KICHIK BIZNES SUBYEKTLARIDA SUNʼIY INTELLEKTDAN FOYDALANISHNING INKLYUZIV IQTISODIY OʻSISHGA TAʼSIR ETUVCHI OMILLARI

The article examined the factors through which the use of artificial intelligence in small businesses affects inclusive economic growth. A factor model was developed that combined the employment of women and youth, regional reach, access to finance and markets, digital skills and income distribution. Using World Bank, ILO and ITU data, an index of inclusive growth factors was calculated by the geometric mean method for Uzbekistan and six comparator countries for 2024. The index for Uzbekistan equalled 0.674, with Internet coverage and gender parity in account ownership emerging as the strongest components. Youth inclusion and financial access were identified as the main growth reserve: if they reached the sample median, the index rose to 0.735. The 72-82 percent share of small business in employment in most regions was assessed as the channel that carried the effect of artificial intelligence to the regions.

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