RAQAMLI IQTISODIYOT SHAROITIDA XOTIN-QIZLARNING MOLIYAVIY SAVODXONLIGINI OSHIRISH MEXANIZMLARINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.23276565Annotatsiya
Maqolada raqamli iqtisodiyot sharoitida O‘zbekiston xotin-qizlarining moliyaviy savodxonligini oshirish mexanizmlari tahlil qilinib, ularni takomillashtirish yo‘nalishlari asoslab beriladi. Tadqiqot Jahon bankining Global Findex 2025 ma’lumotlari, Markaziy bankning 2025-yilgi moliyaviy inklyuziya indekslari, ADB, IFC va OECD/INFE hisobotlari hamda milliy ilmiy adabiyotlar asosida qiyosiy-tahliliy va tizimli tahlil usullarida bajarildi. Natijalar xotin-qizlar uchun bank hisobiga ega bo‘lishda jinslararo tafovut deyarli yo‘qolganini (86%), biroq hisobga ega bo‘lish bilan uni faol va maqsadli ishlatish o‘rtasidagi tafovut saqlanayotganini ko‘rsatadi: xotin-qizlarning atigi 6 foizi jamg‘arma yoki muddatli depozit hisobiga, 19 foizi bank kredit hisobiga ega. Muallif “kirish – ko‘nikma – faol foydalanish – himoya” mantiqiga asoslangan to‘rt yo‘nalishli mexanizmni taklif etadi: gender-sezgir raqamli mahsulot dizayni, mahalla tizimiga tayanuvchi moliyaviy ta’lim, firibgarlikdan himoya ko‘nikmalari va jinsga ajratilgan monitoring. Maqolaning ilmiy yangiligi xotin-qizlar moliyaviy savodxonligini faqat ta’lim nuqtai nazaridan emas, balki hisob ochishdan faol foydalanishgacha bo‘lgan mijoz yo‘li bo‘yicha baholash va uning har bir bosqichiga mos ko‘rsatkichlar tizimini taklif etishdan iborat. Taklif etilgan mexanizm moliyaviy ta’lim siyosatini shakllantiruvchi organlar, tijorat banklari va ta’lim muassasalari faoliyatida qo‘llanilishi mumkin.Kalit soʻzlar
moliyaviy savodxonlik, raqamli iqtisodiyot, xotin-qizlar, moliyaviy inklyuziya, raqamli to‘lovlar, moliyaviy ta’lim, gender tafovut, mexanizm, jamg‘arma, O‘zbekiston.Foydalanilgan adabiyotlar roʻyxati
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