{"id":10404,"date":"2026-02-04T18:00:00","date_gmt":"2026-02-04T13:00:00","guid":{"rendered":"https:\/\/pivot.uz\/?p=10404"},"modified":"2026-02-04T13:30:02","modified_gmt":"2026-02-04T08:30:02","slug":"ozbekiston-oz-milliardlarini-qayerga-komyapti","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/ozbekiston-oz-milliardlarini-qayerga-komyapti\/","title":{"rendered":"O\u2018zbekiston o\u2018z milliardlarini qayerga &laquo;ko\u2018myapti&raquo;?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>O\u2018zbekiston chegaralari osha har yili ko\u2018zga ko\u2018rinmas, lekin qudratli bir daryo oqib kiradi. Bu daryoning nomi \u2014 <strong>Kapital<\/strong>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rasmiy statistika va xalqaro moliya institutlari ma\u2019lumotlariga ko\u2018ra, xorijdagi vatandoshlarimiz \u2014 zahmatkash o\u2018zbek diasporasi har yili Vatanimizga <strong>15 dan 20 milliard dollargacha<\/strong> mablag\u2018 yuboradi. Bu shunchaki raqam emas. Bu \u2014 millionlab insonlarning peshona teri, uyqusiz tunlari va oilasidan uzoqda chekkan mashaqqatlari mahsulidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lekin keling, o\u2018zimizga achchiq bir savolni beraylik: <strong>Bu ulkan energiya qayerga ketyapti?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Afsuski, javob ko\u2018ngilni xira qiladi. Biz bu mablag\u2018larning katta qismini &laquo;o\u2018lik aktivlar&raquo;ga aylantiryapmiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bizda pul topgan odamning birinchi ishi \u2014 uy qurish. Ikkinchisi \u2014 dabdabali to\u2018y qilish. Uchinchisi \u2014 yana uy qurish (hech kim yashamasa ham).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biz beton devorlarga oshiqmiz. Bizga &laquo;g\u2018isht&raquo; ishonchliroq tuyuladi. Lekin iqtisodiyot tili bilan aytganda, bu \u2014 kapitalning muzlatilishidir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To\u2018yga sarflangan 20 ming dollar ertasiga xotiraga aylanadi.<\/li>\n\n\n\n<li>Bo\u2018sh turgan uchinchi uy iqtisodiyotga qo\u2018shimcha qiymat yaratmaydi, ish o\u2018rni ochmaydi, eksport qilmaydi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Biz kelajakni emas, bugungi kunning soxta obro\u2018sini sotib olyapmiz. Holbuki, dunyo allaqachon o\u2018zgardi. Eng boy davlatlar va odamlar bugun binolarga emas, <strong>miyalarga<\/strong> sarmoya kiritmoqda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1% qoidasi va $200M&nbsp;<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Startup Garage va Imkon.VC<\/strong> jamoasi sifatida biz oddiy bir taklifni o\u2018rtaga tashlayapmiz. Keling, o\u2018sha umumiy oqimning bor-yo\u2018g\u2018i <strong>1 foizini<\/strong> betondan va bazmlardan <strong>innovatsiyalarga<\/strong> buraylik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Matematika oddiy, lekin natijasi dahshatli: Yillik 20 milliard dollarning 1 foizi \u2014 bu <strong>200 million AQSH dollari<\/strong> degani.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekiston startap ekotizimi uchun bu shunchaki pul emas, bu \u2014 <strong>yadroli yoqilg\u2018i<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agar biz har yili iqtisodiyotga 200 million dollarlik &laquo;aqlli pul&raquo; (smart money) kiritishni boshlasak, yaqin 10 yil ichida O\u2018zbekistonda nimalar sodir bo\u2018ladi?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mening ishonchim komil, bu sarmoya evaziga O\u2018zbekistondan kamida <strong>10 ta Unicorn<\/strong> (milliard dollarlik kompaniya) va bir nechta <strong>Decacorn<\/strong>lar chiqadi.<\/li>\n\n\n\n<li>Biz paxta yoki gaz emas, balki intellektual mulk eksport qiluvchi davlatga aylanamiz.<\/li>\n\n\n\n<li>Startaplar va xususiy kapital bozoriga to\u2018g\u2018ri tikilgan sarmoya investorlarga yillik <strong>15-20% va undan yuqori<\/strong> daromad keltirishi mumkin. Bu har qanday bank depozitidan yoki ijara haqidan yuqoridir.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">&laquo;Startup Garage&raquo; loyihasini boshlaganimizda biz bir narsani tushundik: O\u2018zbekistonda iste\u2019dod bor. Biz azaldan Xorazmiylar, Beruniylar avlodimiz. Bizda &laquo;motor&raquo; bor. Lekin zamonaviy startaplar &laquo;ochlikdan&raquo; \u2014 mablag\u2018sizlikdan so\u2018nmoqda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siz istagancha inkubatorlar qurishingiz mumkin, lekin agar yasayotgan &laquo;dvigatel&raquo;laringizga quyish uchun &laquo;yoqilg\u2018i&raquo; bo\u2018lmasa, siz shunchaki <strong>prototiplar muzeyini<\/strong> quryapsiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biz <strong>Imkon.VC<\/strong> orqali aynan shu yoqilg\u2018ini yetkazib bermoqchimiz. Biz an\u2019anaviy moliya olamidagi to\u2018siqlarni olib tashladik va <strong>ulushli kraudfandingni<\/strong> joriy etdik. Endi oddiy o\u2018qituvchi, muhandis yoki xorijdagi migrant o\u2018z jamg\u2018armasini O\u2018zbekistonning eng kuchli kompaniyalariga tikishi mumkin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hurmatli vatandoshlar!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siz yillar davomida o\u2018z vataningizni uzoqdan turib qo\u2018llab keldingiz. Endi uni <strong>qurish<\/strong> va uning <strong>egasi bo\u2018lish<\/strong> vaqti keldi. Biz beton devorlar emas, ko\u2018priklar qurishimiz kerak. Iste\u2019mol emas, investitsiya qilishimiz kerak. Agar biz birlashib, o\u2018sha 1% oqimni to\u2018g\u2018ri yo\u2018naltira olsak, O\u2018zbekiston mintaqaning shunchaki geografik markazi emas, balki <strong>innovatsion yuragi<\/strong>ga aylanadi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pulingizni o\u2018lik devorlarga emas, millatning &laquo;aqlli&raquo; kelajagiga tiking. <strong>Kelajak bugun boshlanadi. Imkon bering.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\">Muhammad Xalil \u2014 Startup Garage va <a href=\"http:\/\/imkon.vc\" target=\"_blank\" rel=\"noopener\">Imkon.VC<\/a> asoschisi<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekiston chegaralari osha har yili ko\u2018zga ko\u2018rinmas, lekin qudratli bir daryo oqib kiradi. Bu daryoning nomi \u2014 Kapital. Rasmiy statistika va xalqaro moliya institutlari ma\u2019lumotlariga ko\u2018ra, xorijdagi vatandoshlarimiz \u2014 zahmatkash o\u2018zbek diasporasi har yili Vatanimizga 15 dan 20 milliard dollargacha mablag\u2018 yuboradi. Bu shunchaki raqam emas. Bu \u2014 millionlab insonlarning peshona teri, uyqusiz tunlari va [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10402,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[299],"tags":[],"jnews-series":[],"class_list":["post-10404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-intervyu"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10404","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=10404"}],"version-history":[{"count":1,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10404\/revisions"}],"predecessor-version":[{"id":10405,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10404\/revisions\/10405"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/10402"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=10404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=10404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=10404"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=10404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}