MOLIYAVIY SAVODXONLIK — IQTISODIY BARQARORLIK VA IJTIMOIY FAROVONLIKNING ASOSIY HARAKATLANTIRUVCHI OMILI SIFATIDA
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Аннотация:
Ushbu maqolada moliyaviy savodxonlikning ijtimoiy taraqqiyot, iqtisodiy barqarorlik hamda jamiyat farovonligidagi o‘rni tahlil qilinadi. Moliyaviy savodxonlik shaxslarning ongli moliyaviy qarorlar qabul qilishiga imkon beruvchi omil sifatida emas, balki moliyaviy tizim barqarorligi, resurslardan samarali foydalanish va barqaror iqtisodiy o‘sishni ta’minlovchi muhim omil sifatida ham ko‘rib chiqiladi. Tadqiqotda moliyaviy savodxonlikning iqtisodiy xulq-atvor, jamg‘arma odatlari, tadbirkorlik faolligi, kredit intizomi va ijtimoiy barqarorlikka ta’siri o‘rganiladi. Shuningdek, xalqaro tajribalar va amaliy kuzatuvlarga tayanib, past moliyaviy savodxonlikning moliyaviy zaiflik, ortiqcha qarzdorlik, firibgarlik xavfi va kambag‘allikning chuqurlashuvi kabi oqibatlarga olib kelishi mumkinligi ta’kidlanadi. Maqolada jamiyatda moliyaviy savodxonlikni rivojlantirishga qaratilgan institutsional strategiyalar va ta’limiy tashabbuslarning ahamiyati yoritilib, moliyaviy ongning oshishi uzoq muddatli iqtisodiy va ijtimoiy taraqqiyotning muhim omili ekanligi asoslab beriladi.
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