Том 4 № 6 (2025)

Ushbu tezisda tijorat banklarida marketing faoliyatini rivojlantirishning dolzarb masalalari yoritilgan. Raqobatning kuchayib borayotgan bank sohasida mijozlar ehtiyojlarini chuqur o‘rganish, innovatsion xizmatlar yaratish va raqamli marketing strategiyalarini qo‘llash bank muvaffaqiyatining muhim omillaridan biri sifatida ko‘rilmoqda. Tadqiqotda marketingning zamonaviy yondashuvlari, banklarda mijozlarga yo‘naltirilgan strategiyalar, CRM tizimi, raqamli texnologiyalar va bank brendini boshqarish mexanizmlarining ahamiyati tahlil qilinadi. Shuningdek, O‘zbekiston tijorat banklari faoliyatidan misollar keltirilib, amaliy tavsiyalar ishlab chiqilgan. Mazkur ish tijorat banklari marketing strategiyalarini takomillashtirish orqali ularning bozordagi raqobatbardoshligini oshirishga qaratilgan.

Ushbu maqolada Sharq davlatlari falsafasi,  uning jamiyat rivojidagi oʻrni, sharq falsafasiga oʻz hissasini qoʻshgan olimlar va bu borada boʻlgan izlanishlar haqida fikr yuritiladi. Sharq falsafasining hozirgi kundagi oʻrni va boʻlayotgan tadqiqotlar ochib beriladi.

Reklama tili kommunikativ, semiotik va psixologik vositalarning murakkab uyg‘unligidir. Uning idrok va talqin jihatlari reklamaning semantik qatlamini anglashda muhim o‘rin tutadi. Mazkur maqolada reklama matni va vizual-belgili komponentlarining inson ongida qanday qabul qilinishi va talqin qilinishi masalalari kognitiv tilshunoslik, semiotika va reklama psixologiyasi asosida nazariy jihatdan tahlil qilinadi.

As digital technologies evolve, so do the risks and threats associated with them. Cybercrime has emerged as one of the most pressing global security issues, affecting individuals, organizations, and governments alike. This study investigates the preventive role of education in combating cybercrime. By analyzing current educational strategies, cybersecurity awareness programs, and digital literacy initiatives, the research emphasizes the importance of proactive and structured educational interventions. The findings demonstrate that comprehensive education programs significantly reduce the likelihood of cybercrimes by promoting responsible online behavior, increasing knowledge of cyber threats, and equipping users with protective skills. The paper concludes with recommendations for integrating cybersecurity education into curricula at multiple educational levels.

our article below presents efforts to make chemistry interesting and achieve sustainable development. In order to further increase students' interest in chemistry, to study the topic in depth and to apply it to life, sustainable development education is included. The "Assessment" method was used to assess how well this topic was studied.

Officials who carry out the verification process must ensure the competence of a specialist before initiating investigative actions involving them, in accordance with Article 69 of the Criminal Procedure Code. However, we can see that the procedure for this procedural action is not specified in the law.

This article analyzes the theoretical foundations and practical aspects of introducing modular-systemic teaching technologies into the process of music education. Mechanisms for increasing students' independence in learning, creative thinking and interest in musical activity through a modular-systemic approach are highlighted.

Symbols of the ego and its educational significance in this article will be discussed.  That the ego has its own measure and more rational than it emphasizes the need to use.  Every creator has imbued their symbolic image with a new meaning. The essence of the symbol also requires the reader to follow the creator in thinking.

В данной статье проводится сравнительный анализ эффективности современных методов выделения металлического индия из побочных продуктов цинкового производства. Рассмотрены химические, физико-химические и электрохимические методы извлечения индия, включая цементацию, ионный обмен, жидкостную экстракцию и электролиз. Проанализированы технико-экономические показатели данных методов, их преимущества и недостатки. На основе анализа литературных данных определены наиболее перспективные подходы к выделению индия с учетом современных требований к энергоэффективности и экологической безопасности производства.

