Title: Electronic Scientific and Practical Journal "The Innovation economy" Languages: Uzbek, Russian, English Founder: Karshi Engineering Economics Institute Publication year: 2023 Duration: 4 issues per year Specialization (areas): 1. Theory and methodology 2. Digital economy 3. Economy of the region and industry 4. Small business and private entrepreneurship 5. Economics of human capital 6. Management and marketing 7. Accounting, economic analysis and audit 8. Finance, credit and investment 9. Econometrics and statistics 10. Service sector Scientific-practical electronic magazine "Innovation Economy" - Information and Public Relations Agency under the Administration of the President of the Republic of Uzbekistan was registered on March 10, 2023 with the number 068055. ISSN: 3030-315X
TAXABLE SOURCES OF LOCAL BUDGET REVENUES AND THEIR EFFICIENCY
This article scientifically analyzes the main tax sources of local budget revenues, their economic content, and their role in ensuring the financial stability of regions. It also presents conclusions on issues of increasing the efficiency of tax revenues and improving existing mechanisms.
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INSTITUTIONAL AND FINANCIAL MECHANISMS FOR IMPROVING THE EFFICIENCY OF PROJECT FINANCING OF INVESTMENT PROJECTS IN COMMERCIAL BANKS
This article examines institutional and financial mechanisms for improving the efficiency of project financing of investment projects in commercial banks. The study is based on a theoretical analysis of project financing principles, including cash flow–based lending, risk allocation, and institutional conditions influencing the effectiveness of project-based financing. Particular attention is given to identifying institutional and methodological limitations that constrain the practical application of project financing in commercial banks. Based on the analysis, the article proposes an integrated institutional and financial mechanism aimed at enhancing the efficiency of project financing. The proposed mechanism emphasizes the strengthening of regulatory and legal frameworks, the establishment of specialized project finance units within commercial banks, the improvement of project-specific risk management practices, and the expansion of access to long-term funding sources. The findings of the study contribute to the development of project financing theory and provide practical recommendations for commercial banks and policymakers seeking to support investment-driven economic growth, particularly in transition economies.
INVESTMENT ENVIRONMENT OF KASHKADARYA REGION: ANALYSIS OF CURRENT SITUATION AND PROBLEMS
The analysis of the investment environment in Qashqadaryo region is crucial for economic development and population welfare. Current challenges include insufficient digital infrastructure, bureaucratic barriers, and low internet coverage in rural areas. To attract foreign direct investment, digital transformation, improved administrative services, and public-private partnerships are necessary. This article highlights the region’s economic potential and ways to enhance its investment attractiveness.
IMPACT OF PROBLEM LOANS IN COMMERCIAL BANKS IN UZBEKISTAN ON THE COUNTRY'S ECONOMY
This article examines the impact of non-performing loans (NPLs) in commercial banks of Uzbekistan on the national economy. The study analyzes the quality of banks’ loan portfolios, the dynamics of non-performing loans, and their relationship with financial stability and economic growth. Based on official statistical data and international experience, the paper assesses the influence of NPLs on lending activity, investment processes, and the stability of the banking system. The findings provide practical insights for reducing non-performing loans and improving credit risk management mechanisms in commercial banks.
MEASURES TO IMPROVE BANKS' INVESTMENT PROCESSES
This article provides a comprehensive analysis of measures aimed at improving the investment processes of commercial banks. The study examines the economic nature of bank investment activity, expansion of the resource base, investment risk management, implementation of digital technologies, and optimization of investment portfolios. Based on national and international experience, the role of bank investments in supporting real sector development is substantiated. The research findings offer scientific and practical conclusions aimed at enhancing banks’ investment potential, strengthening financial system stability, and accelerating sustainable economic growth.
