ПРАВОВЫЕ И ИНСТИТУЦИОНАЛЬНЫЕ ОСНОВЫ ВНЕДРЕНИЯ ИСЛАМСКОГО ФИНАНСИРОВАНИЯ В УЗБЕКИСТАНЕ: ВОЗМОЖНОСТИ, ПРОБЛЕМЫ И ПЕРСПЕКТИВЫ

Аннотация

This article explores the necessity of introducing an Islamic finance system in Uzbekistan, as well as analyzing the current legal frameworks and institutional environment. Islamic finance operates in accordance with Sharia principles, which prohibit interest (riba), gambling (maisir), and excessive uncertainty (gharar). Although Islamic finance is a relatively new concept in Uzbekistan, the demand for fair, ethical, and Sharia-compliant financial services is steadily increasing, particularly among the predominantly Muslim population. The article examines the core principles of Islamic finance and highlights financial instruments such as sukuk, mudarabah, and musharakah. It also discusses the legal mechanisms required to implement them effectively. The existing gaps in national legislation, the insufficient development of regulatory bodies, and international best practices are assessed in the context of Uzbekistan. Finally, the article proposes conceptual recommendations to support the establishment and sustainable growth of an Islamic financial system in the country. Keywords: Islamic finance, sharia-compliant financial services, legal framework, institutional development, sukuk, Islamic banking, mudarabah, musharakah, regulatory bodies, Uzbekistan financial market.