Our People > Sadokat Jalolova

Sadokat Jalolova

Journalist

Jalolova has worked as a reporter for some time in local newspapers and websites in Uzbekistan, and has enriched her knowledge in the field of journalism through courses at the University of Michigan, Johns Hopkins University, and the University of Amsterdam on the Coursera platform.

Articles

Small Business Lending

Uzbekistan Plans AI-Based Lending Platform to Expand Financing for Small Businesses

Uzbekistan’s president Shavkat Mirziyoyev has reviewed proposals aimed at expanding financial support for small and medium-sized businesses, including the launch of a digital lending platform that would use artificial intelligence to assess borrowers and improve access to credit, according to Uzbekistan’s presidential press service. The proposals are part of a wider effort to increase the role of small businesses in the economy and reduce barriers to financial services. Despite years of reforms, officials said many entrepreneurs in Uzbekistan still face difficulties obtaining loans, particularly those without a credit history. According to figures presented during the meeting, the total loan portfolio allocated to small and medium-sized businesses has reached 218 trillion UZS, or about $17.3 billion, equivalent to around 12% of the country’s GDP. However, unsecured online microloans remain limited, and obtaining such financing currently takes up to seven days on average. The government plans to address these challenges through a new digital financial platform where entrepreneurs will be able to submit loan applications, receive offers from several banks simultaneously, compare terms, and choose the most suitable option. The platform is expected to be integrated with Uzbekistan’s e-government databases, allowing banks to automatically access information on businesses. Officials said this would reduce paperwork, shorten processing times, and limit human influence in lending decisions. One of the most significant proposed changes is the introduction of an alternative credit scoring system using elements of AI, scheduled for implementation from December 1, 2026. Unlike traditional scoring models that rely mainly on previous borrowing history, the new approach would consider factors such as business activity, utility payments, turnover, tax records, and other digital indicators. The aim is to enable banks to assess entrepreneurs who have never taken out loans before, potentially widening access to financing for startups and small enterprises operating outside conventional banking criteria. The government also plans to use AI tools to generate recommendations for improving creditworthiness, evaluating business risks, and supporting business development. Commercial banks may also introduce an “AI consultant” program designed to help entrepreneurs develop business ideas and identify financing opportunities based on local economic specialization and growth potential within neighborhoods, known as mahallas. Other measures under consideration include increasing the unsecured portion of microloans for borrowers with positive repayment records from 100 million to 200 million UZS. Interest expenses on loans or leasing arrangements of up to 5 billion UZS would also be partially compensated regardless of the total loan or lease size. Officials also proposed annual grants of up to 300 million UZS for 100 high-performing businesses to support digitalization, the adoption of international standards, and green technologies.

2 hours ago

humanitarian aid

Uzbekistan Sends Nearly 200 Tons of Aid to Flood-Hit Afghanistan Ahead of Eid al-Adha

Uzbekistan has delivered nearly 200 tons of humanitarian aid to northern Afghanistan in response to recent deadly floods and ahead of the Muslim holiday of Eid al-Adha, according to the administration of Uzbekistan’s southern Surkhandarya region. The shipment arrived in Afghanistan’s Balkh province and included flour, rice, sugar, pasta, confectionery, vegetable oil, chickpeas, and ready-to-eat meals. Uzbek authorities said the assistance was sent on the instructions of President Shavkat Mirziyoyev as a gesture of solidarity and support for Afghan communities affected by natural disasters. The aid was officially handed over in the border city of Hairatan at facilities operated by Astras. The ceremony was attended by Uzbekistan’s Special Representative for Afghanistan, Ismatilla Irgashev; Surkhandarya regional governor Ulugbek Kosimov; and Balkh deputy governor Nurulhodi Abuidris, along with officials from both countries. Afghan representatives expressed gratitude to the Uzbek government and people for their continued humanitarian support and extended Eid greetings, according to Uzbek officials. The assistance comes as Afghanistan faces renewed destruction caused by severe weather. The Taliban-controlled Bakhtar News Agency reported on May 23 that at least 28 people had died in the previous 48 hours due to heavy rainfall and flash floods across 17 provinces. Ten others were injured, while 176 homes were destroyed and another 534 were partially damaged. Taliban disaster management officials said flooding, storms, hail, and lightning had caused widespread losses in several parts of the country. Uzbekistan has maintained active engagement with Afghanistan despite international uncertainty surrounding the Taliban administration, combining humanitarian assistance with efforts to deepen trade and transport links. A few days earlier, a new railway logistics terminal, Port No. 5, opened on the Hairatan-Mazar-i-Sharif line. The project aims to increase cargo capacity and strengthen regional transport routes between Central and South Asia. The Hairatan crossing remains one of Afghanistan’s main gateways for imports, making cooperation with neighboring Uzbekistan strategically important for both humanitarian deliveries and commercial flows.

