***
Why do people die as volume and not as emptiness? Why doesn't your dead body disappear when you're gone?

Why does the cemetery boast of its crosses and flowers cannot live without a mourning ribbon?

Agony is a very simple word. The word death is an even simpler word. It is better to remain silent like proud trees. It is better to drink silence like birds. It's better to move through the air like words. It's better not to live in a cage.

On a cast-iron evening, death knocked on the bird's temple with metallic softness instead of fingers.

The night never ends anywhere. There are only two of us: me and death. I am always alone. Conscious death does not exist: however, as well as conscious life.

***
Baby rabbits breathe without air
Baby rabbits don't breathe without their mother
Baby rabbits don't breathe when separated from their mother

Our banner is a torn uterus and a black vagina
Our anthem is dresses for daughters and guns for sons
Our home is death temporarily passing by
Our home is grass our home is bloody glass

Sour cream animals freeze outside the belly
Tin animals freeze without feeling warm
Each of us is a rabbit driven into a cage of life

***
the cast-iron frogs 
in the wooden pond hardened at the
beginning of winter

***
the green wall of the garden 
is thrown open

sick hands reach 
for the dead foliage

***
the forest is silence for the deaf
the forest is a cry for the wild
winter comes for everyone the same

***
the hand of the tree trembles in the wind
autumn will not give alms to anyone

no one was born in the cemetery except grass

***
the staircase on which the baby goes to the coffin constantly staggers

who will fire the tax on air and thoughts?
when the lights are off, we swallow black snowflakes

the child approaches his parents and whispers like a baby from the icon
no one will rise again nobody

***
rabbits knock on the heart
knock knock knock it's a carpenter

a coffin appears from under the table
we are all born stolen

scarabs of minutes are bursting at the seams
crunchy leaves sigh underfoot

what should we do?

***
gray sky peeking through the windows
if autumn were a person
she would hang herself

***
Saliva of time
The future is a spit

***
butterflies without a net
trees without rustling
summer is the song of calm

***
satiated water drips from the sky
autumn bison dissolves in falling leaves

***
remnants of sweat on the lips
a kiss is a bodily thirst
summer licks us with boiling water

***
spring thunder has receded
morning shelling began

***
display case with pork chop
refrigerator with human meat
long-awaited meet

***
nothing belongs to man 
except old age

autumn oak tree boasts 
fallen leaves

Reprint by Coalition for digital narratives

***
the poet is a lamb drinking water
the wolf is a poem that eats us

poems drown with us in sugar water
the river of time moves towards uncertainty

Reprint by Setu

***
the dead hare is forever
related to the grass

snow covers everything
with a blanket

Reprint by Setu

***
for the first and last time
I’m dying and you still don’t love me

the city is divided into two parts:

in the first part you kiss lovers and hang out with friends
in the second part there is a cemetery

Reprint by Setu

Through the lonely roads 



My heart flickers like a light bulb

The pain strikes in voltages

My blood runs completely cold,

As i look into the palms of death with empty eyes

With smeared ghosts of human imprints

Just a few o'clocks from midnight

And a few still till the beauty of the heavens rises



I've motioned fiercely,

On the deadly roads of gruesome art,

Spills of blood from rage and tears from empathy

Mourning songs from the night creatures

And exotic smells from nature



Flooded with the overwhelming need to run panic stricken

Like a frightened deer, so afraid

My feet glue to the ground

My heart flickers even more, startled

And i feel my hairs stand on end

holding erect until i let out a scream



Do i give up? Do i not ?

My memories all are labyrinths

I do not seem to find an escape

I nip at a canteen of courage and tell myself not to panic

Will i not?

Perhaps i said i was a woman too quickly,

Because i feel like a little girl



As the sun slips into the afternoon sky,

I keep telling myself not to panic

But i begin to shout but my own voice mocks me

In echoes bouncing off the walls of this dungeon that surrounds me

Just another series of fraught shouts, bringing nothing but my echo



My cries, my screams, my fear

They don't make me

Though sheer the climb is, hands, feet, like claws
 
I will work my way up like a spider

The sound of my own breathing and grunting is so loud it startles me




Ayanda Edna Dlanga is a young poet with a dream of becoming an acclaimed author. Fueled with a lifelong love for storytelling and expressing emotions as they are. 

