O‘ZBEKISTONDA AN’ANAVIY BANKLAR TIZIMIDA ISLOMIY BANK XIZMATLARI (ISLOMIY DARCHALAR)NI RIVOJLANTIRISH VA MIJOZLAR OQIMINI JALB ETISH MEXANIZMLARINI TAKOMILLASHTIRISH: MUAMMOLAR VA YECHIMLAR
Keywords:
Kalit so‘zlar: islomiy bank xizmatlari, islomiy darcha, an’anaviy bank tizimi, islomiy moliya, mijozlar oqimi, mijozlarni jalb etish, moliyaviy mahsulotlar, marketing strategiyasi, raqamli bank xizmatlari, moliyaviy savodxonlik, shariat tamoyillari., Keywords: Islamic banking services, Islamic window, conventional banking system, Islamic finance, customer acquisition, customer flow, financial products, marketing strategy, digital banking services, financial literacy, Sharia principles.Abstract
Annotatsiya. Ushbu maqolada O‘zbekiston an’anaviy bank tizimida islomiy bank xizmatlarini, xususan, “islomiy darchalar” faoliyatini rivojlantirish hamda ularga mijozlar oqimini jalb etish mexanizmlarini takomillashtirish masalalari o‘rganilgan. Islomiy moliya xizmatlarini joriy etishda uchraydigan huquqiy-me’yoriy, institutsional, moliyaviy va tashkiliy muammolar, shuningdek, malakali mutaxassislar yetishmasligi hamda aholining islomiy moliya bo‘yicha xabardorlik darajasi pastligi tahlil qilingan. Mijozlarning ehtiyoj va talablarini hisobga olgan holda, islomiy darchalar faoliyatini kengaytirish, zamonaviy moliyaviy mahsulotlarni ishlab chiqish, raqamli xizmatlardan foydalanish, marketing strategiyalarini takomillashtirish va aholining moliyaviy savodxonligini oshirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan. Mazkur takliflar bank xizmatlarining ommabopligini oshirish, yangi mijozlarni jalb qilish hamda O‘zbekistonda islomiy moliya bozorining barqaror rivojlanishiga xizmat qiladi.
Abstract. This article examines the development of Islamic banking services, particularly Islamic windows, within Uzbekistan’s conventional banking system and explores mechanisms for attracting customers. It analyzes the principal legal, regulatory, institutional, financial, and organizational challenges associated with introducing Islamic financial services, including the shortage of qualified specialists and the limited public awareness of Islamic finance. Considering customers’ needs and expectations, the article proposes practical recommendations for expanding Islamic window operations, developing modern Sharia-compliant financial products, introducing digital services, improving marketing strategies, and enhancing financial literacy. The proposed measures aim to increase the accessibility of Islamic banking services, attract new customers, and support the sustainable development of the Islamic finance market in Uzbekistan.
