PhD Normumin Mavlanov
Tashkent Institute of Finance
Abstract: The article focuses on the specifics of assessing the creditworthiness of
agricultural enterprises. Based on the sectoral nature of agricultural enterprises, a scoring model for
assessing creditworthiness has been developed and the advantages of this model have been
demonstrated. The scoring model for assessing the creditworthiness of agricultural enterprises
includes financial indicators (liquidity indicators, balance sheet liquidity, security indicators,
efficiency indicators, stability indicators and Altman model) and non-financial indicators (total
credit history, credit supply, project realism, product competitiveness, business reputation) in order
to evaluate the creditworthiness.
Keywords: creditworthiness, objective factors, market conjuncture, credit risk, credit risk
reduction, financial indicators, non-financial indicators, scoring model