DREAM
 With a bunch of lost images
 They don't say anything anymore...
 DREAM
 With verses from other times
 May they appear suddenly
 Lights that illuminated
 my times of youth
 DREAM
 In vain; trying to recover
 sparkles that the water crystallized
 in scattered reflections..
 DREAM
 With a diluted history
 in the air
 with similar gesture
  to the absence
 DREAM
 With a swan with blue feathers
 An unchained elephant
 A jungle full of fruits
 Before the extermination comes.
 DREAM
  With a place for voices
  old
 who fled behind the walls
 DREAM
 With lovers
 they invent poems with life
 DREAM
 Detached from the cluster of clumsiness
 ESCAPE
 Of the shadows and everything
 what doesn't taste like tenderness
 DREAM
 With eager eyes
 Astonished
 The only ones with whom you will read these verses

 

Speakers in S. Rupsha Mitra’s Smoked Frames submerge themselves into intense experiences, questing to understand their true selves beneath waves of devotion. 


The collection begins with journeys into the physical and emotional self, where we “dream the fetish, to be wholesome, to grasp things together, piecemeal, not smitten by delirium or defences” (Self-Portrait As Navigating Consciousness). Others among the first few pieces explore the heady energy of youth (Springs) and the awkwardness we often feel within our physical bodies (Alien Skin). Mitra finds a sense of peace within her body with time, though, comparing the experience to taking comfort from a religious practice. She becomes able to accept and integrate her body into her whole being.  


Later, Mitra depicts mermaids as mythologized in various global cultures. Usually half woman and half sea creature, a mermaid straddles (or swims across) the two worlds, and so to be at home in and proud of one’s mermaid existence means being content as a hybrid who defies easy categorization. And Mitra’s mermaids are strong, lively, and confident: Suvanamachha, the Asian Mermaid enjoys pure love with the god Hanuman and blesses the entire world, while Melusine, the European Medieval Mermaid has “free pinions of pride” and “breathes of emancipation.” 


The poems following delve within the intricacies of the body and its nervous system, the physical underpinnings of our experience of the world. In "Knowledge of the Body", the speaker reflects that she has wronged her physical self through being overly critical and now wishes to “to strip the skin off the ribs  and peer at its striking beginnings” and “flourish in this writhing extravagance.” She later applies this deep curiosity to psychology as well in "The Gestalt of Memory" and in "Defence Mechanisms", where she speculates on the workings of the ego she has sought to transcend. 


Within the book’s final section, Mitra’s speakers journey to sites of historical and religious significance in India and engage in more traditional religious practices. We reflect on the goddess of wisdom, Saraswati, during a puja ceremony, and enter the golden temple of Amritsar, shoes off out of respect. Yet this section also includes the speakers’ personal and family memories and heritage. In Lost in Murshidabad, she listens again to her parents’ recounting of their love story: “an unconditional love that embalms us in the midst of history.” In A Return at Saraswati Pujo, she recollects an argument that became very vulgar before apologies and resolution, but her anger dissipates as she observes sunlight and is “forced to admit that the world is very beautiful.”  


The titular piece, “Smoked Frames” resides near the end of the collection, among these remembrances of cultural and personal history. It deals with framed photographs, so many and so old that they have been put away in drawers and the exact moment of each scene forgotten. Mitra transcends the personal here and moves to a broader meditation on where and how we will find truth: “would it come as a mystic in orange robes…or as the mad whirlwind of samsara? … or as emancipation from wild enjambments?” 

She speculates on the divine being “distant yet so close, quite near, within me, (yet unseen within)” in an echo that calls back to the prior pieces on probing the interior of our bodies and the depths of our feelings and psychology. Once again, she is seeking out her truest fundamental self by embracing and accepting the mystery of everything she sees and experiences. 

S.Rupsha Mitra’s Smoked Frames collection offers us heady thoughts and reflections through the elevated languages of science, courtly romance, and spirituality. The poems become meditations on the search for how to love ourselves and each other through seeking out and understanding ourselves. 

