{"id":34919,"date":"2025-07-28T10:14:02","date_gmt":"2025-07-28T05:14:02","guid":{"rendered":"https:\/\/kommers.uz\/?p=34919"},"modified":"2025-07-28T09:40:15","modified_gmt":"2025-07-28T04:40:15","slug":"%d2%b3ar-uchinchi-%d1%9ezbekistonlik-kamdan-kam-%d2%b3ollarda-na%d2%9bd-pul-bilan-t%d1%9elajdi-mb","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34919","title":{"rendered":"Har uchinchi o\u02bbzbekistonlik kamdan-kam hollarda naqd pul bilan to\u02bblaydi \u2014 MB"},"content":{"rendered":"

O\u02bbzbekistonliklarning uchdan bir qismi to\u02bblovlar uchun birinchi navbatda bank kartalaridan foydalanadi. Bu haqda Markaziy bankning naqd pullardan foydalanish bo\u02bbyicha o\u02bbtkazilgan so\u02bbrovnoma yakunlari to\u02bbg\u02bbrisidagi hisobotida ma\u02bclum qilindi<\/a>.<\/p>\n

Tadqiqot mamlakatning barcha hududlaridagi 14,2 ming respondentni qamrab oldi. Uning natijalariga ko\u02bbra, ishtirokchilarning 52%i vaziyatga qarab naqd va naqd pulsiz to\u02bblovlardan foydalanadi. Yana 15%i asosan naqd pulda hisoblanadi.<\/p>\n

Asosan kartalardan foydalanadigan fuqarolarning eng yuqori ulushi Toshkent shahrida (40%), Qoraqalpog\u02bbistonda (38%) va Toshkent viloyatida (37%) aniqlangan. Naqd puldan Andijon (24%), Namangan va Jizzax (20%) viloyatlarida eng ko\u02bbp foydalaniladi.<\/p><\/blockquote>\n

Respondentlarning deyarli yarmi (47%) naqd pul bilan to\u02bblanadigan bir martalik xaridning eng yuqori miqdorini 100 ming so\u02bbmdan 500 ming so\u02bbmgacha bo\u02bblgan<\/strong> oraliqda ko\u02bbrsatdi. 35%i 100 ming so\u02bbmgacha bo\u02bblgan to\u02bblovlar uchun naqd puldan foydalanadi.<\/p>\n

Yana 12%i 1 mln so\u02bbmgacha bo\u02bblgan xaridlar uchun naqd pul to\u02bblasa, 6%i esa bu miqdordan yuqori summalar uchun naqd pul ishlatadi.<\/p>\n

Yirik xaridlar uchun naqd pul bilan hisob-kitob qilgan fuqarolarning eng katta ulushi Surxondaryoda aniqlandi. Fuqarolarning 9%i ulardan 1 mln so\u02bbmdan ortiq va yana 15%i 500 ming so\u02bbmdan ortiq xaridlar uchun<\/strong> foydalanadi. Ikkinchi o\u02bbrinni Toshkent egalladi (mos ravishda 7% va 13%).<\/p>\n

So\u02bbrov ishtirokchilarining aksariyati (56%) asosan bozorlarda xaridlarni amalga oshirgani uchun naqd puldan foydalanishini ta\u02bckidlagan. 17%i ularni tez va xavfsiz usul deb atadi, 13%i esa naqd pul bilan to\u02bblashda tovar va xizmatlar arzonroq bo\u02bblishini ta\u02bckidladi.<\/p>\n

7% dan ishchi terminallar yo\u02bbqligi va sotuvchilar naqd pul talab qilishini ta\u02bckidlashdi. Andijon, Qashqadaryo, Samarqand, Sirdaryo, Toshkent viloyatlarida to\u02bbg\u02bbridan-to\u02bbg\u02bbri talab, Toshkentda esa kartalarni qabul qilish bilan bog\u02bbliq muammolar ko\u02bbproq qayd etilgan.<\/p><\/blockquote>\n

