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Мир сегодня с "Юрий Подоляка"
Мир сегодня с "Юрий Подоляка"
Труха⚡️Україна
Труха⚡️Україна
Николаевский Ванёк
Николаевский Ванёк
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Pivot.UZ
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Pivot.UZ
09.05.202516:04
Islomiy moliya, startaplar va investitsiyalar haqida suhbat

🔹 Bu songi podkastimizda Hayotjon Azimov bilan O‘zbekiston va islomiy moliya startap ekotizimi haqida suhbatlashdik.

Hayotjon Azimov o‘zining startaplar yaratish bo‘yicha boy tajribasi orqali, islomiy moliya va unga bo‘lgan ehtiyoj haqida chuqur fikrlarini bildirdi. U islomiy moliya tizimining qanday ishlashini, O‘zbekistonda bu sohaga bo‘lgan qiziqishni qanday oshirish mumkinligini va yoshlarni jalb qilish yo‘llari haqida o‘z tajribasini o‘rtoqlashdi.

Suhbat davomida:

- O‘zbekistonda islomiy moliyaning rivojlanishi uchun nima qilish kerak?
- Islomiy moliya tizimining foydalari va imkoniyatlari nimalardan iborat?
- Startaplar yaratishda muvaffaqiyatga erishish uchun qaysi asosiy strategiyalarni qo‘llash kerak?


To‘liq suhbatni tinglang, startap yaratishda va islomiy moliya tizimi haqida yaxshiroq tushunchaga ega bo‘ling.

🖤 To'liq suhbatni ko'rish

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Barchangizga Xotira va Qadrlash kuni muborak bo'lsin!

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AloqaVentures “YORYOR” startapiga investitsiya kiritdi

👤 AloqaVentures zamonaviy juftliklar uchun to‘ylarni raqamli tarzda rejalashtirish, boshqarish va nishonlashni osonlashtiruvchi innovatsion platforma — YORYOR startapiga investitsiya kiritdi.

📌 Startap o‘z faoliyatini To‘yona — mehmonlar tomonidan juftlikning istak ro‘yxatiga mos raqamli sovg‘alar yuborish imkonini beruvchi aqlli gifting xizmati bilan boshlagan.

❗️ Asosiy funksiyalar:
– 2 daqiqada to‘y sahifasi va e-taklifnomalar;
– AI yordamida rejalashtirish;
– Tasdiqlangan xizmatlar bozori;
– Tezkor bronlash va ilovadagi muloqot;
– Vendorlar uchun boshqaruv paneli.




AloqaVentures invests in YORYOR

👤 AloqaVentures has invested in YORYOR, a wedding-tech startup making it easier for modern couples to plan and manage their weddings digitally.

📌 Its flagship tool, To‘yona, enables smart, wishlist-based digital gifting from guests.

❗️ Key features:

– Digital gifting (To‘yona);
– Wedding sites & e-invites in 2 minutes;
– AI planning assistant;
– Verified vendor marketplace;
– Instant booking & messaging;
– Vendor growth dashboard.


Manba

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08.05.202505:06
NVIDIA tomonidan 4 ta bepul AI kurs

2025-yilda sun'iy intellekt bo‘yicha bilimlaringizni oshiring! NVIDIA AI, mashinaviy o‘qitish va ma'lumotlar tahliliga oid bepul kurslarni taqdim etadi. Bugunoq yoziling!

👉 Batafsil



4 Free AI courses by NVIDIA

Boost your AI knowledge in 2025! NVIDIA offers free courses on AI, machine learning, and data analytics. Enroll today and take your skills to the next level!

👉 For more information

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SHOSHILINCH IMKONIYAT – Femtech asoschilari uchun

⚡️ UNICEF Venture Fund quyidagi yo‘nalishlarda ishlayotgan rivojlanayotgan davlatlardagi startaplarga $100,000 gacha grant (aksiyasiz) va mentorlik dasturini taklif qilmoqda:
- Ayollar uchun moliyaviy inklyuziya va iqtisodiy imkoniyatlarni kengaytirish;
- Gender ma’lumotlari bo‘yicha mavjud bo‘shliqni yopishga qaratilgan yechimlar;
- Raqamli sog‘liqni saqlash: profilaktika, tashxis va davolash texnologiyalari.


