Vol. 8 No. 1 (2022): FINANCE AND BANKING
Issue Articles

Factors affecting the bank interest rates on national currency loans in Uzbekistan

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  • Ismatov Nodirjon Raximdjanovich
Ismatov Nodirjon Raximdjanovich
“Ipoteka-Bank” JSCMB
Bio

Published 2022-08-01

Keywords

  • inflation, interest rate, credit, money market rates, deposit, refinancing rate.

How to Cite

Ismatov, N. (2022). Factors affecting the bank interest rates on national currency loans in Uzbekistan. FINANCE AND BANKING, 8(1), 77–83. Retrieved from https://journal.bfa.uz/index.php/bfaj/article/view/79

Abstract

This scientific article provides an analysis of the factors affecting the bank interest rates on national currency loans in the the Republic of Uzbekistan. In particular, the influence of the rate of monthly inflation, the main interest rate of the Central Bank, the money market rates, and the interest rate of the household deposits in national currency on the bank interest rates on short-term national currency loans is shown. According to the obtained results, it was found that the relationship between the interest rate of the household deposits in national currency and the bank interest rates on short-term national currency loans is very weak. Such kind of relationship found between inflation rate and the bank interest rates on short-term national currency loans. According to the results of the analysis, the relationship between the money market rate and the interest rate of the Central Bank and bank interest rates on short-term national currency loans is very strong.

 

PDF (Oʻzbekcha)

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