{"id":12490,"date":"2026-07-22T16:41:12","date_gmt":"2026-07-22T11:41:12","guid":{"rendered":"https:\/\/pivot.uz\/?p=12490"},"modified":"2026-07-22T16:44:07","modified_gmt":"2026-07-22T11:44:07","slug":"ozbekiston-islomiy-banklar-uchun-litsenziyalash-qoidalarini-tasdiqladi","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/ozbekiston-islomiy-banklar-uchun-litsenziyalash-qoidalarini-tasdiqladi\/","title":{"rendered":"O\u2018zbekiston islomiy banklar uchun litsenziyalash qoidalarini tasdiqladi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O\u2018zbekistonda islomiy banklar va <strong>islomiy darcha (Islamic window)<\/strong> faoliyatini litsenziyalash bo\u2018yicha yangi tartib tasdiqlandi. Bu qaror mamlakatda shariat tamoyillariga asoslangan moliyaviy xizmatlar uchun huquqiy asos yaratadi. Yangi tartibga ko\u2018ra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>islomiy banklar alohida litsenziya asosida faoliyat yuritadi;<\/li>\n\n\n\n<li>amaldagi tijorat banklari islomiy darchalarni ishga tushirishi mumkin;<\/li>\n\n\n\n<li>barcha islomiy bank operatsiyalari Markaziy bank nazorati ostida bo\u2018ladi hamda Shariat kengashlari tomonidan monitoring qilinadi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">An\u2019anaviy bank tizimidan farqli ravishda, islomiy moliya foiz (riba) asosidagi kreditlashni taqiqlaydi va foyda hamda riskni taqsimlash tamoyiliga asoslanadi. Yangi tartib orqali <strong>murabaha, musharaka, mudaraba, ijara<\/strong> va <strong>istisna<\/strong> kabi shariatga mos moliyaviy instrumentlarni taklif qilish imkoniyati yaratiladi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bugungi kunda dunyodagi <strong>islomiy moliya aktivlari hajmi 4 trillion dollardan oshgan<\/strong> bo\u2018lib, bu moliya sektorining eng tez rivojlanayotgan yo\u2018nalishlaridan biri hisoblanadi. Tahlilchilarga ko\u2018ra, yaqin yillarda ushbu bozor o\u2018sishda davom etadi va hukumatlar hamda moliyaviy institutlarning e\u2019tiborini yanada ko\u2018proq tortadi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekiston uchun bu yo\u2018nalish alohida ahamiyatga ega. Mamlakat aholisining <strong>95 foizdan ortig\u2018i musulmonlar<\/strong> bo\u2018lgani sababli, shariat tamoyillariga mos moliyaviy mahsulotlarga bo\u2018lgan talab uzoq yillardan buyon yuqori deya baholanib kelinmoqda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Markaziy bank rejasiga ko\u2018ra, <strong>2030-yilgacha O\u2018zbekistonda 10 ta islomiy bank tashkil etilishi<\/strong>, shuningdek, <strong>3 ta davlat bankida islomiy darchalar ishga tushirilishi<\/strong> ko\u2018zda tutilgan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yangi huquqiy baza nafaqat mahalliy mijozlar uchun yangi moliyaviy xizmatlarni yaratadi, balki O\u2018zbekistonning Fors ko\u2018rfazi davlatlari, Malayziya va boshqa yirik islomiy moliya bozorlari bilan investitsiyaviy hamkorligini ham kuchaytirishi mumkin. Shuningdek, yangi tartib:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>xorijiy islomiy banklarning O\u2018zbekiston bozoriga kirishini rag\u2018batlantiradi;<\/li>\n\n\n\n<li><strong>sukuk<\/strong> kabi yangi moliyaviy instrumentlarni rivojlantirishga zamin yaratadi;<\/li>\n\n\n\n<li>startaplar hamda kichik va o\u2018rta biznes uchun muqobil moliyalashtirish imkoniyatlarini kengaytiradi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Islomiy bank tizimining joriy etilishi O\u2018zbekiston moliya sektoridagi eng muhim islohotlardan biri bo\u2018lishi mumkin. Endi asosiy savol \u2014 mamlakatning shakllanayotgan islomiy moliya bozoriga birinchi bo\u2018lib qaysi mahalliy va xalqaro banklar kirib keladi?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekistonda islomiy banklar va islomiy darcha (Islamic window) faoliyatini litsenziyalash bo\u2018yicha yangi tartib tasdiqlandi. Bu qaror mamlakatda shariat tamoyillariga asoslangan moliyaviy xizmatlar uchun huquqiy asos yaratadi. Yangi tartibga ko\u2018ra: An\u2019anaviy bank tizimidan farqli ravishda, islomiy moliya foiz (riba) asosidagi kreditlashni taqiqlaydi va foyda hamda riskni taqsimlash tamoyiliga asoslanadi. Yangi tartib orqali murabaha, musharaka, mudaraba, ijara [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12488,"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":[115],"tags":[],"jnews-series":[],"class_list":["post-12490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12490","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=12490"}],"version-history":[{"count":1,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12490\/revisions"}],"predecessor-version":[{"id":12491,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12490\/revisions\/12491"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/12488"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=12490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=12490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=12490"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=12490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}