KICHIK BIZNESDA RISKNI BAHOLASH YUZASIDAN XALQARO TAJRIBALAR

KICHIK BIZNESDA RISKNI BAHOLASH YUZASIDAN XALQARO TAJRIBALAR

Authors

  • Azizxon Umarov Qo‘qon universiteti mustaqil izlanuvchisi

DOI:

https://doi.org/10.54613/ku.v15i.1194

Keywords:

kichik biznes, riskni baholash, xalqaro tajriba, sun’iy intellekt, risk menejmenti.

Abstract

Ushbu maqolada kichik biznes subyektlarida riskni baholash bo‘yicha xalqaro tajribalar tahlil qilinadi. Tadqiqot doirasida ISO 31000, FMEA, GMM va AI texnologiyalaridan foydalanilgan holatlar ko‘rib chiqilib, ular yordamida xavflarni aniqlash, baholash va boshqarish mexanizmlari yoritilgan. Statistika va real so‘rov natijalariga asoslangan holda, kichik biznes uchun risk baholash modelining afzalliklari ko‘rsatildi. Xalqaro amaliyotlar asosida O‘zbekistonga moslashtirilgan yondashuvlar ishlab chiqish zarurligi asoslab berilgan. Natijalar mahalliy siyosat va amaliyotga muhim tavsiyalar beradi.

Foydalanilgan adabiyotlar:

Bai, Y., & Harith, M. (2023). Financial Risk Analysis in SMEs using Gaussian Mixture Models. Journal of Small Business and Enterprise Development, 30(4), 512–526. https://doi.org/10.1108/JSBED-09-2022-0321

Curtin, G., Murphy, L., & O’Donnell, T. (2024). Cybersecurity Risk Management in Irish SMEs: A Framework-Based Approach. Journal of Cybersecurity Policy, 12(2), 134–148.

Dieperink, M., Vlek, D., & Tuin, J. (2025). Entrepreneurship, Risk, and Innovation: A Comparative Study of SME Resilience. European Journal of Business Research, 38(1), 89–104.

El‑Hajj, M., & Mirza, A. (2024). Cyber Risk Assessment Tools for SMEs: An MDPI Perspective. Sustainability, 16(3), 2024. https://doi.org/10.3390/su16032024

ISO. (2018). ISO 31000: Risk Management – Guidelines. International Organization for Standardization.

Martins, A. S., Silva, M. E., & Costa, F. J. (2021). Integration of ISO 9001:2015 and Risk Management Practices in Brazilian SMEs. Quality Management Journal, 28(3), 171–187. https://doi.org/10.1080/10686967.2021.1899302

Šebestová, J., & Sroka, W. (2023). SMEs in the Face of Risk: Comparative Perspectives from V4 Countries. Journal of Risk and Financial Management, 16(5), 227. https://doi.org/10.3390/jrfm16050227

Verizon Business. (2024). SMB Technology Adoption and Risk Outlook 2024. https://www.verizon.com/business/resources/reports/smb-tech-risk-2024.pdf

Allianz Global Corporate & Specialty. (2024). Allianz Risk Barometer 2024. https://commercial.allianz.com/content/dam/onemarketing/commercial/commercial/reports/Allianz-Risk-Barometer-2024.pdf

CPA Australia. (2024). Asia-Pacific SME Survey Report 2024 – India Findings. https://www.cpaaustralia.com.au

Published

2025-06-30

Iqtiboslik olish

Umarov, A. (2025). KICHIK BIZNESDA RISKNI BAHOLASH YUZASIDAN XALQARO TAJRIBALAR. QO‘QON UNIVERSITETI XABARNOMASI, 15, 55–57. https://doi.org/10.54613/ku.v15i.1194

Issue

Section

Iqtisodiyot / Economy
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