ISSUES OF STRENGTHENING THE FINANCIAL SUPPORT OF HIGHER EDUCATION INSTITUTIONS IN UZBEKISTAN
This article examines the pressing issues of strengthening the financial support of higher education institutions in Uzbekistan. The effective functioning of the higher education system and the preparation of competitive specialists directly impact the country’s economic and social development. The study analyzes funding sources such as the state budget, tuition fees, grants, and private investments. Particular emphasis is placed on increasing financial autonomy, efficient resource utilization, and implementing performance-based financing mechanisms. The research findings contribute to enhancing the stability of higher education institutions and improving the quality of education.
DIRECTIONS AND PROSPECTS FOR THE DEVELOPMENT OF FAMILY ENTREPRENEURSHIP IN AGRICULTURE
This article provides an in-depth scientific analysis of modern conceptual approaches, the economic essence, and the structural factors of developing family entrepreneurship in agriculture. Within the scope of the study, family farms are considered an important institutional unit ensuring the sustainable development of the agrarian sector. Their functional role in the effective use of regional labor resources, diversification of income sources, and promotion of inclusive growth in rural economies is substantiated. Furthermore, state agrarian policy, financial-institutional mechanisms, credit and grant packages, cooperative processes, and innovative agrotechnologies are evaluated as the main drivers supporting family entrepreneurship. The research findings include scientific conclusions and forward-looking recommendations aimed at improving the economic efficiency of family entrepreneurship, optimizing resource use, and shaping a competitive model in market relations.
IMPROVING THE QUALITY OF LIFE OF THE POPULATION BASED ON THE DEVELOPMENT OF ENTREPRENEURIAL ACTIVITY
This article analyzes the role of entrepreneurship in the economic system and its impact on the quality of life of the population. The issues of increasing employment, expanding sources of income, and strengthening regional economic activity through the development of entrepreneurship are discussed. The innovative activities of small business entities, factors for increasing competitiveness, and the effectiveness of support mechanisms created by the state are also studied. According to the results of the study, it is justified that through the systematic development of entrepreneurship, it is possible to ensure a sustainable increase in the social well-being and quality of life of the population.
THEORETICAL FOUNDATIONS OF INNOVATION IN ENTREPRENEURSHIP
The article examines the theoretical foundations of innovations in entrepreneurial activity. The study analyzes the concept and types of innovations, as well as their role in the entrepreneurial process. In addition, the mechanisms for implementing innovations and their impact on enterprise efficiency are identified. The research results indicate that innovations are a key driver of entrepreneurial development and contribute to improving economic efficiency.
GREEN ECONOMY AND ENVIRONMENTALLY FRIENDLY PROJECTS
This article examines the concept of the green economy, its core principles, and the importance of environmentally friendly projects. Particular attention is paid to the development of the green economy in the Republic of Uzbekistan, including projects related to renewable energy sources, energy efficiency improvement, sustainable transportation, and waste management. The study analyzes the role of these initiatives in promoting socio-economic development, improving public well-being, and maintaining environmental balance. The results show that the transition to a green economy is a key factor in ensuring sustainable development in Uzbekistan.
SOCIO-ECONOMIC CONSEQUENCES OF UNEMPLOYMENT AND EFFECTIVE MECHANISMS FOR ITS REDUCTION
This article analyzes the impact of unemployment on socio-economic development. It scientifically substantiates that a high level of unemployment leads to a decline in living standards, a reduction in production volumes, and a disruption of social stability. In addition, the importance of state policy, the development of entrepreneurship, and the vocational training system in increasing employment and reducing unemployment is highlighted. The research findings have scientific and practical significance for improving employment policy and developing effective strategies.
