XAKIMOV, Zoxid Norbo‘tayevich. THE USE OF MODERN BANKING INSTRUMENTS IN SMALL BUSINESS LENDING: DEVELOPMENT TRENDS IN GUARANTEE FUNDS, FACTORING, LEASING, AND MICROCREDIT. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 9, p. 551–556, 2026. DOI: 10.5281/zenodo.23155458. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/1255. Acesso em: 14 oct. 2026.