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The Impact Of Demographic Changes On Bank Lending Strategies

Author

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  • Usmonov Faridun F.
  • Ishonkulova Feruza Asatovna

Abstract

This article examines how changes in population composition affect banking operations and lending strategiesin Uzbekistan. Various borrower groups are considered — youth, middle-aged individuals, pensioners, rural residents,and labor migrants. For each group, the study analyzes their habits, risks, and the products they actually need. Specialattention is given to countries with young populations, where access to digital loans is growing faster than financial literacy.The article concludes with practical recommendations grounded in concrete examples rather than abstract theory

Suggested Citation

  • Usmonov Faridun F. & Ishonkulova Feruza Asatovna, 2026. "The Impact Of Demographic Changes On Bank Lending Strategies," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4, January.
    • Handle: RePEc:teu:ged000:v:4:y:2026:id:9501
    DOI: 10.5281/zenodo.18933290
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