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#finance @quietworld🍃

💰 Bank Lending in Uzbekistan Jumps 36% in 2025 📈 Commercial banks in Uzbekistan issued 390 trln soums ($32 bn) in loans last year, a 36% rise compared with 2024, driven by stronger business activity and expanded financial support. 💵 Loans in the national currency led growth, reaching 276.4 trln soums ($22.7 bn). Individuals received 156.8 trln ($12.9 bn), legal entities 108.8 trln ($8.9 bn), and individual entrepreneurs 10.8 trln ($885 mln). 🌍 Foreign currency lending also rose to 113.6 trln soums ($9.3 bn), mostly going to legal entities, with individual entrepreneurs receiving 441.5 bn ($36 mln). #Finance

🚀 Uzbekistan Surges 43 Places in World Bank’s 2026 Women, Business and the Law Index 🌍 Uzbekistan jumped 43 spots to 48th out of 190 countries in the World Bank’s 2026 «Women, Business and the Law» report, scoring 82.1/100 for its legal frameworks supporting women’s economic participation. The country achieved a perfect 100 in Mobility, Family, Pay, Childcare, and Assets. 💼 The rise was driven by major reforms in labor and pension regulations, including gender-responsive public procurement, incentives for female entrepreneurs, equal pay mandates, and the removal of outdated work restrictions for women. The Labor score nearly doubled from 50 to 91.75, while the Pension indicator increased to 66.75. ⚖️ Despite strong legal progress, the report notes a gap between written law and enforcement. Uzbekistan scored 59.08 for supportive frameworks and 57.20 for enforcement perceptions, reflecting ongoing challenges in turning legislation into tangible outcomes. 📈 Economically, reforms have boosted women’s participation and entrepreneurship. About 2.1 million women now run businesses — a sevenfold increase since 2020 — accounting for roughly 35% of all employed women in the national economy. 🔧 The World Bank recommends strengthening social incentives, workplace safety regulations, and monitoring systems to fully realise the impact of these legal reforms. #Finance

💰 Microfinance and Pawnshop Loans in Uzbekistan Hit $2.62 bn in 2025 📊 Microfinance organisations and pawnshops in Uzbekistan issued 31.8 trillion soums ($2.62 bn) in loans in 2025, doubling the 2024 figure, according to the Central Bank. 🏦 MFOs accounted for 28.9 trillion soums, while pawnshops provided 2.9 trillion. Individuals made up 91% of borrowers, with most personal loans under 10 million soums. Companies represented 9%, with a significant share borrowing between 200 and 300 million soums. 📈 The sector continued expanding, with 32 new MFOs and 234 branches launching in 2025. By January, 223 institutions were operating nationwide. 📍 Tashkent recorded the highest concentration, with 77 MFOs and 46 pawnshops, followed by Fergana region with 20 MFOs and five pawnshops. #Finance

🤭 Стыдное признание Я много лет работал в финансах и мой мозг отказывался запоминать отличие между Credit and Debit. Пока на глаза не попалась мнемоническая фраза: Credit - Create, Debit - Decrease Сегодня коллега пожаловался, что тоже постоянно путает. Поделился с ним, делюсь и с вами этим "секретом" 😁 Уже не помню кто автор, хотелось бы передать ему благодарность. #finance

Just a sharing ~ Your salary doesn't determine your richness.. It doesn't depends on how much you earn, but how much you save and how you spend.. & some people may say, “what's the point of earning large salary if you can't spend them all you want?” Then, my dear, what if one day you lose your job? Either because of pandemic, health issues, physical injuries, etc.? 😌 That's why, it's not impossible for a person who earn less can survive longer in an economy crisis than a person who earn more. #finance#reminder@quietworld🍃

📉AI-рынок просел на $800 млрд за неделю Технологические компании, связанные с ИИ, потеряли около $800 млрд капитализации всего за несколько дней. Nasdaq упал на 3% и это первый серьёзный сигнал, что рынок начинает сомневаться в темпах ИИ-роста. Что происходит: — Расходы на ИИ сильно выросли: крупные компании вложили рекордные $112 млрд за июль–сентябрь, причём большую часть - в долг. Если доходы не будут расти так же быстро, этот долг станет давить на бизнес. — Частные инвесторы почти не покупали на падении, поэтому рынок просел глубже обычного и не было тех, кто обычно подхватывает акции в такие моменты. — Макроэкономика ухудшилась: настроение потребителей упало до минимума за 3 года, почти полтора месяца не выходили важные госданные, и появились новости о новых увольнениях. Всё это усилило нервозность на рынке. Почему падение получилось таким резким: - Хедж-фонды сидели в одних и тех же AI-акциях, и при первой просадке начали продавать одновременно. - Алгоритмические фонды усилили распродажу, автоматически сокращая позиции на росте волатильности. Главный удар: - Nvidia потеряла $350 млрд капитализации всего через неделю после достижения отметки $5 трлн - достаточно лёгкого смещения ожиданий, чтобы такой гигант обвалился. Дополнительные точки напряжения: - Политика: обсуждаются ограничения на продажи чипов Blackwell в Китай и это тоже бьёт по прогнозам будущего спроса. - Конкуренция: слухи, что Moonshot Kimi K2 обучили менее чем за $5 млн, снова подняли страхи «дешёвого AGI». Подобное уже было с DeepSeek, когда Nvidia потеряла $589 млрд за один день. - Финансирование: дискуссии о господдержке стартапа на $500 млрд и планах ИИ-инфраструктуры на $1.4 трлн заставляют инвесторов задаваться вопросом: *кто оплачивает этот праздник и как быстро он окупится?* ИИ остаётся драйвером роста, но рынок впервые чувствительно отреагировал на очевидные риски. Когда рынок перегрет, даже небольшие сомнения превращаются в сотни миллиардов убыток. ft.com/content/8c6e3c18-c5a0-4f60-bac4-fcdab6328bf8 @ai_machinelearning_big_data #ai#ml#finance

