id	sid	tid	token	lemma	pos
ajbmeb-3173	1	1	american	american	PROPN
ajbmeb-3173	1	2	journal	journal	PROPN
ajbmeb-3173	1	3	of	of	ADP
ajbmeb-3173	1	4	business	business	NOUN
ajbmeb-3173	1	5	management	management	NOUN
ajbmeb-3173	1	6	,	,	PUNCT
ajbmeb-3173	1	7	economics	economic	NOUN
ajbmeb-3173	1	8	and	and	CCONJ
ajbmeb-3173	1	9	banking	banking	NOUN
ajbmeb-3173	1	10	issn	issn	PROPN
ajbmeb-3173	1	11	(	(	PUNCT
ajbmeb-3173	1	12	e	e	NOUN
ajbmeb-3173	1	13	):	):	PUNCT
ajbmeb-3173	1	14	2832	2832	NUM
ajbmeb-3173	1	15	-	-	SYM
ajbmeb-3173	1	16	8078	8078	NUM
ajbmeb-3173	1	17	volume	volume	NOUN
ajbmeb-3173	1	18	42	42	NUM
ajbmeb-3173	1	19	,	,	PUNCT
ajbmeb-3173	1	20	november	november	PROPN
ajbmeb-3173	1	21	2025	2025	NUM
ajbmeb-3173	1	22	p	p	NOUN
ajbmeb-3173	1	23	a	a	DET
ajbmeb-3173	1	24	g	g	NOUN
ajbmeb-3173	1	25	e	e	NOUN
ajbmeb-3173	1	26	|	|	ADV
ajbmeb-3173	1	27	36	36	NUM
ajbmeb-3173	1	28	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3173	1	29	small	small	ADJ
ajbmeb-3173	1	30	business	business	NOUN
ajbmeb-3173	1	31	lending	lending	NOUN
ajbmeb-3173	1	32	is	be	AUX
ajbmeb-3173	1	33	the	the	DET
ajbmeb-3173	1	34	key	key	NOUN
ajbmeb-3173	1	35	to	to	ADP
ajbmeb-3173	1	36	the	the	DET
ajbmeb-3173	1	37	country	country	NOUN
ajbmeb-3173	1	38	's	's	PART
ajbmeb-3173	1	39	development	development	NOUN
ajbmeb-3173	1	40	ortikov	ortikov	PROPN
ajbmeb-3173	1	41	ulugbek	ulugbek	PROPN
ajbmeb-3173	1	42	akrombek	akrombek	VERB
ajbmeb-3173	1	43	ugli	ugli	ADJ
ajbmeb-3173	1	44	senior	senior	ADJ
ajbmeb-3173	1	45	teacher	teacher	NOUN
ajbmeb-3173	1	46	of	of	ADP
ajbmeb-3173	1	47	the	the	DET
ajbmeb-3173	1	48	department	department	NOUN
ajbmeb-3173	1	49	budget	budget	NOUN
ajbmeb-3173	1	50	accounting	accounting	PROPN
ajbmeb-3173	1	51	and	and	CCONJ
ajbmeb-3173	1	52	treasury	treasury	PROPN
ajbmeb-3173	1	53	tashkent	tashkent	PROPN
ajbmeb-3173	1	54	state	state	PROPN
ajbmeb-3173	1	55	the	the	DET
ajbmeb-3173	1	56	university	university	PROPN
ajbmeb-3173	1	57	of	of	ADP
ajbmeb-3173	1	58	economics	economics	PROPN
ajbmeb-3173	1	59	e-mail:ortiqovulughbek@gmail.com	e-mail:ortiqovulughbek@gmail.com	X
ajbmeb-3173	2	1	a	a	DET
ajbmeb-3173	2	2	b	b	PROPN
ajbmeb-3173	2	3	s	s	ADP
ajbmeb-3173	2	4	t	t	PROPN
ajbmeb-3173	2	5	r	r	NOUN
ajbmeb-3173	2	6	a	a	DET
ajbmeb-3173	2	7	c	c	NOUN
ajbmeb-3173	2	8	t	t	NOUN
ajbmeb-3173	2	9	k	k	X
ajbmeb-3173	2	10	e	e	PROPN
ajbmeb-3173	2	11	y	y	PROPN
ajbmeb-3173	2	12	w	w	NOUN
ajbmeb-3173	2	13	o	o	NOUN
ajbmeb-3173	2	14	r	r	NOUN
ajbmeb-3173	2	15	d	d	NOUN
ajbmeb-3173	2	16	s	s	AUX
ajbmeb-3173	2	17	lending	lending	NOUN
ajbmeb-3173	2	18	to	to	ADP
ajbmeb-3173	2	19	small	small	ADJ
ajbmeb-3173	2	20	businesses	business	NOUN
ajbmeb-3173	2	21	and	and	CCONJ
ajbmeb-3173	2	22	private	private	ADJ
ajbmeb-3173	2	23	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	2	24	plays	play	VERB
ajbmeb-3173	2	25	an	an	DET
ajbmeb-3173	2	26	important	important	ADJ
ajbmeb-3173	2	27	role	role	NOUN
ajbmeb-3173	2	28	in	in	ADP
ajbmeb-3173	2	29	gdp	gdp	NOUN
ajbmeb-3173	2	30	growth	growth	NOUN
ajbmeb-3173	2	31	and	and	CCONJ
ajbmeb-3173	2	32	in	in	ADP
ajbmeb-3173	2	33	the	the	DET
ajbmeb-3173	2	34	development	development	NOUN
ajbmeb-3173	2	35	of	of	ADP
ajbmeb-3173	2	36	the	the	DET
ajbmeb-3173	2	37	country	country	NOUN
ajbmeb-3173	2	38	's	's	PART
ajbmeb-3173	2	39	economy	economy	NOUN
ajbmeb-3173	2	40	.	.	PUNCT
ajbmeb-3173	3	1	crediting	credit	VERB
ajbmeb-3173	3	2	small	small	ADJ
ajbmeb-3173	3	3	business	business	NOUN
ajbmeb-3173	3	4	and	and	CCONJ
ajbmeb-3173	3	5	private	private	ADJ
ajbmeb-3173	3	6	business	business	NOUN
ajbmeb-3173	3	7	plays	play	VERB
ajbmeb-3173	3	8	main	main	ADJ
ajbmeb-3173	3	9	role	role	NOUN
ajbmeb-3173	3	10	in	in	ADP
ajbmeb-3173	3	11	increasing	increase	VERB
ajbmeb-3173	3	12	gdp	gdp	NOUN
ajbmeb-3173	3	13	and	and	CCONJ
ajbmeb-3173	3	14	developing	develop	VERB
ajbmeb-3173	3	15	economy	economy	NOUN
ajbmeb-3173	3	16	of	of	ADP
ajbmeb-3173	3	17	the	the	DET
ajbmeb-3173	3	18	country	country	NOUN
ajbmeb-3173	3	19	.	.	PUNCT
ajbmeb-3173	4	1	small	small	ADJ
ajbmeb-3173	4	2	business	business	NOUN
ajbmeb-3173	4	3	,	,	PUNCT
ajbmeb-3173	4	4	private	private	ADJ
ajbmeb-3173	4	5	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	4	6	,	,	PUNCT
ajbmeb-3173	4	7	credit	credit	NOUN
ajbmeb-3173	4	8	,	,	PUNCT
ajbmeb-3173	4	9	micro	micro	NOUN
ajbmeb-3173	4	10	-	-	NOUN
ajbmeb-3173	4	11	credit	credit	NOUN
ajbmeb-3173	4	12	,	,	PUNCT
ajbmeb-3173	4	13	domestic	domestic	ADJ
ajbmeb-3173	4	14	ox	ox	NOUN
ajbmeb-3173	4	15	product	product	NOUN
ajbmeb-3173	4	16	,	,	PUNCT
ajbmeb-3173	4	17	cash	cash	NOUN
ajbmeb-3173	4	18	,	,	PUNCT
ajbmeb-3173	4	19	credit	credit	NOUN
ajbmeb-3173	4	20	lines	line	NOUN
ajbmeb-3173	4	21	.	.	PUNCT
ajbmeb-3173	5	1	introduction	introduction	NOUN
ajbmeb-3173	5	2	in	in	ADP
ajbmeb-3173	5	3	both	both	DET
ajbmeb-3173	5	4	developed	developed	ADJ
ajbmeb-3173	5	5	and	and	CCONJ
ajbmeb-3173	5	6	developing	develop	VERB
ajbmeb-3173	5	7	countries	country	NOUN
ajbmeb-3173	5	8	,	,	PUNCT
ajbmeb-3173	5	9	the	the	DET
ajbmeb-3173	5	10	development	development	NOUN
ajbmeb-3173	5	11	of	of	ADP
ajbmeb-3173	5	12	the	the	DET
ajbmeb-3173	5	13	economy	economy	NOUN
ajbmeb-3173	5	14	is	be	AUX
ajbmeb-3173	5	15	inextricably	inextricably	ADV
ajbmeb-3173	5	16	linked	link	VERB
ajbmeb-3173	5	17	to	to	ADP
ajbmeb-3173	5	18	credit	credit	NOUN
ajbmeb-3173	5	19	,	,	PUNCT
ajbmeb-3173	5	20	which	which	PRON
ajbmeb-3173	5	21	in	in	ADP
ajbmeb-3173	5	22	various	various	ADJ
ajbmeb-3173	5	23	forms	form	NOUN
ajbmeb-3173	5	24	penetrates	penetrate	VERB
ajbmeb-3173	5	25	all	all	DET
ajbmeb-3173	5	26	spheres	sphere	NOUN
ajbmeb-3173	5	27	of	of	ADP
ajbmeb-3173	5	28	life	life	NOUN
ajbmeb-3173	5	29	.	.	PUNCT
ajbmeb-3173	6	1	this	this	PRON
ajbmeb-3173	6	2	is	be	AUX
ajbmeb-3173	6	3	due	due	ADJ
ajbmeb-3173	6	4	to	to	ADP
ajbmeb-3173	6	5	the	the	DET
ajbmeb-3173	6	6	expansion	expansion	NOUN
ajbmeb-3173	6	7	of	of	ADP
ajbmeb-3173	6	8	the	the	DET
ajbmeb-3173	6	9	range	range	NOUN
ajbmeb-3173	6	10	of	of	ADP
ajbmeb-3173	6	11	operations	operation	NOUN
ajbmeb-3173	6	12	of	of	ADP
ajbmeb-3173	6	13	banks	bank	NOUN
ajbmeb-3173	6	14	,	,	PUNCT
ajbmeb-3173	6	15	including	include	VERB
ajbmeb-3173	6	16	in	in	ADP
ajbmeb-3173	6	17	the	the	DET
ajbmeb-3173	6	18	field	field	NOUN
ajbmeb-3173	6	19	of	of	ADP
ajbmeb-3173	6	20	lending	lending	NOUN
ajbmeb-3173	6	21	.	.	PUNCT
ajbmeb-3173	7	1	performing	perform	VERB
ajbmeb-3173	7	2	banking	banking	NOUN
ajbmeb-3173	7	3	operations	operation	NOUN
ajbmeb-3173	7	4	with	with	ADP
ajbmeb-3173	7	5	a	a	DET
ajbmeb-3173	7	6	broad	broad	ADJ
ajbmeb-3173	7	7	clientele	clientele	NOUN
ajbmeb-3173	7	8	is	be	AUX
ajbmeb-3173	7	9	an	an	DET
ajbmeb-3173	7	10	important	important	ADJ
ajbmeb-3173	7	11	feature	feature	NOUN
ajbmeb-3173	7	12	of	of	ADP
ajbmeb-3173	7	13	modern	modern	ADJ
ajbmeb-3173	7	14	banking	banking	NOUN
ajbmeb-3173	7	15	activities	activity	NOUN
ajbmeb-3173	7	16	in	in	ADP
ajbmeb-3173	7	17	all	all	DET
ajbmeb-3173	7	18	countries	country	NOUN
