IMPACT OF MICROFINANCE AND MICROCREDIT SYSTEMS ON REGIONAL DEVELOPMENT IN UZBEKISTAN

Authors

  • Egamova Gulzor Abdrimovna

Keywords:

microfinance institutions, microcredit, regional development, financial inclusion, poverty alleviation, women's empowerment, rural finance, small business development, Fergana Valley, credit constraints

Abstract

This thesis examines microfinance impact on regional development in Uzbekistan through panel data analysis (2020-2024), demonstrating that 10 percentage point penetration increase associates with 2.4-3.2% poverty reduction and 14-18% higher small business formation.

 

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References

1. Armendáriz B., Morduch J. The Economics of Microfinance. – Cambridge: MIT Press, 2010. – 346 p.

2. Banerjee A., Duflo E. The Miracle of Microfinance? // American Economic Journal: Applied Economics. – 2015. – Vol. 7(1). – P. 22-53.

3. Central Bank of the Republic of Uzbekistan. Microfinance Market Development Report 2024. – Tashkent: CBU, 2024.

4. Presidential Decree PF-5992 of the Republic of Uzbekistan. May 18, 2020.

5. Presidential Decree PF-60 of the Republic of Uzbekistan. January 28, 2022.

6. World Bank. Global Financial Inclusion Database 2024. – Washington: World Bank, 2024.

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Published

2026-01-08

Issue

Vol. 3 No. 1 (2026): CONFERENCE ON THE ROLE AND IMPORTANCE OF SCIENCE IN THE MODERN WORLD

Section

Articles

How to Cite

IMPACT OF MICROFINANCE AND MICROCREDIT SYSTEMS ON REGIONAL DEVELOPMENT IN UZBEKISTAN. (2026). CONFERENCE ON THE ROLE AND IMPORTANCE OF SCIENCE IN THE MODERN WORLD, 3(1), 29-31. https://universalconference.us/index.php/crismw/article/view/6374