Raimkulovich, Kaytarov Vokhid. “In The Shadow of Financial Illiteracy: The Decline of Small Businesses and The Growing Debt Burden”. Central Asian Journal of Innovations on Tourism Management and Finance 7, no. 1 (December 22, 2025): 345–358. Accessed May 11, 2026. https://cajitmf.casjournal.org/index.php/CAJITMF/article/view/1108.