Maqolada  ta’lim  jarayoniga  “kreativlik” atamasini  kirib kelishining  muhim  ahamiyat  kasb  etishi  va  uning  o‘qituvchi ijodkorligi  bilan bevosita bog’liqligi, o‘qituvchining  kreativligini  ona  tili  ta’limi  bo‘yicha  zarur o‘quv  manbalarini  yaratish,  ona  tili  ta’limi jarayoni loyihasini tayyorlash, ta’lim  jarayonini  qiziqarli va jonli tashkil  etish,  fanni  o‘qitishga qaratilgan  ilmiy tadqiqotlarni muvaffaqiyatli olib borish, ona tili va o’qish savodxonligini  o‘qitishga doir respublika miqyosidagi anjumanlarda  faol  ishtirok  etishi  haqidagi fikrlar yoritiladi.

Laughter is usually seen as a reaction to humor, but in reality, it plays a much more complex role in communication. In academic settings, especially in multicultural classrooms, laughter can carry different meanings depending on cultural backgrounds. This paper looks at how laughter is used by Uzbek and Japanese students as an extralinguistic strategy in academic environments. By comparing cultural norms and drawing from existing literature, this study sheds light on the subtle ways laughter helps manage social interaction, express emotion, and maintain group harmony in academic discourse.

Ushbu ilmiy tezisda chakana bank xizmatlarining tijorat banklari samaradorligiga ta’siri o‘rganiladi va rivojlantirish yo‘llari tahlil qilinadi. Tadqiqotning asosiy maqsadi – tijorat banklarida chakana xizmatlar samaradorligini oshirish bo‘yicha ilmiy asoslangan taklif va tavsiyalar ishlab chiqishdir.

Laughter is usually seen as a reaction to humor, but in reality, it plays a much more complex role in communication. In academic settings, especially in multicultural classrooms, laughter can carry different meanings depending on cultural backgrounds. This paper looks at how laughter is used by Uzbek and Japanese students as an extralinguistic strategy in academic environments. By comparing cultural norms and drawing from existing literature, this study sheds light on the subtle ways laughter helps manage social interaction, express emotion, and maintain group harmony in academic discourse.

В данной работе рассматриваются основные направления государственной политики по поддержке частного сектора и предпринимательства в экономике. Анализируются формы поддержки, роль государства в формировании благоприятной деловой среды, а также влияние этих мер на экономический рост. Подчёркивается значение развития малого и среднего бизнеса как ключевого фактора устойчивого развития страны.

В данной работе рассматриваются ключевые аспекты функционирования рыночной экономики и роль экономической политики в обеспечении её стабильности и развития. Особое внимание уделяется механизмам государственного регулирования, формированию рыночных структур и взаимодействию между участниками экономической системы. Анализируются основные инструменты макроэкономического управления и их влияние на экономический рост и устойчивость.

В статье рассматриваются теоретические основы и практические аспекты программирования, прогнозирования и планирования социально-экономического развития. Раскрываются их значение в системе государственного управления, особенности взаимосвязи, а также инструменты, применяемые при разработке стратегий развития на различных уровнях. Особое внимание уделено роли аналитических данных и цифровых технологий в обеспечении эффективности долгосрочного планирования. Приведены сравнительные данные по применению программно-целевого метода в разных регионах.

В статье проведён анализ пьесы А. П. Чехова «Вишневый сад». Рассмотрены исторический контекст, сюжетная структура, основные темы, символика и значение произведения для российской культуры и мировой драматургии. Отмечена актуальность пьесы в современных условиях как зеркало социальных и философских перемен.

In recent years, the housing issue in Uzbekistan has been gradually developing, becoming one of the top priorities of state policy. In particular, great attention is paid to meeting the demand and needs of the population for housing through the formation and development of the mortgage market. In Uzbekistan, especially in the Khorezm region, certain successes have been achieved in this process, but there are also issues awaiting resolution. A large number of documents have been adopted for this. In particular, the Decree of the President of the Republic of Uzbekistan No. PF-5886 dated November 28, 2019 “On additional measures to improve mortgage lending mechanisms” , Resolution of the Cabinet of Ministers No. 182 of March 25, 2020 “On approval of the Regulation on the procedure for paying subsidies to citizens for the purchase of housing” , Decrees of the President of the Republic of Uzbekistan No. PF-33 dated December 9, 2021 “On additional measures to provide the population with housing through mortgage loans based on market principles”  and many other documents have been adopted.

