ISLOMIY MOLIYA MAHSULOTLARIGA BO'LGAN TALABNI STATISTIK SO'ROVNOMA TAHLILI ASOSIDA BAHOLASH
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Keywords

islomiy moliya, talab, so'rovnoma, xabardorlik, moliyaviy inklyuziya, shariat, sukuk, ribo, O'zbekiston.

Abstract

Ushbu maqolada O'zbekistonda islomiy moliya mahsulotlariga bo'lgan talab bir nechta nashr etilgan empirik tadqiqotlar (so'rovnomalar) natijalarini qiyosiy tahlil qilish orqali baholanadi. Tahlilda aholining an'anaviy foizli bank xizmatlariga munosabati, islomiy moliya mahsulotlari haqidagi xabardorlik darajasi, ularga nisbatan shariat muvofiqligi mezonining ahamiyati hamda mutaxassislarning institutsional to'siqlarga oid qarashlari ko'rib chiqilgan. Tahlil uchun Umarov va boshqalar (2024), Asadov (2024), Abdullayev va boshqalar (2023), Uktamov va boshqalar (2021) hamda boshqa mualliflarning nashr etilgan empirik natijalaridan foydalanilgan. Natijalar O'zbekistonda islomiy moliyaga bo'lgan talab yuqori ekanligini, biroq xabardorlik va huquqiy infratuzilma yetishmovchiligi bu talabning amalga oshishini cheklayotganini ko'rsatadi.

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