44
PROBLEMS OF DEVELOPMENT OF FAMILY ENTREPRENEURSHIP
Gulziba Jumamuratova
Student of the Faculty of Karakalpak state university
jumamuratovagulziba3@gmail.com
https://doi.org/10.5281/zenodo.12746358
Abstract.
The article provides information on the reforms being carried out by the state in
the development of entrepreneurship, the implementation of adopted programs and created
opportunities.
Keywords:
"Every family is an entrepreneur" State program, entrepreneurship, family
business, family householding, innovation, financial support, economic growth, production,
management.
ПРОБЛЕМЫ РАЗВИТИЯ СЕМЕЙНОГО ПРЕДПРИНИМАТЕЛЬСТВА
Аннотация.
В статье представлена информация о реформах, проводимых
государством в сфере развития предпринимательства, реализации принятых программ и
созданных возможностях.
Ключевые
слова:
Государственная
программа
«Каждая
семья
–
предприниматель», предпринимательство, семейный бизнес, семейное хозяйство,
инновации, финансовая поддержка, экономический рост, производство, управление.
INTRODUCTION
During the development of the years of independence, as in all industries, the family
business sector has undergone great changes. Due to the fact that the main condition for the
transition to market relations is the creation of legal and organizational conditions for the formation
of a multi-level economy and a competitive environment, during this period much attention was
paid to privatization and the development of business activities. One of the main factors in creating
a market environment in the deepening of economic reforms was the development of small
business. A lot of attention is also paid to family business, which is one of its various areas. Each
family, while receiving a high level of profit, produces products and services necessary for society,
creates new markets for the country, contributes to the employment of the population, other
organizations and appears as a consumer of products and services created in families, contributes
to the development of the country's economy by paying certain types of taxes. During the
performance of these tasks, the scale and volume of small business and private sector in the
45
country's economy has grown significantly. The number of families engaged in family business
and, accordingly, its share in the gross domestic product is increasing.[2]
In accordance with Article 1 of the Law "On Family Entrepreneurship", family
entrepreneurship is an entrepreneurial activity carried out by family members at the risk and under
their own property responsibility for the purpose of obtaining income (profit), at the discretion of
its participants. is based on A family business can be established with or without a legal entity.
The organizational and legal form of a family business, which is carried out by establishing a legal
entity, is a family enterprise. Without establishing a legal entity, family business is carried out in
accordance with the procedure established by law.
MAIN PART
A family enterprise is a small business entity established by its participants for the
production and sale of goods on a voluntary basis, on the basis of shared or joint property of the
participants, as well as on the basis of the property of each of the participants. The activity of a
family business is based on the personal work of its participants. The family business operates
only as a legal entity.
The authorized fund of a family enterprise is formed at the expense of money, securities,
other assets, including property rights valued in money or other rights that can be transferred to
another person. A single house (apartment) cannot be included in the charter fund of a family
enterprise. The participants of the family enterprise independently determine the property that they
will contribute to the charter fund of the family enterprise in the manner provided for in the
enterprise's foundation contract.
The authorized fund of a family enterprise must not be less than ten times the amount of
the minimum wage established by the legislation on the date of submission of documents for state
registration of the enterprise.
The property of the family enterprise consists of the property contributed by the
participants of the family enterprise to its charter fund, the property received at the expense of
loans and credits, the income received from the sale of goods, the performance of works, and the
provision of services and directed to the development of the family enterprise, it also includes
property received at the expense of income, other funds not prohibited by law.
Analyzes conducted in the field of family entrepreneurship in our country and its regions
attract the population to entrepreneurship, create new jobs, ensure employment, provide practical
assistance to citizens trying to be self-employed, effective use of labor resources showed that there
are still unused opportunities in such directions. "Each family is an entrepreneur" Program was
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adopted in our country in order to correct this deficiency and to make effective use of unused
opportunities.[1]
Among the main directions of the "Every family is an entrepreneur" program, the following
were defined:
1. Allocating preferential loans to people who want to do business. Ensuring that they
provide practical assistance at every stage of the organization and implementation of business
activities. Such practical assistance is provided by all official organizations.
2. Teaching the population entrepreneurial skills and providing practical assistance in
organizing a type of activity.
3. Creating additional jobs by providing practical assistance to business entities to expand
their activities.
4. Providing financial support for the implementation of activities on micro-enterprises,
small-scale production entities and households. Creating an opportunity for the population to earn
additional income.
5. Organization of mini-clusters in neighborhoods. In this case, connecting families with
less experience who are starting this type of activity to experienced entrepreneurs who have
achieved positive results in the field of entrepreneurship.
6. Expanding the range of services provided to family entrepreneurs. Establishment of
market infrastructure facilities, service and sales outlets that organize the sale of products produced
by them.
7. Giving vacant land areas to newly established business entities. Creating additional jobs
and sources of income for the population.
8. Identification of entrepreneurs operating without state registration and assistance in
legalizing their activities.
Allocation of preferential loans to residents who decide to engage in entrepreneurship is
carried out in the following amounts and by the following responsible organizations: Preferential
loans in the amount of 150 times the minimum wage on the basis of the recommendations of the
heads of sectors for the socio-economic development of the regions and community assemblies
will be given.
Insurance policies, third-party guaranty, pledge of property purchased on credit, and
guaranty of the State Fund for the Support of Entrepreneurial Activity under the Cabinet of
Ministers to business entities that are registered and operating in the prescribed manner It is
possible to allocate an interest loan in the amount of 1000 times the minimum wage.
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When lending investment projects of business entities, preferential loans in the amount of
more than 1,000 times the minimum wage can be allocated based on the types of provision
established within the framework of legislation.[3]
The state fund for supporting the development of entrepreneurship under the Cabinet of
Ministers of the Republic of Uzbekistan allocates compensation for covering interest costs and
guarantees for loans allocated to business entities within the framework of the "Every family is an
entrepreneur" program.
When family entrepreneurs are insured against the risk of non-return of preferential loans
by commercial banks, the insurance fee is set at an amount of no more than 1.5 percent, and the
insurance conditions are eased.
CONCLUSION
Despite the special attention paid to family business activities, there is a lot of work to be
done in this area. In order to develop the works in this direction at a faster pace, it is required to
bring the management activities in them to the current level. There are works that need to be done
in the field of using modern management methods and principles, in the field of the procedure for
using economic resources, and in the field of labor resources management.[2,4]
At the same time, the development of small business, family entrepreneurship, ensuring
the employment of the population, increasing the efficiency of the financial support system for
programs for women and young generation initiatives, as well as fundamentally improving the
working methods of commercial banks with state participation and banking by increasing the
popularity of its services, it is necessary to establish full-fledged partnership relations with broad
segments of the population, small business and family business entities.
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