Sustainable credit
: integration of ESG principles in the grating of personal credit by UNICRE

  • Raquel Machado Santos Vicente Freire (Student)

Student thesis: Master's Thesis

Abstract

This dissertation focuses on the design and development of a new green credit product for renewable energies at UNICRE, with the aim of aligning financial solutions with ESG principles and supporting sustainability objectives. By analysing both a consumer survey structured based on the Theory of Planned Behaviour (TPB) and benchmarking, it was possible to identify the main characteristics that customers value and the factors that influence their decision to adopt the green credit product. Social influence and ease of use proved to be the main factors. Recommendations include using stories and partnerships to inspire trust, simplifying credit processes and transparently presenting the product's environmental benefits to improve UNICRE's market position.
Date of Award6 Feb 2025
Original languageEnglish
Awarding Institution
  • Universidade Católica Portuguesa
SupervisorRute Xavier (Supervisor)

Keywords

  • Green credit
  • Renewable energy
  • ESG principles
  • Subjective norms
  • Perceived behaviour control
  • Theory of planned behaviour

Designation

  • Mestrado em Gestão e Administração de Empresas (mestrado internacional)

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UN SDGs

This student thesis contributes to the following UN Sustainable Development Goals (SDGs)

  • SDG 7 - Affordable and Clean Energy
  • SDG 12 - Responsible Consumption and Production
  • SDG 13 - Climate Action

Links

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