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. DOI: 10.5281/zenodo.23312794. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/1311. Acesso em: 15 oct. 2026.