“SOLIQ QARZDORLIKLARNI VUJUDGA KELISH SABABLAR HAMDA ULARNI BARTARAF ETISH YO‘LLARI”. Ta’limning zamonaviy transformatsiyasi 15, no. 1 (January 5, 2025): 281–287. Accessed January 22, 2025. https://pedagoglar.org/03/article/view/6761.