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All Journal JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Inomjon Qudratov
Tashkent State University
Economics, Econometrics & Finance

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THE IMPACT OF ONLINE CUSTOMER REVIEWS ON BRAND REPUTATION Axrorov Saidmunirxon; Chairul Furqon; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.276

Abstract

This article investigates the influence of online customer reviews on brand reputation within digital marketplaces. The study employs a Systematic Literature Review informed by PRISMA 2020, synthesising peer-reviewed publications from 2015 to 2025, indexed in Scopus, Web of Science, ScienceDirect, and Google Scholar. The review shows that review valence, review volume, credibility, authenticity, helpfulness, reviewer expertise, managerial responses, and platform governance have the biggest and most consistent effects on brand reputation. Positive, detailed, and trustworthy reviews boost perceived quality, trust, and legitimacy. On the other hand, negative, suspicious, or inconsistent reviews can quickly hurt a brand's reputation. The results also show that quick and responsible responses from managers can protect a company's reputation, while suspicions of fake reviews and poor platform moderation can hurt both review trust and brand trust. In general, online reviews are no longer just a side note; they are now a key part of a company's reputation that they need to manage carefully.
FINANCIAL INCLUSION AND THE ROLE OF BANKS IN EXPANDING ACCESS TO FINANCIAL SERVICES Rojabov Hakimboy; Budhi Pamungkas Gautama; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.278

Abstract

Financial inclusion has become a central development priority because it links household welfare, enterprise growth, resilience, digital transformation, and long-term social inclusion. This article examines financial inclusion through the specific lens of the banking sector and analyses how banks expand access to payments, savings, credit, insurance, and digital financial services for underserved populations. Using a structured literature review, the paper synthesises scholarship on financial access, bank outreach, branch expansion, agent banking, mobile banking, digital onboarding, consumer protection, and small business finance, with particular attention to Uzbekistan. The review shows that banks remain pivotal institutions because they combine deposit mobilisation, risk management, regulatory accountability, payment infrastructure, and the ability to intermediate funds at scale. At the same time, access alone is not sufficient. Sustainable inclusion depends on affordability, service quality, trust, financial capability, gender-sensitive product design, last-mile delivery channels, and user protection. The article concludes that banks are most effective when they move beyond traditional branch-centred models and integrate digital channels, simplified products, data-informed credit assessment, partnerships with non-bank providers, and targeted strategies for women, youth, rural households, migrants, and MSMEs. For Uzbekistan, the next stage of financial inclusion will depend on stronger digital payments usage, broader savings mobilisation, reduced exclusion in MSME finance, and more relevant formal financial services in everyday economic life.
STABLECOINS, CENTRAL BANK DIGITAL CURRENCIES, AND THE FUTURE OF THE MONETARY SYSTEM Kurbanbayeva Marjona; Netti Nurhayati; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.280

Abstract

Stablecoins and central bank digital currencies (CBDCs) have moved to the center of debates on the future of money because both instruments combine technological innovation with questions of payment efficiency, monetary sovereignty, legal design, and financial stability. This article examines how private digital money in the form of stablecoins and public digital money in the form of CBDCs may reshape the monetary system. The study uses a structured qualitative review based only on the user’s original article and analyzes official publications from institutions such as the Bank for International Settlements (BIS), International Monetary Fund (IMF), Financial Stability Board (FSB), European Central Bank (ECB), CPMI-IOSCO, and selected central bank studies. The review finds that stablecoins may improve payment speed, programmability, and some cross-border transactions, but they also create risks related to reserve quality, run behavior, deposit substitution, market concentration, and foreign-currency dependence. CBDCs are being explored not simply as digital cash replacements, but as strategic public instruments that may preserve the role of central bank money, support competition in payments, and strengthen resilience in a more tokenised financial environment. The article argues that the most plausible future is not a single dominant form of digital money, but a hybrid architecture in which cash, reserves, bank deposits, tokenised deposits, regulated stablecoins, fast payment systems, and selected forms of CBDC coexist. The main policy implication is that public money must remain the anchor of trust in digital environments while private innovation develops within a strong framework of interoperability, prudential safeguards, and consumer protection.
FINANCIAL ALLOCATION FOR SUSTAINABLE LANDFILL MANAGEMENT IN UZBEKISTAN Shomurodov Sarvarbek; Budhi Pamungkas Gautama; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.281

Abstract

This study analyzes how financial resources should be allocated in Uzbekistan’s landfill-based municipal solid waste system to improve ecological performance and economic sustainability. The article is adapted from the author’s original IMRAD manuscript and reorganized to match the Abisatya Eko-Bisma journal template . The study uses documentary analysis, comparative literature review, scenario modeling , and multi-criteria assessment to compare four allocation strategies: business-as-usual, landfill-first, circular-recovery, and an integrated hybrid model . The results show that simply spending money on disposal sites won't make landfills work better. Putting together a financing package that includes all of the following is the best way to do this: better collection , better transfer logistics , clean landfills , controlling methane and leachate, digital billing , and slowly recovering materials . Putting landfills first makes it easier to follow the rules , but it doesn't work as well for circularity and getting money back over time . It's hard to put a model that relies heavily on recycling into action if collection reliability and engineered disposal capacity aren't always reliable . A hybrid allocation model that is backed by tariff reform, better data systems, extended producer responsibility , and climate-linked financing is the best way to go . The research shows that Uzbekistan can move from a system where people only use landfills when they need to to a public utility model. This model is more stable, protects the environment, makes services more reliable, and helps the economy move to a more circular model .
Co-Authors Axrorov Saidmunirxon Budhi Pamungkas Gautama, Budhi Chairul Furqon, Chairul Heny Hendrayati Kurbanbayeva Marjona Netti Nurhayati Rojabov Hakimboy Shomurodov Sarvarbek