THE LOAN PROGRAM FOR IMPROVING ENERGY EFFICIENCY IN  HOUSEHOLDS: ANALYSIS AND PERSPECTIVES

Milena Nikolić

doi:10.59864/Oditor22502MN

Autori

Milena Nikolić Univerzitet Singidunum Beograd, Srbija Author

DOI:

https://doi.org/10.59864/Oditor22502MN

Ključne reči:

kreditne linije, zelene finansije, energetska efikasnost, domaćinstva, Zapadni Balkan

Apstrakt

Usled nedostatka finansijskih sredstava i visokih početnih troškova investicije u energetski efikasnu tehnologiju značajni potencijali za uštedu energije u domaćinstvima se ne koriste. Za prevazilaženje finansijskih prepreka u bankocentričnim finansijskim sistemima ključni su krediti za energetsku efikasnost domaćinstva. U radu se analizira korišćenje ovih kredita u zemljama Zapadnog Balkana i razmatraju primeri uspešne prakse sa ciljem utvrđivanja mogućnosti za unapređenje programa za zeleno finansiranje i energetske efikasnosti domaćinstava. Primeri uspešne prakse u domaćinstvima analizirani su korišćenjem metode studija slučaja, analize sadržaja i metode komparacije. Rezultati istraživanja pokazuju da su krediti za energetsku efikasnost i podsticaji Evropske unije motivisali domaćinstva da koriste energetski efikasne tehnologije. Inovativne tehnologije omogućile su uštedu energije, finansijske uštede i smanjenje emisije ugljen-dioksida (CO₂).

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