2 hours ago

Transport Infrastructure

Uzbekistan, Afghanistan Open New Cargo Terminal on Hairatan-Mazar-i-Sharif Railway

A new dry port terminal has opened on the Hairatan-Mazar-i-Sharif railway in northern Afghanistan, marking another step in efforts by Uzbekistan and Afghanistan to expand regional transport infrastructure and increase cargo capacity between Central and South Asia. According to Uzbekistan railways (‘O'zbekiston Temir Yo'llari’), an Uzbek delegation visited Mazar-i-Sharif on May 21, where officials attended the inauguration of Port No. 5, a newly constructed and restored cargo facility on the railway corridor operated by Sogdiana Trans, a subsidiary of Uzbekistan Railways. The terminal received its first freight train during the ceremony, officially launching cargo unloading operations. Uzbek and Afghan representatives said the facility is expected to increase freight volumes and improve logistics efficiency along the Hairatan–Mazar-i-Sharif line, which remains one of Afghanistan’s main rail links to Central Asia. The Hairatan–Mazar-i-Sharif railway, completed in 2010 with financing from the Asian Development Bank, links Afghanistan’s northern trade hub at Hairatan, near the Uzbek border, with Mazar-i-Sharif. The line has become a key corridor for moving fuel, food products, construction materials, and humanitarian cargo. During the visit, Uzbekistan railways Chairman Zufar Narzullayev held talks with Afghanistan’s Deputy Prime Minister for Economic Affairs, Abdul Ghani Baradar. Discussions focused on increasing the carrying capacity of the railway and accelerating infrastructure upgrades. Among the proposals was the construction of an additional 1.65-kilometer branch line near Naibabad station. Officials said the project could reduce wagon waiting times and increase overall railway efficiency. Baradar reportedly welcomed the initiatives and instructed Afghan public works authorities to coordinate technical and construction work with Uzbek counterparts. Afghanistan’s Ministry of Public Works also stressed the need to expand cargo traffic, stating that Afghan authorities are prepared to receive and unload increasing volumes of freight moving through the corridor. The opening of Port No. 5 is part of a wider Uzbek push to strengthen transport and energy links with Afghanistan, inspired by Tashkent's broader ambitions to improve access to South Asian and Middle Eastern markets. Uzbekistan has repeatedly promoted trans-Afghan transport routes as a way to reduce regional trade bottlenecks and expand Central Asia’s external connectivity. In February 2025, Baradar announced that construction of the proposed Hairatan-Herat railway extension would begin shortly after completion of a feasibility study financed by Uzbekistan. The planned route would extend the existing railway westward through Afghanistan toward Herat, potentially strengthening trade connections between Central Asia and the Middle East. During the same visit in 2025, Baradar said Uzbekistan had agreed to reduce the cost of a power transmission project to Afghanistan by $30 million.