ajbmeb-3173	7	19	of	of	ADP
ajbmeb-3173	7	20	the	the	DET
ajbmeb-3173	7	21	world	world	NOUN
ajbmeb-3173	7	22	with	with	ADP
ajbmeb-3173	7	23	a	a	DET
ajbmeb-3173	7	24	developed	develop	VERB
ajbmeb-3173	7	25	credit	credit	NOUN
ajbmeb-3173	7	26	system	system	NOUN
ajbmeb-3173	7	27	.	.	PUNCT
ajbmeb-3173	8	1	the	the	DET
ajbmeb-3173	8	2	existence	existence	NOUN
ajbmeb-3173	8	3	of	of	ADP
ajbmeb-3173	8	4	small	small	ADJ
ajbmeb-3173	8	5	business	business	NOUN
ajbmeb-3173	8	6	and	and	CCONJ
ajbmeb-3173	8	7	private	private	ADJ
ajbmeb-3173	8	8	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	8	9	in	in	ADP
ajbmeb-3173	8	10	the	the	DET
ajbmeb-3173	8	11	country	country	NOUN
ajbmeb-3173	8	12	means	mean	VERB
ajbmeb-3173	8	13	the	the	DET
ajbmeb-3173	8	14	emergence	emergence	NOUN
ajbmeb-3173	8	15	of	of	ADP
ajbmeb-3173	8	16	a	a	DET
ajbmeb-3173	8	17	middle	middle	ADJ
ajbmeb-3173	8	18	class	class	NOUN
ajbmeb-3173	8	19	that	that	PRON
ajbmeb-3173	8	20	contributes	contribute	VERB
ajbmeb-3173	8	21	to	to	ADP
ajbmeb-3173	8	22	the	the	DET
ajbmeb-3173	8	23	normalization	normalization	NOUN
ajbmeb-3173	8	24	of	of	ADP
ajbmeb-3173	8	25	the	the	DET
ajbmeb-3173	8	26	economic	economic	ADJ
ajbmeb-3173	8	27	and	and	CCONJ
ajbmeb-3173	8	28	political	political	ADJ
ajbmeb-3173	8	29	situation	situation	NOUN
ajbmeb-3173	8	30	in	in	ADP
ajbmeb-3173	8	31	society	society	NOUN
ajbmeb-3173	8	32	.	.	PUNCT
ajbmeb-3173	9	1	as	as	ADP
ajbmeb-3173	9	2	the	the	DET
ajbmeb-3173	9	3	experience	experience	NOUN
ajbmeb-3173	9	4	of	of	ADP
ajbmeb-3173	9	5	countries	country	NOUN
ajbmeb-3173	9	6	that	that	PRON
ajbmeb-3173	9	7	achieved	achieve	VERB
ajbmeb-3173	9	8	a	a	DET
ajbmeb-3173	9	9	dominant	dominant	ADJ
ajbmeb-3173	9	10	position	position	NOUN
ajbmeb-3173	9	11	in	in	ADP
ajbmeb-3173	9	12	the	the	DET
ajbmeb-3173	9	13	global	global	ADJ
ajbmeb-3173	9	14	economy	economy	NOUN
ajbmeb-3173	9	15	shows	show	VERB
ajbmeb-3173	9	16	,	,	PUNCT
ajbmeb-3173	9	17	they	they	PRON
ajbmeb-3173	9	18	raised	raise	VERB
ajbmeb-3173	9	19	the	the	DET
ajbmeb-3173	9	20	standard	standard	NOUN
ajbmeb-3173	9	21	of	of	ADP
ajbmeb-3173	9	22	living	living	NOUN
ajbmeb-3173	9	23	of	of	ADP
ajbmeb-3173	9	24	the	the	DET
ajbmeb-3173	9	25	population	population	NOUN
ajbmeb-3173	9	26	by	by	ADP
ajbmeb-3173	9	27	developing	develop	VERB
ajbmeb-3173	9	28	small	small	ADJ
ajbmeb-3173	9	29	businesses	business	NOUN
ajbmeb-3173	9	30	and	and	CCONJ
ajbmeb-3173	9	31	private	private	ADJ
ajbmeb-3173	9	32	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	9	33	.	.	PUNCT
ajbmeb-3173	10	1	for	for	ADP
ajbmeb-3173	10	2	example	example	NOUN
ajbmeb-3173	10	3	,	,	PUNCT
ajbmeb-3173	10	4	the	the	DET
ajbmeb-3173	10	5	share	share	NOUN
ajbmeb-3173	10	6	of	of	ADP
ajbmeb-3173	10	7	small	small	ADJ
ajbmeb-3173	10	8	and	and	CCONJ
ajbmeb-3173	10	9	medium	medium	ADJ
ajbmeb-3173	10	10	-	-	PUNCT
ajbmeb-3173	10	11	sized	sized	ADJ
ajbmeb-3173	10	12	businesses	business	NOUN
ajbmeb-3173	10	13	in	in	ADP
ajbmeb-3173	10	14	the	the	DET
ajbmeb-3173	10	15	gross	gross	ADJ
ajbmeb-3173	10	16	domestic	domestic	ADJ
ajbmeb-3173	10	17	product	product	NOUN
ajbmeb-3173	10	18	of	of	ADP
ajbmeb-3173	10	19	the	the	DET
ajbmeb-3173	10	20	eu	eu	PROPN
ajbmeb-3173	10	21	member	member	PROPN
ajbmeb-3173	10	22	states	state	NOUN
ajbmeb-3173	10	23	is	be	AUX
ajbmeb-3173	10	24	67	67	NUM
ajbmeb-3173	10	25	%	%	NOUN
ajbmeb-3173	10	26	,	,	PUNCT
ajbmeb-3173	10	27	in	in	ADP
ajbmeb-3173	10	28	germany-65	germany-65	PROPN
ajbmeb-3173	10	29	%	%	NOUN
ajbmeb-3173	10	30	,	,	PUNCT
ajbmeb-3173	10	31	in	in	ADP
ajbmeb-3173	10	32	the	the	DET
ajbmeb-3173	10	33	usa-52	usa-52	NOUN
ajbmeb-3173	10	34	%	%	NOUN
ajbmeb-3173	10	35	.	.	PUNCT
ajbmeb-3173	11	1	in	in	ADP
ajbmeb-3173	11	2	japan	japan	PROPN
ajbmeb-3173	11	3	,	,	PUNCT
ajbmeb-3173	11	4	80	80	NUM
ajbmeb-3173	11	5	%	%	NOUN
ajbmeb-3173	11	6	of	of	ADP
ajbmeb-3173	11	7	the	the	DET
ajbmeb-3173	11	8	employed	employ	VERB
ajbmeb-3173	11	9	population	population	NOUN
ajbmeb-3173	11	10	,	,	PUNCT
ajbmeb-3173	11	11	in	in	ADP
ajbmeb-3173	11	12	the	the	DET
ajbmeb-3173	11	13	european	european	PROPN
ajbmeb-3173	11	14	union	union	PROPN
ajbmeb-3173	11	15	70	70	NUM
ajbmeb-3173	11	16	%	%	NOUN
ajbmeb-3173	11	17	work	work	VERB
ajbmeb-3173	11	18	insmall	insmall	ADJ
ajbmeb-3173	11	19	businesses	business	NOUN
ajbmeb-3173	11	20	and	and	CCONJ
ajbmeb-3173	11	21	private	private	ADJ
ajbmeb-3173	11	22	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	11	23	.	.	PUNCT
ajbmeb-3173	12	1	as	as	ADP
ajbmeb-3173	12	2	a	a	DET
ajbmeb-3173	12	3	rule	rule	NOUN
ajbmeb-3173	12	4	,	,	PUNCT
ajbmeb-3173	12	5	the	the	DET
ajbmeb-3173	12	6	source	source	NOUN
ajbmeb-3173	12	7	of	of	ADP
ajbmeb-3173	12	8	bank	bank	NOUN
ajbmeb-3173	12	9	lending	lending	NOUN
ajbmeb-3173	12	10	is	be	AUX
ajbmeb-3173	12	11	attracted	attract	VERB
ajbmeb-3173	12	12	funds	fund	NOUN
ajbmeb-3173	12	13	.	.	PUNCT
ajbmeb-3173	13	1	in	in	ADP
ajbmeb-3173	13	2	this	this	DET
ajbmeb-3173	13	3	regard	regard	NOUN
ajbmeb-3173	13	4	,	,	PUNCT
ajbmeb-3173	13	5	it	it	PRON
ajbmeb-3173	13	6	is	be	AUX
ajbmeb-3173	13	7	important	important	ADJ
ajbmeb-3173	13	8	to	to	PART
ajbmeb-3173	13	9	note	note	VERB
ajbmeb-3173	13	10	that	that	SCONJ
ajbmeb-3173	13	11	when	when	SCONJ
ajbmeb-3173	13	12	lending	lending	NOUN
ajbmeb-3173	13	13	,	,	PUNCT
ajbmeb-3173	13	14	the	the	DET
ajbmeb-3173	13	15	bank	bank	NOUN
ajbmeb-3173	13	16	risks	risk	VERB
ajbmeb-3173	13	17	not	not	PART
ajbmeb-3173	13	18	so	so	ADV
ajbmeb-3173	13	19	much	much	ADJ
ajbmeb-3173	13	20	its	its	PRON
ajbmeb-3173	13	21	own	own	ADJ
ajbmeb-3173	13	22	funds	fund	NOUN
ajbmeb-3173	13	23	,	,	PUNCT
ajbmeb-3173	13	24	which	which	PRON
ajbmeb-3173	13	25	is	be	AUX
ajbmeb-3173	13	26	also	also	ADV
ajbmeb-3173	13	27	possible	possible	ADJ
ajbmeb-3173	13	28	,	,	PUNCT
ajbmeb-3173	13	29	as	as	ADP
ajbmeb-3173	13	30	the	the	DET
ajbmeb-3173	13	31	funds	fund	NOUN
ajbmeb-3173	13	32	of	of	ADP
ajbmeb-3173	13	33	its	its	PRON
ajbmeb-3173	13	34	depositors	depositor	NOUN
ajbmeb-3173	13	35	.	.	PUNCT
ajbmeb-3173	14	1	this	this	PRON
ajbmeb-3173	14	2	means	mean	VERB
ajbmeb-3173	14	3	that	that	SCONJ
ajbmeb-3173	14	4	it	it	PRON
ajbmeb-3173	14	5	is	be	AUX
ajbmeb-3173	14	6	necessary	necessary	ADJ
ajbmeb-3173	14	7	to	to	PART
ajbmeb-3173	14	8	establish	establish	VERB
ajbmeb-3173	14	9	means	mean	NOUN
ajbmeb-3173	14	10	to	to	PART
ajbmeb-3173	14	11	protect	protect	VERB
ajbmeb-3173	14	12	the	the	DET
ajbmeb-3173	14	13	rights	right	NOUN
ajbmeb-3173	14	14	and	and	CCONJ
ajbmeb-3173	14	15	interests	interest	NOUN
ajbmeb-3173	14	16	of	of	ADP
ajbmeb-3173	14	17	depositors	depositor	NOUN
ajbmeb-3173	14	18	,	,	PUNCT
ajbmeb-3173	14	19	and	and	CCONJ
ajbmeb-3173	14	20	provide	provide	VERB
ajbmeb-3173	14	21	a	a	DET
ajbmeb-3173	14	22	mechanism	mechanism	NOUN
ajbmeb-3173	14	23	for	for	ADP
ajbmeb-3173	14	24	their	their	PRON
ajbmeb-3173	14	25	implementation	implementation	NOUN
ajbmeb-3173	14	26	.	.	PUNCT
ajbmeb-3173	15	1	moreover	moreover	ADV
ajbmeb-3173	15	2	,	,	PUNCT
