzbekistan is extremely
limited. Also, they lack practical skills to analyze
business environment. It goes without saying that
the need for highly qualified business analysts is
especially important in the current market
conditions of Uzbekistan.
Local government has launched new initia-
tive to promote entrepreneurship and reduce
poverty among population. All commercial banks
are engaged in promoting this initiative through
providing loans at a privileged rate. Today majority
of people in different regions and provinces of
Uzbekistan are having limited income in a month
around 1,5 – 2.0 million soums. New initiate aims to
double and boost income of local people and create
environment to promote entrepreneurship. Here is
the big question mark. Since highest proportion of
population do not have proper financial knowledge
and expertise which might lead to total failure.
Business analytical techniques and its
implementation in the financial institutions and role
of business analysts
Considering the real scenarios in the banks,
we can witness that no business analytical tech-
niques and methods implemented in the financial
institutions.
Successful implementation and utilization of
business analysis requires certain important steps
and measures. Before we discussed upskilling of
business analysts in the banks, here we shall be
discussing the techniques and methods to succes-
sfully implement in practice and its direct relation
to business analysts[1].
I believe business analysis has a promising
future in the successful appraisal of future potential
projects and provide people necessary expertise
and economic knowledge.
Let us draw attention to the following
business analysis techniques:
Environmental and social considerations:
refers to the use of environmental and social factors
alongside in the investment process[5].
Categories of capital projects:
-
Replacement projects
-
Expansion projects
-
New products and services
-
Other projects
BA techniques encompasses careful analysis
of these capital projects.
To conclude, this paper has demonstrated
essentials and practical implications of the business
analysis. It goes without saying that, incorporating
business analysis in current practices of financial
institutions of the Republic of Uzbekistan will
increase success rate of the projects.
However, we should not ignore the limita-
tions of business analysis tools. Perhaps these tools
may fail adequately analyze the social and certain
factors.
BA takes utmost importance in financial
operations of the banking system if sophisticatedly
applied hereto. It shall ensure successful monito-
ring of the unit of economics of the ongoing projects
and enable to make holistic decisions. Practical imp-
lementation is far from understanding theoretical
concepts rather than applying them into practice.
Financial institutions must be willing to employ BA
techniques during facilitation and supervision of the
projects or loaded credit facilities.
Afterwards, entrepreneurs shall understand
the importance of BA within their businesses, and
they will ensure that failure to consider BA will
decrease success rate of future projects. Banks
should be pro-active in implementing BA, whereas
businesses shall become responsive.
The Pandemic hit us suddenly and yes it came
without any notice to our lives as a transient thing
but became the new normal way of life.
Some of us were initially worried thinking
about what lies ahead, some were shocked, some
found pleasure being relieved from the daily com-
mute, time on the road, and traffic jams. With the
COVID 19 pandemic hitting us globally, organiza-
tions have embraced remote working as the new
way for 2020, and some have announced it for 2021
also. IT industry has moved to this new model in a
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126
relatively easier way, and the transition is relatively
smoother.
But for the traditional industries, it's a big
shift, and the mode of working and infrastructure
needed rethinking, planning, and to be worked out.
In most countries, the pandemic hit so suddenly
that it left no time to prepare for the upcoming
times. Going remote isn't an easy task for many, as
we may think. However, as it's popularly said, every
cloud has a silver lining; similarly, every challenge
comes with an opportunity. It's up to us to step up
and embrace this change and take benefit of the
opportunity. However, many challenges started to
unfold as the new normal started sinking in, and
this seemed like here to stay for some more time.
For this article, we will take a deeper look
into the business analysis profession, what seemed
to have worked well, the new challenges thrown,
and how we can make the best of it in the new
normal.
As a business analyst, one is responsible for:
Leading change and bringing new technology
and products to the organization, gathering existing
and new requirements/processes/features as part
of the automation/new product. Coming up with
solutions to business problems/needs and
developing new systems/solutions to take care of
any manual process / better performance / better
revenue stream / more efficient process / better
user experience.
The business analysis profession is primarily
involved in communication (written, verbal, visual),
and the absence of face-to-face meetings brought
new challenges.
Practical challenges for BAs in remote
working
As part of the solutioning, requirements
elicitation, user story reviews, prototyping, or any
other phase of the project a BA needs to have close
interaction and work with stakeholders, the tech
team, the QA team, and other BAs.
Some specific challenges are:
Staying Engaged with Stakeholders
Most of these tasks were done traditionally
with stakeholders using pre-dominantly following
techniques such as Workshops, walk-throughs/
Reviews, Brainstorming, and Observations.
Challenges most of the business analysts
faced:
-
Getting stakeholder engagements
-
Getting to know the non-verbal cues
-
Meetings can get off track
-
Getting clear communications
-
Getting approval and clarity on require-
ments
Here is a set of guidelines for business ana-
lysis professionals to work effectively and effici-
ently in this new way and to make the transition
smooth.
Spend initial 5 minutes in setting out
expectations and responsibilities like who will take
notes, who will take responsibility for which part,
who is expected to share inputs or information, who
will get sign off, etc. A RACI matrix may be of help
here. Meetings with clear agenda, expectation, suc-
cess criteria, ownerships, and tasks assigned to
members are more effective. Wrapping up the
meetings with the major discussion points and
decisions made.
Being better prepared for the meetings/
requirements elicitation sessions having gone
through all the previous documents, changes
suggested, and the mockups/processes/ documen-
tation. Keeping all the documents needed open in
the background for the meetings. Use visuals and
demos to gather better inputs or feedback. Start
showing similar applications to gather/understand
requirements and collect feedback instead of doing
it verbally. Some popular visual/diagramming tools
are:
-
Visio
-
BizAgi Process Modeler
-
Zoom white Board
-
Use collaboration tools to be more effective,
like:
-
Webex
Being open about being away from work/
break timings. Transparency is the key; keep
everyone up to date, even if it's good or bad. In this
new normal, trust keeps us going.
