Journal of International Economics Research JIER 3070-5665 10.54216/JIER https://www.americaspg.com/journals/show/4281 2025 2025 Master’s Student, Department of World Economy, Tashkent State University of Economics, Tashkent, Uzbekistan Abrorkhuja Abrorkhuja This paper investigates the relationship between the emigration of less-educated individuals from Uzbekistan and its effects on regional capital flows, educational disparities, and the potential for local economic resilience. Using panel data from 2010 to 2023 across Uzbekistan’s regions, the study examines how remittances, banking accessibility, and the share of uneducated emigrants influence regional education expenditures and gaps. Findings suggest that while remittances partially mitigate the adverse effects of human capital loss, regions with higher shares of uneducated emigrants experience slower educational development, widening disparities. Policy interventions focused on collaborative approaches between local governments, financial institutions, and civil society are proposed to harness remittance flows and enhance financial inclusion, ultimately fostering economic resilience and reducing educational inequalities. 2026 2026 23 27 10.54216/JIER.030104 https://www.americaspg.com/articleinfo/42/show/4281