THE IMPORTANCE OF THE AUDITORY ANALYZER IN THE FORMATION OF PHONEMATIC PERCEPTION
The auditory system is a set of mechanical receptors and nervous structures that sense and analyze sound vibrations through the auditory organs. The structure of auditory analyzers, especially its peripheral part, differs in humans and animals. In higher vertebrates, including most mammals, auditory analyzers consist of the outer, middle, and inner ear, as well as the auditory nerve and nerve centers connected in series. The development of the auditory analyzers central unit is related to environmental factors and the importance of auditory analyzers in animal behavior. The shell barrier is of primary importance in detecting sound vibrations. This barrier consists of filtering auditory receptors located in a row along the cochlear barrier, which perform a mechanical spectral analysis of sound. Receptors receive vibrations in the range of 0.1 to 10 nm. Neurons located in the central part of auditory analyzers are sensitive to certain sound vibrations. Neural elements of auditory analyzers are sensitive to sound vibrations, as well as sound strength, duration, etc. The neurons of the central nervous system, and especially its upper part, are sensitive to complex features of sound (eg, frequency, direction and movement of sound amplitude modulation).
THE EFFECTIVENESS OF IMPLEMENTING INTERNATIONAL ISO STANDARDS IN PUBLIC ADMINISTRATION BODIES
The article analyzes the current issues of implementing ISO standards in public administration bodies, their dynamics from 2015 to 2024, their effectiveness and prospects. The article examines the advantages and difficulties of implementing ISO standards based on scientific literature, international experience and practical examples in public administration in Uzbekistan. Scientific and practical recommendations are given for implementing reforms in accordance with international standards.
DEVELOPING HUMAN RESOURCES IN THE UZBEKISTAN TEXTILE INDUSTRY THROUGH THE INTEGRATION OF “HALAL” MANAGEMENT AND HR TECHNOLOGIES
This article proposes a practice-oriented model for accelerated development of human resources in the textile, clothing, and knitwear industries of Uzbekistan based on the simultaneous integration of halal management principles (ethics, responsibility, transparency, and fairness) and modern digital HR technologies (HR information systems, e-recruitment, training systems, HR analytics, and digital time and competency tracking). This institutional framework is supported by the regulatory introduction of the Halol certification procedure by Cabinet of Ministers Resolution No. 57 of February 1, 2025, as well as the international accreditation of UzTest Halal by the Turkish Halal Accreditation Agency (HAK) in 2025. The result is a "Halal - HR + HR - Tech" model and a set of KPIs for the managed improvement of competencies, discipline, engagement, turnover, and export readiness of enterprises.
ANALYSIS OF ECONOMIC EFFICIENCY INDICATORS OF AGRIBUSINESS ENTITIES
This article analyzes the role of investments in increasing the economic efficiency of agribusiness entities in the Republic of Karakalpakstan. Based on data for 2016–2024, an econometric assessment of the relationship between agricultural investments and gross agricultural output was conducted using the STATA software. Trend, correlation, and regression models statistically substantiate the impact of investments on production volume, employment, and export potential. In addition, the experiences of the Netherlands, China, and Kazakhstan are analyzed, and scientific and practical recommendations for the development of agribusiness in the region are proposed. The results show the necessity of increasing investment activity, developing agro-clusters, and strengthening public-private partnership mechanisms.
SPECIFIC ASPECTS OF ORGANIZING ACCOUNTING WORK IN BUDGETARY ORGANIZATIONS OF REPUBLIC
This article talks about the features of accounting in budgetary organizations and accounting in social institutions. An analysis of the funds allocated for the social sphere from the state budget is presented. The improvement of the organizational, technical and methodological aspects of accounting in budgetary organizations is scientifically substantiated.
PECULIARITIES AND SIGNIFICANCE OF ORGANIZING INCOME AND EXPENSE ACCOUNTING BASED ON INTERNATIONAL STANDARDS
This article presents proposals and recommendations on key areas for improving the accounting and control of income and expenses. In the context of the formation of the digital economy, the effective use of financial indicators is of great importance in the activities of economic entities. The financial result of income and expenses is an important criterion for joint business management, as well as for attracting investors and partners to creditors.
THE IMPORTANCE OF FAMILY ENTREPRENEURSHIP IN INCREASING THE INCOME OF THE REGIONAL POPULATION
This article examines the history of entrepreneurship, its modern forms, family entrepreneurship, employment issues, and its impact on income growth. It also highlights the key development trends in family entrepreneurship.