Kimlar ariza topshirishi mumkin?
Rivojlanayotgan bozorlardagi (emerging markets) startaplar

📅 Ariza topshirish muddati: 2025-yil 8-may
🔗 Ariza topshiring

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05.05.202515:25
AloqaVentures “inter-AI” startapiga investitsiya kiritdi!

AI asosida ishlovchi ushbu HR-tech platforma nomzodlarni topish, suhbatdan o‘tkazish va ishga moslashtirish jarayonlarini avtomatlashtiradi.

❗️ Asosiy afzalliklari:
– AI orqali rezyume tahlili
– Real vaqtli intervyular
– 25+ ko‘rsatkich bo‘yicha baholash
– Virtual yordamchi va tavsiyalar


Inter-AI bugun xalqaro kompaniyalar tomonidan ham faol qo‘llanilmoqda.

👉 Batafsil



AloqaVentures invests in “inter-AI”!

AloqaVentures has backed Inter-AI, an AI-powered HR-tech platform that automates hiring — from sourcing and interviews to assessment and onboarding.

❗️ Key features:
– AI-based resume analysis
– Real-time voice interviews
– 25+ criteria for evaluation (Soft/Hard skills, leadership, etc.)
– Virtual assistant for onboarding
– Smart dashboard for HR managers


Inter-AI is already being used by both local and international companies.

👉 For more information

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09.05.202514:38
Startap loyihalarning nozik joyi nima?
Iqtisodchi Otabek Bakirov bilan to'liq suhbatni
shu yerda ko'ring

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Qirg‘izistolik qiz Honorlock startapiga $50 million investitsiya jalb qildi

Yelena Soboleva ismli tadbirkor Honorlock nomli startapi uchun $50 million investitsiya jalb qilishga muvaffaq bo‘ldi. Bu onlayn imtihonlar paytida halollikni nazorat qiluvchi sun’iy intellekt tizimi bo‘lib, AQShdagi yirik universitetlar bilan ishlaydi.

U o‘z biznes yo‘lini oddiy Excel fayli asosida boshlagan, dasturchisiz, akseleratordan o'tib, patent olgan, va nihoyat global EdTech kompaniyasiga aylangan.

👉 Batafsil



A Kyrgyz Woman Raised $50 Million for Her Startup!

Elena Soboleva, an entrepreneur from Kyrgyzstan, successfully raised $50 million in funding for Honorlock, an AI-powered proctoring system used by major U.S. universities.

She started with a simple Excel prototype, no developers, went through an accelerator, secured a patent — and turned her idea into a global EdTech company.

👉 For more infromation

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SG Micro SaaS Studio ishga tushirildi — maqsad: 100 dan ortiq global Micro SaaS kompaniyalarini qurish

👍Startup Garage asoschisi Muhammad Xalil tomonidan yangi ambitsiyali tashabbus – SG Micro SaaS Studio ishga tushirildi.

Maqsad: 100+ global Micro SaaS kompaniyasini yaratish va ularning kollektiv qiymatini $100M-$1Bgacha olib chiqish.

❗️ SG Micro SaaS Studio bu:
- Kurs emas;
- Akselerator emas;
- Balki texnik asoschilar uchun to‘liq infratuzilma va yordam taklif qiluvchi venture studio.


Dastlabki 3 ta loyiha allaqachon $2Mgacha baholangan va $100K+ ARR ko‘rsatkichiga erishgan.

👉 Batafsil



SG Micro SaaS Studio launched to build 100+ global micro SaaS companies

👍 Muhammad Khalil, founder of Startup Garage, has officially launched SG Micro SaaS Studio — a bold initiative aiming to build and grow over 100 global Micro SaaS startups.

Vision: Create a collective portfolio valued at $100M–$1B by empowering technical founders worldwide.

❗️ SG Micro SaaS Studio is:
- Not a course;
- Not an accelerator;
- But a full-stack venture studio for builders, coders, and product minds.


First 3 ventures are already valued up to $2M with $100K+ ARR.

👉 For more information

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Tibbiyotda AI chatbotlarga ishonish mumkinmi?

Chatbotlar tibbiy sohada keng qo‘llanilmoqda: har oltinchi amerikalik har oy ulardan sog‘liq bo‘yicha maslahat olishda foydalanadi.

Batafsil



Can AI chatbots be trusted in medicine?

Chatbots are widely used in the medical field: one in six Americans uses them every month to get health advice.

