Central Asian Journal of Economics and Management

SPECIFIC FEATURES OF THE TRANSFORMATION PROCESS IN OPTIMIZING THE EXPENSES OF COMMERCIAL BANKS

2026-03-13T15:47:37+00:00

This article analyzes the specific features of the transformation process in optimizing the expenses of commercial banks. In modern economic conditions, the rapid development of digital technologies, increasing competition, and changing customer demands require significant improvements in banking activities. Therefore, the implementation of transformation processes in commercial banks has become an important factor for improving efficiency. The study examines the main types of bank expenses, mechanisms for their effective management, and methods for optimizing costs during the transformation process. In addition, the possibilities of reducing operational costs through digital transformation, automation of business processes, optimization of branch networks, and the introduction of modern management approaches are discussed. The results of the study show that the transformation process plays an important role in improving the efficiency of banks, strengthening financial stability, and enhancing the quality of banking services.

WOMEN’S ENTREPRENEURSHIP IN UZBEKISTAN: DEVELOPMENT TRENDS AND ANALYSIS OF ECONOMIC INDICATORS

2026-05-14T05:14:20+00:00

This article systematically analyzes the current state of women’s entrepreneurship in Uzbekistan, its development trends, and its role in the national economy. The study examines the growth in the number of women-led enterprises, their distribution by sectors and regions, as well as the dynamics of net profit using the Pareto method. In addition, the article highlights the organizational and economic mechanisms supporting women’s entrepreneurship, particularly the importance of preferential loans provided by commercial banks and international initiatives.

EVALUATION OF THE ECONOMIC MECHANISM OF MANAGEMENT OF TEXTILE INDUSTRY ENTERPRISES OF PAKHTABAD DISTRICT

2026-05-25T04:34:06+00:00

This article analyzes the issues of evaluating the economic mechanism for managing textile industry enterprises in Pakhtabad district. The study examines the role of the textile industry in the economy of Uzbekistan, including its share in gross domestic product, its importance in industrial production, and its export potential based on statistical indicators. Using the example of Pakhtabad district, the research investigates production volumes, export-import performance, investment activity, and management efficiency of textile enterprises. The study employs methods such as economic analysis, comparative comparison, statistical grouping, and the use of absolute and relative indicators. The article highlights the steady growth of textile production volumes during 2017–2025, the increase in the share of finished products, and the expansion of export geography. At the same time, several challenges were identified, including underutilization of production capacities, insufficient development of logistics systems, a shortage of qualified management personnel, and the low level of implementation of innovative technologies. Based on the findings, scientific and practical recommendations were developed to improve the competitiveness of the industry, accelerate technological modernization, deepen raw material processing, and expand the cluster-based production system. The proposed measures are aimed at increasing the efficiency of regional textile enterprises and strengthening their export potential in domestic and international markets.