Oriental Journal of Economics, Finance and Management

IMPROVING COST ESTIMATES AND STAFFING IN STATE BUDGET ORGANIZATIONS

Avzaljon Umarov — 2025-07-30

This paper explores strategies for enhancing cost estimates and staffing practices in state budget organizations to promote fiscal responsibility and operational efficiency. Accurate cost estimation, supported by advanced data analytics and standardized methodologies, enables more reliable budgeting and resource allocation. Effective staffing management through workforce planning, regular audits, and technology integration ensures optimal staff levels aligned with organizational needs. Combining these approaches fosters sustainable budgets, reduces inefficiencies, and improves service delivery. Continuous refinement of estimation techniques and staffing strategies is essential in adapting to changing economic conditions, ultimately strengthening public trust and accountability in state government operations.

ISSUES OF IMPROVING COMPETITION AMONG COMMERCIAL BANKS IN PROJECT FINANCING

Shakhnoza Tursunova — 2025-09-06

commercial banks, assets, credit portfolios, credit policy, competitiveness, financial stability, risk management, overdue payments, project financing, financial products, credit rating, banking system, competition between banks, innovative financing, banking services, financial analysis, liquidity, confirmed debts, credit risk, financial stability of banks.

PROSPECTS FOR THE INTRODUCTION OF GREEN FINANCE MECHANISMS IN THE BANKING SYSTEM OF UZBEKISTAN

Kattakul Kinjaev — 2025-10-08

The article provides a comprehensive analysis of the formation and implementation of green finance mechanisms within Uzbekistan’s banking system. It examines the legal and institutional foundations of this sector, the current state of market infrastructure, risk management approaches, and the distinctive features of investment instruments. The study explores practical measures aimed at decarbonizing banks’ credit portfolios, the use of financial instruments such as green bonds and sustainability-linked loans, as well as the need to develop a national green taxonomy and ensure transparency of environmental and climate-related data.

The article proposes a phased “roadmap” for short-, medium-, and long-term actions, identifying key performance indicators (KPIs) and de-risking measures to mitigate financial and economic risks. The conclusions are closely linked to Uzbekistan’s economic reforms from 2017 to 2025, digital transformation processes, and sustainable development goals. The study substantiates pathways for strengthening environmental responsibility within the banking sector, advancing the transition to a green economy, and accelerating alignment with international financial standards.