“ИҚТИСОДИЁТ ТАРМОҚЛАРИНИ КРЕДИТЛАШ ЖАРАЁНИДА КРЕДИТНИНГ ҚАЙТМАСЛИК ДАРАЖАСИ ТАҲЛИЛИ” (2025) Multidisciplinary Journal of Science and Technology, 5(1), pp. 570–579. Available at: https://mjstjournal.com/index.php/mjst/article/view/2532 (Accessed: 16 June 2026).