WALKING AWAY FROM MY DREAMS!

I keep on hearing what I never said

Without reasons I am weaving dreams

Know not whose evil eyes have caught me

No place for me in this city any more

Walking away from my dreams I suffer

The pain now is more than it used to be before

I once again make a promise to myself

May the silent gaze remain speechless

My lips do always tremble while talking

Inexpressible are the secrets of the heart 

I am on a journey without any companion

I kept on going far and near

Once again she comes into my sight

The smoke from past still pricks my eyes

Why the same world is forming again 

Far from my reach, beyond my knowing.

 WORDS IN MY HEART!

I am waiting for your benign glance

Though I am sitting through dreams

While the night remains restless

The words in my heart escape from lips

How many nights I‘ll awake like this

My heart‘ll be content with this thought

That my well-being ‘ll become yours 

As the restful night ‘ll remain restless 

I am still waiting for your benign glance.

 THE SIMPLE CONFESSION!

I have been waiting for you for long

The night is picking up the dreams

How long I should hold on to both lips

The words my heart wishes to speak

How many sleepless nights I shall pass

Before I do place the simple confession

I like you and I do love you the most

My heart will be pleased with the thought

Finally, I wonder if you feel the way I feel

So restless is the night of tranquility 

I have been waiting for you for long.

 AS A MUTE WITNESS!

My heart lets me move elsewhere 

Woes of world have filled my soul 

Looks for me now here and there 

Where no one is battered by woes

Sans twinkling stars of false hopes

What use of autumns for me now

Which freeze the buds of my soul

Which renew all of my old wounds

Some do shed their genuine tears

Some flee turning face in despair

Someone’s world is badly looted

The earth as a mute witness stands 

The ruthless sky too maintains silence.

Sahitya Ratnakar Dr Prasana Kumar Dalai.

(DOB 07/06/1973) is a passionate Indian Author-cum- bilingual poet while a tremendous Asst Professor of English by profession in the Ganjam district of Odisha.He is an accomplished source of inspiration for young generation of India .His free verse on Romantic and melancholic poems appreciated by everyone. He belongs to a small typical village Nandiagada of Ganjam District,the state of Odisha.After schooling he studied intermediate and Graduated In Kabisurjya Baladev vigyan Mahavidyalaya then M A in English from Berhampur University PhD in language and literature and D.litt from Colombian poetic house from South America.

He promotes his specific writings around the world literature and trades with multiple stems that are related to current issues based on his observation and experiences that needs urgent attention. He is an award-winning writer who has achieved various laurels from the circle of writing worldwide. His free verse poems not only inspire young readers but also the ready of current time. His poetic symbol is right now inspiring others, some of which are appreciated by laurels of India and across the world. Many of his poems been translated in different Indian languages and got global appreciation. Lots of well wishes for his upcoming writings and success in future.

He is an award-winning poet author of many best seller books. Recently he is awarded Rabindra nath Tagore and Gujarat Sahitya Academy for the year 2022 from Motivational Strips . Jaidev Puraskar from Kavita Minar Badamba Cuttack A gold medal from world union of poets France & winner Of Rahim Karims world literary prize 2023.The government of Odisha Higher Education Department appointed him as a president to Governing body of Padmashree Dr Ghanashyam Mishra Sanskrit Degree College, Kabisurjyanagar. Winner of ” HYPERPOEM ” GUNIESS WORLD RECORD 2023.Recently he was awarded from SABDA literary Festival at Assam. Highest literary honour from Peru contributing world literature 2024.Prestigious Cesar Vellejo award 2024 & Highest literary honour from Peru. Director at Samrat Educational charitable Trust Berhampur, Ganjam Odisha.

Vicedomini of world union of poets Italy. UHE awarded him prestigious Golden Eagle award for the contribution of world literature 2025.

Completed 257 Epistolary poetry with Kristy Raines USA.