S. Rupsha Mitra's Smoked Frames can be ordered here. 

A book is a world seen through a person

In order to reach maturity, one must first think about the purity of the heart. Purity of heart is achieved only when the heart seeks the truth and the soul strives for enlightenment. All this depends on true knowledge. It is clear as day that there is a very strong meaning behind these thoughts expressed by Confucius. Reading a book beautifies a person’s heart and fills his soul with spiritual nourishment. One of my favorite places is the library. I like books. When I see them, I calm down a lot, my soul finds comfort. Those who aim for the development and intellectual growth of our society should definitely read the book. Everyone should be able to properly assess their interests, think about what kind of books they like, what kind of works they enjoy reading. If you read books, you will become stronger than others. What do you say? No one can defeat you if you have a strong spirit. Strength in the body will eventually run out, that’s for sure, but no one can take away the strength in the spirit. Pay attention, look around you, in this world, whoever believes in his physical strength, who relies on his bravery, begins to lose strength over time. As for the soul, it is getting stronger, growing and developing.

I realized this when I was a child. The fairy tales and stories told by my mother made me free, and my love for books and learning increased. My mother, who supervised my reading every day, listened to my thoughts and communicated freely with me. Every day I studied a new topic and told my mother about it. I would like them to hold an umbrella of answers in the rain of questions without asking why and why. When I was in the 1st grade, I heard the condition set by our librarian to recite 40 proverbs on the New Year’s holiday. Everyone was surprised, whispering in my ears that this girl was memorizing. I gathered my thoughts and started to say, look, I surprised everyone with 42 proverbs. Then our librarian congratulated and said who can say more proverbs than this girl? They asked a question. But no one could do it. All teachers envy me now. That day, I returned home happy after receiving a New Year’s gift from our receptionist. I still remember my childhood with sweet memories.

This is where my enthusiasm, the love of my father, the trust of my father, the recognition of my teachers, and the respect of my loved ones come from. I have loved the library since I was a child. We are moving step by step over time, and in the blink of an eye, we completed the 3rd stage. Now it was time for practice. Before us, the practice was spent in publishing houses, but we were sent to the library. We were sent to my favorite place… the newly opened library in our district. I came and looked around with special affection. The books seemed to shine on the shelves. I don’t know about anyone else, but I really like going to the library. I would like to express my gratitude to Sister Zulkhumor and Sister Saida, who gave me the first ideas about special books in the library. We organized an interesting art party at this location the very week we arrived. We told the children about Cholpon’s art, performances, and interesting facts. The students of Barkamol Avlod organization returned home with a lot of necessary information. In general, we came to this place with our fellow students every day and read our favorite books.

There are misunderstandings that happen everywhere, but we got out of them. We worked on new projects, came up with new ideas for the little ones. I love our new library in Yangibozor district, I have a different love for the books that are being picked from the high shelves, as if they are telling me about secrets and giving me news. For a little girl who never gets tired of learning new things, internship in this place was a very interesting activity. A book is a world seen through a person.

Mokhichekhra Rustamova

Uzbek language student at the Faculty of Philology of Urganch State University In 2022, she received the “For Services in the Field of Science” badge, and in 2023, actively participating in the international festival, she became the owner of the “Scientific Researcher” badge. In 2023, the owner of the “Hokim Scholarship”, the winner of the republican stage of the “Zomin Seminar-2022” of republican artists, an official member of many international organizations. She has four authored books, her articles and creative works have been published in international magazines and newspapers.

A FLOWER THAT FALLS TO HELL

 In this story, I want to tell how a young bride really lives in life. All I write are events that happen in life. The events are told in the native language of the hero of the work. I hope you can draw your own conclusions from this story:

 "I, daughter of Komila Husan (name changed), was born in 2000 in the city of Urganch, Khorezm region. My dreams were one world. When I graduated from college and was just getting ready to study at a higher education institution, suitors started pouring into our house.
 One of the suitors was my mother's relative. Mom and Dad:

 - Our daughter is still young, we want to educate her. Despite the fact that it is too early for her to get married, my mother's relative continued to come.