ajbmeb-3173	15	3	this	this	PRON
ajbmeb-3173	15	4	should	should	AUX
ajbmeb-3173	15	5	be	be	AUX
ajbmeb-3173	15	6	done	do	VERB
ajbmeb-3173	15	7	not	not	PART
ajbmeb-3173	15	8	at	at	ADP
ajbmeb-3173	15	9	the	the	DET
ajbmeb-3173	15	10	level	level	NOUN
ajbmeb-3173	15	11	of	of	ADP
ajbmeb-3173	15	12	private	private	ADJ
ajbmeb-3173	15	13	legal	legal	ADJ
ajbmeb-3173	15	14	regulation	regulation	NOUN
ajbmeb-3173	15	15	,	,	PUNCT
ajbmeb-3173	15	16	but	but	CCONJ
ajbmeb-3173	15	17	by	by	ADP
ajbmeb-3173	15	18	establishing	establish	VERB
ajbmeb-3173	15	19	public	public	ADJ
ajbmeb-3173	15	20	legal	legal	ADJ
ajbmeb-3173	15	21	rules	rule	NOUN
ajbmeb-3173	15	22	.	.	PUNCT
ajbmeb-3173	16	1	in	in	ADP
ajbmeb-3173	16	2	order	order	NOUN
ajbmeb-3173	16	3	to	to	PART
ajbmeb-3173	16	4	further	far	ADV
ajbmeb-3173	16	5	improve	improve	VERB
ajbmeb-3173	16	6	the	the	DET
ajbmeb-3173	16	7	business	business	NOUN
ajbmeb-3173	16	8	climate	climate	NOUN
ajbmeb-3173	16	9	and	and	CCONJ
ajbmeb-3173	16	10	deepen	deepen	VERB
ajbmeb-3173	16	11	market	market	NOUN
ajbmeb-3173	16	12	reforms	reform	NOUN
ajbmeb-3173	16	13	,	,	PUNCT
ajbmeb-3173	16	14	to	to	PART
ajbmeb-3173	16	15	create	create	VERB
ajbmeb-3173	16	16	the	the	DET
ajbmeb-3173	16	17	most	most	ADV
ajbmeb-3173	16	18	favorable	favorable	ADJ
ajbmeb-3173	16	19	conditions	condition	NOUN
ajbmeb-3173	16	20	for	for	ADP
ajbmeb-3173	16	21	accelerating	accelerate	VERB
ajbmeb-3173	16	22	the	the	DET
ajbmeb-3173	16	23	development	development	NOUN
ajbmeb-3173	16	24	of	of	ADP
ajbmeb-3173	16	25	small	small	ADJ
ajbmeb-3173	16	26	businesses	business	NOUN
ajbmeb-3173	16	27	by	by	ADP
ajbmeb-3173	16	28	expanding	expand	VERB
ajbmeb-3173	16	29	opportunities	opportunity	NOUN
ajbmeb-3173	16	30	for	for	ADP
ajbmeb-3173	16	31	them	they	PRON
ajbmeb-3173	16	32	.	.	PUNCT
ajbmeb-3173	17	1	american	american	PROPN
ajbmeb-3173	17	2	journal	journal	PROPN
ajbmeb-3173	17	3	of	of	ADP
ajbmeb-3173	17	4	business	business	NOUN
ajbmeb-3173	17	5	management	management	NOUN
ajbmeb-3173	17	6	,	,	PUNCT
ajbmeb-3173	17	7	economics	economic	NOUN
ajbmeb-3173	17	8	and	and	CCONJ
ajbmeb-3173	17	9	banking	banking	NOUN
ajbmeb-3173	17	10	volume	volume	NOUN
ajbmeb-3173	17	11	42	42	NUM
ajbmeb-3173	18	1	november2025	november2025	PROPN
ajbmeb-3173	18	2	p	p	NOUN
ajbmeb-3173	18	3	a	a	PRON
ajbmeb-3173	18	4	g	g	NOUN
ajbmeb-3173	18	5	e	e	NOUN
ajbmeb-3173	18	6	|	|	ADV
ajbmeb-3173	18	7	37	37	NUM
ajbmeb-3173	18	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3173	19	1	the	the	DET
ajbmeb-3173	19	2	guarantee	guarantee	NOUN
ajbmeb-3173	19	3	fund	fund	NOUN
ajbmeb-3173	19	4	for	for	ADP
ajbmeb-3173	19	5	the	the	DET
ajbmeb-3173	19	6	development	development	NOUN
ajbmeb-3173	19	7	of	of	ADP
ajbmeb-3173	19	8	small	small	ADJ
ajbmeb-3173	19	9	business	business	NOUN
ajbmeb-3173	19	10	in	in	ADP
ajbmeb-3173	19	11	the	the	DET
ajbmeb-3173	19	12	form	form	NOUN
ajbmeb-3173	19	13	of	of	ADP
ajbmeb-3173	19	14	a	a	DET
ajbmeb-3173	19	15	joint	joint	ADJ
ajbmeb-3173	19	16	-	-	PUNCT
ajbmeb-3173	19	17	stock	stock	NOUN
ajbmeb-3173	19	18	company	company	NOUN
ajbmeb-3173	19	19	with	with	ADP
ajbmeb-3173	19	20	branches	branch	NOUN
ajbmeb-3173	19	21	in	in	ADP
ajbmeb-3173	19	22	the	the	DET
ajbmeb-3173	19	23	regions	region	NOUN
ajbmeb-3173	19	24	of	of	ADP
ajbmeb-3173	19	25	the	the	DET
ajbmeb-3173	19	26	republic	republic	NOUN
ajbmeb-3173	19	27	was	be	AUX
ajbmeb-3173	19	28	established	establish	VERB
ajbmeb-3173	19	29	in	in	ADP
ajbmeb-3173	19	30	accordance	accordance	NOUN
ajbmeb-3173	19	31	with	with	ADP
ajbmeb-3173	19	32	the	the	DET
ajbmeb-3173	19	33	decree	decree	NOUN
ajbmeb-3173	19	34	of	of	ADP
ajbmeb-3173	19	35	the	the	DET
ajbmeb-3173	19	36	president	president	NOUN
ajbmeb-3173	19	37	of	of	ADP
ajbmeb-3173	19	38	the	the	DET
ajbmeb-3173	19	39	republic	republic	NOUN
ajbmeb-3173	19	40	of	of	ADP
ajbmeb-3173	19	41	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	19	42	"	"	PUNCT
ajbmeb-3173	19	43	on	on	ADP
ajbmeb-3173	19	44	the	the	DET
ajbmeb-3173	19	45	creation	creation	NOUN
ajbmeb-3173	19	46	of	of	ADP
ajbmeb-3173	19	47	the	the	DET
ajbmeb-3173	19	48	guarantee	guarantee	NOUN
ajbmeb-3173	19	49	fund	fund	NOUN
ajbmeb-3173	19	50	for	for	ADP
ajbmeb-3173	19	51	the	the	DET
ajbmeb-3173	19	52	development	development	NOUN
ajbmeb-3173	19	53	of	of	ADP
ajbmeb-3173	19	54	small	small	ADJ
ajbmeb-3173	19	55	businesses	business	NOUN
ajbmeb-3173	19	56	"	"	PUNCT
ajbmeb-3173	19	57	dated	date	VERB
ajbmeb-3173	19	58	10.02.2017	10.02.2017	NUM
ajbmeb-3173	19	59	pp-2768	pp-2768	NOUN
ajbmeb-3173	20	1	[	[	X
ajbmeb-3173	20	2	2	2	NUM
ajbmeb-3173	20	3	]	]	PUNCT
ajbmeb-3173	20	4	.	.	PUNCT
ajbmeb-3173	21	1	for	for	ADP
ajbmeb-3173	21	2	the	the	DET
ajbmeb-3173	21	3	development	development	NOUN
ajbmeb-3173	21	4	of	of	ADP
ajbmeb-3173	21	5	small	small	ADJ
ajbmeb-3173	21	6	businesses	business	NOUN
ajbmeb-3173	21	7	,	,	PUNCT
ajbmeb-3173	21	8	credit	credit	NOUN
ajbmeb-3173	21	9	resources	resource	NOUN
ajbmeb-3173	21	10	are	be	AUX
ajbmeb-3173	21	11	attracted	attract	VERB
ajbmeb-3173	21	12	from	from	ADP
ajbmeb-3173	21	13	foreign	foreign	ADJ
ajbmeb-3173	21	14	investors	investor	NOUN
ajbmeb-3173	21	15	and	and	CCONJ
ajbmeb-3173	21	16	reputable	reputable	ADJ
ajbmeb-3173	21	17	world	world	NOUN
ajbmeb-3173	21	18	banks	bank	NOUN
ajbmeb-3173	21	19	,	,	PUNCT
ajbmeb-3173	21	20	including	include	VERB
ajbmeb-3173	21	21	the	the	DET
ajbmeb-3173	21	22	european	european	PROPN
ajbmeb-3173	21	23	bank	bank	PROPN
ajbmeb-3173	21	24	for	for	ADP
ajbmeb-3173	21	25	reconstruction	reconstruction	NOUN
ajbmeb-3173	21	26	and	and	CCONJ
ajbmeb-3173	21	27	development	development	NOUN
ajbmeb-3173	21	28	,	,	PUNCT
ajbmeb-3173	21	29	the	the	DET
ajbmeb-3173	21	30	german	german	ADJ
ajbmeb-3173	21	31	development	development	PROPN
ajbmeb-3173	21	32	bank	bank	PROPN
ajbmeb-3173	21	33	,	,	PUNCT
ajbmeb-3173	21	34	the	the	DET
ajbmeb-3173	21	35	asian	asian	PROPN
ajbmeb-3173	21	36	development	development	PROPN
ajbmeb-3173	21	37	bank	bank	PROPN
ajbmeb-3173	21	38	,	,	PUNCT
ajbmeb-3173	21	39	the	the	DET
ajbmeb-3173	21	40	international	international	ADJ
ajbmeb-3173	21	41	finance	finance	NOUN
ajbmeb-3173	21	42	corporation	corporation	NOUN
ajbmeb-3173	21	43	and	and	CCONJ
ajbmeb-3173	21	44	other	other	ADJ
ajbmeb-3173	21	45	international	international	ADJ
ajbmeb-3173	21	46	financial	financial	ADJ
ajbmeb-3173	21	47	organizations	organization	NOUN
ajbmeb-3173	21	48	.	.	PUNCT
ajbmeb-3173	22	1	in	in	ADP
ajbmeb-3173	22	2	order	order	NOUN
ajbmeb-3173	22	3	to	to	PART
ajbmeb-3173	22	4	provide	provide	VERB
ajbmeb-3173	22	5	assistance	assistance	NOUN
ajbmeb-3173	22	6	and	and	CCONJ
ajbmeb-3173	22	7	advice	advice	NOUN
ajbmeb-3173	22	8	to	to	ADP
ajbmeb-3173	22	9	entrepreneurs	entrepreneur	NOUN
ajbmeb-3173	22	10	and	and	CCONJ
ajbmeb-3173	22	11	businessmen	businessman	NOUN
ajbmeb-3173	22	12	,	,	PUNCT
ajbmeb-3173	22	13	a	a	DET
ajbmeb-3173	22	14	small	small	ADJ
ajbmeb-3173	22	15	business	business	NOUN
ajbmeb-3173	22	16	support	support	NOUN
