English
DIGITAL SIMULATION IN TEACHING ISLAMIC FINANCE PRODUCTS: A MODEL FOR UZBEK UNIVERSITIES
Journal
Republican Scientific and Practical Conference “Digital and Pedagogical Transformation and Research Models in Modern Education”
Issue
Republican Scientific and Practical Conference “Digital and Pedagogical Transformation and Research Models in Modern Education”
Abstract
The article discusses the use of digital simulations in teaching Islamic finance products in Uzbek universities after the adoption of Law No. ZRU-1126 on Islamic banking. Students often know the definitions of these products but find it harder to follow the correct order of operations. Based on a review of the literature and the AAOIFI standards, the author proposes a low-cost spreadsheet simulation in which the student acts as a bank officer and the system checks key Shariah conditions at each step. The model has not yet been tested and is proposed for a pilot study.
Keywords
Islamic finance
New Uzbekistan
applied economics education
digital competence
educational simulation
experiential learning
ijara
murabaha
Oʻzbekcha
Maqolada islomiy bank faoliyati to‘g‘risidagi O‘RQ-1126-son Qonun qabul qilinganidan so‘ng O‘zbekiston oliy ta’lim muassasalarida islomiy moliya mahsulotlarini o‘qitishda raqamli simulyatsiyalardan foydalanish masalasi ko‘rib chiqiladi. Talabalar odatda bu mahsulotlarning ta’riflarini biladi, biroq amallarning to‘g‘ri ketma-ketligiga rioya qilish ularga qiyinroq kechadi. Adabiyotlar va AAOIFI standartlari tahlili asosida muallif elektron jadvalga asoslangan arzon simulyatsiyani taklif qiladi: unda talaba bank xodimi rolini bajaradi, tizim esa har bir bosqichda asosiy shariat shartlarini tekshiradi. Model hali sinovdan o‘tkazilmagan va pilot tadqiqot uchun taklif etiladi.
O‘zbekiston.
amaliy iqtisodiy ta’lim
ijara
islomiy moliya
murobaha
o‘quv simulyatsiyasi
raqamli kompetensiya
tajriba orqali o‘qitish
Русский
В статье рассматривается применение цифровых симуляций при обучении продуктам исламского финансирования в вузах Узбекистана после принятия Закона № ЗРУ-1126 об исламском банкинге. Студенты обычно знают определения этих продуктов, но им сложнее соблюдать правильный порядок операций. На основе обзора литературы и стандартов AAOIFI автор предлагает недорогую симуляцию в электронной таблице, в которой студент выступает сотрудником банка, а система на каждом шаге проверяет ключевые шариатские условия. Модель пока не апробирована и предлагается для пилотного исследования.
Узбекистан.
иджара
исламские финансы
мурабаха
обучение через опыт
прикладное экономическое образование
учебная симуляция
цифровая компетентность
1. Law of the Republic of Uzbekistan No. ZRU-1126 of 27.03.2026 on amendments and additions to certain legislative acts aimed at introducing Islamic banking activities. – Tashkent, 2026.
2. Uzbekistan establishes Islamic Finance Council as new banking law takes effect // The Times of Central Asia. – 21.07.2026. – URL: https://timesca.com/uzbekistan-establishes-islamic-finance-council-as-new-banking-law-takes-effect/
3. Ministry of Higher Education, Science and Innovation of the Republic of Uzbekistan. 11 new academic programmes introduced at state higher education institutions. 20.07.2026. – URL: https://gov.uz/en/edu/news/view/195718
4. Vuorikari R., Kluzer S., Punie Y. DigComp 2.2: The Digital Competence Framework for Citizens. – Luxembourg: Publications Office of the European Union, 2022.
5. Redecker C. European Framework for the Digital Competence of Educators: DigCompEdu. – Luxembourg: Publications Office of the European Union, 2017.
6. Kolb D.A. Experiential Learning: Experience as the Source of Learning and Development. – Englewood Cliffs: Prentice Hall, 1984.
7. Faria A.J., Hutchinson D., Wellington W.J., Gold S. Developments in business gaming: A review of the past 40 years // Simulation & Gaming. – 2009. – Vol. 40, No. 4. – P. 464–487.
8. AAOIFI. Shari'ah Standards. – Manama: Accounting and Auditing Organization for Islamic Financial Institutions, 2017.
