JAMGʻARMANI IQTISODIYOTDAGI OʻRNI (ОБРАЗОВАНИЕ НАУКА И ИННОВАЦИОННЫЕ ИДЕИ В МИРЕ, 2025)
ANNOTATSIYA Ushbu maqolada jamgʻarma tushunchasining iqtisodiy mohiyati, uning mikro, mezo va makro darajadagi ahamiyati keng yoritilgan. Aholi, korxona va davlat miqyosida jamgʻarma madaniyatining shakllanishi va rivojlanishi iqtisodiy barqarorlik va o‘sishning muhim omili sifatida ko‘rib chiqiladi. Shuningdek, jamgʻarma va investitsiya o‘rtasidagi bogʻliqlik, bank tizimi orqali resurslarni safarbar qilish, moliyaviy xavfsizlikni ta’minlash kabi jihatlar nazariy va amaliy misollar asosida tahlil qilinadi. O‘zbekiston iqtisodiyoti misolida mavjud imkoniyatlar, dolzarb muammolar va ularni bartaraf etish bo‘yicha takliflar berilgan. Maqola jamgʻarma siyosatining rivojlanishi uchun zarur bo‘lgan tizimli yondashuv va islohotlarning ahamiyatini ko‘rsatadi.ANNOTATION This article explores the economic essence of savings and highlights its significance at the micro, meso, and macro levels. The formation and development of a savings culture among individuals, businesses, and governments are examined as key factors in ensuring economic stability and sustainable growth. The interconnection between savings and investment, the mobilization of resources through the banking system, and the role of savings in enhancing financial security are analyzed through both theoretical insights and practical examples. Using Uzbekistan’s economic landscape as a case study, the paper outlines current opportunities, pressing challenges, and policy recommendations for improvement. The article emphasizes the importance of a systematic approach and reforms in the development of effective savings policies.