1 day ago

GSMA Summit

Uzbekistan AI and 5G Push in Focus at GSMA M360 Eurasia

Policymakers, telecom executives, investors and technology leaders gathered in Samarkand on May 20-21 for GSMA M360 Eurasia 2026, a regional summit focused on digital transformation, artificial intelligence, connectivity and the future of telecommunications across Eurasia. The event brought together government representatives and industry figures to discuss how countries in Central Asia and neighboring regions can translate expanding mobile connectivity into long-term economic growth. Questions surrounding 5G deployment, AI infrastructure, education, startup ecosystems and digital skills featured prominently throughout the discussions. In an interview with The Times of Central Asia, Tair Ismailov, Strategic Engagement Director at the GSMA, discussed what governments should realistically expect from 5G, the challenges of building AI ecosystems and why education may ultimately determine whether countries benefit from rapid technological change. His comments come as Uzbekistan expands investment in telecommunications, data infrastructure and AI education while positioning itself as one of Central Asia’s fastest-growing digital economies. Why 5G May Matter More to Industry Than Consumers For many governments, 5G deployment has become a symbol of technological progress. Yet Ismailov said the economic benefits differ significantly depending on how countries adopt the technology. “Each country has its own path,” he said. “There are countries that have been pioneers in 5G, for example the U.S., South Korea and China, because they have ecosystems of equipment that they need to produce and drive.” Other countries, he argued, may benefit from moving later. “Sometimes it’s better for developing countries not to be in the avant-garde, but rather to follow examples and learn from existing cases,” he said. According to Ismailov, one of 5G’s most immediate functions is helping networks manage growing internet demand. Digital consumption patterns have changed dramatically over the last decade, he noted. “Back in the day, we never streamed videos, now we take it for granted,” Ismailov said. “Average internet consumption in the region is around 17GB per month per user. These are big numbers.” As traffic increases, networks require greater efficiency and capacity. “For networks simply to cope with this traffic, they need to be more productive, and 5G brings this productivity,” he explained. However, he suggested that the technology’s most significant economic impact may emerge outside consumer markets. “If you look at China and other markets, the biggest 5G benefits are granted to the B2B sector,” Ismailov said. “Businesses benefit from low latency and higher speeds.” Consumers may not immediately notice improvements, he added, but industries relying on automation, logistics, manufacturing or cloud services could see larger gains. “On the consumer side, you might not notice it,” he said, “but when you don’t have it, you start noticing it.” [caption id="attachment_49335" align="aligncenter" width="2560"] Image: TCA/Sadokat Jalolova[/caption] Building AI Requires More Than Data Generation As artificial intelligence expands globally, governments have begun viewing data as a strategic resource. Asked whether Uzbekistan has enough high-quality and accessible data to build a meaningful AI ecosystem, Ismailov argued that generating information is no longer the primary challenge. “I don’t think the question is generating data,” he said. “The question is...

4 days ago

GSMA Summit

GSMA M360 Eurasia in Samarkand Highlights Push for Faster Digital Growth

Government officials, telecom executives, investors and startup founders gathered in Samarkand this week for GSMA M360 Eurasia 2026, an event focused on one of the region’s biggest questions: how to turn expanding connectivity into long-term economic growth. Held on May 20-21, the summit brought together policymakers and technology companies to discuss artificial intelligence, 5G deployment, digital public services, investment and startup ecosystems. New data released by the GSMA during the event suggests the mobile industry is becoming an increasingly important economic engine across Eurasia. According to the newly published Mobile Economy Eurasia 2026 report, mobile technologies and services generated $270 billion in economic value across Eurasia in 2025, equivalent to 8.1% of regional GDP. That contribution is projected to reach $300 billion by 2030. Opening the event, John Giusti, Chief Regulatory Officer at the GSMA, said decisions made now on regulation, infrastructure and investment will shape Eurasia’s digital future. “The mobile industry is a powerful driver of growth across Eurasia, contributing around $270 billion to the regional economy today and set to reach $300 billion by 2030,” Giusti said during the keynote session. “Hosting M360 Eurasia in Samarkand is especially fitting. Uzbekistan’s rapid digital progress shows how mobile connectivity can modernize public services, boost productivity and improve lives across the region.” The GSMA report estimates that the mobile ecosystem supported approximately 750,000 jobs across Eurasia in 2025. By 2030, mobile’s economic contribution is expected to grow faster than overall regional GDP growth. Yet expansion remains uneven. Despite wider internet coverage, a significant usage gap persists: nearly 29% of people covered by mobile networks across Eurasia still do not use mobile internet. The report identified affordability, digital literacy and trust as the main barriers. [caption id="attachment_49256" align="aligncenter" width="2560"] Image: ТСА, Sadokat Jalolova[/caption] Uzbekistan’s 5G Push and Why 4G Still Matters One of the summit’s recurring themes was 5G deployment. The GSMA forecasts that by 2030, almost 30% of all mobile connections in Eurasia will use 5G technology. Uzbekistan is expected to exceed that average, with more than 40% of connections projected to run on 5G by the end of the decade. Still, Giusti cautioned against focusing exclusively on next-generation networks. In an interview with The Times of Central Asia, he said maintaining investment in existing technologies remains critical. “I think obviously Uzbekistan is leading in terms of 5G deployment,” Giusti said. “But I think it’s very important that we not lose sight of continued investment in 4G.” “We have a lot of 4G devices out there, and I think LTE is offering a huge amount of opportunity for citizens. So, I think it’s this complementary approach of making sure we invest both in the next generation of technology and continue to facilitate the growth of existing technologies.” His comments reflect a broader debate in emerging digital economies: whether governments and operators should prioritize cutting-edge infrastructure or maximize access through already established networks. For many consumers, especially outside major urban centers, 4G remains the primary gateway to digital services. Digital Services Beyond...

