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In recent years, there has been an increase in the number of cases of citizens' disagreements with banks, MIB and law enforcement agencies due to credit debt. Videos showing people arguing with an IIB or MIB officer over their house gate, TV, refrigerator or property do not surprise many today. Today's episode of the Nuqtalar program is devoted to the sharp increase in credit circulation among Uzbeks in recent years, its importance for the economy and people, and the analysis of aspects of this system that economists believe need to be changed. The guests of the program were Doctor of Economic Sciences, Professor Tolqin Bobokulov and Candidate of Economic Sciences, Associate Professor Fozil Dodiev. Telegram ???? https://t.me/vatandosh_tv (@vatandosh_tv) TikTok ???? / vatandosh.tv Instagram ???? / vatandosh_tv (@vatandosh_tv) YouTube ???? / @vatandosh_tv Facebook ???? https://fb.com/vatandoshtv