“KREDIT TA’LIM TIZIMI SHAROITIDA TALABALARDA KASBIY SIFATLARNI SHAKLLANTIRISH”, UXIJ, vol. 1, no. 3, pp. 187–192, Jul. 2024, Accessed: Jun. 06, 2026. [Online]. Available: https://universaljurnal.uz/index.php/jurnal/article/view/743