For more information

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O‘zbekistonda moliyaviy sektorning kiberxavfsizligi kuchaytirilmoqda

Kiberjinoyatlar va onlayn firibgarlik xavfining ortib borayotganini inobatga olib, O‘zbekiston Prezidenti tomonidan aholini moliyaviy yo‘qotishlardan himoya qilish va tashkilotlarning javobgarligini oshirishga qaratilgan qaror imzolandi. Mazkur qaror moliya institutlari va fuqarolar uchun qat’iy kiberxavfsizlik talablarini belgilab, raqamli iqtisodiyotda xavfsiz muhit yaratishga xizmat qiladi.

👉 Batafsil

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Uzbekistan Strengthens Cybersecurity Measures Across the Financial Sector

In response to the growing threat of cybercrime and online fraud, the President of Uzbekistan has signed a decree introducing a set of robust cybersecurity regulations aimed at protecting citizens’ financial assets and increasing institutional accountability. The decision outlines strict responsibilities for financial institutions and individual users alike, marking a significant step toward building a more secure digital economy.

👉 For more information

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OSCAR 6 million yevro investitsiya bilan Britaniya bozoriga kirib bormoqda

Yevropadagi uy xizmatlarini raqamlashtirishga bel bog‘lagan Portugaliya startapi OSCAR, Pre-Series A bosqichida 6 million yevro investitsiya jalb qildi.

👉 Batafsil



OSCAR enters the UK market with €6m investment

OSCAR, a Portuguese startup focused on digitizing home services in Europe, has raised €6m in Pre-Series A funding.

👉 For more information

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“Greater Fool” nazariyasi: eng oxirida qolish va hamma zararni to‘lamaslik uchun nima qilish kerak?

Greater Fool Theory
— bu sarmoya olamidagi oddiy, ammo kuchli g‘oya: siz haddan tashqari qimmat aktivni sotib olib ham foyda qilishingiz mumkin — agar kimdir uni sizdan yanada qimmatga sotib olishga tayyor bo‘lsa.

👉 Batafsil



The “Greater Fool” theory: what to do to avoid being the last one and bearing all the losses?

Greater Fool Theory is a simple yet powerful idea in the investment world: you can profit by buying an overpriced asset – if someone else is willing to buy it from you at an even higher price.

👉 For more information

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08.05.202517:26
Nika Kurdiani and Oliver are demonstrating the agility of startup founders — as reflected in TBC Uzbekistan’s first quarter results.

Wealth creation by top managers — this is how corporate culture should work. At this pace, TBC Group Uzbekistan’s valuation could easily reach decacorn status.

Davron Parmonov, co-founder of pivot.uz




Nika Kurdiani va Oliver startap asoschilariga xos chaqqonlikni namoyon etishmoqda — bu TBC Uzbekistan’ning birinchi chorak natijalarida yaqqol ko‘rinadi.

Yuqori darajadagi menejerlar tomonidan boylik yaratish — korporativ madaniyat aynan shunday ishlashi kerak. Bu ketishda TBC Group Uzbekistan bahosi bemalol dekakorn darajasiga yetishi mumkin.

Davron Parmonov, pivot.uz asoschilaridan


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SEO va qidiruv tizimlari aslida qanday ishlaydi? Yandeks vakilining izohi

SEO bugun shunchaki kalit so‘zlar yoki sahifa tezligi bilan cheklanmaydi. Yandeks eksperti fikriga ko‘ra, qidiruv tizimi uchun eng muhim narsa — foydalanuvchi kutayotgan javobni topib berish. Ya’ni, kontent mazmunli, aniq, va inson ehtiyojiga mos bo‘lishi kerak. Qanchalik ko‘p rasm yoki matn emas, balki foydalilik darajasi muhim.

👉 Batafsil



How do SEO and search engines actually work? Insights from a Yandex expert

Today, SEO is no longer just about keywords or site speed. According to a Yandex representative, what truly matters is meeting the user’s expectations. That means your content needs to be clear, relevant, and genuinely helpful. It’s not about the number of images or words — it’s about how well you solve the user’s problem.

👉 For more information

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Startuplarning eng keng tarqalgan 5 ta muvaffaqiyatsizlik sababi:

1. 👥 Jamoa ichidagi muammolar – 55%
Bu eng katta sababdan biri bo'lib IT sohasida bu ko‘rsatkich yanada yuqori (60%), sog‘liqni saqlash sohasida esa 48% tashkil etgan.