ajbmeb-3173	22	17	center	center	NOUN
ajbmeb-3173	22	18	was	be	AUX
ajbmeb-3173	22	19	opened	open	VERB
ajbmeb-3173	22	20	in	in	ADP
ajbmeb-3173	22	21	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	22	22	with	with	ADP
ajbmeb-3173	22	23	the	the	DET
ajbmeb-3173	22	24	assistance	assistance	NOUN
ajbmeb-3173	22	25	of	of	ADP
ajbmeb-3173	22	26	the	the	DET
ajbmeb-3173	22	27	german	german	ADJ
ajbmeb-3173	22	28	technical	technical	ADJ
ajbmeb-3173	22	29	assistance	assistance	NOUN
ajbmeb-3173	22	30	society	society	NOUN
ajbmeb-3173	22	31	.	.	PUNCT
ajbmeb-3173	23	1	the	the	DET
ajbmeb-3173	23	2	us	us	PROPN
ajbmeb-3173	23	3	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	23	4	foundation	foundation	NOUN
ajbmeb-3173	23	5	and	and	CCONJ
ajbmeb-3173	23	6	the	the	DET
ajbmeb-3173	23	7	uk	uk	PROPN
ajbmeb-3173	23	8	investment	investment	NOUN
ajbmeb-3173	23	9	fund	fund	NOUN
ajbmeb-3173	23	10	,	,	PUNCT
ajbmeb-3173	23	11	which	which	PRON
ajbmeb-3173	23	12	operate	operate	VERB
ajbmeb-3173	23	13	in	in	ADP
ajbmeb-3173	23	14	central	central	ADJ
ajbmeb-3173	23	15	asia	asia	PROPN
ajbmeb-3173	23	16	,	,	PUNCT
ajbmeb-3173	23	17	provide	provide	VERB
ajbmeb-3173	23	18	uzbek	uzbek	ADJ
ajbmeb-3173	23	19	entrepreneurs	entrepreneur	NOUN
ajbmeb-3173	23	20	with	with	ADP
ajbmeb-3173	23	21	the	the	DET
ajbmeb-3173	23	22	necessary	necessary	ADJ
ajbmeb-3173	23	23	information	information	NOUN
ajbmeb-3173	23	24	.	.	PUNCT
ajbmeb-3173	24	1	table	table	NOUN
ajbmeb-3173	24	2	1	1	NUM
ajbmeb-3173	24	3	.	.	PUNCT
ajbmeb-3173	24	4	loans	loan	NOUN
ajbmeb-3173	24	5	to	to	ADP
ajbmeb-3173	24	6	small	small	ADJ
ajbmeb-3173	24	7	businesses	business	NOUN
ajbmeb-3173	24	8	and	and	CCONJ
ajbmeb-3173	24	9	private	private	ADJ
ajbmeb-3173	24	10	entrepreneurs[1	entrepreneurs[1	NUM
ajbmeb-3173	24	11	]	]	PUNCT
ajbmeb-3173	24	12	(	(	PUNCT
ajbmeb-3173	24	13	million	million	NUM
ajbmeb-3173	24	14	soums	soum	NOUN
ajbmeb-3173	24	15	)	)	PUNCT
ajbmeb-3173	24	16	an	an	DET
ajbmeb-3173	24	17	important	important	ADJ
ajbmeb-3173	24	18	factor	factor	NOUN
ajbmeb-3173	24	19	of	of	ADP
ajbmeb-3173	24	20	differentiation	differentiation	NOUN
ajbmeb-3173	24	21	in	in	ADP
ajbmeb-3173	24	22	the	the	DET
ajbmeb-3173	24	23	conditions	condition	NOUN
ajbmeb-3173	24	24	of	of	ADP
ajbmeb-3173	24	25	the	the	DET
ajbmeb-3173	24	26	republic	republic	NOUN
ajbmeb-3173	24	27	was	be	AUX
ajbmeb-3173	24	28	the	the	DET
ajbmeb-3173	24	29	history	history	NOUN
ajbmeb-3173	24	30	of	of	ADP
ajbmeb-3173	24	31	business	business	NOUN
ajbmeb-3173	24	32	creation	creation	NOUN
ajbmeb-3173	24	33	,	,	PUNCT
ajbmeb-3173	24	34	the	the	DET
ajbmeb-3173	24	35	degree	degree	NOUN
ajbmeb-3173	24	36	of	of	ADP
ajbmeb-3173	24	37	its	its	PRON
ajbmeb-3173	24	38	dependence	dependence	NOUN
ajbmeb-3173	24	39	on	on	ADP
ajbmeb-3173	24	40	the	the	DET
ajbmeb-3173	24	41	public	public	ADJ
ajbmeb-3173	24	42	sector	sector	NOUN
ajbmeb-3173	24	43	.	.	PUNCT
ajbmeb-3173	25	1	as	as	SCONJ
ajbmeb-3173	25	2	the	the	DET
ajbmeb-3173	25	3	study	study	NOUN
ajbmeb-3173	25	4	of	of	ADP
ajbmeb-3173	25	5	foreign	foreign	ADJ
ajbmeb-3173	25	6	experience	experience	NOUN
ajbmeb-3173	25	7	shows	show	NOUN
ajbmeb-3173	25	8	,	,	PUNCT
ajbmeb-3173	25	9	an	an	DET
ajbmeb-3173	25	10	indispensable	indispensable	ADJ
ajbmeb-3173	25	11	condition	condition	NOUN
ajbmeb-3173	25	12	for	for	ADP
ajbmeb-3173	25	13	success	success	NOUN
ajbmeb-3173	25	14	in	in	ADP
ajbmeb-3173	25	15	the	the	DET
ajbmeb-3173	25	16	development	development	NOUN
ajbmeb-3173	25	17	of	of	ADP
ajbmeb-3173	25	18	small	small	ADJ
ajbmeb-3173	25	19	businesses	business	NOUN
ajbmeb-3173	25	20	is	be	AUX
ajbmeb-3173	25	21	comprehensive	comprehensive	ADJ
ajbmeb-3173	25	22	and	and	CCONJ
ajbmeb-3173	25	23	stable	stable	ADJ
ajbmeb-3173	25	24	state	state	NOUN
ajbmeb-3173	25	25	support	support	NOUN
ajbmeb-3173	25	26	.	.	PUNCT
ajbmeb-3173	26	1	it	it	PRON
ajbmeb-3173	26	2	is	be	AUX
ajbmeb-3173	26	3	carried	carry	VERB
ajbmeb-3173	26	4	out	out	ADP
ajbmeb-3173	26	5	in	in	ADP
ajbmeb-3173	26	6	various	various	ADJ
ajbmeb-3173	26	7	forms	form	NOUN
ajbmeb-3173	26	8	:	:	PUNCT
ajbmeb-3173	26	9	stimulating	stimulate	VERB
ajbmeb-3173	26	10	the	the	DET
ajbmeb-3173	26	11	production	production	NOUN
ajbmeb-3173	26	12	of	of	ADP
ajbmeb-3173	26	13	the	the	DET
ajbmeb-3173	26	14	most	most	ADJ
ajbmeb-3173	26	15	priority	priority	NOUN
ajbmeb-3173	26	16	types	type	NOUN
ajbmeb-3173	26	17	of	of	ADP
ajbmeb-3173	26	18	products	product	NOUN
ajbmeb-3173	26	19	,	,	PUNCT
ajbmeb-3173	26	20	providing	provide	VERB
ajbmeb-3173	26	21	tax	tax	NOUN
ajbmeb-3173	26	22	incentives	incentive	NOUN
ajbmeb-3173	26	23	,	,	PUNCT
ajbmeb-3173	26	24	subsidizing	subsidize	VERB
ajbmeb-3173	26	25	preferential	preferential	ADJ
ajbmeb-3173	26	26	bank	bank	NOUN
ajbmeb-3173	26	27	lending	lending	NOUN
ajbmeb-3173	26	28	,	,	PUNCT
ajbmeb-3173	26	29	creating	create	VERB
ajbmeb-3173	26	30	information	information	NOUN
ajbmeb-3173	26	31	and	and	CCONJ
ajbmeb-3173	26	32	advisory	advisory	ADJ
ajbmeb-3173	26	33	and	and	CCONJ
ajbmeb-3173	26	34	scientific	scientific	ADJ
ajbmeb-3173	26	35	and	and	CCONJ
ajbmeb-3173	26	36	technical	technical	ADJ
ajbmeb-3173	26	37	centers	center	NOUN
ajbmeb-3173	26	38	,	,	PUNCT
ajbmeb-3173	26	39	developing	develop	VERB
ajbmeb-3173	26	40	the	the	DET
ajbmeb-3173	26	41	insurance	insurance	NOUN
ajbmeb-3173	26	42	system	system	NOUN
ajbmeb-3173	26	43	,	,	PUNCT
ajbmeb-3173	26	44	organizing	organize	VERB
ajbmeb-3173	26	45	logistics	logistic	NOUN
ajbmeb-3173	26	46	,	,	PUNCT
ajbmeb-3173	26	47	financial	financial	ADJ
ajbmeb-3173	26	48	support	support	NOUN
ajbmeb-3173	26	49	,	,	PUNCT
ajbmeb-3173	26	50	and	and	CCONJ
ajbmeb-3173	26	51	a	a	DET
ajbmeb-3173	26	52	financing	financing	NOUN
ajbmeb-3173	26	53	mechanism	mechanism	NOUN
ajbmeb-3173	26	54	.	.	PUNCT
ajbmeb-3173	27	1	currently	currently	ADV
ajbmeb-3173	27	2	,	,	PUNCT
ajbmeb-3173	27	3	there	there	PRON
ajbmeb-3173	27	4	are	be	VERB
ajbmeb-3173	27	5	several	several	ADJ
ajbmeb-3173	27	6	problems	problem	NOUN
ajbmeb-3173	27	7	in	in	ADP
ajbmeb-3173	27	8	the	the	DET
ajbmeb-3173	27	9	segment	segment	NOUN
ajbmeb-3173	27	10	of	of	ADP
ajbmeb-3173	27	11	lending	lending	NOUN
ajbmeb-3173	27	12	to	to	ADP
ajbmeb-3173	27	13	small	small	ADJ
ajbmeb-3173	27	14	businesses	business	NOUN
ajbmeb-3173	27	15	by	by	ADP
ajbmeb-3173	27	16	commercial	commercial	ADJ
ajbmeb-3173	27	17	banks	bank	NOUN
ajbmeb-3173	27	18	.	.	PUNCT
ajbmeb-3173	28	1	the	the	DET
ajbmeb-3173	28	2	key	key	ADJ
ajbmeb-3173	28	3	issue	issue	NOUN
ajbmeb-3173	28	4	is	be	AUX
ajbmeb-3173	28	5	the	the	DET
ajbmeb-3173	28	6	availability	availability	NOUN
ajbmeb-3173	28	7	of	of	ADP
ajbmeb-3173	28	8	credit	credit	NOUN
ajbmeb-3173	28	9	products	product	NOUN
ajbmeb-3173	28	10	for	for	ADP
ajbmeb-3173	28	11	small	small	ADJ
ajbmeb-3173	28	12	businesses	business	NOUN
ajbmeb-3173	28	13	,	,	PUNCT
ajbmeb-3173	28	14	which	which	PRON
ajbmeb-3173	28	15	is	be	AUX
ajbmeb-3173	28	16	determined	determine	VERB
ajbmeb-3173	28	17	commercial	commercial	ADJ
