Channel
@finkouz
On this record: Growth · Engagement · Reactions · Posts · Cite this entry
498subscribers
-15 since we began measuring on 7 August 2026
Risers and fallers across the register · movement among entries of Under 1,000.
| Telegram ID | -1003206302474 |
|---|---|
| Type | Channel |
| Username | @finkouz |
| Created | Between 1 October 2025 and 31 December 2025— estimated from Telegram’s id allocation, not measured. How this range is calculated. |
| First recorded | 8 August 2026 |
| Last confirmed live | 28 August 2026 |
| Measurements held | 4 |
| Confirmed unchanged | 1 time, most recently 28 August 2026 |
| On Telegram | t.me/finkouz |
| Measured (UTC) | Subscribers | Change |
|---|---|---|
| 28 Aug 2026, 04:13 | 498 | -5 |
| 14 Aug 2026, 18:12 | 503 | -10 |
| 8 Aug 2026, 04:05 | 513 | no change |
| 7 Aug 2026, 19:07 | 513 | first reading |
20 posts held, back to 22 July 2026 — the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 1 pageof Telegram’s post history, 20 posts per page.
ERR is average views per post over the last 30 days divided by subscribers, the definition TGStat uses, so this figure is comparable with the one you will see elsewhere. It falls structurally as a channel grows: a high ERR on a small channel and a low one on a large channel describe reach mathematics, not quality. We publish the figure and the sample it came from and pass no verdict on it.
ER is defined industry-wide as (forwards + reactions + comments) ÷ views— note the denominator is views, not subscribers. Telegram’s public web preview carries views and reactions but not forward or comment counts, so the reaction rate above is the reactions term only and is therefore a floor: the true ER for this channel is higher by an amount we have not measured and will not estimate. It is computed over the 5 of 8 measured posts that carry a reaction reading, and over those same posts' views.
| Window | Rolling 30 days · latest post in window 7 August 2026 |
|---|---|
| Posts held | 20 (22 July 2026 – 7 August 2026) |
| Views total | 1,004 |
| Reactions total | 9 |
| Forwards / comments | not exposed by the public surface — not measured, not estimated |
| Readings taken | 8 Aug 2026, 04:05 UTC |
Views are a single reading per post, taken at the time above. A post published in the last day or two is still accumulating views, which pulls the 30-day average down slightly. That is a property of the standard definition rather than a fault in it, so we keep the definition rather than “correcting” the number into something nobody can reproduce.
Precision. Telegram publishes view counts on its public widget in short form — 8.12K, 3.7M — so any reading at or above 1,000 reaches us rounded to three significant figures, and only counts below 1,000 are exact. Averages and rates derived from them are shown to the same precision rather than to the unit: a figure like 3,701,250 would assert digits nobody measured.
Reaction counts are published per emoji and rounded the same way, so a total below 1,000 is exact and a larger one is a sum that may carry a rounded component from each emoji above 1,000. Because it is a sum, it does not look rounded — read a large reaction total as three significant figures per contributing emoji rather than as the figure it prints.
23 reactions across 14 posts, in 5 distinct kinds. The most used accounts for 60.9% of them.
| Reaction | Count | Share | Share, drawn |
|---|---|---|---|
| ❤ | 14 | 60.9% | |
| 🔥 | 4 | 17.4% | |
| 👍 | 3 | 13.0% | |
| 👎 | 1 | 4.35% | |
| 💯 | 1 | 4.35% |
No sentiment is inferred, and none should be read in. This table is ordered by count and by nothing else. Emoji do not carry stable meaning across languages or communities — 🙏 is thanks in one channel and mourning in another — so we publish which ones were pressed and how often, and pass no judgement on what an audience meant by them.
Precision. Telegram publishes reaction counts per emoji and short-forms each one — 4.34K, 1.2M — so any single kind at or above 1,000 reaches us at three significant figures, and only counts below 1,000 are exact. The shares above are ratios of those figures and carry the same error. This is also why the total here can differ slightly from a reaction total printed elsewhere on the page: both are sums of the same rounded parts, taken over samples with different edges.
