O‘ZBEKISTONDA ISLOMIY BANK TIZIMINI JORIY ETISHNING IQTISODIY ZARURATI VA RIVOJLANISH ISTIQBOLLARI
DOI:
https://doi.org/10.66493/xwg0dm03Keywords:
Islamic banking, Islamic finance system, interest-free financing, Islamic financial instruments, Murabaha, Mudaraba, Musharaka, Salam, Wakala, Islamic windows, Investment depositAbstract
The introduction of Islamic banking in Uzbekistan has become a priority for improving the financial system and enhancing financial inclusion. According to the Central Bank of the Republic of Uzbekistan, by 2030 at least ten fully-fledged Islamic banks are expected to operate, alongside licensed “Islamic windows” within conventional banks. Islamic finance not only addresses religious requirements but also serves as an effective mechanism for channeling informal economic funds into the formal financial system and financing the real sector. Research indicates that Islamic banking can significantly contribute to financial inclusion, strengthen competition among banks, and promote investment activity. However, the successful implementation of the system depends on the development of a robust legal and regulatory framework, qualified personnel, and the adaptation of international best practices to national conditions.
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