ajbmeb-3173	28	18	banks	bank	NOUN
ajbmeb-3173	28	19	31.10.2023	31.10.2023	PROPN
ajbmeb-3173	28	20	31.10.2024	31.10.2024	NUM
ajbmeb-3173	28	21	31.10.2025	31.10.2025	NUM
ajbmeb-3173	28	22	bank	bank	NOUN
ajbmeb-3173	28	23	"	"	PUNCT
ajbmeb-3173	28	24	asaka	asaka	X
ajbmeb-3173	28	25	"	"	PUNCT
ajbmeb-3173	28	26	741	741	NUM
ajbmeb-3173	28	27	683.6	683.6	NUM
ajbmeb-3173	28	28	1	1	NUM
ajbmeb-3173	28	29	111	111	NUM
ajbmeb-3173	28	30	608.0	608.0	NUM
ajbmeb-3173	28	31	1	1	NUM
ajbmeb-3173	28	32	228	228	NUM
ajbmeb-3173	28	33	832.8	832.8	NUM
ajbmeb-3173	28	34	national	national	ADJ
ajbmeb-3173	28	35	bank	bank	NOUN
ajbmeb-3173	28	36	of	of	ADP
ajbmeb-3173	28	37	foreign	foreign	ADJ
ajbmeb-3173	28	38	economic	economic	ADJ
ajbmeb-3173	28	39	activity	activity	NOUN
ajbmeb-3173	28	40	of	of	ADP
ajbmeb-3173	28	41	the	the	DET
ajbmeb-3173	28	42	republic	republic	NOUN
ajbmeb-3173	28	43	of	of	ADP
ajbmeb-3173	28	44	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	28	45	1	1	NUM
ajbmeb-3173	28	46	040	040	NUM
ajbmeb-3173	28	47	400.0	400.0	NUM
ajbmeb-3173	28	48	1	1	NUM
ajbmeb-3173	28	49	040	040	NUM
ajbmeb-3173	28	50	400.0	400.0	NUM
ajbmeb-3173	28	51	1	1	NUM
ajbmeb-3173	28	52	200	200	NUM
ajbmeb-3173	28	53	0000.0	0000.0	NUM
ajbmeb-3173	28	54	jscb	jscb	NOUN
ajbmeb-3173	28	55	"	"	PUNCT
ajbmeb-3173	28	56	agrobank	agrobank	NOUN
ajbmeb-3173	28	57	"	"	PUNCT
ajbmeb-3173	28	58	507	507	NUM
ajbmeb-3173	28	59	823.8	823.8	NUM
ajbmeb-3173	28	60	619	619	NUM
ajbmeb-3173	28	61	875.0	875.0	NUM
ajbmeb-3173	28	62	789	789	NUM
ajbmeb-3173	28	63	680.9	680.9	NUM
ajbmeb-3173	28	64	gc	gc	PROPN
ajbmeb-3173	28	65	halyk	halyk	PROPN
ajbmeb-3173	28	66	bank	bank	NOUN
ajbmeb-3173	28	67	497	497	NUM
ajbmeb-3173	28	68	647.5	647.5	NUM
ajbmeb-3173	28	69	581	581	NUM
ajbmeb-3173	28	70	346.0	346.0	NUM
ajbmeb-3173	28	71	633	633	NUM
ajbmeb-3173	28	72	809.6	809.6	NUM
ajbmeb-3173	28	73	jscib	jscib	NOUN
ajbmeb-3173	28	74	"	"	PUNCT
ajbmeb-3173	28	75	ipoteka	ipoteka	PROPN
ajbmeb-3173	28	76	-	-	PUNCT
ajbmeb-3173	28	77	bank	bank	NOUN
ajbmeb-3173	29	1	"	"	PUNCT
ajbmeb-3173	30	1	396	396	NUM
ajbmeb-3173	30	2	976.2	976.2	NUM
ajbmeb-3173	30	3	573	573	NUM
ajbmeb-3173	30	4	373.0	373.0	NUM
ajbmeb-3173	30	5	698	698	NUM
ajbmeb-3173	30	6	173.3	173.3	NUM
ajbmeb-3173	30	7	jscbuzpromstroybankjscb	jscbuzpromstroybankjscb	NOUN
ajbmeb-3173	30	8	420	420	NUM
ajbmeb-3173	30	9	618.0	618.0	NUM
ajbmeb-3173	30	10	567	567	NUM
ajbmeb-3173	30	11	764.0	764.0	NUM
ajbmeb-3173	30	12	564	564	NUM
ajbmeb-3173	30	13	494.2	494.2	NUM
ajbmeb-3173	30	14	акб	акб	NOUN
ajbmeb-3173	30	15	“	"	PUNCT
ajbmeb-3173	30	16	khamkorbankjscb	khamkorbankjscb	NOUN
ajbmeb-3173	30	17	307	307	NUM
ajbmeb-3173	30	18	082.3	082.3	NUM
ajbmeb-3173	30	19	531	531	NUM
ajbmeb-3173	30	20	920.0	920.0	NUM
ajbmeb-3173	30	21	783	783	NUM
ajbmeb-3173	30	22	911.5	911.5	NUM
ajbmeb-3173	30	23	jscb	jscb	NOUN
ajbmeb-3173	30	24	"	"	PUNCT
ajbmeb-3173	30	25	mikrokreditbankjscb	mikrokreditbankjscb	VERB
ajbmeb-3173	30	26	449	449	NUM
ajbmeb-3173	30	27	985.7	985.7	NUM
ajbmeb-3173	30	28	521	521	NUM
ajbmeb-3173	30	29	148.0	148.0	NUM
ajbmeb-3173	30	30	621	621	NUM
ajbmeb-3173	30	31	jscb	jscb	NOUN
ajbmeb-3173	30	32	"	"	PUNCT
ajbmeb-3173	30	33	kishlok	kishlok	PROPN
ajbmeb-3173	30	34	793.8	793.8	NUM
ajbmeb-3173	30	35	kishlok	kishlok	PROPN
ajbmeb-3173	30	36	kurilish	kurilish	PROPN
ajbmeb-3173	30	37	bank	bank	PROPN
ajbmeb-3173	30	38	jscb	jscb	PROPN
ajbmeb-3173	30	39	319	319	NUM
ajbmeb-3173	30	40	534.1	534.1	NUM
ajbmeb-3173	30	41	438	438	NUM
ajbmeb-3173	30	42	246.0	246.0	NUM
ajbmeb-3173	30	43	559	559	NUM
ajbmeb-3173	30	44	907.9	907.9	NUM
ajbmeb-3173	30	45	alokabank	alokabank	ADV
ajbmeb-3173	30	46	jscalokabankjscb	jscalokabankjscb	PROPN
ajbmeb-3173	30	47	335	335	NUM
ajbmeb-3173	30	48	163.2	163.2	NUM
ajbmeb-3173	30	49	417	417	NUM
ajbmeb-3173	30	50	217.0	217.0	NUM
ajbmeb-3173	30	51	428	428	NUM
ajbmeb-3173	30	52	119.4	119.4	NUM
ajbmeb-3173	30	53	american	american	ADJ
ajbmeb-3173	30	54	journal	journal	PROPN
ajbmeb-3173	30	55	of	of	ADP
ajbmeb-3173	30	56	business	business	NOUN
ajbmeb-3173	30	57	management	management	NOUN
ajbmeb-3173	30	58	,	,	PUNCT
ajbmeb-3173	30	59	economics	economic	NOUN
ajbmeb-3173	30	60	and	and	CCONJ
ajbmeb-3173	30	61	banking	banking	NOUN
ajbmeb-3173	30	62	volume	volume	NOUN
ajbmeb-3173	30	63	42	42	NUM
ajbmeb-3173	30	64	november2025	november2025	PROPN
ajbmeb-3173	30	65	p	p	NOUN
ajbmeb-3173	30	66	a	a	PRON
ajbmeb-3173	30	67	g	g	NOUN
ajbmeb-3173	30	68	e	e	NOUN
ajbmeb-3173	30	69	|	|	ADV
ajbmeb-3173	30	70	38	38	NUM
ajbmeb-3173	30	71	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3173	30	72	by	by	ADP
ajbmeb-3173	30	73	a	a	DET
ajbmeb-3173	30	74	number	number	NOUN
ajbmeb-3173	30	75	of	of	ADP
ajbmeb-3173	30	76	aspects	aspect	NOUN
ajbmeb-3173	30	77	:	:	PUNCT
ajbmeb-3173	30	78	the	the	DET
ajbmeb-3173	30	79	need	need	NOUN
ajbmeb-3173	30	80	to	to	PART
ajbmeb-3173	30	81	provide	provide	VERB
ajbmeb-3173	30	82	collateral	collateral	NOUN
ajbmeb-3173	30	83	and	and	CCONJ
ajbmeb-3173	30	84	guarantees	guarantee	NOUN
ajbmeb-3173	30	85	,	,	PUNCT
ajbmeb-3173	30	86	high	high	ADJ
ajbmeb-3173	30	87	interest	interest	NOUN
ajbmeb-3173	30	88	rates	rate	NOUN
ajbmeb-3173	30	89	,	,	PUNCT
ajbmeb-3173	30	90	complexity	complexity	NOUN
ajbmeb-3173	30	91	of	of	ADP
ajbmeb-3173	30	92	paperwork	paperwork	NOUN
ajbmeb-3173	30	93	,	,	PUNCT
ajbmeb-3173	30	94	lack	lack	NOUN
ajbmeb-3173	30	95	of	of	ADP
ajbmeb-3173	30	96	trust	trust	NOUN
ajbmeb-3173	30	97	in	in	ADP
ajbmeb-3173	30	98	the	the	DET
ajbmeb-3173	30	99	bank	bank	NOUN
ajbmeb-3173	30	100	,	,	PUNCT
ajbmeb-3173	30	101	as	as	ADV
ajbmeb-3173	30	102	well	well	ADV
ajbmeb-3173	30	103	as	as	ADP
ajbmeb-3173	30	104	late	late	ADJ
ajbmeb-3173	30	105	repayment	repayment	NOUN
ajbmeb-3173	30	106	of	of	ADP
ajbmeb-3173	30	107	loans	loan	NOUN
ajbmeb-3173	30	108	received	receive	VERB
ajbmeb-3173	30	109	.	.	PUNCT
ajbmeb-3173	31	1	the	the	DET
ajbmeb-3173	31	2	study	study	NOUN
ajbmeb-3173	31	3	of	of	ADP
ajbmeb-3173	31	4	this	this	DET
ajbmeb-3173	31	5	problem	problem	NOUN
ajbmeb-3173	31	6	is	be	AUX
ajbmeb-3173	31	7	that	that	SCONJ
ajbmeb-3173	31	8	the	the	DET
ajbmeb-3173	31	9	timely	timely	ADJ
ajbmeb-3173	31	10	repayment	repayment	NOUN
ajbmeb-3173	31	11	of	of	ADP
ajbmeb-3173	31	12	loans	loan	NOUN
ajbmeb-3173	31	13	issued	issue	VERB
ajbmeb-3173	31	14	to	to	ADP
ajbmeb-3173	31	15	them	they	PRON
ajbmeb-3173	31	16	in	in	ADP
ajbmeb-3173	31	17	the	the	DET
ajbmeb-3173	31	18	future	future	NOUN
ajbmeb-3173	31	19	continued	continue	VERB
ajbmeb-3173	31	20	at	at	ADP
ajbmeb-3173	31	21	a	a	DET
ajbmeb-3173	31	22	preferential	preferential	ADJ
ajbmeb-3173	31	23	interest	interest	NOUN
ajbmeb-3173	31	24	rate	rate	NOUN
ajbmeb-3173	31	25	and	and	CCONJ
ajbmeb-3173	31	26	conditions	condition	NOUN
ajbmeb-3173	31	27	for	for	ADP
ajbmeb-3173	31	28	the	the	DET
ajbmeb-3173	31	29	further	further	ADJ
ajbmeb-3173	31	30	development	development	NOUN
ajbmeb-3173	31	31	of	of	ADP
ajbmeb-3173	31	32	the	the	DET