 Then he visited my grandfather and grandmother again and again. Then my grandfather and grandmother called my mother and father:
 - Come on, what did you decide? - they said.
 Among the relatives who came, there was my mother's uncle and a new one. My mother is:

 - What to do if I don't know... What do you say? he said.
 - They are our relatives, bad people do not eat. Decide for yourselves, there is a fire with your uncle in the middle. "We believe them," said my grandfather.

  That's all, our wedding took place on July 10, 2020. After the wedding, I felt that my dreams were shattered. We did not live well for a single day. My husband started abusing me the day after the wedding.
 Thinking that this is how life will be, I lived for a while without telling my parents. During this period, I found out that I was pregnant. Even though my husband knew that I was pregnant, he continued to abuse me. He did not call my parents or relatives.

 If you live with me, you will lose contact with your relatives. When my mother or my brother called, he would raise his voice and hide beside me. After I finished talking, he would have a big fight.
 When my mother came home to visit my husband, even though he was at work, he quickly found the news and called:

 - Don't sit next to your moon! He will talk to you! - he was tormenting.
 He shot my mother-in-law with his mother. I left his food and left. I didn't know how to convey my inner pain to my son. In the end, I couldn't bear these oppressions, and I tried to convey to my son how I was living my life through a letter.

 What kind of life is this, what kind of time is this, even though I am a young bride, I have no problems left. My husband used to come home from work and punish me by making me stand in the corner of our room until morning, despite my pregnancy.

 My mother-in-law and father-in-law were also oppressive. My mother-in-law immediately called my husband and called me when I said that I would take a break from my work. My mother-in-law would go to work depending on when her son came home from work. At the same time, he treated me badly.

 My mother-in-law and father-in-law have a lot to contribute to our miserable life. There was not a single day that I was not beaten. I missed my grandfather, my grandmother, my sister, my brother, and my relatives so much that I couldn't even make a phone call to anyone.
  I lived in longing. Meanwhile, our daughter was born.
 "We had a child, now our life will follow," I thought. But my husband and mother-in-law continued to oppress. Every day I pray to God, cry and ask for help.

 - Oh God, give justice to my husband, my mother-in-law, my father-in-law! May our life be good, I pray. I want to convey this pain in my heart to everyone.
 - When marrying your daughter, give her all the money. Iloya, don't let the days that happened to me happen to other girls.

 I used to convey these things to my mother through a letter. Mom and Dad:
 - Be patient, my daughter! They say that the bottom of patience is yellow gold. "Everything will be fine," they said. I don't know how much longer I can endure this oppression. I pray to God.

 I was very happy when my daughter was born. I felt a mother's love when I held her in my arms. I thought that our lives would be traced after he was born. I have made a mistake. Have you ever seen such cruelty? They didn't even let me see my little girl while living under the same roof. My daughter was deprived of breast milk. He feeds with additional milk, but now he does not drink breast milk. Drinks only extra milk.

 I miss my daughter. My heart bleeds when she cries. My mother-in-law does not give my child to me, but takes her with her. And I miss my little girl without sleeping.
 On the one hand, my husband's oppression, and on the other hand, my mother-in-law's suffering, which she is not giving me my daughter, have killed my hope to live in life..."

 At Komila's request, I wrote down this story. So that, after hearing about this incident, the parents would not be indifferent to the decision of their fate.

THE ROLE OF DIGITAL INFORMATION TECHNOLOGIES IN THE IMPLEMENTATION OF CASHLESS PLASTIC CARDS IN BANKS

Lapasova is the daughter of Marguba Zakir
Student of the Jizzakh branch of the National University of Uzbekistan
lapasovamarguba04@gmail.com 
Phone: (90)-488-76-70

Abstract: The article contains a number of points regarding the analysis of the implementation of cashless settlements in commercial banks of Uzbekistan. 
Keywords: Plastic cards, digital technologies, mobile banking, SMS-banking, Bank-Client, retail banking services, banking system.
Enter. Currently, the process of opening plastic cards to customers is quickly prepared by commercial banks in our country through modern (EISA) programs.

