No. 7 (2023) Economic development and analysis

This article examines the issues of digitalization of the medical sphere and foreign experience. The practice of digitalization of the healthcare system of the Republic of Uzbekistan and the experience of foreign countries in this area have been studied. Also, on the basis of statistical data, trends in the development of the country's medical sphere were analyzed and proposals and recommendations were developed for the effective organization of information digitalization processes at medical enterprises.

The article examines various opinions and views of scientists on the assessment of the tax burden fron the theoretical point of view, the author analyzes the indicator of the tax burden, the practice and procedure of taxation for individuals, its current stat. In addition, the author has developed scientific conclusions and proposals for assessing and distributing the level of the tax burden of taxpayers.

In this article, we measure the economic development of Italy and examine the factors that will influence it. For the research purposes we have selected several factors that have a great impact on economic growth. We take GDP per capita as a measure of a country's economic development. The purpose of this study is to examine the dynamic and long-term relationships between variables and GDP per capita.

This article explores the regulatory framework and legal aspects that constitute yhe basis for the evolution of digital lending in the banking sector. In current financial landscape, banks are increasingly using digital technologies to transform retail lending practices. This article explores the digital transformation of retail lending and the legal frameworks that will regulate it, protect consumer rights, and ensure the integrity of financial systems.

This article examines the practical tasks, factors, and economic success of effective personnel management, as well as the need to analyze personnel potential and apply current methods. It is designed to realize labor potential, develop personal abilities, provide people with satisfaction from work accomplished and public recognition of their achievements, and provide a comfortable environment. Personnel planning is also aimed at meeting the needs of production and ensuring the interests of employees and society as a whole. Today, more than ever, it is necessary to look for opportunities to harmonize market conditions and the interests of the company’s employee.

The article is devoted to the analysis of strategies and methods aimed at optimizing taxation within the framework of the digital economy. In the context of the rapidly developing digital market and the emergence of new forms of commercial activity, effective tax planning is becoming the main aspect of the state's financial stability. The article covers the use of digital technologies in the harmonization of tax legislation, data collection and analysis. Particular attention is paid to the development of effective tax collection mechanisms for digital transactions and services, which are the main factor for ensuring stable and predictable government revenues.

This article discusses the reforms implemented in our republic to improve the quality of education, organization of the educational process in accordance with the requirements of the time, the role of higher educational institutions in the educating qualified personnel, and the potential of student, the competence of professors and teachers, and issues such as the significance of foreign experience in the educational process.

Currently, one of the most important issues facing the field of higher education is improving the system of quality and assessment of education, as well as training competitive personnel. This situation determines the relevance of studying and analyzing the regulatory framework, which will allow reforming the higher education system, monitoring, evaluating and ensuring the quality of education in all aspects, both theoretically and practically. Accordingly, the article highlights such issues as the active participation of universities in the development of a science-based economy, innovative teaching methods, the establishment of an inextricable connection with the business sector, and the direct implementation of research work carried out at the university into production.

The Islamic finance industry resiliently grew by 17% in 2021, reaching nearly US$4 trillion in total assets. The growth was evident across sectors including Islamic banking, Sukuk, Islamic funds, and other financial institutions. Notably, Islamic banking, comprising 70% of assets, expanded due to government support, operational efficiency, and strong demand. Net income surged by 290%, while average return on assets also increased. The rise of fully digital Islamic banks globally and responses to the LIBOR transition, such as Malaysia's MYOR-i and Oman's Islamic money market instruments, highlighted industry innovation. Efforts to enhance sustainability, governance, knowledge, and awareness through the Islamic Finance Development Indicator (IFDI) underscore industry progress, positioning Islamic finance for continued growth and innovation.

This article examines interbank competition and its role in ensuring the stability of the country's banking system. In addition, the article analyzes the current state of interbank competition in our country and its specific trends, stability of the banking system and the factors influencing it. Relevant conclusions have been developed.

The article discusses free economic zones, which are considered the main factor in the socio-economic development of the country, their attractiveness and the organization of new high-tech industries, more active involvement of regions in the development of the production of competitive and export products. The focus on modern industrial products, production, and mechanical engineering have been studied as favorable conditions for the consistent development of free economic zones as the most important factor in expanding the attraction of foreign direct investment to ensure the rapid development of communications, road transport, social infrastructure and logistics services. In addition, the article analyzes such issues as the creation, especially of small businesses and private entrepreneurship, increasing export potential, strengthening diversification policies, the sustainability of the regional economy and the current situation in our country.

This article analyzes the general trend of hotel business development in Uzbekistan. At the same time, in the example of the Nadir Samarkand hotel located in the city of Samarkand, the problem of efficient distribution of resources was solved using the simplex method.

This article examines the multifaceted issues of non-performing loans in commercial banks, focusing on understanding their specific features, emphasizing important issues related to risk management in financial institutions. The study includes factors influencing the occurrence of problem loans, their economic indicators, the state of the credit market, characteristics of borrowers, as well as regulatory effects. In addition, the study examines the specific characteristics of problem loans, such as loan volume, type and collateral, and highlights the circumstances that distinguish them from loans. It also presents important approaches of commercial banks to develop effective strategies to reduce the risk of loan default.

