National Framework for Equitable Energy Finance: Integrating Green Banks, Community Capital, and Institutional Markets to Achieve Universal Access

Author(s)	Khalil Woli
Country	United States
Abstract	The rapid global shift toward renewable energy has intensified the need for financial systems that advance both decarbonization and social equity. Despite significant growth in green finance, access to affordable and inclusive energy investment remains uneven across communities, particularly those with low credit capacity or limited institutional presence. The study uses empirical and policy-based evidence to show how intentional governance, accountability, and transparency frameworks can help institutional investors, community-level finance, and governmental financial institutions coordinate in order to align with equality. The findings indicate that equitable energy finance depends on harmonized credit enhancement tools, interoperable data platforms, and standardized social-outcome metrics. The proposed framework, therefore, establishes a layered framework capable of mobilizing capital efficiently while ensuring that local ownership and distributive justice remain central to the national transition agenda.
Keywords	Green banks, Energy equity, Institutional investment, Community capital, National framework
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-23
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.59797

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