5 days ago

Israel-Iran Escalation

Central Asia Unites: Evacuations Amid Middle East Turmoil

As hostilities between Israel and Iran escalate in the Middle East, Kazakhstan, Kyrgyzstan, and Uzbekistan have initiated a comprehensive evacuation of their citizens from high-risk areas, drawing on regional cooperation and humanitarian assistance to ensure their safe return. Regional Support in Evacuation Efforts Azerbaijan and Turkmenistan have stepped in to aid the Central Asian nations' evacuation operations, providing transit routes and logistical support. At the Astara border checkpoint, six Kazakh citizens crossed from Iran into Azerbaijan, where they were offered medical assistance and meals before continuing their journeys. Turkmenistan has also facilitated the safe passage of approximately 120 evacuees, including citizens of Kazakhstan, Kyrgyzstan, Uzbekistan, Tajikistan, and Romania, through its border checkpoints with Iran. Turkmenistan’s Ministry of Foreign Affairs confirmed that foreign diplomats and their families were recently evacuated from Iran through Turkmenistan. The country provided comprehensive humanitarian assistance to the evacuees, offering transportation, food, accommodation, and essential supplies. Turkmenistan’s authorities highlighted that the operation was carried out in close cooperation with foreign embassies and international organizations, reflecting its commitment to humanitarian values, international cooperation, and good neighborly relations, particularly during the “Year of Peace and Trust,” as declared by the United Nations General Assembly at Turkmenistan’s initiative. Uzbekistan has evacuated over 30 citizens of its citizens from Iran via Turkmenistan and Azerbaijan, according to the Ministry of Foreign Affairs. “All necessary measures are being taken to ensure the safety of our citizens. The embassies of Uzbekistan in Iran and Israel are operating around the clock,” the ministry stated. Kyrgyzstan has also successfully evacuated 28 of its citizens from Iran via Azerbaijan. "Currently, the necessary assistance is being provided to facilitate the swift return of the evacuees from Azerbaijan to Kyrgyzstan," a Foreign Ministry official stated. Flight Bans and Alternative Routes Kazakhstan’s Civil Aviation Committee has meanwhile implemented a full ban on flights over or near the airspace of Iran, Iraq, Israel, Jordan, Lebanon, and Syria following intensified airstrikes in the region. This decision disrupted flights for hundreds of Kazakh travelers, particularly those in the United Arab Emirates and other Middle Eastern nations. To address the situation, alternative evacuation routes were established. On June 15, two FlyDubai flights arrived in Almaty, carrying a total of 332 Kazakh citizens. These flights included passengers initially stranded after the airspace ban and others who had been scheduled to depart after the interruption. Following rerouting operations, airlines such as Air Astana and FlyArystan have warned of disruptions to flights to and from the Gulf and North Africa. Passengers have been advised to check schedules in advance and to expect delays. Mirziyoyev Addresses the Conflict’s Impact The conflict between Israel and Iran has raised serious concerns across Central Asia. Speaking during a government meeting held via videoconference, Uzbekistan’s President Mirziyoyev warned that the hostilities could negatively impact newly developing trade and transport routes in the region. The growing conflict will “have an impact not only on the Middle East, but also on our region. If the escalation continues, trade relations and logistics routes that are...

