KHOLIYOROVA, Shokhista; BARNOQULOVA, Marjona. THE LENDING SYSTEM IN COMMERCIAL BANKS AND THE CAUSES OF NON-PERFORMING LOANS. Innovation Science and Technology, Tashkent, Uzbekistan, v. 1, n. 12, 2025. DOI: 10.5281/zenodo.18442040. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/550. Acesso em: 14 oct. 2026.