ajbmeb-3173	31	33	activities	activity	NOUN
ajbmeb-3173	31	34	of	of	ADP
ajbmeb-3173	31	35	small	small	ADJ
ajbmeb-3173	31	36	businesses	business	NOUN
ajbmeb-3173	31	37	.	.	PUNCT
ajbmeb-3173	32	1	the	the	DET
ajbmeb-3173	32	2	state	state	NOUN
ajbmeb-3173	32	3	creates	create	VERB
ajbmeb-3173	32	4	all	all	DET
ajbmeb-3173	32	5	favorable	favorable	ADJ
ajbmeb-3173	32	6	conditions	condition	NOUN
ajbmeb-3173	32	7	for	for	ADP
ajbmeb-3173	32	8	the	the	DET
ajbmeb-3173	32	9	development	development	NOUN
ajbmeb-3173	32	10	of	of	ADP
ajbmeb-3173	32	11	small	small	ADJ
ajbmeb-3173	32	12	businesses	business	NOUN
ajbmeb-3173	32	13	and	and	CCONJ
ajbmeb-3173	32	14	private	private	ADJ
ajbmeb-3173	32	15	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3173	32	16	through	through	ADP
ajbmeb-3173	32	17	lending	lend	VERB
ajbmeb-3173	32	18	to	to	ADP
ajbmeb-3173	32	19	this	this	DET
ajbmeb-3173	32	20	sector	sector	NOUN
ajbmeb-3173	32	21	from	from	ADP
ajbmeb-3173	32	22	banks	bank	NOUN
ajbmeb-3173	32	23	,	,	PUNCT
ajbmeb-3173	32	24	but	but	CCONJ
ajbmeb-3173	32	25	still	still	ADV
ajbmeb-3173	32	26	there	there	PRON
ajbmeb-3173	32	27	are	be	VERB
ajbmeb-3173	32	28	some	some	DET
ajbmeb-3173	32	29	problems	problem	NOUN
ajbmeb-3173	32	30	of	of	ADP
ajbmeb-3173	32	31	lending	lending	NOUN
ajbmeb-3173	32	32	in	in	ADP
ajbmeb-3173	32	33	the	the	DET
ajbmeb-3173	32	34	banking	banking	NOUN
ajbmeb-3173	32	35	system	system	NOUN
ajbmeb-3173	32	36	of	of	ADP
ajbmeb-3173	32	37	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	32	38	,	,	PUNCT
ajbmeb-3173	32	39	which	which	PRON
ajbmeb-3173	32	40	are	be	AUX
ajbmeb-3173	32	41	due	due	ADJ
ajbmeb-3173	32	42	to	to	ADP
ajbmeb-3173	32	43	the	the	DET
ajbmeb-3173	32	44	following	follow	VERB
ajbmeb-3173	32	45	reasons	reason	NOUN
ajbmeb-3173	32	46	:	:	PUNCT
ajbmeb-3173	32	47	➢	➢	VERB
ajbmeb-3173	32	48	first	first	ADV
ajbmeb-3173	32	49	,	,	PUNCT
ajbmeb-3173	32	50	the	the	DET
ajbmeb-3173	32	51	resource	resource	NOUN
ajbmeb-3173	32	52	base	base	NOUN
ajbmeb-3173	32	53	of	of	ADP
ajbmeb-3173	32	54	commercial	commercial	ADJ
ajbmeb-3173	32	55	banks	bank	NOUN
ajbmeb-3173	32	56	in	in	ADP
ajbmeb-3173	32	57	the	the	DET
ajbmeb-3173	32	58	republic	republic	NOUN
ajbmeb-3173	32	59	is	be	AUX
ajbmeb-3173	32	60	insufficient	insufficient	ADJ
ajbmeb-3173	32	61	.	.	PUNCT
ajbmeb-3173	33	1	➢	➢	VERB
ajbmeb-3173	33	2	во	во	ADJ
ajbmeb-3173	33	3	-	-	PUNCT
ajbmeb-3173	33	4	second	second	NOUN
ajbmeb-3173	33	5	,	,	PUNCT
ajbmeb-3173	33	6	interest	interest	NOUN
ajbmeb-3173	33	7	rates	rate	NOUN
ajbmeb-3173	33	8	are	be	AUX
ajbmeb-3173	33	9	rising	rise	VERB
ajbmeb-3173	33	10	,	,	PUNCT
ajbmeb-3173	33	11	which	which	PRON
ajbmeb-3173	33	12	forces	force	VERB
ajbmeb-3173	33	13	the	the	DET
ajbmeb-3173	33	14	best	good	ADJ
ajbmeb-3173	33	15	borrowers	borrower	NOUN
ajbmeb-3173	33	16	out	out	ADP
ajbmeb-3173	33	17	of	of	ADP
ajbmeb-3173	33	18	the	the	DET
ajbmeb-3173	33	19	market	market	NOUN
ajbmeb-3173	33	20	.	.	PUNCT
ajbmeb-3173	34	1	➢	➢	PROPN
ajbmeb-3173	34	2	third	third	ADJ
ajbmeb-3173	34	3	,	,	PUNCT
ajbmeb-3173	34	4	the	the	DET
ajbmeb-3173	34	5	relatively	relatively	ADV
ajbmeb-3173	34	6	low	low	ADJ
ajbmeb-3173	34	7	level	level	NOUN
ajbmeb-3173	34	8	of	of	ADP
ajbmeb-3173	34	9	the	the	DET
ajbmeb-3173	34	10	monetization	monetization	NOUN
ajbmeb-3173	34	11	coefficient	coefficient	NOUN
ajbmeb-3173	34	12	(	(	PUNCT
ajbmeb-3173	34	13	according	accord	VERB
ajbmeb-3173	34	14	to	to	ADP
ajbmeb-3173	34	15	the	the	DET
ajbmeb-3173	34	16	recommendation	recommendation	NOUN
ajbmeb-3173	34	17	of	of	ADP
ajbmeb-3173	34	18	imf	imf	PROPN
ajbmeb-3173	34	19	experts	expert	NOUN
ajbmeb-3173	34	20	,	,	PUNCT
ajbmeb-3173	34	21	the	the	DET
ajbmeb-3173	34	22	minimum	minimum	ADJ
ajbmeb-3173	34	23	level	level	NOUN
ajbmeb-3173	34	24	of	of	ADP
ajbmeb-3173	34	25	the	the	DET
ajbmeb-3173	34	26	coefficient	coefficient	NOUN
ajbmeb-3173	34	27	should	should	AUX
ajbmeb-3173	34	28	be	be	AUX
ajbmeb-3173	34	29	30	30	NUM
ajbmeb-3173	34	30	-	-	SYM
ajbmeb-3173	34	31	33	33	NUM
ajbmeb-3173	34	32	%	%	NOUN
ajbmeb-3173	34	33	)	)	PUNCT
ajbmeb-3173	35	1	[	[	X
ajbmeb-3173	35	2	4	4	NUM
ajbmeb-3173	35	3	]	]	PUNCT
ajbmeb-3173	35	4	;	;	PUNCT
ajbmeb-3173	35	5	➢	➢	PROPN
ajbmeb-3173	35	6	fourth	fourth	ADJ
ajbmeb-3173	35	7	,	,	PUNCT
ajbmeb-3173	35	8	there	there	PRON
ajbmeb-3173	35	9	are	be	VERB
ajbmeb-3173	35	10	shortcomings	shortcoming	NOUN
ajbmeb-3173	35	11	in	in	ADP
ajbmeb-3173	35	12	the	the	DET
ajbmeb-3173	35	13	process	process	NOUN
ajbmeb-3173	35	14	of	of	ADP
ajbmeb-3173	35	15	loan	loan	NOUN
ajbmeb-3173	35	16	processing	processing	NOUN
ajbmeb-3173	35	17	and	and	CCONJ
ajbmeb-3173	35	18	accounting	accounting	NOUN
ajbmeb-3173	35	19	in	in	ADP
ajbmeb-3173	35	20	a	a	DET
ajbmeb-3173	35	21	number	number	NOUN
ajbmeb-3173	35	22	of	of	ADP
ajbmeb-3173	35	23	branches	branch	NOUN
ajbmeb-3173	35	24	of	of	ADP
ajbmeb-3173	35	25	commercial	commercial	ADJ
ajbmeb-3173	35	26	banks	bank	NOUN
ajbmeb-3173	35	27	in	in	ADP
ajbmeb-3173	35	28	the	the	DET
ajbmeb-3173	35	29	republic	republic	NOUN
ajbmeb-3173	35	30	.	.	PUNCT
ajbmeb-3173	36	1	➢	➢	VERB
ajbmeb-3173	36	2	fifth	fifth	ADJ
ajbmeb-3173	36	3	,	,	PUNCT
ajbmeb-3173	36	4	the	the	DET
ajbmeb-3173	36	5	problem	problem	NOUN
ajbmeb-3173	36	6	of	of	ADP
ajbmeb-3173	36	7	inadequate	inadequate	ADJ
ajbmeb-3173	36	8	use	use	NOUN
ajbmeb-3173	36	9	of	of	ADP
ajbmeb-3173	36	10	types	type	NOUN
ajbmeb-3173	36	11	and	and	CCONJ
ajbmeb-3173	36	12	methods	method	NOUN
ajbmeb-3173	36	13	of	of	ADP
ajbmeb-3173	36	14	credit	credit	NOUN
ajbmeb-3173	36	15	.	.	PUNCT
ajbmeb-3173	37	1	➢	➢	VERB
ajbmeb-3173	37	2	the	the	DET
ajbmeb-3173	37	3	main	main	ADJ
ajbmeb-3173	37	4	reasons	reason	NOUN
ajbmeb-3173	37	5	for	for	ADP
ajbmeb-3173	37	6	lending	lend	VERB
ajbmeb-3173	37	7	to	to	ADP
ajbmeb-3173	37	8	small	small	ADJ
ajbmeb-3173	37	9	businesses	business	NOUN
ajbmeb-3173	37	10	are	be	AUX
ajbmeb-3173	37	11	non	non	ADJ
ajbmeb-3173	37	12	-	-	ADJ
ajbmeb-3173	37	13	transparency	transparency	NOUN
ajbmeb-3173	37	14	and	and	CCONJ
ajbmeb-3173	37	15	the	the	DET
ajbmeb-3173	37	16	risks	risk	NOUN
ajbmeb-3173	37	17	of	of	ADP
ajbmeb-3173	37	18	nonrepayment	nonrepayment	NOUN
ajbmeb-3173	37	19	of	of	ADP
ajbmeb-3173	37	20	loans	loan	NOUN
ajbmeb-3173	37	21	.	.	PUNCT
ajbmeb-3173	38	1	➢	➢	VERB
ajbmeb-3173	38	2	underdeveloped	underdeveloped	ADJ
ajbmeb-3173	38	3	banking	banking	NOUN
ajbmeb-3173	38	4	technologies	technology	NOUN
ajbmeb-3173	38	5	that	that	PRON
ajbmeb-3173	38	6	do	do	AUX
ajbmeb-3173	38	7	not	not	PART
ajbmeb-3173	38	8	allow	allow	VERB
ajbmeb-3173	38	9	you	you	PRON
ajbmeb-3173	38	10	to	to	PART
ajbmeb-3173	38	11	reduce	reduce	VERB
ajbmeb-3173	38	12	the	the	DET
ajbmeb-3173	38	13	cost	cost	NOUN
ajbmeb-3173	38	14	of	of	ADP
ajbmeb-3173	38	15	handling	handle	VERB
ajbmeb-3173	38	16	a	a	DET
ajbmeb-3173	38	17	single	single	ADJ
ajbmeb-3173	38	18	client	client	NOUN
ajbmeb-3173	38	19	.	.	PUNCT
ajbmeb-3173	39	1	➢	➢	NOUN
ajbmeb-3173	39	2	lack	lack	NOUN
ajbmeb-3173	39	3	of	of	ADP
