IMPROVING THE FINANCING OF FAMILY ENTREPRENEURSHIP ENTITIES IN UZBEKISTAN THROUGH BANK LOANS
Keywords:
Family entrepreneurship.Family business development.Bank financing.Access to credit.Micro and small enterprises (MSEs).Credit guarantee schemes.Financial inclusion.UzbekistanAbstract
Family entrepreneurship plays a critical role in Uzbekistan’s socio-economic development, especially in promoting employment, reducing poverty, and enhancing regional development. However, limited access to affordable financial resources continues to constrain growth. This paper explores the current state of family entrepreneurship financing in Uzbekistan, identifies key challenges, and proposes mechanisms for improving access to bank credit. Statistical analysis and comparative evaluation of lending practices are presented. Policy recommendations are provided to align banking mechanisms with the long-term objectives of inclusive economic growth.
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References
• Beck, T., & Demirgüç-Kunt, A. (2006). Small and Medium-Size Enterprises: Access to Finance as a Growth Constraint. Journal of Banking & Finance.
• World Bank. (2021). Financing Small and Medium Enterprises in Central Asia.
• State Statistics Committee of Uzbekistan (2023). Annual Economic Report.