Mazkur tezisda korxonaning moliyaviy holatini baholash mezonlari, moliyaviy turg‘unlikni aniqlovchi ko‘rsatkichlar tizimi hamda barqarorlikni ta’minlash strategiyalari ilmiy-nazariy va amaliy jihatdan tahlil qilingan. Xususan, to‘lovga qobiliylik, rentabellik, moliyaviy mustahkamlik va kapital tuzilmasi kabi asosiy moliyaviy indikatorlar asosida baholash mexanizmlari ishlab chiqilgan. Korxona barqarorligiga ta’sir qiluvchi ichki va tashqi omillar statistik ma’lumotlar orqali o‘rganilib, barqaror moliyaviy rivojlanishga erishish uchun tegishli taklif va tavsiyalar ilgari surilgan. Tadqiqot natijalari O‘zbekiston sharoitida real sektor subyektlarining moliyaviy salohiyatini oshirishga qaratilgan amaliy yechimlar ishlab chiqishga xizmat qiladi.

Ushbu maqola barqaror taraqqiyotni ta'minlashda ayollarning moliyaviy savodxonligini oshirish masalasini o'rganadi. Adabiyotlar tahlili asosida ayollar moliyaviy savodxonligining hozirgi holati, unga ta'sir etuvchi omillar va yaxshilash yo'llari muhokama qilinadi. Maqola moliyaviy savodxonlikning ayollar iqtisodiy mustaqilligi va oilalar farovonligiga ta'sirini tahlil qiladi hamda barqaror taraqqiyot maqsadlariga erishishda ayollarning moliyaviy savodxonligini oshirish bo'yicha tavsiyalar beradi.

The provision of public services is primarily aimed at significantly reducing state costs, increasing the prestige and image of public services, further increasing citizens' trust in the state, and further strengthening social, political, and economic ties between them. The article covers the areas of research and practical application of public services.

Данная статья посвящена анализу способов повышения эффективности деятельности предприятий общественного питания. Рассматриваются примеры семейных предприятий общественного питания, на которых акцентируется внимание на улучшении качества обслуживания, обеспечении операционной эффективности и разработке стратегий, ориентированных на удовлетворение потребностей клиентов. Также рассматриваются вопросы конкурентоспособности ценовой политики, управления персоналом и внедрения инновационных технологий для повышения эффективности работы предприятий. Эффективные стратегии обслуживания и управления помогут семейным предприятиям общественного питания увеличить свою долю на рынке.

Ushbu tadqiqotda yuqori tartibli hosila oldida kichik parametr mavjud bo‘lgan differensial tenglamani sonli yechish masalasi ko‘rib chiqiladi. Bu turdagi tenglamalar, ayniqsa, fizikadagi ko‘plab modellashtirishlarda, masalan, issiqlik o'tkazuvchanligi, diffuziya, suyuqliklar harakati kabi jarayonlarda uchraydi. Ular o‘ziga xos xususiyatga ega bo‘lib, kichik parametr sababli qatlam hosil bo‘lishi, yechimda keskin o‘zgarishlar yuzaga kelishiga olib keladi. Dastlab integrallash metodi — bu masalalarni sonli yechishda barqaror, yuqori aniqlikdagi natijalarni beruvchi qudratli yondashuvdir. Tadqiqotda ushbu metodning qo‘llanilish xususiyatlari, afzalliklari va yechimning sezgirlik zonalariga ta’siri tahlil qilinadi. Natijalar shuni ko‘rsatadiki, metod kichik parametrli murakkab masalalarni ishonchli hal etishda samarali vositadir.

В данной статье размышляется о проблеме бездействия на примере романа И.А. Гончарова «Обломов».

Ushbu tezisda investitsion muhitga ta’sir etuvchi asosiy omillar, ularning o‘ziga xos xususiyatlari yoritib berilgan. 