ajbmeb-3173	39	4	reliable	reliable	ADJ
ajbmeb-3173	39	5	collateral	collateral	NOUN
ajbmeb-3173	39	6	,	,	PUNCT
ajbmeb-3173	39	7	as	as	SCONJ
ajbmeb-3173	39	8	most	most	ADJ
ajbmeb-3173	39	9	small	small	ADJ
ajbmeb-3173	39	10	businesses	business	NOUN
ajbmeb-3173	39	11	do	do	AUX
ajbmeb-3173	39	12	not	not	PART
ajbmeb-3173	39	13	own	own	VERB
ajbmeb-3173	39	14	liquid	liquid	ADJ
ajbmeb-3173	39	15	property	property	NOUN
ajbmeb-3173	39	16	.	.	PUNCT
ajbmeb-3173	40	1	➢	➢	VERB
ajbmeb-3173	40	2	distrust	distrust	NOUN
ajbmeb-3173	40	3	of	of	ADP
ajbmeb-3173	40	4	small	small	ADJ
ajbmeb-3173	40	5	businesses	business	NOUN
ajbmeb-3173	40	6	experienced	experience	VERB
ajbmeb-3173	40	7	by	by	ADP
ajbmeb-3173	40	8	banks	bank	NOUN
ajbmeb-3173	40	9	.	.	PUNCT
ajbmeb-3173	41	1	➢	➢	VERB
ajbmeb-3173	41	2	commercial	commercial	ADJ
ajbmeb-3173	41	3	banks	bank	NOUN
ajbmeb-3173	41	4	do	do	AUX
ajbmeb-3173	41	5	not	not	PART
ajbmeb-3173	41	6	have	have	VERB
ajbmeb-3173	41	7	the	the	DET
ajbmeb-3173	41	8	resource	resource	NOUN
ajbmeb-3173	41	9	capacity	capacity	NOUN
ajbmeb-3173	41	10	toopen	toopen	ADJ
ajbmeb-3173	41	11	long	long	ADJ
ajbmeb-3173	41	12	-	-	PUNCT
ajbmeb-3173	41	13	term	term	NOUN
ajbmeb-3173	41	14	credit	credit	NOUN
ajbmeb-3173	41	15	lines	line	NOUN
ajbmeb-3173	41	16	for	for	ADP
ajbmeb-3173	41	17	small	small	ADJ
ajbmeb-3173	41	18	businesses	business	NOUN
ajbmeb-3173	41	19	.	.	PUNCT
ajbmeb-3173	42	1	➢	➢	VERB
ajbmeb-3173	42	2	illiteracy	illiteracy	NOUN
ajbmeb-3173	42	3	of	of	ADP
ajbmeb-3173	42	4	borrowers	borrower	NOUN
ajbmeb-3173	42	5	.	.	PUNCT
ajbmeb-3173	43	1	having	having	AUX
ajbmeb-3173	43	2	studied	study	VERB
ajbmeb-3173	43	3	the	the	DET
ajbmeb-3173	43	4	problems	problem	NOUN
ajbmeb-3173	43	5	of	of	ADP
ajbmeb-3173	43	6	lending	lend	VERB
ajbmeb-3173	43	7	to	to	ADP
ajbmeb-3173	43	8	small	small	ADJ
ajbmeb-3173	43	9	businesses	business	NOUN
ajbmeb-3173	43	10	in	in	ADP
ajbmeb-3173	43	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	43	12	,	,	PUNCT
ajbmeb-3173	43	13	we	we	PRON
ajbmeb-3173	43	14	came	come	VERB
ajbmeb-3173	43	15	to	to	ADP
ajbmeb-3173	43	16	the	the	DET
ajbmeb-3173	43	17	following	following	ADJ
ajbmeb-3173	43	18	conclusions	conclusion	NOUN
ajbmeb-3173	43	19	:	:	PUNCT
ajbmeb-3173	44	1	1	1	X
ajbmeb-3173	44	2	.	.	X
ajbmeb-3173	44	3	the	the	DET
ajbmeb-3173	44	4	resource	resource	NOUN
ajbmeb-3173	44	5	base	base	NOUN
ajbmeb-3173	44	6	of	of	ADP
ajbmeb-3173	44	7	commercial	commercial	ADJ
ajbmeb-3173	44	8	banks	bank	NOUN
ajbmeb-3173	44	9	in	in	ADP
ajbmeb-3173	44	10	the	the	DET
ajbmeb-3173	44	11	republic	republic	NOUN
ajbmeb-3173	44	12	is	be	AUX
ajbmeb-3173	44	13	insufficient	insufficient	ADJ
ajbmeb-3173	44	14	2	2	NUM
ajbmeb-3173	44	15	.	.	PUNCT
ajbmeb-3173	44	16	interest	interest	NOUN
ajbmeb-3173	44	17	rates	rate	NOUN
ajbmeb-3173	44	18	are	be	AUX
ajbmeb-3173	44	19	rising	rise	VERB
ajbmeb-3173	44	20	,	,	PUNCT
ajbmeb-3173	44	21	which	which	PRON
ajbmeb-3173	44	22	forces	force	VERB
ajbmeb-3173	44	23	the	the	DET
ajbmeb-3173	44	24	best	good	ADJ
ajbmeb-3173	44	25	borrowers	borrower	NOUN
ajbmeb-3173	44	26	to	to	PART
ajbmeb-3173	44	27	leave	leave	VERB
ajbmeb-3173	44	28	the	the	DET
ajbmeb-3173	44	29	market	market	NOUN
ajbmeb-3173	44	30	.	.	PUNCT
ajbmeb-3173	45	1	3	3	X
ajbmeb-3173	45	2	.	.	X
ajbmeb-3173	45	3	commercial	commercial	ADJ
ajbmeb-3173	45	4	banks	bank	NOUN
ajbmeb-3173	45	5	are	be	AUX
ajbmeb-3173	45	6	associated	associate	VERB
ajbmeb-3173	45	7	with	with	ADP
ajbmeb-3173	45	8	the	the	DET
ajbmeb-3173	45	9	risk	risk	NOUN
ajbmeb-3173	45	10	of	of	ADP
ajbmeb-3173	45	11	non	non	NOUN
ajbmeb-3173	45	12	-	-	NOUN
ajbmeb-3173	45	13	repayment	repayment	NOUN
ajbmeb-3173	45	14	of	of	ADP
ajbmeb-3173	45	15	loans	loan	NOUN
ajbmeb-3173	45	16	.	.	PUNCT
ajbmeb-3173	46	1	4	4	X
ajbmeb-3173	46	2	.	.	X
ajbmeb-3173	46	3	lack	lack	NOUN
ajbmeb-3173	46	4	of	of	ADP
ajbmeb-3173	46	5	sufficient	sufficient	ADJ
ajbmeb-3173	46	6	collateral	collateral	NOUN
ajbmeb-3173	46	7	when	when	SCONJ
ajbmeb-3173	46	8	obtaining	obtain	VERB
ajbmeb-3173	46	9	bank	bank	NOUN
ajbmeb-3173	46	10	loans	loan	NOUN
ajbmeb-3173	46	11	from	from	ADP
ajbmeb-3173	46	12	representatives	representative	NOUN
ajbmeb-3173	46	13	of	of	ADP
ajbmeb-3173	46	14	small	small	ADJ
ajbmeb-3173	46	15	businesses	business	NOUN
ajbmeb-3173	46	16	.	.	PUNCT
ajbmeb-3173	47	1	5	5	X
ajbmeb-3173	47	2	.	.	NOUN
ajbmeb-3173	47	3	assessment	assessment	NOUN
ajbmeb-3173	47	4	methods	method	NOUN
ajbmeb-3173	47	5	used	use	VERB
ajbmeb-3173	47	6	by	by	ADP
ajbmeb-3173	47	7	commercial	commercial	ADJ
ajbmeb-3173	47	8	banks	bank	NOUN
ajbmeb-3173	47	9	of	of	ADP
ajbmeb-3173	47	10	the	the	DET
ajbmeb-3173	47	11	republic	republic	NOUN
ajbmeb-3173	47	12	can	can	AUX
ajbmeb-3173	47	13	not	not	PART
ajbmeb-3173	47	14	give	give	VERB
ajbmeb-3173	47	15	a	a	DET
ajbmeb-3173	47	16	complete	complete	ADJ
ajbmeb-3173	47	17	description	description	NOUN
ajbmeb-3173	47	18	of	of	ADP
ajbmeb-3173	47	19	the	the	DET
ajbmeb-3173	47	20	borrower	borrower	NOUN
ajbmeb-3173	47	21	,	,	PUNCT
ajbmeb-3173	47	22	as	as	SCONJ
ajbmeb-3173	47	23	they	they	PRON
ajbmeb-3173	47	24	do	do	AUX
ajbmeb-3173	47	25	not	not	PART
ajbmeb-3173	47	26	take	take	VERB
ajbmeb-3173	47	27	into	into	ADP
ajbmeb-3173	47	28	account	account	NOUN
ajbmeb-3173	47	29	factors	factor	NOUN
ajbmeb-3173	47	30	that	that	PRON
ajbmeb-3173	47	31	are	be	AUX
ajbmeb-3173	47	32	not	not	PART
ajbmeb-3173	47	33	related	relate	VERB
ajbmeb-3173	47	34	to	to	ADP
ajbmeb-3173	47	35	financial	financial	ADJ
ajbmeb-3173	47	36	coefficients	coefficient	NOUN
ajbmeb-3173	47	37	.	.	PUNCT
ajbmeb-3173	48	1	from	from	ADP
ajbmeb-3173	48	2	here	here	ADV
ajbmeb-3173	48	3	we	we	PRON
ajbmeb-3173	48	4	can	can	AUX
ajbmeb-3173	48	5	assume	assume	VERB
ajbmeb-3173	48	6	that	that	SCONJ
ajbmeb-3173	48	7	commercial	commercial	ADJ
ajbmeb-3173	48	8	banks	bank	NOUN
ajbmeb-3173	48	9	use	use	VERB
ajbmeb-3173	48	10	an	an	DET
ajbmeb-3173	48	11	incomplete	incomplete	ADJ
ajbmeb-3173	48	12	system	system	NOUN
ajbmeb-3173	48	13	for	for	ADP
ajbmeb-3173	48	14	analyzing	analyze	VERB
ajbmeb-3173	48	15	the	the	DET
ajbmeb-3173	48	16	creditworthiness	creditworthiness	NOUN
ajbmeb-3173	48	17	of	of	ADP
ajbmeb-3173	48	18	borrowers	borrower	NOUN
ajbmeb-3173	48	19	,	,	PUNCT
ajbmeb-3173	48	20	which	which	PRON
ajbmeb-3173	48	21	most	most	ADV
ajbmeb-3173	48	22	likely	likely	ADV
ajbmeb-3173	48	23	distorts	distort	VERB
ajbmeb-3173	48	24	the	the	DET
ajbmeb-3173	48	25	real	real	ADJ
ajbmeb-3173	48	26	picture	picture	NOUN
ajbmeb-3173	48	27	.	.	PUNCT
ajbmeb-3173	49	1	6	6	X
ajbmeb-3173	49	2	.	.	X
ajbmeb-3173	49	3	the	the	DET
ajbmeb-3173	49	4	share	share	NOUN
ajbmeb-3173	49	5	of	of	ADP
ajbmeb-3173	49	6	foreign	foreign	ADJ
ajbmeb-3173	49	7	investments	investment	NOUN
ajbmeb-3173	49	8	on	on	ADP
ajbmeb-3173	49	9	loans	loan	NOUN
ajbmeb-3173	49	10	issued	issue	VERB
ajbmeb-3173	49	11	in	in	ADP
ajbmeb-3173	49	12	foreign	foreign	ADJ
ajbmeb-3173	49	13	currency	currency	NOUN
ajbmeb-3173	49	14	is	be	AUX