11 months ago

Crime

Mystery and Intrigue Behind the Death of Inessa Papernaya

Further details have come to light which shroud the death of Inessa Papernaya in yet more mystery. As reported by TCA yesterday, Papernaya and her companion were found dead in a Tashkent hotel on October 20, along with an Uzbek man in a neighboring room whom media sources initially referred to simply as U.Kh. It has since come to light that this person was Khushnud Udekov, a well-known 48-year-old businessman from the Khorezm region whose private gas company was liquidated. Initially, reports stated that Papernaya was a Russian journalist known for her work with lenta.ru and profile.ru. It was also reported that Papernaya was in Uzbekistan on vacation, and was staying at the Karaman Palace Hotel with her fiancé, Maxim Radchenko, whom she had traveled with in order to meet his relatives. However, Papernaya’s last post for either of these publications came in 2019, since when she had become an employee of the Russian mining company, Norilsk Nickel. According to accounts surrounding the death of Papernaya and Radchenko, hotel staff knocked on the door of their room after the couple, who were supposed to have returned to Moscow, stopped answering the phone. Receiving no response, staff entered the room, where they discovered the bodies of the pair in the bathroom. “When she didn’t answer her phone at 11 PM, I felt something was wrong,” Papernaya’s mother told the media. “I knew something had happened.” The body of Udekov was subsequently found in the room directly below, with some local publications speculating that the businessman may have been the target of a contract killing. Preliminary reports attributed the cause of the deaths to poisoning of “unknown origin,” with early suggestions being made that gas seeped into the room through the ventilation system after the hotel’s pool was cleaned on October 19-20, leading to the incident. The hotel where the incident occurred was also still under construction, and the first floor was stuffed with building materials and furniture. Following the gruesome discovery, authorities sealed off the Karaman Palace Hotel. The Prosecutor General’s Office of Uzbekistan launched an investigation under Article 186 of the Uzbek Criminal Code, which covers the provision of unsafe services, and a forensic examination was ordered to determine the precise causes of death. According to Hayat Shamsutdinov, the press secretary of Uzbekistan's Prosecutor General 's Office, the exact cause of death will be determined after a thorough examination, the results of which are expected in about a month. Forensic expert Alexey Reshetun, however, has stated that it is “extremely difficult to imagine that two adults would die in a single room as a result of gas entering through the ventilation.” Relatives of Radchenko, meanwhile, have disputed what they describe as several different versions of the deaths which have been put forward. Radchenko’s sister stated that the family were initially told “he had an epileptic seizure; she ran up to him, slipped, fell, hit her head and died. This is some kind of TV series: how do you fall? What...

2 years ago

Corruption

The Fall and Fall of Salim Abduvaliev – Kyrgyz Authorities Place Uzbek “Kingpin” on Wanted List

The State Committee for National Security of Kyrgyzstan (GKNB) has issued an arrest warrant for the already imprisoned 73-year-old Salim Abduvaliev, who for decades was one of Uzbekistan's most prominent individuals. As part of the investigation, evidence was obtained that Abduvaliev had financed the activities of an organized criminal group led by Kamchybek Asanbekovich Kolbaev, an individual linked to heroin trafficking who was wanted by the U.S. Department of State and was a member of the international criminal group, the "Brothers’ Circle," or “Bratva”. Kolbaev was killed in Bishkek in a security operation in October 2023 at the age of 49. In a dramatic fall from grace, in March of this year, Abduvaliev was sentenced to six years in prison in Uzbekistan for “arms trafficking”. Initially a fan of President Mirziyoyev, even being photographed wearing a t-shirt proclaiming “My President” emblazoned with Mirziyoyev’s image, Abduvaliev eventually fell afoul of reforms and a crackdown on corruption. “Whether it is criminal groups… or officials mired in corruption, if someone flouts the law and causes harm to the state and society, we will never be able to stand by and watch it,” Mirziyoyev said in December 2023. “In ‘New Uzbekistan,’ the law must prevail, and punishment for crimes must be inevitable”. Having been hugely influential in CIS countries for decades, Abduvaliev now also stands accused in Kyrgyzstan of establishing illegal channels for transporting narcotics to Europe. According to the GKNB, Abduvaliev regularly provided material support to Kolbaev and helped him to become the leader of the Kyrgyz criminal world and rank among the most influential criminal figures in the region. In their indictment, the GKNB stated that Kolbaev and Abduvaliev had a close relationship; pictures showing Kolbaev’s visits to “celebrations and other events” organized by Abduvaliev in Uzbekistan number among the evidence. Based on the collected materials, Abduvaliev was placed on the interstate and Interpol databases by the Oktyabr District Court of Bishkek. Widely-known as "Salimboy-Boyvaccha" (which can be used to mean “grandfather”, “rich man”, or “dandy”), Abduvaliev previously held the position of Vice President of the National Olympic Committee and President of the Wrestling Association of Uzbekistan. He was also an associate of the mob boss, Gafur Rakhimov, considered to be one of the most prominent drug lords in the CIS. [caption id="attachment_21414" align="alignnone" width="700"] Image: GKNB of the Kyrgyz Republic[/caption] A mainstay of Central Asian crime circles, Abduvaliev was in the aluminum business with the notorious Michael Cherney – declared by the FBI to be an “organized crime figure” - sponsored the participation of Anatoly Bykov – since jailed for murder - in elections in Krasnoyarsk Krai in Russia. A 2012 article in Argumenty I fakty cites an “FBI Organized Crime” report as stating that in 1987, when Mikhail Cherney came to “conquer Moscow,” he came with “recommendation letters [from] respected” Tashkent businessmen known by their nicknames, Gafur and Salim.” A well-connected source who wishes to remain anonymous for their safety told TCA that “in Uzbekistan there was no single business...

2 years ago