SCIENTIFIC AND THEORETICAL BASIS OF COLD CHAIN INFRASTRUCTURE IN THE PROCESS OF INCREASING THE ADDITIONAL VALUE OF FRUIT AND VEGETABLE PRODUCTS
This article examines the role and importance of cold chain infrastructure in increasing the added value of fruits and vegetables. It analyzes the cost-effectiveness of temperature control systems in fruit and vegetable processing, from cultivation to delivery to the consumer. The results suggest that the implementation of cold chain infrastructure reduces product loss, extends shelf life, and increases export potential.
An Analysis of Regional Competitiveness in Uzbekistan (2015-2023): Trends, Drivers, and Policy Implications
This report presents a comprehensive analysis of the Regional Competitiveness Index (RCI) across Uzbekistan's regions from 2015 to 2023. Utilizing a composite index approach, the RCI measures regional strengths and weaknesses across four key sub-indices: Economic Performance, Education and Training, Infrastructure, and Labour Market Efficiency. The study identifies significant disparities in competitiveness, with Tashkent city consistently demonstrating superior performance, while many other regions exhibit varying development trajectories and, in some cases, declining trends. The analysis delves into the specific contributions of each sub-index and its underlying indicators, highlighting regions of particular strength and those requiring targeted intervention. The findings underscore the importance of a data-driven approach to regional development, emphasizing the need for tailored policy responses, continuous human capital investment, and infrastructure modernization to foster balanced and sustainable growth across Uzbekistan. The report concludes with actionable recommendations for enhancing regional competitiveness and outlines future applications of the RCI framework as a vital tool for strategic planning and performance monitoring.
INSTITUTIONAL ASPECTS OF THE DEVELOPMENT OF PUBLIC–PRIVATE PARTNERSHIP AND THE PRIVATE SECTOR IN UZBEKISTAN’S HEALTHCARE SYSTEM
This article analyzes the development processes of the private sector and public–private partnership (PPP) mechanisms in the healthcare system of Uzbekistan from both theoretical and practical perspectives. The study identifies a “dual” development dynamic characterized by the coexistence of positive institutional reforms and persistent structural and institutional constraints. The paper examines the rapid growth in the number of private medical institutions, the dominant position of the private sector in several specialized medical services, and the increasing share of private providers in the inpatient care segment. At the same time, relatively low levels of public healthcare expenditure, a high share of out-of-pocket payments, the incomplete implementation of mandatory health insurance, regional disparities, and shortages of medical personnel are identified as key factors limiting the sustainable development of the sector. The findings provide a basis for formulating policy-oriented conclusions aimed at ensuring the sustainable development of the national healthcare system through the coordination of public policy, institutional reforms, and private sector activity.
SCIENTIFIC AND THEORETICAL FOUNDATIONS OF IMPLEMENTING INNOVATIVE TECHNOLOGIES IN AGRICULTURE
This scientific article comprehensively examines the issue of increasing economic efficiency in the agricultural sector through the implementation of innovative technologies. The research is based on a literature review, within which the scientific works of Uzbek, Russian, and foreign scholars were systematically analyzed. The impact of innovative technologies on agricultural production processes, their role in increasing productivity, reducing production costs, enhancing labor productivity, and ensuring efficient use of resources are thoroughly discussed. The research findings substantiate the significant importance of innovative approaches in ensuring the sustainable development of agriculture.
DIRECTIONS FOR INCREASING THE EFFICIENCY OF SOLID WASTE PROCESSING IN INDUSTRIAL ENTERPRISES
This article analyzes the current state of solid waste management in industrial enterprises and innovative methods for increasing recycling efficiency. The study covers the issues of introducing zero-waste technologies and circular economy principles.
THEORETICAL FOUNDATIONS OF USING LOGISTICS SERVICES TO ENHANCE THE EXPORT POTENTIAL OF UZBEKISTAN
This article examines the theoretical foundations and practical mechanisms of using logistics services to enhance the export potential of Uzbekistan. The study analyzes the role of logistics services in the national economy, their importance in export processes, as well as the impact of transport, warehousing, customs, and information logistics systems on improving efficiency. The research findings contribute to the development of scientific and practical conclusions and recommendations aimed at promoting export-oriented production, modernizing logistics infrastructure, and ensuring the effective use of international logistics corridors.