Coverage. Reactions were read on 14 of the 20 sampled posts in this sample. Summed by Telegram’s own count on each post — not by adding up the per-emoji breakdown above — those same posts carry 23reactions in total: the kind of figure the paragraph above means by “a reaction total printed elsewhere on the page”.
Measured over the 20 most recent posts we hold, published 22 July 2026 to 7 August 2026, using the newest reading held for each. Telegram Stars are excluded: they are a payment, not a reaction, and they have their own section.
Agar kredit sizga kerakli mablag‘ni to‘plaguningizcha daromad qilish imkonini bersa-chi? Tasavvur qiling: sizga uskunalar, ish uchun avtomobil yoki kichik biznes ochish uchun 30 million so‘m kerak. Oyiga 2 million so‘mdan tejab borsangiz, bunga bir yildan ko‘proq vaqt ketadi. Ammo bu vaqt ichida nafaqat ushbu imkoniyatdan foydalanib daromad topa olmaysiz, balki olmoqchi bo‘lgan narsangizning o‘zi ham qimmatlashishi…
📈 So‘mdagi omonatlar daromadliligi yana o‘sa boshladi Uch oylik pasayishdan so‘ng milliy valyutadagi bank omonatlari bo‘yicha foiz stavkalari yana yuqoriladi. Markaziy bank ma’lumotlariga ko‘ra, iyun oyida so‘mdagi depozitlarning o‘rtacha daromadliligi 17,6% ga yetdi va bu o‘tgan oyga nisbatan 0,5% punktga yuqoridir. Eng sezilarli o‘sish bir yilgacha muddatga mo‘ljallangan qisqa muddatli omonatlarda kuzatildi — ula…
💯1
💰 Bankdagi pullaringiz qanchalik xavfsiz? Omonatchilar bilishi muhim bo‘lgan jihatlar Agar bank o‘z faoliyatini to‘xtatsa, pullaringiz yo‘qolmaydi. Qonunchilikka ko‘ra, barcha omonatlar qaytarilishi shart, biroq to‘lovlarni amalga oshirish tartibi omonat summasiga bog‘liq. Asosiysi: 🔹 200 mln so‘mgacha bo‘lgan omonatlar (hisoblangan foizlari bilan birga) Omonatlarni kafolatlash fondi tomonidan qisqa muddatlarda to‘…
❤3
Siz kredit bo‘yicha bir kunlik kechikish aslida qanchaga tushishini bilasizmi? Ko‘pchilik bir kunlik kechikishni arzimas narsa deb hisoblaydi. Lekin hatto to‘lovning ozgina kechikishi ham shartnomada nazarda tutilgan oqibatlarga olib kelishi mumkin. Kredit shartlariga qarab, bank penya hisoblashi mumkin (agar u ko‘zda tutilgan bo‘lsa), kechikish haqidagi ma’lumot esa kredit tarixingizda hisobga olinishi mumkin. Aga…
👍1
💳 Bank uchun nima muhimroq: daromadmi yoki kredit tarixi? Ko‘pchilik yuqori maosh kreditni avtomatik tarzda tasdiqlanishini kafolatlaydi, deb o‘ylaydi. Lekin amalda bank bir vaqtning o‘zida bir nechta omilni baholaydi. 🔹 Daromad sizning kredit to‘lovlarini muntazam amalga oshira olishingizni ko‘rsatadi. 🔹 Kredit tarixi esa moliyaviy majburiyatlaringizni avval qanchalik mas’uliyat bilan bajarganingizni anglashga yo…
🔥2
Bir odat keyingi kredit olish imkoniyatingizni sezdirmasdan pasaytirishi mumkin Ko‘pchilik bank faqat to‘lov kechikishlariga e’tibor beradi, deb o‘ylaydi. Lekin buni butunlay to‘g‘ri fikr deb bo’lmaydi. Masalan, agar bir kishi muntazam ravishda yangi bo‘lib to‘lash shartnomalarini rasmiylashtirsa, turli banklarga tez-tez ariza topshirsa yoki kredit limitidan deyarli to‘liq foydalansa, bu uning moliyaviy yuklamasi b…