#python#finance#books 📚 Numpy para las finanzas cuantitativas (2024) ----- Canal principal: @repo_science Cupones: @freecoupons_reposcience -----

💻Hackers have struck Indonesian crypto exchange INDODAX, stealing assets worth $18,2 million 📰 The country's largest crypto exchange, PT Indodax Nasional Indonesia, was the target of a cyberattack, resulting in the loss of funds equivalent to IDR 280.37 billion. The Commodity Futures Trading Supervisory Agency (Bappebti) has summoned the company's management to verify the incident. “We are conducting an investigation to clarify the situation,” Indodax CEO Oscar Darmawan said, confirming the hack and possible compromise of the transaction system. “Access to the web platform and app has been temporarily suspended, but we guarantee the safety of customer balances in cryptocurrency and rupees.” ❌ The head of Bappebti, Kasan, added that the organization is coordinating with Indodax and the exchange is currently conducting a full system shutdown to check the stability of the operation. “We urge customers not to panic,” he noted. 💰 Cyvers Alerts confirmed that one of the exchange's addresses held assets worth about $14.4 million, which were exchanged for ether and transferred to other wallets. The full amount of the loss has not yet been determined. Indodax, founded in 2013, was the first crypto asset trading platform in Indonesia. @BaliNews #accidents#finance

⚡️TON — LIVE: Launch Meme-Tokens Easily with Uranus #DeDust#finance TON — LIVE introduces Uranus, a new tool by the DeDust team on x1000.finance, facilitating one-click launches of meme-tokens. Token creators can now earn up to 70% of trading fees. Source: link @tonlines

Dalam hidup ni, kita tidak boleh dapat semua benda yang kita mahu. Kalau boleh pun, yang pasti tak mungkin kita akan dapat semua serentak. Dalam hidup ini kita mesti ada kos lepas. Kalau tak, nanti yang dikejar tak dapat, yang dikendong berciciran. Tahu tak apa tu kos lepas? Siapa yang ada belajar ekonomi asas atau perdagangan dulu pasti tahu. Kos lepas ni senang cakap, saya bagi contoh mudah dulu la ya; kau ada RM1000, kau nak basikal dan kau nak telefon baru yang canggih. Kau tau yang duit tu macam tak cukup ja untuk beli dua2, jadi kau mesti ada kos lepas; pilih satu sahaja dan lepaskan keinginan yang satu lagi. Kalau kau nak dua2 juga, pun boleh juga. Tapi kau terpaksalah beli basikal dan telefon yang lebih murah supaya dapat dua-dua benda tu dengan wang RM1000 yang kau ada. Tapi tu lah, kualiti untuk kedua2 basikal dan telefon yang kau beli tu, terjejas sebab kau terpaksa beli yang murah sebab kau nak juga dua2. Hujung2 nanti kau tak berpuas hati pun dengan dua2 benda tu walaupun sebenarnya itu yang kau dah lama nak. Jadi di situ pentingnya kos lepas dalam hidup. Macam juga kalau nak cari bini, kau nak yang cantik meletups dan 'high maintenance' atau yang biasa2 ja tapi tak bocorkan poket kau? Ke kau nak yang dahlah hodoh, mengikis, gedik mengada2 pula tu? Kalau kau nak yang tu itu kos bodoh namanya. HAHAHAHA 😂 hmm lain macam cara saya tulis kali ni, saya pun tak tau kenapa, tiber.😂 #thoughts#random#life#finance @quietworld🍃

💰Apple is investing $1 billion in Indonesia ℹ️ The story began last month, when Indonesian authorities banned the sale of iPhone 16 smartphones in the country. ↗️ The official reason is violation of Indonesian legislation on content regulation. The unofficial one is insufficient investment in the country by the company that wants to sell its product here. 🏭 According to the current policy of the authorities, in order to sell products in Indonesia, it is necessary to place its own production in the country. Otherwise, the business faces high import duties or even a complete ban, as in the case of the iPhone 16. 📰 Now, according to Bloomberg, the parties are close to lifting the ban, as Apple has offered to invest $1 billion to set up production facilities inside the country. 📍 Part of these funds will be used to build a factory for the production of AirTags on the island of Batam, near Singapore. According to the publication, here it is planned to produce up to 20% of the global volume of these devices. 📍 Another part of the investment will go to the opening of production of Apple accessories in the city of Bandung, near Jakarta, as well as to expand the Apple Academy program, responsible for the training of programmers. 🏝By the way, one of the new academies will be opened in Bali. This was previously announced by Tim Cook during his visit to Indonesia this year. @BaliNews #business#finance