THE PRACTICE OF "GREEN LOANS" IN UZBEKISTAN COMMERCIAL BANKS AND ITS ECONOMIC EFFICIENCY ON THE EXAMPLE OF FINANCING SOLAR PANELS
Abstract
This article analyzes the formation and economic efficiency of a new financial instrument offered by commercial banks in Uzbekistan — the practice of "green loans." Within the framework of the research, the payback period and profitability of loans allocated to the population and business entities for the purchase of solar photovoltaic stations (SPVS) were calculated. The analysis results indicate that government-provided subsidies and the electricity sold to the grid through the "Sunny Home" system significantly reduce the interest burden of green loans, thereby increasing their economic attractiveness.
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