Diversification of the structure of the economy in Uzbekistan and its competitiveness, consistent introduction of market mechanisms to all sectors of the economy, reduction of poverty and increase the well-being of the population,rapid development of the digital economy, transformation of state companies, ensuring sustainable economic growth by reducing the participation of the state in the economy constitute the priorities of economic reforms currently being carried out. Within the framework of these economic reforms, the definition of urgent tasks for “formation of a free competitive environment in the commodity and financial markets”, “popularization of the life insurance network and personal insurance among the population, their large-scale promotion and development of new types of life and personal insurance” is a theoretical analysis of insurance activities in the country- it indicates the need to carry out research work on improving the methodological and practical basis, increasing the level of salinity and quality of insurance services in the structure of financial services.

Gastronomy is a great asset in tourism. It is part of the culture and tradition of these countries. Good cuisine is fun for everyone, because everyone wants to taste good and tasty food. Many people travel only for gastronomic purposes. Food is a basic human need and it can be the main motivation in the decision to travel. Therefore, the study examined gastronomy and its role in tourism.

This research article examines the characteristics, status and role of regional banks, the reasons for their investment activity. The Asian Development Bank and its investment activities in Uzbekistan are presented as a case study. As a result of the research and analysis, proposals and recommendations were developed for the development of investment activities of regional banks.

The article reveals the problems of organizing statistical activities, ways to introduce modern technologies in this area, suggestions for improving the activities of the district statistics division based on information and communication technologies.

This article examines the relationship between economic growth and air pollution in Uzbekistan, which has achieved rapid economic development in recent years. Using data from 2000 to 2020, we used econometric methods to examine the impact of economic growth on air pollution. Our results show that economic growth has a positive and significant effect on air pollution in Uzbekistan, suggesting the existence of the Environmental Kuznets Curve (EKC) hypothesis. However, the relationship between economic growth and air pollution is not linear, and the tipping point at which economic growth begins to reduce air pollution is not yet clear in Uzbekistan. Our findings have important policy implications for the sustainable development of Uzbekistan's economy and the reduction of air pollution.

Corporate culture contributes to the long-term development and improvement of the efficiency of enterprise management, as well as determines the mission and long-term strategies of the company. Currently, in the world, along with modern models of corporate governance, the peculiarities of corporate culture as a separate sphere are being studied. The growing acceleration of the globalization process, the expansion of the scale and the development of integration between countries and companies require a broader and deeper study of corporate culture. Therefore, much attention is paid to this direction by scientists in the field of management. In this research paper, modern models of corporate culture and some of their aspects across the country and the company were analyzed.

This research article is aimed at determining the economic aspects of motor transport enterprises, income and profit, its types and profitability in motor transport enterprises. It examines various factors affecting profit formation such as operational efficiency, cost management and revenue optimization. In addition, it examines the indicators and methods used to evaluate the profitability of production in these enterprises, taking into account the financial and operational perspectives.

The article reveals the nature of tourist corridors and their importance in the development of the tourism industry. Some scientific views are accurately analyzed and the concept of a tourist corridor is clarified in this study paper. The types of tourist corridors have been identified and justified by their geographic coverage. There has been studied different world experiences and the need and importance of their organization is structurally emphasized.

Practice shows that public finance management is constantly evolving, the organizational and legal forms of budgetary institutions are changing, as well as the procedure for their financing and state support for commercial organizations is also developing. It is obvious that this, in turn, increases the urgency of the issue of improving the state financial control. This article presents an analysis of the current state of work carried out in the system of state financial control in order to reform the public finance sector and ensure the efficient and rational use of budget funds.

This article discusses the problems of the energy sector. Technologies in the energy sectors of the world, their achievements and shortcomings are highlighted on the basis of research by international organizations. The proposals and recommendations on the development of green energy sources in Uzbekistan are given.

In the article, the development of dualism in economic systems during the emergence of new relations of production and the state's policies and institutions during this period to ensure that they support and help new methods of production, dualism studied by several economists methodological problems specific to the financial system are studied. The author has studied how the dualistic financial system affects the emergence of crises and conflict situations in the economy, in particular, its negative impact on the stable improvement of product production, competitiveness and general economic well-being. The author has further strengthened his views on these relations with a comprehensive analysis of the financial literature, which is presented in the cross-section of countries and years. According to the results of the study, due to the review of the dualistic financial system, the authors consider important proposals for the existing problems of the economy. The article examines the economic relations of the formation, distribution and use of monetary funds in the dualistic financial system and emphasizes the effects of their use.

Gastronomy tourism, celebrated for its potential to showcase local culinary traditions and cultural diversity, faces a range of challenges that threaten its authenticity and sustainability. This article explores the multifaceted problems plaguing gastronomy tourism in Surkhandarya, ranging from overcommercialization and cultural appropriation to environmental sustainability concerns and economic disparities. Seasonality, supply chain issues, inadequate infrastructure, health and safety risks, and social impacts further compound these challenges. Nevertheless, there is a path forward, and this article offers a set of recommendations to address these issues and promote sustainable and responsible gastronomy tourism. By embracing these recommendations, the gastronomy tourism industry can not only overcome its problems but also thrive while preserving cultural heritage and benefiting local communities.