DJUMANIYAZOV, Ikram Karimbaevich. METHODOLOGY FOR INCREASING THE EFFICIENCY OF CREDIT OPERATIONS IN COMMERCIAL BANKS. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 10, p. 19–26, 2026. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/1307. Acesso em: 14 oct. 2026.