Commercial Credit Relations with Small Business Entities

This study investigates the role of small business entities in the regional economy and examines the differences between commercial and preferential lending, particularly focusing on the advantages of commercial lending and new types of lending procedures. The research aimed to analyze the contribution of small business entities to economic growth and to explore how banking services can better serve these businesses. A cross-sectional analytical approach was used, incorporating data from commercial banks, small business entities, and official statistical sources in Namangan. The study found that small businesses contribute significantly to the region’s economic development, and various lending schemes positively impact their growth. Recommendations were developed to address existing deficiencies in banking services and to improve access to financial resources for small businesses. The results emphasize the need for more inclusive lending practices and the expansion of banking services.