Vol. 5 No. 06 (2025): Volume - V Issue - VI

The use and combination of different business models in regional transport sectors has become an important approach to achieving sustainable mobility. This study aims to examine the factors and conditions that influence the participation of small businesses in logistics services in the freight and passenger transport sectors. The analysis shows that, despite institutional and infrastructure-related constraints, entrepreneurial initiatives remain highly resilient and adaptable; this indicates a fragmented but effective system. This study contributes to the formulation of transport policies and lays the foundation for the development of targeted support mechanisms to promote inclusive mobility solutions. The results of the study can inform future territorial planning decisions and the process of integrating small businesses into transport network management.

The development of entrepreneurial activity constitutes a critical driver of sustainable economic performance and structural transformation within the national economy. Over time, this subject has been investigated through a variety of theoretical lenses, shaped by differing temporal and regional contexts. In the present stage, there is a pressing need for the systematic classification, typological differentiation, and sectoral analysis of entrepreneurial entities, taking into account current socio-economic conditions and practical outcomes. Such a comprehensive approach not only enhances the effectiveness of policy interventions but also contributes to fostering sustainable economic growth, increasing employment levels, and stimulating foreign trade activities.

Rapid expansion of e-commerce has reconfigured the competitive landscape for local businesses and reshaped the practice of place-based marketing. This article examines global e-commerce growth trajectories over the past decade and analyses how the rise of digital retail platforms alters local marketing strategies, budgets and consumer relationships. Drawing on a mixed-methods approach – statistical analysis of market data, a survey of 214 Uzbek and Central Asian small enterprises, and qualitative interviews with marketing managers – the study identifies three primary effects. First, the boundary between “online” and “offline” markets is eroding, compelling local firms to integrate omni-channel tactics. Second, data-driven targeting enabled by platforms such as Meta Ads and Yandex Direct is accelerating hyper-local personalisation while simultaneously heightening competition for attention. Third, regulatory interventions, logistics infrastructure and digital payment penetration act as mediating variables that determine whether e-commerce expansion crowds out or complements neighbourhood retailers. The findings suggest that local businesses that proactively adopt hybrid fulfilment models, invest in first-party data analytics and cultivate community-based brand narratives can offset the power asymmetry vis-à-vis global marketplaces. Policy implications include the need for granular digital-skills programmes and nuanced tax regimes that level the playing field without stifling innovation.

This study investigates the intricate relationship between digital financial literacy (DFL) and the financial behavior of millennials. As digital platforms increasingly dominate financial transactions, understanding how DFL shapes financial decisions among this technologically adept generation is crucial. Drawing upon a comprehensive literature review, this research postulates that higher DFL levels lead to more prudent and effective financial behaviors, including budgeting, saving, investing, and debt management. Utilizing a quantitative research design, data was collected from a diverse sample of millennials through an online survey. The findings reveal a significant positive correlation between DFL and various aspects of financial behavior, underscoring the imperative for targeted educational initiatives. This paper contributes to the existing body of knowledge by specifically examining DFL in the millennial context, offering valuable insights for policymakers, financial institutions, and educators aiming to enhance financial well-being in the digital age.

This article covers the concept of improving the management efficiency of oil enterprises. Also, effective management of the enterprise and rational solution of the existing problem, and the main goals in the field of production were widely studied and analyzed. In addition, the main functions of management systems and the influence of modern concepts and technologies on the process of enterprise management are widely evaluated. In addition, the concept of integrated supply management, which emerged in the last decade, has been widely analyzed as the concept of related flows such as "design - purchase - production - distribution - sales - service" in the integrated business structure. The connection between ISO 9000 and the concept of TQM is scientifically based on the need to combine orders from different suppliers into one delivery, instead of delivering small batches from different suppliers on time. Conclusions and suggestions on improving the management efficiency of oil enterprises are given.

In this article, the issues of increasing the efficiency of raw material supply management in oil enterprises are discussed. Also, the value of some imported vegetable oil and the value of some imported vegetable oil of the countries of the world have been widely analyzed under the conditions of the coronavirus pandemic prevailing all over the world. In addition, in order to provide the population with high-quality food products in our country, the economic indicators of JSC "Tashkent oil-oil" and JSC "Yangiyol oil-oil" with the participation of foreign investors were analyzed and evaluated. Production costs of JSC "Tashkent Oil-Oil Combine" in the form of a joint venture and JSC "Yangi'ol Oil-Oil" with the participation of foreign investors and raw materials of JSC "Tashkent Oil-Oil Combine" in the form of a joint venture and JSC "Yangi'ol Oil-Oil" with the participation of foreign investors extensive analysis of resource consumption has been carried out. In addition, conclusions and proposals were developed on the research conducted to improve the efficiency of raw material supply to the enterprise.

This study explores the improvement of quality management analysis within modern agroclusters. As agro-industrial systems grow in complexity, effective quality control becomes essential for ensuring product competitiveness, sustainability, and compliance with international standards. The paper proposes an integrated analytical framework combining traditional quality indicators with cluster-specific operational metrics. Findings from selected agroclusters demonstrate that enhanced quality management contributes directly to higher productivity, reduced waste, and improved market access. The study offers practical recommendations for implementing systematic quality assessment across agrocluster value chains.

This article will tell you about the author's various researches on the further development of the Interbank Settlement System, highlighting the large- scale reforms being implemented, and one of the most important factors for the further development of the rapidly developing economy today - the correct and accurate organization of money circulation.

This article discusses the concept of receivables and payables from the point of view of accounting, defines the essence of the analysis of receivables and payables at the present stage of development of economic relations, on which the stability of the financial position of the company depends both at the current moment and in the future of its further development. At the same time, it should be noted that an uncontrolled increase in receivables and payables can lead to a decrease in the liquidity of current assets and the solvency of the organization, on the one hand, and a loss of financial stability, on the other. Accounts receivable that is not returned in a timely manner depreciates assets, reducing their value in the face of inflation, and an uncontrolled increase in accounts payable creates the risk of claims from creditors for the bankruptcy of organizations. In addition, non-payment by debtors of the amount of debt on time can lead to untimely fulfillment of the organization's obligations to creditors, tax authorities, etc., which will necessitate the attraction of new credit and borrowed funds and, as a result, an increase in cost due to the payment of interest, a decrease in financial result. The article also suggests ways to optimize and improve the organization of settlements with counterparties of the organization.

The article presents the theoretical foundations of the financial situation of enterprises and describes the views of various scientists. Also, the economic essence of the financial condition, techniques and approaches to conducting an analysis of the financial condition of an enterprise and algorithm for conducting analysis of the financial condition of the enterprise.