The main part. In the conditions of financial globalization, the competition between banks to attract large corporate clients has increased, and the market of banking services in Uzbekistan is becoming one of the promising areas of ensuring bank income and competitiveness. At the moment, retail services occupy a special place in the market of banking services, and they are mainly aimed at satisfying the population's demand for financial and banking services. It is known that retail banking services are distinguished by a number of features, in particular, individuals are the main consumers, although the volume of transactions is small, the costs are higher compared to corporate banking services, and the services are aimed at meeting personal requirements. The President of the Republic of Uzbekistan Shavkat Mirziyoyev Miromonovich stated in his address to the Oliy Majlis that "wide implementation of digital technologies in the activities of banks will be in the center of our attention." The volume of retail banking services provided by commercial banks of our Republic is increasing year by year. The number of deposits intended for the population is increasing, the volume of operations with plastic cards is increasing, the practice of issuing consumer and mortgage loans is improving.

Resolution 2751 of the President of the Republic of Uzbekistan dated February 2, 2017 "to further encourage the development of the cashless settlement system, to meet the demands for plastic cards, terminals and related equipment, as well as non-bank transfer of funds special attention is focused on reducing turnover
of the President of the Republic of Uzbekistan " On additional measures for the further development of the cashless payment system based on plastic cards " No. PQ-433 of August 3, 2006 is provided at the beginning of the second letter of paragraph 1 to extend the period of validity of customs privileges until January 1, 2020.

Bank microprocessor plastic cards, manufacturers of payment terminals, processing centers of retail payment systems are effective from imported raw materials, consumables and components, software tools and licenses for the production of plastic cards, terminals, ATMs, infokiosks and other equipment. and ensure strictly targeted use and calculations by means of these, and in the future their production should be localized.

Also, the regulations on non-cash payments in the Republic of Uzbekistan, the Civil Code of the Republic of Uzbekistan, "On the Central Bank of the Republic of Uzbekistan", "On Banks and Banking Activities" and in accordance with the laws "On Payments and Payment Systems" in the Republic of Uzbekistan, the procedure for making cashless settlements of legal entities and individuals using payment documents is established. One of the most widely used types of retail banking services today is plastic card services. Plastic cards have their advantages for banks and citizens. Also, today, making payments for various products and services through the Internet and electronic systems is becoming more and more sophisticated. The widespread use of plastic cards and mobile communication is creating the basis for the development of the sector. In particular, the use of information and communication technologies in areas such as consumer credit, remittances, and deposit operations is at an initial stage. It is also important to study foreign experience in further expansion of plastic card services. Looking at the foreign experience of plastic card services. This type of payment has been used in the Australian banking and financial system for more than twenty years. 

Over the past years, a lot of experience has been accumulated in this regard. Innovative ideas were introduced to the industry. As of today, the number of plastic cards in circulation is 6 per person. 6 issued plastic cards for each working population corresponds to ta. Credit cards are used within the specified limit, and the debt incurred through the plastic card is returned to the customer within a convenient time. International "Visa", "MasterCard" and "American Express" bank credit cards are mainly used in Australia. In recent years, as a result of the decrease in the demand for cash and the expansion of cashless payments, the number of payment terminals installed in sales and service outlets in the country is increasing significantly. In our country, as a result of the development of the settlement system through plastic cards, the demand for cash is decreasing year by year. In particular, in comparison to 2018-2019, there is an increase in the number of people carrying out operations and sales through bank plastic cards.

Summary. The development of bank card transactions, the possibility of introducing a scoring credit system, the gradual development of services such as "internet-banking", "mobile-banking", "SMS-banking", and the improvement of services such as money transfers and electronic payment in our republic determines the prospects for the development of retail banking services.

Useful literature:
1. "Economy and innovative technologies" scientific electronic magazine. No. 1, January-February , 2014
2. Decree of the President of the Republic of Uzbekistan on the strategy of actions for the development of the Republic of Uzbekistan in 2017-2021
3. Bekchanov M., Abdurakhmanov R. Plastic card - a modern means of settlement. // Market, Money and Credit. No. 9. 2012.B.14
4. Abduvakhidov F. Accounting in commercial banks./ Study manual. - T.: "ECONOMY-FINANCE", 2012 - y.