❤2
Kredit olish uchun ariza topshirishning “ideal” kuni bormi? Ko‘pchilik, agar ariza oyning boshida yoki oxirida topshirilsa, ma'qullanish imkoniyati yuqoriroq bo‘ladi, deb hisoblaydi. Lekin bu haqiqatan ham shundaymi? Aslida, universal “ideal” kunning o‘zi yo‘q. Biroq bir jihati bor: agar oylik maoshingizni kartaga olsangiz, daromad muntazam tushib turgandan so‘ng bank sizning joriy to‘lov qobiliyatingizni osonroq …
Nima uchun ish haqi kartasi kredit olish imkoniyatlarini oshirishi mumkin? Agar siz kredit rasmiylashtirayotgan bankning o‘zidan ish haqi olsangiz, bu afzallik bo‘lishi mumkin. Nima uchun? ✅ Bank daromadingizning muntazam tushishini allaqachon ko‘rib turadi. ✅ Unga sizning to‘lov qobiliyatingizni baholash osonroq bo‘ladi. ✅ Daromadni tasdiqlash uchun kamroq hujjat talab qilinadi. ✅ Arizani ko‘rib chiqish jarayoni …
💳 Nima uchun bank kreditni kamroq miqdorda tasdiqlashi mumkin? Aytaylik, siz 100 million so‘mga ariza topshirdingiz, bank esa faqat 70 million so‘mni ma’qulladi. Bu ancha keng tarqalgan holat. Arizani ko‘rib chiqishda bank nafaqat siz so‘ragan miqdorni, balki moliyaviy yuklamangizni ham baholaydi. Qarorga quyidagilar ta’sir ko‘rsatishi mumkin: • rasmiy daromadingiz darajasi; • mavjud kreditlar va muddatli to‘lovlar…
💰 O‘zbekistonda bank omonatlaridan olinadigan daromadlarga 5% lik soliq joriy etilishi taklif qilindi Iqtisodiyot va moliya vazirligi huzuridagi Institut jismoniy shaxslarning bank depozitlari bo‘yicha foizli daromadlariga 5% stavkada soliq solish tashabbusini ilgari surdi. Taklif mualliflarining hisob-kitoblariga ko‘ra, bu chora davlat budjetiga yiliga qariyb 1,4 trln so‘m keltirishi mumkin. Hozirda bank omonatla…
👎1
🏦 Nima uchun bank kredit kartasini hatto so‘ramaganlarga ham taklif qiladi? Ko‘pchilik bunday takliflarni oddiy reklama deb biladi. Lekin ko‘pincha bank ularni mijozni ichki baholash asosida shakllantiradi. Agar siz bank xizmatlaridan muntazam foydalansangiz, kartangizga oylik maosh olsangiz, kreditlarni o‘z vaqtida so‘ndirsangiz va to‘lovlarni kechiktirmasangiz, bank sizni ishonchli qarz oluvchi deb topib, kredit …
👍1
Moliyaviy tarixingizdagi nima bankni diqqatini torttirishi mumkin? Bank kredit arizasini ko‘rib chiqayotganda, nafaqat daromadingizni, balki moliyaviy tarixingizni ham baholaydi. Ya’ni, ilgari kreditlardan qanday foydalanganingiz va o‘z majburiyatlaringizni qay darajada bajarganingiz ham kam ahamiyatga ega emas. Bankning qaroriga turli omillar ta’sir qilishi mumkin: o‘tgan kreditlar bo‘yicha muntazam kechiktirishla…
❤1
Showing the 12 most recent of 20 posts we hold for @finkouz. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.
A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 28 August 2026 — this entry's latest reading, not the date you are reading this.
“FINKO - Moliyaviy marketpleys” (@finkouz), 498 subscribers as measured 28 August 2026. Telegram Register, tgregister.com/channel/finkouz.
Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.