Temirov Abdumalik Temirovich (2026) “Addressing Employee Inefficiency to Reduce Problematic Debts in Uzbek Banks: Operational and Process Improvement Approaches”, NEW APPROACHES IN EDUCATION: PEDAGOGY, INNOVATION, AND DEVELOPMENT, 2(03), pp. 84–86. Available at: https://worldconferences.us/index.php/nae/article/view/1160 (Accessed: 22 June 2026).