Bharat Seva Ratna National award 2025, International Glory award from Manam Foundation Hyderabad Telengana. On the eve of 79 Independence Day got Rashtra Ratna award & Maa Bharati seva Sammana. 2025.Received Doctorate in Humanity and literature from Theophany university Haiti with UNESCO, AEADO and leaders of autonomy international. The prince of Crimea and the Golden Horde from the house of Genghis Khan given prestigious “Honorary Bey”

Received Sahitya Ratnakar from New Delhi 2025, Honorary Doctorate from RMF University collaborated with east and west university Florida United States Of America on the eve of International Peace Day. Prestigious THE CONDOR OF ANDES from UHE Mexico 2025. PRESTIGIOUS DOCTORATE from VICTORIA UNIVERSITY OF CULTURE AND WORLD PEACE 2025. Nominated for Padmashree 2025. Three-time Gold from the world Union of Poets France. Doctorate from Theophany university Haiti contribution for the world literature 2025.Conferred title SAHITYA RATNAKAR from New Delhi.Dr Mayadhar Mansigh Saraswat Samman 2025.Doctorate in Gandhian Philosophy,Peace and Humanity 2025.

Doctorate from VICTORIA University for peace 2026.UHE of Peru appointed as a world ambassador for the peace and justice 2026.Valiant of Nation award 2026 on the eve of Subash Chandra Bose 129 birth anniversary.

INTERNATIONAL BOOKS

1.Psalm of the Soul, 2. Rise of New Dawn, 3. Secret Of Torment, 4.Everything I Never Told You.,5.Vision Of Life National Library Kolkata, 6.100 Shadows of Dream, 7.Timeless Anguish, 8. Voice of Silence, 9.I Cross my Heart from East to West, and epistolary poetry with Kristy Raines, published in USA.

LOVE SONG IN SPRING

Sun in the morning, rain in the afternoon

This is how you are to me this day

Here you play, there you frown,

What will you do to me, every time I do to you?!

Silent with words, speaks with looks

You become shy because of my shyness!

I feel your breath, where are you, why

I will abandon myself to come there

A white flame leads us on the path

We come…it leaves…We go…it burns us

Something of me burned to ashes

Coal to write what we haven’t said

I descend from the depths, you descend from the trees

Shake on the edge of the abyss, you will scare me

We stand in silence and cry without tears

I can’t stay with you, I can’t do without you

The flame of lightning ignites in the rain

And the embers of longing bring tears to my eyes

Sun in the morning

Rain in the afternoon…

TIME OF DECAY

You tell me: The world went to hell

When the wolf under the lamb’s skin started laughing

And the rabbit hid in a turtle shell…

Since the hawk became a dove

And the snake learned to make eel-like coquetry 

Since then…(always according to you)

The devil took man for granted!

It’s not true…

Deterioration began in that world when people

Learned to change their skin every day

Animals imitated them as always.

The secret of success

In this cruel, testing world, there is a person who wants to be successful. Strives for success. He chases after him. Some successful people claim that there are several secrets to achieving it. I think it’s better to have some understanding of success before learning those secrets. So, what is success? How is it achieved? What are its benefits and harm to humans? Can everyone achieve it? Yes, we often hear this word. What everyone wants is success! Success is stumbling forward in the midst of failure. Success is not what you have, but who you are.

Success is a very abstract term in itself, because by definition, success is the happy outcome of an action that ends positively. However, success can come in different ways for each person. For some, success means getting ahead of others in studies, research, for some people it means reaching a certain position in their career, for others it means building long-term influential relationships, even for some, success is the sum of all of the above.

Success is a multi-faceted phenomenon that covers all areas of our life, be it family, work, studies, financial status, physical condition, spiritual development. There is probably no person in this world who does not want to be a successful person. When a person comes into the world, he first struggles to live, then he begins to struggle to eat, and as he grows up, he strives to be more successful than others. So how to achieve it?

First of all, in order to achieve success, a person must be knowledgeable, because knowledge is the key to success. That’s why you should never stop learning. Secondly, every person who embarks on this path must work diligently. One of the ways to success is to move away from uniformity and the same ideas and come up with different ideas. Do not force yourself to do something but do what you love. Only then will you achieve success sooner. That is, the more love you give to the work you are starting, the faster you will reach the door of success.

Regardless, success is a matter and product of effort, struggle, motivation and hard work. So, if you have chosen to be successful, go for it with diligence and risk and never turn back. Remember, it is not easy to become a successful person, but if you achieve this position, then your life will be easier. Therefore, never stop studying, trying and taking risks. Do not despair, because the paths you are taking have been taken by others before you, and it is not impossible. Always strive for the future, forget the past and live with the future. This will be both motivation and a great lesson for you. This will help you achieve success.

Sherova Orzigul

Student of a master’s degree at Webster University in Tashkent.  Young and talented poetess. Owner of a lot of beautiful poems, articles, stories, and anthologies. Author of some poetic books that were published on online international websites. Most of her works were translated into some languages, such as German, Korean, Arabic, French, Turkish, and Italian.  She is a winner of a lot of poetic competitions. 