Conclusion
It has been proven that upskilling and getting
certified puts one at the forefront in the job market,
makes one eligible for the best opportunities and
promotions.
Hence please keep some time booked or
marked in your calendar for learning new skills,
tools, or a certification.
Businesses and huge multinational corpora-
tions have realized the importance of having highly
skilled and matured BAs to enhance their delivery
capabilities. So, when the demand for BAs is on the
rise, how do you set yourself apart in a highly
competitive world? Well, the answer is certification
is one of the best and independent ways of
showcasing your skills. IIBA Certifications are the
most sought-after BA certifications for business
analysts to excel in their careers.
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Bibliography and list of references:
1. Base, K., 2021. What is business analysis? – Knowledge Base. [online] microTOOL. Available at:
<https://www.microtool.de/en/knowledge-base/what-is-business-analysis/> [Accessed 25 May 2021].
2. Brandenburg, L., 2021. An Introduction to Business Analysis and the Business Analyst Process Framework. [online]
Bridging the Gap | We'll Help You Start Your Business Analyst Career. Available at: <https://www.bridging-the-
gap.com/business-analysis-process/> [Accessed 25 May 2021].
3. Calvello, M., 2021. What Is Business Analytics and Why You Need It for Success. [online] Learn.g2.com. Available at:
<https://learn.g2.com/business-analytics> [Accessed 25 May 2021].
4. Contributor, P., 2021. What is Business Analysis and 8 Steps You Should Follow. [online] PESTLE Analysis. Available at:
<https://pestleanalysis.com/what-is-business-analysis/> [Accessed 25 May 2021].
5.
MicroStrategy.
2021. Business
Intelligence
&
Analytics
Solutions.
[online]
Available
at:
<https://www.microstrategy.com/en> [Accessed 25 May 2021].
6. Pratt, M. and White, S., 2021. What is a business analyst? A key role for business-IT efficiency. [online] CIO. Available at:
<https://www.cio.com/article/2436638/project-management-what-do-business-analysts-actually-do-for-software-
implementation-projects.html> [Accessed 25 May 2021].
O‘ZBEKISTONDA SOLIQ QARZLARINI UNDIRISH MEXANIZMINI
TAKOMILLASHTIRISH TAHLILI
Hakimov Ulug‘bek Furqat o‘g‘li -
Тошкент давлат иқтисодиёт университети
мустақил изланувчиси
Annotatsiya:
Mazkur maqolada soliq tizimi, soliqlarning davlat iqtisodiyotidagi ahamiyati tadqiq qilingan. Yuridik
shaxslar va yakka tartibdagi tadbirkorlarning, shu jumladan jismoniy shaxslarning soliq qarzlari tahlil qilingan. Soliq qarzi
bo‘yicha xorijiy va mahalliy olimlarning fikr va mulohazalari o‘rganilgan. Shuningdek, davlatimizda soliq qarzlarini kamaytirish
va samarali undirish mexanizmini takomillashtirish borasida taklif va tavsiyalar shakllantirilgan.
Asosiy tushunchalar:
Soliq tizimi, soliq to‘lovchilar, soliqlar va yig‘imlar, soliq qarzi, budjet, soliq qarzi mavjud bo‘lgan
tadbirkorlik subyektlari
.
АНАЛИЗ СОВЕРШЕНСТВОВАНИЯ МЕХАНИЗМОВ ВЗЫСКАНИЯ НАЛОГОВОЙ
ЗАДОЛЖЕННОСТИ В УЗБЕКИСТАНЕ
Ҳакимов Улуғбек Фурқат ўғли -
Ташкентский государственный экономический
университет, соискатель
Аннотация:
В статье исследуется налоговая система, значение налогов в экономике государства.
Проанализирована налоговая задолженность юридических лиц и индивидуальных предпринимателей, в том числе
физических лиц. Изучены мнения зарубежных и местных ученых о налоговой задолженности. Кроме того,
сформированы предложения и рекомендации по сокращению налоговой задолженности и совершенствованию
механизма эффективного сбора в нашей стране.
Ключевые слова:
Налоговая система, налогоплательщики, налоги и сборы, налоговая задолженность,
бюджет, предприятия с налоговой задолженностью.
ANALYSIS OF IMPROVING TAX COLLECTION MECHANISMS IN UZBEKISTAN
Hakimov Ulugbek Furkat ogli
-
Tashkent State University of Economics, researcher
Abstract:
The article examines the tax system, the importance of taxes in the state economy. The tax debts of legal
entities and individual entrepreneurs, including individuals, have been analyzed. Opinions
of foreign and domestic scholars about
tax debts were studied. In addition, suggestions and recommendations are given about reducing tax arrears and improving the
mechanism of effective collection in our country.
Key words:
Tax system, tax payers, taxes and fees, tax debt, budget, a business entity with a tax debt.
Kirish.
Bugungi kunda mamlakatda amalga
oshirilayotgan iqtisodiy islohotlar tadbirkorlikni
jadal qo‘llab-quvvatlash bilan birgalikda soliq
tizimini ham keng rivojlantirishga qaratilgan.
Soliq tizimi, soliqlar - davlat tomonidan iqti-
sodiyotni tartibga solishda eng samarali vositalari-
dan biri hisoblanadi. Shunga ko‘ra, mamlakatimizda
mustaqillikning dastlabki yillaridanoq barcha soha-
lar singari soliq sohasida ham ko‘plab islohotlar
МОЛИЯ ВА СОЛИҚЛАР