Respondentlar ko\u02bbpincha hisob-kitoblar uchun 5000 so\u02bbmdan 100 ming so\u02bbmgacha bo\u02bblgan banknotlardan foydalanadilar. Bunda 10 ming so\u02bbmlik (21%) va 50 ming so\u02bbmlik (19%) kupyuralar eng ko\u02bbp tilga olingan.<\/p>\n

So\u02bbrovnomada qatnashganlarning to\u02bbrtdan bir qismi muomalada 50 ming so\u02bbmlik banknotlar sonining ko\u02bbpayishini, deyarli shunchasini (22%) esa 100 ming so\u02bbmlik kupyuralar miqdorining oshishini istaydi.<\/p>\n

28% respondent 5000 so\u02bbmgacha bo\u02bblgan tanga va banknotlarga ehtiyoj yuqori ekanligini bildirgan, yana 41%i esa bu ehtiyojni past deb baholagan. Qoraqalpog\u02bbiston, Jizzax va Namanganda mayda pul belgilarini<\/strong> muomalaga ko\u02bbproq kiritishni istovchilar ulushi eng yuqori ekanligi qayd etilgan.<\/p>\n

Ishtirokchilarnig 65% qaytim olishda muammo yo\u02bbqligini aytgan. 17%i sotuvchilar ba\u02bczan qaytim o\u02bbrniga mayda tovarlar (masalan, gugurt) berishini, 14%i esa bu holat tez-tez yuz berishini ma\u02bclum qilgan. Yana 4% respondent mayda pul yo\u02bbqligi sababli qaytim berilmayotganini ta\u02bckidlagan.<\/p>\n

Mutlaq ko\u02bbpchilik (87%) ish haqini kartaga oladi, yana 7%i aralash shaklda qabul qiladi. So\u02bbrovda ishtirok etganlarning atigi 6%iga ish haqi naqd pul ko\u02bbrinishida beriladi, biroq Jizzax viloyatida bu ko\u02bbrsatkich 13%ga yetadi.<\/p><\/blockquote>\n

42%i oyiga bir-ikki marta, yana 35%i uch-to\u02bbrt marta bankomatlardan naqd pul<\/strong> yechib oladi. Shu bilan birga, 18%i har oyda besh martadan ko\u02bbproq kartadan pul yechib olishini ma\u02bclum qildi.<\/p>\n

Respondentlarning 9%i bankomatlardagi naqd pul zaxiralari tez sarflanayotganidan shikoyat qilgan bo\u02bblsa, yana 6%i ularning ishida tez-tez uzilishlar bo\u02bblayotganini ma\u02bclum qilgan. Yana 5%i o\u02bbzlariga kerakli nominaldagi banknotalar yetishmayotganini ma\u02bclum qildi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tadqiqot mamlakatning barcha hududlaridagi 14,2 ming respondentni qamrab oldi. Uning natijalariga ko\u02bbra, ishtirokchilarning 52 foizi vaziyatga qarab naqd va naqd pulsiz to\u02bblovlardan foydalanadi.<\/p>\n","protected":false},"author":23,"featured_media":34920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/07\/6887077883ed4.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":34920,"7B0ecgVieEAP":"\u04b2\u0430\u0440 \u0443\u0447\u0438\u043d\u0447\u0438 \u045e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u043b\u0438\u043a \u043a\u0430\u043c\u0434\u0430\u043d-\u043a\u0430\u043c \u04b3\u043e\u043b\u043b\u0430\u0440\u0434\u0430 \u043d\u0430\u049b\u0434 \u043f\u0443\u043b \u0431\u0438\u043b\u0430\u043d \u0442\u045e\u043b\u0430\u0439\u0434\u0438 \u2014 \u041c\u0411"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34919"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=34919"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34919\/revisions"}],"predecessor-version":[{"id":34921,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34919\/revisions\/34921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/34920"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34919"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}