Overcast

overcast winter day, not much of a day but the sun tried to peak out here and there, if faintly, from the otherwise opaque firmament. walk and walk though. bushes and trees, many branches barren for the season, paired down to their essence. life a bit like some part of a dream. ridge and hill. ah bleak winter one must shrug and sigh and smile against your saturnine countenance. 

Improving Deposit Mobilization Policies in Commercial Banks

Second-year student of Karshi State Technical University, Eshmurodova Sevinch

Abstract: This article examines the role and importance of deposit
mobilization policies in commercial banks and their impact on
financial stability and economic development. In modern banking
systems, deposits are the primary source of funds used for lending and investment activities. Therefore, effective deposit mobilization is
crucial for ensuring liquidity, profitability, and sustainability of
banks. The study analyzes the current trends in deposit collection,
the challenges faced by commercial banks, and the strategies that can be used to improve depositor confidence and attract long-term savings.

Special attention is given to the relevance of digital banking,
interest rate policies, and customer-oriented services in
strengthening deposit growth. The article also proposes policy
recommendations to enhance deposit mobilization in developing banking systems.

Keywords: Deposit mobilization, commercial banks, savings, financial
stability, banking policy, customer trust, digital banking

Introduction

Deposits play a fundamental role in the functioning of commercial
banks. They represent the main source of financial resources that
banks use to provide loans, make investments, and support economic activity. A stable and growing deposit base enables banks to maintain liquidity, manage risks, and expand their operations. In many developing economies, strengthening deposit mobilization has become one of the key objectives of banking sector reforms.

In recent years, financial markets have become more competitive and technologically advanced. Customers now have more choices and higher expectations regarding the quality, speed, and safety of banking services. As a result, commercial banks must continuously improve their deposit mobilization policies to attract and retain customers.

This includes offering attractive interest rates, reliable digital
platforms, and customer-friendly services.

The purpose of this article is to analyze how commercial banks can
improve their deposit mobilization policies in order to enhance
financial stability and support economic growth.

Main Body

       1. The Economic Role of Bank Deposits

Bank deposits are essential for the efficient functioning of the
financial system. They provide banks with low-cost and relatively
stable funding, which is used to finance households, businesses, and
government projects. A strong deposit base allows banks to reduce
their dependence on external borrowing and minimize liquidity risks.

From a macroeconomic perspective, deposits help channel idle savings into productive investments. When individuals and firms deposit their money in banks, these funds become available for lending and contribute to economic development. Therefore, increasing the volume and stability of deposits is not only important for banks but also for the overall economy.

2. Factors Affecting Deposit Mobilization

Several factors influence the ability of commercial banks to attract
deposits. One of the most important factors is trust. Depositors must
feel confident that their money is safe and easily accessible.
Political stability, sound regulation, and effective supervision all
contribute to building this trust.

Interest rates also play a significant role. Higher deposit rates
encourage people to save more, while lower rates may lead them to seek alternative investment options. In addition, service quality, branch networks, and digital banking platforms influence customers’ decisions to choose a particular bank.

3. The Role of Digital Banking in Deposit Growth

Digital banking has become a powerful tool for deposit mobilization.
Online and mobile banking services make it easier for customers to
open accounts, transfer funds, and manage their savings. This
convenience increases customer satisfaction and encourages people to keep more money in the banking system.

Furthermore, digital platforms allow banks to reach a wider
population, including young people and residents of remote areas. By
offering innovative digital products such as mobile wallets and online
savings accounts, banks can attract new depositors and strengthen
financial inclusion.

4. Challenges in Deposit Mobilization

Despite its importance, deposit mobilization faces several challenges. Inflation, low income levels, and economic uncertainty can reduce people’s willingness to save. In addition, competition from non-bank financial institutions and informal savings channels may divert funds away from the banking system.

Another challenge is the lack of financial literacy. Many individuals
do not fully understand the benefits of saving in banks or are
unfamiliar with available financial products. This limits the growth
of deposits and reduces the effectiveness of banking policies.

5. Strategies for Improving Deposit Mobilization

To improve deposit mobilization, commercial banks should focus on
building customer trust, enhancing service quality, and promoting
financial literacy. Offering transparent terms, reliable customer
support, and secure digital platforms can significantly increase
depositor confidence.