Zamonaviy dunyoda reklama yetakchi rol o’ynaydi. Mahsulotni targ’ib qilish vositalarisiz, bizning zamonamizning eng mashhur brendlari haqida kam odam biladi. Sanoatning boshqa tarmoqlari kabi reklama ham iqtisodiyot rivojiga hissa qo’shadi, ular faoliyatida yangi mahsulotlar va tegishli xizmatlarni samarali ilgari surishini ta’minlaydi. Reklamalar bugungi kunda hayotimizning ajralmas qismiga aylanib ulgurgan. Ulardan tovarlar xarid qilishda, ish va xizmatlarga buyurtma berishda foydalanamiz. Mazkur maqolada shu haqida fikr yuritamiz

Turizm global iqtisodiyotning muhim yo’nalishiga aylandi va albatta sport bu sohada iqtisodiyotga o’z ta’sirini ko’rsatmay qolmaydi. Sport turizmi  turizmning eng oldi sohalaridan bo’lib, u mamlakatning iqtisodiy yaxshilanishida va mamlakatlararo turistlar almashinuvida muhim o’rin tutadi. Ushbu maqola sport turizmining paydo bo‘lish tarixi, asosiy rivojlanish bosqichlari va iqtisodiyotga bo’lgan ta’sirini tahlil qiladi.

This article explores the methods of translating English and Uzbek phraseological units containing the component "mouth"/"og‘iz." It highlights the significance of considering cultural, historical, and linguistic aspects to ensure accurate and idiomatic translation. The study emphasizes that literal translation of such idioms may lead to misinterpretation or loss of meaning, and therefore, equivalence in message rather than form is crucial. Based on a comparative analysis, the phraseological units were categorized into three groups by their degree of adequacy: fully adequate (22%), partially adequate (30%), and inadequate (48%). The research demonstrates that partially and inadequately matched idioms can be translated effectively by finding analogs or through contextual adaptation. Furthermore, the paper underlines the vital role of the translator, whose deep knowledge of the source and target cultures, language systems, and stylistic usage is necessary for successful translation. The findings contribute to the development of linguoculturological approaches and enrich the understanding of interlingual equivalence in phraseological translation.

Efficient housing stock management is a fundamental component of urban development and social stability. This paper explores the international practices of housing stock management in selected countries, including Germany, Singapore, the Netherlands, and Sweden. By comparing institutional frameworks, financing mechanisms, regulatory approaches, and public-private partnerships, the study identifies critical success factors and challenges. The analysis provides valuable insights for transitional economies, particularly Uzbekistan, in developing a modern, inclusive, and sustainable housing management system.

Banks provide financing for all areas of entrepreneurship, production and non-production spheres, management spheres and fill the budget with necessary funds. Without a developed network of banks operating on a commercial basis, the desire to create a real and effective market mechanism remains only a pious wish.

The Jadidism movement, its function in education, and its progressive ideals of enlightenment are highlighted in this article. In the late 19^th and early 20^th centuries, the Jadidism movement arose in Central Asia as an enlightenment movement. Its founders wanted to eradicate illiteracy and advance society by combining secular and religious knowledge. The article examines Mahmudhoja Behbudi’s and other Jadids’ attempts to educate and increase public awareness through the creation of new-method schools, newspaper and journal publishing, and play staging. The Jadids’ fight against colonialism, the persecution and repression they endured under the Soviet Union, and their goals for national liberation are also covered. The significance of researching and taking lessons from the Jadids’ legacy in contemporary Uzbekistan is emphasised in the article.

Maqolada yoshlarning bandlik masalalari boʻyicha olib borilayotgan choratadbirlar, statistik ma’lumotlar hamda ushbu masalaga oid taklif va tavsiyalar berilgan. Yoshlarning bandligini ta’minlashda oʻzini oʻzi boshqarish organlarini oʻrni va bugungi kunda mahallalarda tashkil etilgan yangi lavozimlarning amalga oshiriladigan ishlar tahlil qilingan. Oʻzbekiston Respublikasining ishsizlik darajasi, yoshlar bilan ishlashning yangicha boshqaruv mexanizmlarini joriy etish, ular bilan ishlashning vertikal tizimini yaratish, yoshlar muammolarini bevosita mahallalarda hal etish ta’lim muassasalarida ma’naviy-ma’rifiy va tarbiyaviy ishlarning samaradorligini yanada oshirish yo’llari ko’rsatib berilgan.

