Vol. 1 No. 9 (2025), Articles
Vol. 1 No. 9 (2025)

RAQAMLI IQTISODIYOT SHAROITIDA MOLIYAVIY SAVODXONLIKNING AHAMIYATI

Articles
Published 2025-09-21
Orolov Javohir Davron oʻgʻli
Toshkent to'qimachilik va yengil sanoat instituti, assistent lavozimida
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Keywords

Moliyaviy savodxonlik, raqamli iqtisodiyot, shaxsiy moliya, investitsiya, kredit, tejash, onlayn moliya, moliyaviy barqarorlik.

Abstract

Raqamli iqtisodiyot sharoitida moliyaviy savodxonlik zamonaviy jamiyat uchun muhim ko‘nikmalardan biridir. Texnologik rivojlanish va raqamli moliya vositalarining kengayishi shaxslarning moliyaviy qarorlar qabul qilish qobiliyatiga bevosita ta’sir ko‘rsatadi. Ushbu maqolada moliyaviy savodxonlikning ahamiyati, uning raqamli iqtisodiyotdagi o‘rni, shuningdek, iqtisodiy barqarorlik va shaxsiy moliya boshqaruvi uchun zarur bo‘lgan ko‘nikmalar tahlil qilinadi. Tadqiqot shuni ko‘rsatadiki, moliyaviy savodxonlik darajasi yuqori bo‘lgan shaxslar investitsiya, kredit va tejash bilan bog‘liq qarorlarni ongli ravishda qabul qila oladi. Shu bilan birga, raqamli moliya vositalari va onlayn bank xizmatlaridan samarali foydalanish moliyaviy xatarlardan himoyalanish imkonini oshiradi. Maqola zamonaviy raqamli iqtisodiyot sharoitida moliyaviy savodxonlikni oshirish strategiyalari va metodlarini ham muhokama qiladi.

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