2. 💵Noto‘g‘ri biznes modeli – 10%

Sog‘liqni saqlash sohasida bu ko'rsatkich (16%), ITda bu raqam 7% ni tashkil etgan.
Ya’ni, daromad olish rejasi aniq bo‘lmasa yoki ishlamasa, startup yashab keta olmaydi.


3. 🏠Soha bilan bog‘liq muammolar – 10%

Har bir sohaning o‘ziga xos xavflari va qonun-qoidalari bor va bu ko'rsatkich ham muhim.


4. 🎛Bozorga noto‘g‘ri vaqtda kirish – 9%

Agar startup juda erta yoki kech harakat qilsa, bu ham muvaffaqiyatsizlikka olib keladi.
Bu muammo ITda 8%, sog‘liqni saqlashda 10% holatlarda kuzatilgan.


5. 💻Texnologiyadagi muammolar – 8%

Ko‘pchilik texnologiya eng muhim deb o‘ylaydi, lekin bu unday emas.
Texnologiya muhim bo‘lsa-da, jamoa va reja undan ham muhimroq ekanini ushbu tadqiqot isbotlaydi.

📉Kamroq uchraydigan sabablar:
Bozorni noto‘g‘ri tanlash – 3%
Direktorlar kengashi muammolari – 3%
Omad – 1%


🔍Xulosa:
Eng muhim omil — jamoa.
Texnologiya emas, inson omili muhim.
Kuchli liderlik va aniq strategiya bo‘lmasa, texnologiya ham startupni qutqara olmaydi.
Sog‘liqni saqlash sohasidagi startuplar uchun biznes modeli va sanoatdagi qoidalar eng katta tahdiddir.
Hatto texnologiyaga asoslangan IT sohasida ham reja va ijro hal qiluvchi rol o‘ynaydi.

Manba

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O‘zbekiston startaplari uchun yangi imkoniyatlar

2025 yil aprel oyida Azamat Karamatov, IT Park Ventures bosh direktori, Silkroad Innovation Hub yordamida Bay Area, Kaliforniya shtatida strategik safar uyushtirdi. Tadbirda Alchemist Accelerator, Draper University, StartX, SkyStone Games, Tesla va Stanford mutaxassislari bilan uchrashuvlar bo‘lib o‘tdi. Yig‘ilish yakunida Central Eurasian Founders Mixer tadbiri o‘tkazilib, 100 dan ortiq tadbirkorlar va investorlar ishtirok etdi.

Natijalar:

- Alchemist Accelerator, Draper University, va One Way Ventures bilan kelishilgan ta'lim dasturlari;
- StartX va Stanford mutaxassislari bilan hamkorlikda O‘zbekistonda startaplarni rivojlantirish uchun bootcamp va mentorlik dasturlari;
- Tesla zavodi va SkyStone Games bilan muhokamalar, yangi texnologiyalar va o‘yinlar sohasidagi imkoniyatlar.


👉 Keyingi qadam: AQShda Founder Immersion Program (TechCrunch Disrupt 2025), Google, Salesforce kabi kompaniyalar bilan uchrashuvlar.

🔗 Ro’yxatdan o’ting

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03.05.202511:04
TikTok Yevropada 530 mln yevroga jarimaga tortildi

TikTok Yevropa Ittifoqida navbatdagi yirik xavfsizlik mojarosining markaziga aylandi.

👉 Batafsil



TikTok fined 530 million euros in Europe

TikTok has become the center of another major security scandal in the European Union.

👉 For more information

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Karnegi Mellon Universitetining o‘zbek talabasi “Mawido” — Qatardagi eng ilg‘or salonlar va barberlar platformasini ishga tushirdi

👍 Startup Garage’ning SG Micro SaaS Studio dasturi doirasida qo‘llab-quvvatlangan loyiha — Mawido endi Qatarda ishga tushdi. Karnegi Mellon Universitetida tahsil olayotgan o‘zbekistonlik talaba Hasan Xakimjanov tomonidan yaratilgan ushbu platforma Doha aholisi uchun eng yaxshi salon va barberlarni topish, ularni solishtirish va bron qilishni osonlashtiradi. Mawido — mustaqil tarzda ishlab chiqilgan, mobilga mos va sodda interfeysga ega Micro SaaS yechimidir.