Banks should also design diverse savings products tailored to
different customer needs, such as long-term deposits, youth savings
accounts, and flexible withdrawal options. In addition, cooperation
with government and educational institutions can help raise awareness about the importance of saving and using formal financial services.

Conclusion

Improving deposit mobilization policies is a critical task for
commercial banks in today’s competitive and dynamic financial
environment. A strong and stable deposit base enhances bank liquidity, reduces risks, and supports economic growth. By adopting modern technologies, customer-oriented strategies, and effective regulatory frameworks, banks can attract more deposits and contribute to the development of a resilient financial system.

In the long run, successful deposit mobilization will not only
strengthen individual banks but also promote financial stability and
sustainable economic development.

References

1. Mishkin, F. S. The Economics of Money, Banking and Financial Markets.

2. Gorton, G. Banking and Financial Intermediation.

3. World Bank Reports on Financial Sector Development.

4. International Monetary Fund (IMF) publications on banking stability.

5. Academic articles on deposit mobilization and banking performance.

Integration of Play and Arithmetic Activities in Preschool Education: Modernization of Curriculum and Pedagogical Practices

## Author Information

Barnoxon Baxtiyorjon Yoqubova — preschool education teacher and practical specialist in mental arithmetic. Research interests: attention development in children, cognitive growth, integration of play and arithmetic activities, and adaptation of pedagogical innovations to preschool education.

—

## Abstract

This article examines the integration of play and arithmetic activities in preschool education within the framework of curriculum modernization. The study is based on the author’s practical pedagogical experience and presents a step-by-step model that combines interactive play, arithmetic exercises, and attention development tasks. The approach aims to enhance cognitive competencies and readiness for primary education, reflecting both theoretical insights and innovative pedagogical practices.

Keywords: preschool education, curriculum modernization, play-based learning, arithmetic integration, cognitive development.

—

## Introduction

Modernization of preschool education involves updating teaching methods and curricular content to better support the development of children’s cognitive competencies. Integration of play and arithmetic activities provides an engaging way for children to develop attention, memory, and early numeracy skills.

## Theoretical Background

Play-based learning is widely recognized as an effective pedagogical strategy in early childhood education. Arithmetic exercises, when combined with play, enhance logical thinking and problem-solving abilities. Curriculum modernization allows these methods to be systematized into a coherent pedagogical framework.

## Methodology and Authorial Model

### Objectives:

* Integrate play and arithmetic activities into a structured curriculum.

* Promote cognitive and attention development in preschool children.

### Principles:

* Interactive and engaging learning experiences

* Step-by-step progression

* Adaptation to children’s age and developmental stage

* Integration of attention and arithmetic tasks

### Implementation Steps:

1. Initial attention and concentration exercises (5–10 minutes)

2. Simple arithmetic exercises integrated with play

3. Interactive game scenarios combining counting, role-play, and problem-solving

4. Reflection and reinforcement

### Expected Outcomes:

* Enhanced attention span and concentration

* Improved memory and logical thinking

* Development of basic numeracy skills

* Increased engagement and motivation

## Observations and Results

Application of this integrative approach in preschool settings showed measurable improvements in children’s attention, engagement, and early arithmetic skills. Teachers reported higher participation and enthusiasm during activities compared to conventional methods.

## Conclusion

The integrative model combining play and arithmetic activities provides an innovative and effective approach to preschool education modernization. It aligns theoretical knowledge with practical application, fostering cognitive and attentional development while preparing children for future learning.

## References

1. Vygotsky L.S. *Child Psychology and Pedagogical Theory*. Moscow: Pedagogika.

2. Piaget J. *The Intellectual Development of the Child*. Moscow: Progress.

3. Rubinshtein S.L. *Fundamentals of General Psychology*. Moscow.

4. Preschool Education Pedagogy. Textbook. Tashkent.

5. Author’s own pedagogical and practical experience.

## Plagiarism Statement

This article has been independently prepared by the author. The ideas, analyses, and conclusions presented are based on personal pedagogical experience and a review of general scientific literature. The text is original, has not been published elsewhere, and is free from plagiarism.

Yoqubova Barnoxon Baxtiyorjon qizi was born on June 2, 2002, in
Qo‘shtepa district of Fergana region. From 2020 to 2024, she studied
Preschool Education at Fergana State University. Since 2023, she has been working as a teacher at Preschool Educational Institution No. 28, where she has been contributing to the comprehensive development of children.

Grzegorz Wróblewski – Asemics from Amager Hospital 2026