BANKLAR BITIRUVCHI TALABALARNING TADBIRKORLIK FAOLIYATINI BOSHLASHDA ISHONCHLI SHERIK SIFATIDA

Annotatsiya. Maqolada O‘zbekistonda yoshlarga mikromoliyaviy ko‘mak ko‘rsatish, ularni tadbirkorlik faoliyatiga jalb etish, tijorat banklari ishtirokida amalga oshirilayotgan moliyaviy dasturlar, xususan “Kelajakka qadam” loyihasining ahamiyati tahlil qilingan. Maqolada yoshlarning iqtisodiy faolligini oshirishga xizmat qilayotgan kreditlash mexanizmlari, trening va maslahat xizmati, shuningdek, banklar bilan ta’lim muassasalari o‘rtasidagi hamkorlikning ijobiy jihatlari yoritilgan. Tahlillar asosida mikromoliyalash orqali yoshlar bandligini ta’minlash va ularning biznes tashabbuslarini qo‘llab-quvvatlashda zamonaviy yondashuvlar muhim omil sifatida ko‘rsatib o‘tilgan.. Kalit so‘zlar: Tadbirkorlik, mikromoliyalash, tijorat banklari, kreditlash, bandlik, startap, moliyaviy savodxonlik, biznes inkubator, O‘zbekiston yoshlari Abstract. The article analyzes the measures being implemented in Uzbekistan to provide microfinancial support to young people and involve them in entrepreneurial activities. In particular, it highlights the significance of financial programs carried out with the participation of commercial banks, especially the “Step into the Future” initiative. The article also explores mechanisms of lending that enhance youth economic activity, practical training and consulting services, as well as the positive aspects of cooperation between banks and educational institutions. Based on the analysis, modern approaches to microfinancing are identified as key factors in ensuring youth employment and supporting their business initiatives. Keywords: Entrepreneurship, Microfinancing, Commercial Banks, Lending, Employment, Startups, Financial Literacy, Business Incubator, Youth of Uzbekistan.