Information from the Chairman of the Management Board of JSCB "Microcreditbank" on the implementation of acts of the President of the Republic of Uzbekistan and the Government

Iron discipline and effective control - the key to success

As is known, every decree and resolution of the head of our state, as well as the instructions given to state and executive bodies in the minutes of meetings, are mainly aimed at ensuring employment and forming a stable source of income, and completely eradicating poverty in the regions.

Achieving the set goals is possible only with strong and iron discipline, effective executive control in each ministry and agency. An improved mechanism of effective public control over implementation is the key to any success and achievements.

To this end, on July 25 of this year, Presidential Decrees No. UP-117 were adopted, aimed at introducing effective control mechanisms over the execution of laws, acts of the President of the Republic of Uzbekistan and the Government, and ensuring accurate accountability for the results of their implementation.

In order to establish public control over the implementation of instructions, starting from October 1, 2025, the procedure for monthly posting information on enforcement discipline on websites, as well as quarterly reporting to the general public, has been established.

It should be noted that Mikrokreditbank is also carrying out a number of works to strengthen executive discipline and further improve the mechanisms of executive control.

First of all, the system of record keeping, document circulation, adoption of legislative acts and instructions, referral to the responsible executor, establishment of online monitoring and control over execution, and notification of the upcoming deadline for execution at least three days in advance has been fully digitized.

In the bank, performance indicators of executive discipline were directly linked to the "KPI" system, and on this basis, a systematic assessment of performance effectiveness was established.

Also, all issues related to the organization of the execution of instructions are critically discussed weekly on Fridays with the Deputy Chairmen of the Management Board, on Mondays with the Chairman of the Management Board, and monthly with the Bank's Management Board.

In order to strengthen executive discipline, "economic readings" are regularly organized in the banking system. The main goal is to explain the essence of the documents and ensure the timely and high-quality implementation of priority tasks.

According to the analysis, in January-September of this year, through the unified interdepartmental electronic system "ijro.gov.uz," Mikrokreditbank was entrusted with the execution of 353 instructions of the Head of State. As a result of the measures taken at the bank, the implementation of all these instructions was ensured.

Based on the instructions defined in the decrees and resolutions of the Head of State, 7.8 trillion soums of bank loans were allocated to financially support the projects of the population and business entities. Including:

625.6 billion soums within the framework of supporting small business entities;

1.4 trillion soums within the framework of the family entrepreneurship program;

275.2 billion soums within the framework of "first step to business";

2.8 trillion soums within the framework of the investment program;

1.1 trillion soums within the framework of the "my mahalla" program;

688.1 billion soums for large projects (turnover over 100 billion soums);

886.8 billion soums for commercial purposes.

165,477 projects financed by Microcreditbank loans were launched, creating 285,447 jobs.

For example, New Fly Techno LLC, located in the city of Gulistan, Syrdarya region, allocated a loan of 5.7 million dollars for the implementation of the project for the production of polypropylene food bags with a total value of 10.4 million dollars.

As a result of the launch of this project, 158 jobs will be created, 80 million units of 6 types of bags will be produced annually, and 8.1 thousand tons of food products will be packaged annually.

Within the framework of another project - the construction of the "Sharq" tourist complex around the "Govuk" lake in the city of Khiva, work is underway to organize hotel activities and build shopping and entertainment complexes.

Currently, a 2-story hotel with 95 rooms and 250 beds has been established, and a bakery, 4 guest houses, and restaurants of national and European cuisine serve the population.

Toshkent viloyati Parkent tumanida esa 3 ta 5 qavatli, jami 120 ta xonadonga moʻljallangan turar joy majmuasi barpo etilib, bugun 96 ta xonadon oʻz egalariga topshirilgan.

Qoʻqon shahrining “Yangi Oʻzbekiston” massivida 10 ta 10 qavatli uy-joy kompleksi barpo etilmoqda. Ushbu kompleksda 712 ta xonadonlar, savdo maydonchalari hamda bolalar bogʻchasi joylashtirilgan.

Bugungi kunda 10 ta koʻp qavatli uylarni qurish ishlari jadal olib borilmoqda.

Shuningdek, mamlakatimizda turizmni yanada rivojlantirish, sayyohlarga qulaylik yaratish maqsadida, Andijon, Buxoro, Jizzax, Qashqadaryo, Sirdaryo, Xorazm, Fargʻona, Surxondaryo, Samarqand va Toshkent shaharlarida 15 ta koʻcha obodonlashtirilib, 24/7 rejimda tunu-kun ishlaydigan savdo, koʻngilochar shoxobchalari ishga tushirildi, natijada 80 ta yangi ish oʻrinlari yaratildi.

Shular bilan birga, Mikrokreditbankka biriktirilgan mahallalarda mahalla bankiri va yordamchi agentlari tomonidan bugunga qadar 1,5 trln. soʻm kreditlar ajratildi va 285 447 nafar aholi bandligi taʼminlandi. Shundan, 101 683 nafari doimiy ishga joylashtirildi va 183 764 nafari tadbirkorlikka jalb qilindi.

Shuningdek, davlatimiz rahbari topshiriqlari doirasida 30 ta tumanda baliqchilik, quyonchilik, chorvachilik, parrandachilik yoʻnalishida kooperatsiyalar tashkil etildi.

Bank tomonidan 30 ta tumanda joylashgan 6 461 ta xonadon parrandachilik va asalarichilik yoʻnalishida 28 nafar lider tadbirkorga biriktirildi. 

Kooperatsiyani yoʻlga qoʻyish uchun lider tadbirkorlarga 160 mlrd. soʻm imtiyozli kreditlar ajratilib, 5 165 ta xonadon kooperatsiya asosida birlashtirildi.

Mamlakatimizda aholi bandligini taʼminlash va turmush farovonligini oshirish, kambagʻallikni qisqartirish, shuningdek, tadbirkorlikni rivojlantirish borasida qabul qilinayotgan qonunchilik hujjatlari hamda berilayotgan topshiriqlarning sifatli ijrosini taʼminlashning barcha choralari koʻrib boriladi.

Bank Boshqaruvi tomonidan Oʻzbekiston Respublikasi Prezidenti va Hukumat hujjatlari ijrosi qatʼiy nazoratga olingan.