Ushbu maqolada atoqli adib Xayriddin Sultonovning badiiy asarlarida individual leksik birliklar tahlili. Yozuvchining o'ziga xos uslubi, uning til boyligi, kontekstga mos so'z tanlovi va yangi ma'no kasb etgan birliklar lingvistik uskuna o'rganiladi.

Ushbu maqolada reklama xizmatlari sohasida uchrayotgan asosiy muammolar, ularning yuzaga kelish sabablari hamda ularni samarali hal etish yo‘llari tahlil qilingan. Xususan, reklama mahsulotlarining sifat darajasi, kreativlikning yetishmasligi, raqamli platformalardan to‘liq foydalanilmasligi, malakali kadrlar tanqisligi kabi dolzarb masalalar yoritilgan. Shuningdek, milliy va xorijiy tajriba asosida reklama xizmatlarida raqobatbardoshlikni ta'minlash, xizmat sifati va samaradorligini oshirishga qaratilgan amaliy tavsiyalar ishlab chiqilgan.

In the digital age, Information Technology (IT) and media literacy have transformed English language learning by offering interactive, personalized, and accessible tools to enhance language proficiency. This article explores the impact of IT and media on English skills, focusing on resources such as language learning apps, social media platforms, podcasts, and educational websites. The study highlights how digital tools foster the development of reading, writing, speaking, and listening skills, offering learners flexible and engaging methods for language practice. However, the article also discusses challenges such as information overload, distractions, and access inequality. The findings suggest that when used effectively, IT and media can significantly boost English proficiency, but a balanced and thoughtful approach is necessary to mitigate potential drawbacks.

Liver diseases, especially acute toxic, ischemic and alcoholic liver damage, remain one of the main causes of liver failure. The purpose of the study:

Cerebrovascular diseases occupy the second place in the structure of mortality and the first place in the structure of primary disability. At the same time, the proportion of ischemic strokes in the population is 80%, of which 11-15% occur in young people. There are over 1 million people who have suffered a stroke in the Russian Federation, and one third of them are people of working age. Only 40% of young people with a diagnosed ischemic stroke return to work.

Mazkur ilmiy ishda ta’lim muassasalarini davlat budjeti hisobidan moliyalashtirish tizimi tahlil qilinadi hamda ushbu jarayonni takomillashtirish bo‘yicha amaliy va nazariy takliflar ishlab chiqiladi. O‘zbekiston Respublikasida ta’lim tizimining moliyaviy barqarorligini ta’minlash, ta’lim sifati va samaradorligini oshirish maqsadida budjetdan ajratilayotgan mablag‘larning taqsimoti va ulardan foydalanish mexanizmlari qayta ko‘rib chiqilmoqda. Tadqiqotda mavjud moliyalashtirish tizimining afzalliklari va kamchiliklari aniqlanib, xalqaro tajriba asosida natijadorlikka asoslangan budjetlash (PBB – performance-based budgeting) modelining joriy etilishi taklif etiladi.

Maqolada kuzgi bug‘doy doni sut-mum pishish fazasiga kirganda sulfat ammoniy mineral o‘g‘iti bilan gektariga 30-40 kg me’yorda qo‘llanilganda, don hosildorligi 65,2-65,0 s/ga ni, qo‘shimcha hosil esa 1,2-1,3 s/ga oshganligi va donning kimyoviy tarkibi, shaffofligi 3-4 % ga va kleykovina miqdori 1,2-1,3% ga yuqori bo‘lganligi aniqlandi.

This thesis examines how climate change affects education by disrupting school access, damaging infrastructure, and displacing students and teachers. It also explores the need for climate education and suggests strategies to build resilient education systems. The study uses case studies and existing research to highlight key impacts and solutions.

Efficient housing stock management is a fundamental component of urban development and social stability. This paper explores the international practices of housing stock management in selected countries, including Germany, Singapore, the Netherlands, and Sweden. By comparing institutional frameworks, financing mechanisms, regulatory approaches, and public-private partnerships, the study identifies critical success factors and challenges. The analysis provides valuable insights for transitional economies, particularly Uzbekistan, in developing a modern, inclusive, and sustainable housing management system.