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A growing number of European countries have introduced zero-interest green loan (ZIGL) programs to encourage home energy retrofitting, often seen as one of the most cost-effective measures to reduce carbon dioxide emissions. of carbon. France took such an initiative in 2009 and its zero-rate Eco-loan program is now financed by sovereign green debt issued in 2017. However, while the government had initially planned to subsidize 400,000 ZIGL per year, only About 40,000 are actually issued. What explains such a dramatic underperformance of the program? Why do owners demand so little from ZIGL? Why do lenders seem reluctant to invite borrowers to apply? Our project aims to unravel the supply and demand barriers of ZIGL by applying state-of-the-art empirical methods.
Members :
AJA Pille-Riin, ERYZHENSKIY Ilya, GIRAUDET Louis-Gaëtan, SAADI Vahid, SEGU Mariona, VIVIER Lucas
