that poses a challenge to bank managers like michael mÜller.his bank offers loans for climate protection measures. >> if people are only just making do with the money they have -- and are just managing to feed themselves -- then they're not going to be thinking about energy efficiency. but it's important to raise consciousness about it. >> and as an incentive, the credits come with lower interest rates than normal loans. the international climate initiative is providing 15 million euros in its energy efficiency loan program. the raiffeisen bank has disbursed nine million to its customers. the loans go to companies and building contractors. in this suburb of sarajevo, the money is being used to buy insulating materials for houses, or special insulating windows. two local residents have upgraded their home without a loan. they wanted more living comfort. >> when we still had the wood- burning stove we had to carry the wood in from outside. i had to clear out the ashes from the stove. that was a lot of work. and when we came home it took forever t