ajbmeb-3173	49	15	small	small	ADJ
ajbmeb-3173	49	16	[	[	X
ajbmeb-3173	49	17	4	4	NUM
ajbmeb-3173	49	18	]	]	PUNCT
ajbmeb-3173	49	19	;	;	PUNCT
ajbmeb-3173	49	20	.	.	PUNCT
ajbmeb-3173	50	1	to	to	PART
ajbmeb-3173	50	2	solve	solve	VERB
ajbmeb-3173	50	3	the	the	DET
ajbmeb-3173	50	4	above	above	ADJ
ajbmeb-3173	50	5	problems	problem	NOUN
ajbmeb-3173	50	6	,	,	PUNCT
ajbmeb-3173	50	7	we	we	PRON
ajbmeb-3173	50	8	apply	apply	VERB
ajbmeb-3173	50	9	economic	economic	ADJ
ajbmeb-3173	50	10	proposals	proposal	NOUN
ajbmeb-3173	50	11	in	in	ADP
ajbmeb-3173	50	12	our	our	PRON
ajbmeb-3173	50	13	banking	banking	NOUN
ajbmeb-3173	50	14	practice	practice	NOUN
ajbmeb-3173	50	15	and	and	CCONJ
ajbmeb-3173	50	16	in	in	ADP
ajbmeb-3173	50	17	the	the	DET
ajbmeb-3173	50	18	future	future	NOUN
ajbmeb-3173	50	19	will	will	AUX
ajbmeb-3173	50	20	increase	increase	VERB
ajbmeb-3173	50	21	the	the	DET
ajbmeb-3173	50	22	efficiency	efficiency	NOUN
ajbmeb-3173	50	23	of	of	ADP
ajbmeb-3173	50	24	lending	lend	VERB
ajbmeb-3173	50	25	to	to	ADP
ajbmeb-3173	50	26	small	small	ADJ
ajbmeb-3173	50	27	businesses	business	NOUN
ajbmeb-3173	50	28	and	and	CCONJ
ajbmeb-3173	50	29	strengthen	strengthen	VERB
ajbmeb-3173	50	30	the	the	DET
ajbmeb-3173	50	31	stability	stability	NOUN
ajbmeb-3173	50	32	of	of	ADP
ajbmeb-3173	50	33	internal	internal	ADJ
ajbmeb-3173	50	34	and	and	CCONJ
ajbmeb-3173	50	35	external	external	ADJ
ajbmeb-3173	50	36	sources	source	NOUN
ajbmeb-3173	50	37	of	of	ADP
ajbmeb-3173	50	38	lending	lending	NOUN
ajbmeb-3173	50	39	.	.	PUNCT
ajbmeb-3173	51	1	references	reference	NOUN
ajbmeb-3173	51	2	:	:	PUNCT
ajbmeb-3173	51	3	1	1	X
ajbmeb-3173	51	4	.	.	PUNCT
ajbmeb-3173	51	5	official	official	ADJ
ajbmeb-3173	51	6	website	website	NOUN
ajbmeb-3173	51	7	of	of	ADP
ajbmeb-3173	51	8	the	the	DET
ajbmeb-3173	51	9	central	central	ADJ
ajbmeb-3173	51	10	bank	bank	NOUN
ajbmeb-3173	51	11	of	of	ADP
ajbmeb-3173	51	12	the	the	DET
ajbmeb-3173	51	13	republic	republic	NOUN
ajbmeb-3173	51	14	of	of	ADP
ajbmeb-3173	51	15	uzbekistan//monetary	uzbekistan//monetary	ADJ
ajbmeb-3173	51	16	policy	policy	NOUN
ajbmeb-3173	51	17	report//electronic	report//electronic	NOUN
ajbmeb-3173	51	18	resource	resource	NOUN
ajbmeb-3173	51	19	.	.	PUNCT
ajbmeb-3173	52	1	2025	2025	NUM
ajbmeb-3173	52	2	year	year	NOUN
ajbmeb-3173	52	3	.	.	PUNCT
ajbmeb-3173	53	1	http://cbu.uz/uzc/monetarnaya-politika/doklad-o-monetarnoy-politike/	http://cbu.uz/uzc/monetarnaya-politika/doklad-o-monetarnoy-politike/	X
ajbmeb-3173	54	1	20.04.2025	20.04.2025	NUM
ajbmeb-3173	54	2	г	г	NOUN
ajbmeb-3173	54	3	.	.	PUNCT
ajbmeb-3173	54	4	http://cbu.uz/uzc/monetarnaya-politika/doklad-o-monetarnoy-politike/	http://cbu.uz/uzc/monetarnaya-politika/doklad-o-monetarnoy-politike/	CCONJ
ajbmeb-3173	54	5	american	american	PROPN
ajbmeb-3173	54	6	journal	journal	PROPN
ajbmeb-3173	54	7	of	of	ADP
ajbmeb-3173	54	8	business	business	NOUN
ajbmeb-3173	54	9	management	management	NOUN
ajbmeb-3173	54	10	,	,	PUNCT
ajbmeb-3173	54	11	economics	economic	NOUN
ajbmeb-3173	54	12	and	and	CCONJ
ajbmeb-3173	54	13	banking	banking	NOUN
ajbmeb-3173	54	14	volume	volume	NOUN
ajbmeb-3173	54	15	42	42	NUM
ajbmeb-3173	54	16	november2025	november2025	PROPN
ajbmeb-3173	54	17	p	p	NOUN
ajbmeb-3173	54	18	a	a	PRON
ajbmeb-3173	54	19	g	g	NOUN
ajbmeb-3173	54	20	e	e	NOUN
ajbmeb-3173	54	21	|	|	ADV
ajbmeb-3173	54	22	39	39	NUM
ajbmeb-3173	54	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3173	54	24	2	2	NUM
ajbmeb-3173	54	25	.	.	PUNCT
ajbmeb-3173	54	26	decree	decree	NOUN
ajbmeb-3173	54	27	of	of	ADP
ajbmeb-3173	54	28	the	the	DET
ajbmeb-3173	54	29	president	president	NOUN
ajbmeb-3173	54	30	of	of	ADP
ajbmeb-3173	54	31	the	the	DET
ajbmeb-3173	54	32	republic	republic	NOUN
ajbmeb-3173	54	33	of	of	ADP
ajbmeb-3173	54	34	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	54	35	pp-2768	pp-2768	NOUN
ajbmeb-3173	54	36	"	"	PUNCT
ajbmeb-3173	54	37	on	on	ADP
ajbmeb-3173	54	38	the	the	DET
ajbmeb-3173	54	39	establishment	establishment	NOUN
ajbmeb-3173	54	40	of	of	ADP
ajbmeb-3173	54	41	the	the	DET
ajbmeb-3173	54	42	guarantee	guarantee	NOUN
ajbmeb-3173	54	43	fund	fund	NOUN
ajbmeb-3173	54	44	for	for	ADP
ajbmeb-3173	54	45	the	the	DET
ajbmeb-3173	54	46	development	development	NOUN
ajbmeb-3173	54	47	of	of	ADP
ajbmeb-3173	54	48	small	small	ADJ
ajbmeb-3173	54	49	businesses	business	NOUN
ajbmeb-3173	54	50	"	"	PUNCT
ajbmeb-3173	54	51	dated	date	VERB
ajbmeb-3173	54	52	10.02.2017	10.02.2017	NUM
ajbmeb-3173	54	53	.	.	NOUN
ajbmeb-3173	54	54	3	3	X
ajbmeb-3173	54	55	.	.	X
ajbmeb-3173	54	56	official	official	ADJ
ajbmeb-3173	54	57	website	website	NOUN
ajbmeb-3173	54	58	of	of	ADP
ajbmeb-3173	54	59	the	the	DET
ajbmeb-3173	54	60	international	international	ADJ
ajbmeb-3173	54	61	monetary	monetary	ADJ
ajbmeb-3173	54	62	fund//	fund//	PROPN
ajbmeb-3173	54	63	final	final	ADJ
ajbmeb-3173	54	64	report	report	NOUN
ajbmeb-3173	54	65	of	of	ADP
ajbmeb-3173	54	66	the	the	DET
ajbmeb-3173	54	67	international	international	ADJ
ajbmeb-3173	54	68	monetary	monetary	ADJ
ajbmeb-3173	54	69	fund	fund	NOUN
ajbmeb-3173	54	70	/	/	SYM
ajbmeb-3173	54	71	/	/	SYM
ajbmeb-3173	54	72	electronic	electronic	ADJ
ajbmeb-3173	54	73	resource	resource	NOUN
ajbmeb-3173	54	74	.	.	PUNCT
ajbmeb-3173	55	1	2018	2018	NUM
ajbmeb-3173	55	2	.	.	PUNCT
ajbmeb-3173	56	1	http://www.imf.org/external/pubs/ft/ar/2017/eng/index.htm	http://www.imf.org/external/pubs/ft/ar/2017/eng/index.htm	PROPN
ajbmeb-3173	56	2	20.04.2018	20.04.2018	NUM
ajbmeb-3173	56	3	4	4	X
ajbmeb-3173	56	4	.	.	PUNCT
ajbmeb-3173	57	1	tozhiev	tozhiev	PROPN
ajbmeb-3173	57	2	r.	r.	PROPN
ajbmeb-3173	57	3	r.	r.	PROPN
ajbmeb-3173	57	4	,	,	PUNCT
ajbmeb-3173	57	5	temirov	temirov	NOUN
ajbmeb-3173	57	6	a.	a.	NOUN
ajbmeb-3173	57	7	a.	a.	NOUN
ajbmeb-3173	57	8	"	"	PUNCT
ajbmeb-3173	57	9	ways	way	NOUN
ajbmeb-3173	57	10	to	to	PART
ajbmeb-3173	57	11	improve	improve	VERB
ajbmeb-3173	57	12	the	the	DET
ajbmeb-3173	57	13	system	system	NOUN
ajbmeb-3173	57	14	of	of	ADP
ajbmeb-3173	57	15	crediting	credit	VERB
ajbmeb-3173	57	16	small	small	ADJ
ajbmeb-3173	57	17	business	business	NOUN
ajbmeb-3173	57	18	entities	entity	NOUN
ajbmeb-3173	57	19	of	of	ADP
ajbmeb-3173	57	20	the	the	DET
ajbmeb-3173	57	21	republic	republic	NOUN
ajbmeb-3173	57	22	of	of	ADP
ajbmeb-3173	57	23	uzbekistan	uzbekistan	PROPN
ajbmeb-3173	57	24	"	"	PUNCT
ajbmeb-3173	57	25	/	/	SYM
ajbmeb-3173	57	26	/	/	SYM
ajbmeb-3173	57	27	economic	economic	ADJ
ajbmeb-3173	57	28	sciences	science	NOUN
ajbmeb-3173	57	29	.	.	PUNCT
ajbmeb-3173	58	1	no	no	INTJ
ajbmeb-3173	58	2	.	.	NOUN
ajbmeb-3173	59	1	6	6	NUM
ajbmeb-3173	59	2	-	-	SYM
ajbmeb-3173	59	3	1	1	NUM
ajbmeb-3173	59	4	(	(	PUNCT
ajbmeb-3173	59	5	18	18	NUM
ajbmeb-3173	59	6	)	)	PUNCT
ajbmeb-3173	59	7	.	.	PUNCT
ajbmeb-3173	60	1	2023	2023	NUM
ajbmeb-3173	60	2	,	,	PUNCT
ajbmeb-3173	60	3	5	5	NUM
ajbmeb-3173	60	4	p.	p.	NOUN
ajbmeb-3173	60	5	http://www.imf.org/external/pubs/ft/ar/2017/eng/index.htm	http://www.imf.org/external/pubs/ft/ar/2017/eng/index.htm	PROPN