THE ROLE OF SMALL BUSINESS AND PRIVATE ENTREPRENEURSHIP IN THE SUSTAINABLE ECONOMIC DEVELOPMENT OF REGIONS
This article discusses the role and importance of small business and private entrepreneurship in ensuring sustainable economic development of regions from a scientific, theoretical and practical perspective. The impact of small business entities on the regional economy, their role in increasing employment, increasing incomes, diversifying production and stimulating innovative activity are analyzed. Institutional, financial and infrastructural factors affecting the development of small business and private entrepreneurship in the regions are also studied. Scientific and practical proposals and recommendations are developed to improve mechanisms for supporting small business and private entrepreneurship in the regions.
DYNAMIC ANALYSIS OF INDUSTRIAL PRODUCTION IN KASHKADARYA REGION IN THE CONTEXT OF REGIONAL ECONOMIC DEVELOPMENT
This study analyzes industrial production growth across districts of the Kashkadarya region of Uzbekistan during 2010–2025. Using district-level data on year-on-year industrial growth, the paper examines spatial differences, growth instability, and regional responses to economic shocks. A fixed effects panel model is applied to account for stable district characteristics and common time effects, including the COVID-19 period. The results show clear spatial differences in industrial growth, with stable performance in urban and industrial centers and more unstable growth in peripheral districts. The COVID-19 shock increased existing regional inequalities, and recovery after the crisis was uneven across districts. Overall, the findings show no full convergence in industrial growth but suggest club convergence among core districts. The study highlights the need for region-specific industrial policies to support stable and balanced regional development.
CONCEPTUAL FOUNDATIONS OF REGIONAL EXPORT POTENTIAL AND ITS DEVELOPMENT FACTORS: THE CASE OF UZBEKISTAN
This paper provides a conceptual analysis of the determinants of regional export potential using Uzbekistan as a representative emerging economy. Based on a review of international literature and policy documents, an analytical framework is developed that integrates economic, institutional, infrastructural, and logistical factors shaping regional export performance. The study shows that interregional disparities in export activity are driven by uneven infrastructure development, differences in institutional support, and variations in access to international markets. The findings highlight the need for differentiated, region-specific export policies.
SCIENTIFIC AND THEORETICAL FOUNDATIONS OF ENSURING FOOD SECURITY IN A COUNTRY
This article analyzes the theoretical aspects of ensuring food safety, the problem of ensuring food safety and scientific theoretical views on ensuring food safety. At the same time, an author's definition of food safety was developed.
SUSTAINABLE DEVELOPMENT OF REGIONS AND EFFECTIVE USE OF NATURAL RESOURCES IN THE CONTEXT OF GLOBAL CLIMATE CHANGE
This article provides an in-depth scientific analysis of the impact of global climate change on sustainable regional development and the efficient use of natural resource potential. It substantiates the need to revise development strategies due to climate-driven transformations of physical-geographical, agro-economic, hydrological and ecological factors. The paper proposes evidence-based measures for environmentally safe and resource-efficient use of natural resources, the transition to a green economy, and the adoption of innovative mechanisms for water and land governance.
THEORETICAL FOUNDATIONS OF SUSTAINABLE AGRICULTURAL DEVELOPMENT
Mazkur maqolada barqaror qishloq xo‘jaligini rivojlantirishning nazariy asoslari ilmiy jihatdan tahlil qilingan. Tadqiqotda barqaror rivojlanish konsepsiyasi, uning qishloq xo‘jaligiga tatbiqi, ekologik, iqtisodiy va ijtimoiy komponentlarning o‘zaro bog‘liqligi yoritilgan. Shuningdek, xorijiy va mahalliy olimlarning ilmiy qarashlari asosida barqaror qishloq xo‘jaligini ta’minlash mexanizmlari umumlashtirilgan. Tadqiqot natijalariga ko‘ra, innovatsion texnologiyalarni joriy etish, resurslardan oqilona foydalanish hamda institutsional islohotlar barqaror qishloq xo‘jaligining muhim omillari ekanligi asoslab berilgan.
