OVERDRAFT AND DEVELOPMENT LOANS FOR BUSINESS ENTITIES: THEORETICAL AND PRACTICAL ANALYSIS AS FINANCIAL INSTRUMENTS

Ruzimurodov Olim,Akmalov Javlon

Authors

Ruzimurodov Olim,Akmalov Javlon Associate Professor, PhD, Samarkand Institute of Economics and Service,Student of Samarkand Institute of Economics and Service

Keywords:

overdraft, development loan, business entities, liquidity, investment, banking system, credit policy, Central Bank, financial stability, economic growth.

Abstract

This scientific article analyzes the economic essence and practical application of overdraft and development loans for business entities, as well as their role within the banking system of Uzbekistan. Overdraft facilities are considered as a short-term liquidity management tool, while development loans are examined as long-term financing instruments for investment and economic expansion. The study is based on the regulatory framework of the Republic of Uzbekistan, data from the Central Bank, and relevant economic literature. The research highlights the impact of these credit instruments on financial stability, economic growth, and the efficient functioning of business entities.

References

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