👉 Batafsil



Uzbek Student at Carnegie Mellon Launches “Mawido” — Qatar’s premier platform for discovering salons and barbershops

👍 Supported by Startup Garage’s SG Micro SaaS Studio, Mawido is now live in Qatar. Created by Uzbek student Hasan Khakimjanov at Carnegie Mellon University, the platform helps Doha residents easily find, compare, and book top salons and barbershops. Mawido is an independently built, mobile-friendly Micro SaaS solution focused on everyday grooming convenience.

👉 For more infromation

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TBC O'zbekiston raqamlarda:

2025-yil 1-choragi yakunlari:
Operatsion daromad — 744 mlrd so‘m (+113%)
Kredit portfeli — 10,047 trln so‘m (+121%)
Depozit portfeli — 5,7 trln so‘m (+85%)

Foydalanuvchilar:
• 19,7 mln ro‘yxatdan o‘tgan
• 6,1 mln oylik faol foydalanuvchi

Yangi mahsulotlar:
Salom Card debet kartasi — 228 ming
Osmon Card kredit kartasi — 48 ming
payme plus obunasi
TBC Business platformasi orqali KOB kreditlari



TBC Uzbekistan:
Q1 2025 Results:
Operating income — 744 billion UZS (+113%)
Loan portfolio — 10.047 trillion UZS (+121%)
Deposit portfolio — 5.7 trillion UZS (+85%)

Users:
• 19.7 million registered
• 6.1 million monthly active

New products:
Salom Card debit card — 228K issued
Osmon Card credit card — 48K issued
payme plus subscription
• SME loans via TBC Business platform

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08.05.202507:40
Hashamat ortidagi haqiqatlar fosh bo‘ldi

TikTok’da tarqalgan bir qator videolarda xitoylik fabrika egalari va ta’minotchilar hashamatli brend mahsulotlari chakana narxining bir necha baravar arzonga ishlab chiqarilishini ko‘rsatmoqda.

👉 Batafsil



Exposing the True Costs of Luxury

Several videos circulating on TikTok show Chinese factory owners and suppliers producing luxury brand products at prices several times cheaper than their retail cost.

👉 For more information

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Investorlar bilan muzokaralar olib borish

Investorlar bilan muzokaralar startapning o‘sishi va muvaffaqiyatga erishishi uchun hal qiluvchijarayonlardan biridir.

👉 Batafsil



Negotiating with investors

Negotiations with investors are one of the crucial processes for the growth and success of a startup.

👉 For more information

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Startuplarni muvaffaqiyatga olib boruvchi omillar: 500+ investor fikri asosida

Stanford tadqiqotiga ko‘ra, startuplarning muvaffaqiyati texnologiyaga emas, balki kuchli va jips jamoaga bog‘liq. 500 dan ortiq investorlar eng muhim omil sifatida jamoa dinamikasini ko‘rsatgan (56%). Bozorga to‘g‘ri vaqtda chiqish (12%) va texnologiya (9%) esa keyingi o‘rinlarda.

👉 Batafsil



Key Success Factors for Startups: Insights from 500+ Investors

A Stanford study shows that startup success depends more on people than technology. Over 500 investors ranked a strong, cohesive team as the top factor (56%). Timing (12%) and technology (9%) followed. The key message: even the best idea won’t succeed without the right people behind it.

👉 For more information

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1Fit Meksikadagi faoliyatini to‘xtatdi

Qozog‘istonlik 1Fit startapi 2025-yil aprel oxirida Meksikadagi faoliyatini kutilmaganda to‘xtatdi. Kompaniya mijozlar va hamkorlarga ogohlantirishsiz bozorni tark etdi.

Yuzlab foydalanuvchilar yillik va yarim yillik obunalarga pul to‘lagan bo‘lsa-da, xizmatlardan foydalana olmay qolgan. Ijtimoiy tarmoqlarda norozilik kuchaymoqda.

👉 Batafsil
🗂 Manba



Kazakh Startup 1Fit shuts down operations in Mexico

Kazakhstan-based startup 1Fit suddenly shut down its operations in Mexico at the end of April 2025, without warning customers or partners.

Thousands of users, many of whom purchased long-term memberships, lost access to services. Public outrage is growing across social media.

👉 For more information
🗂 Credit

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