MONITORING OF BUSINESS ACTIVITIES OF RETAIL ENTERPRISES
the article analyzes the theoretical and practical aspects of monitoring the business activities of retail enterprises. The study examines indicators for assessing the financial and economic performance of retail companies, mechanisms for forming a monitoring system, and ways to improve management efficiency through digital technologies. In addition, directions for cost optimization, increasing profit and profitability, and ensuring sustainable development of retail enterprises based on monitoring results are substantiated.
ECONOMETRIC ASSESSMENT OF THE VOLUME OF RETAIL TRADE IN THE TRADING SYSTEM
This article assesses the dynamics of changes in the volume of regional retail trade in the process of developing the trade system. The study analyzes the dynamics of retail trade in the Republic of Uzbekistan and Kashkadarya region for 2010-2024 based on statistical and trend methods. In addition, it analyzes the methodological foundations of the development of marketing activities in the retail system in modern conditions. The study considered the issues of forming marketing strategies based on an in-depth study of the domestic market, consumer behavior, market segmentation and the competitive environment.The results of the study provide an opportunity to improve the mechanisms of regional development of the trade system and optimize the regional trade system
SCIENTIFIC AND THEORETICAL VIEWS ON IMPROVING THE EFFICIENCY OF ADVERTISING SERVICES IN AN INNOVATIVE ECONOMY
This article provides a comprehensive analysis of scientific research conducted by domestic scholars, researchers from CIS countries, and foreign authors on the issues of improving the efficiency of advertising services in the context of an innovative economy. The study examines the economic essence of advertising services, their role in enhancing the competitiveness of business entities, and their relationship with innovation-driven development processes. Based on the review of scientific literature, the key factors determining the effectiveness of advertising services are systematized, including the use of digital technologies, Big Data tools and marketing analytics, the development of social media marketing, as well as modern mechanisms influencing consumer behavior. Furthermore, the article substantiates the main directions for improving the efficiency of advertising services under the conditions of an innovative economy and formulates scientific conclusions and practical recommendations aimed at enhancing the effectiveness of advertising activities.
THEORETICAL, METHODOLOGICAL AND PRACTICAL ASPECTS OF IMPROVING THE EFFICIENCY OF HOTEL SERVICES
This article analyzes the theoretical, methodological and practical aspects of hotel activities and their effectiveness. A number of measures are being taken to increase tourism potential and further improve hotel activities, as a result of which domestic and foreign tourism is further developing, creating broad opportunities for an increase in the number of hotels and the development of their activities. As a result of the opportunities created in our region, the flow of tourists and the activities of hotels are analyzed.
MAIN DIRECTIONS OF CREATING NEW JOBS IN THE SERVICE SECTOR
This article provides a scientific analysis of the main directions of creating new jobs in the service sector in Uzbekistan, modern trends in labor market transformation, and economic, institutional, and digital factors contributing to the expansion of employment in the service segment. The study examines structural changes in the service sector, the role of small business and entrepreneurship, the expansion of remote work forms, diversification of services, and the impact of government programs on employment. The results show that the drivers of creating new jobs in the service sector are directly related to digital technologies, urbanization processes, growth in real incomes, and institutional reforms.
SCIENTIFIC AND THEORETICAL FOUNDATIONS OF IMPROVING POPULATION WELFARE THROUGH INFRASTRUCTURE DEVELOPMENT
This article analyzes the scientific and theoretical foundations and practical directions of improving population welfare through infrastructure development. The study evaluates the impact of transport, energy, коммунal, social, and digital infrastructure on living standards, income levels, and employment. Based on statistical analysis and comparative approaches, the socio-economic efficiency of infrastructure development is assessed, and scientific conclusions as well as practical recommendations aimed at improving population welfare are formulated.
WORLD POPULATION COMPOSITION, ITS CHANGES, AND PROSPECTS
This article examines the composition of the world population, its changes, and prospects, including the rate of change in the world population from 1960 to 2025 and projected figures for 2050, the state of the 20 largest countries by population in 2025, and projected figures for 2100. The wealth of the 15 richest countries at the beginning of 2026 is also analyzed. The ethnic composition of the population is also calculated and analyzed, in particular, the ethnic composition of the permanent population residing in Uzbekistan and its share of the total population.
THE ROLE OF HUMAN CAPITAL IN IMPROVING ENTERPRISE EFFICIENCY: MODERN APPROACHES
This article examines the role of human capital in enhancing enterprise efficiency. Human capital, consisting of employees’ knowledge, skills, and experience, is a crucial factor in increasing competitiveness and ensuring economic effectiveness. The study explores modern approaches to human capital development, including employee training and development, improving motivation systems, and implementing innovative technologies to enhance enterprise performance.
DUPONT ANALYSIS - A COMPREHENSIVE MEASURE OF RETURN ON EQUITY FOR BANKS
Being a strategic approach, the DuPont model serves as an all-encompassing technique to assessing financial performance and management efficiency. This study evaluates the financial performance of JSICB Ipak Yuli for the years 2016 to 2023 using the DuPont analysis that splits ROE into net profit margin, total asset turnover, and equity multiplier. This approach, unlike others, enables a better granular understanding of drivers behind ROE. The results show that a decline by half in profit margin was the most important reason behind the drop in ROE in 2020, meanwhile the increase in efficiency of assets contributed to a rise in total asset turnover. Moreover, the decrease in equity multiplier indicates that there was less reliance on debt financing in the later years. Though there was a decrease in ROE in 2020, the bank was able to recover in a short time due to internally generated profitability and effective cost control. However, it is not without faults such as the reliance on outdated financial information, failing to consider non-financial factors like regulatory changes or environmental elements. Nonetheless, the study shows that DuPont analysis is efficient at revealing performance outcomes and defining performance drivers related to ROE trends in banking.
THE IMPORTANCE OF DEVELOPING DIGITAL SERVICES IN RURAL AREAS OF THE REGION
This article argues that the development of digital services in rural areas of the region is one of the important factors in ensuring sustainable socio-economic development of rural areas of the region. The introduction of banking and finance, trade, education, medicine, public services and agro-service systems based on digital technologies in rural areas of the region will reduce economic disparities between regions, expand the access of the rural population of the region to modern services, and provide scientific proposals to reduce transaction costs
IMPROVING THE EFFECTIVENESS OF APPLYING INNOVATIVE TECHNOLOGIES IN THE DEVELOPMENT OF AGRICULTURE
This article examines the issues of increasing the efficiency of using innovative technologies in the development of agriculture. The study analyzes the impact of modern agrotechnologies, digital solutions, and innovative approaches on productivity and economic efficiency. Based on the research results, conclusions and recommendations are proposed to ensure the sustainable development of agricultural production.
THE ROLE OF MARKETING IN THE CAR TIRE MARKET: STRATEGIES AND EFFECTIVENESS OF ADVERTISING CAMPAIGNS
The text of this work reveals the essence of the study of the impact of marketing activities on the market promotion of car tires in terms of analyzing key product promotion strategies and evaluating their effectiveness. The main focus of the work is on modern digital tools and the most effective advertising campaigns, which allow us to understand the mechanisms of the impact of marketing activities on demand and sales levels. The article provides a detailed description of the promising concepts of the leading global players in the car tire market through the lens of their inclusion in marketing programs. The article also explores the concept of the digital marketing funnel and presents the parameters of its interpretation in the implementation of car tires. The efficiency parameters of tire promotion channels have been analyzed based on various methods, as well as the cost level and expected level of efficiency.