This research addresses the issue of climate change, which is reshaping the economic landscape. The need to study household behavior in light of the global focus on environmental conservation laid the foundation for this research. The research aims to explore the relationship between innovative products and the credit behavior of households in the context of climate change. To test the hypothesis, the authors applied regression analysis, revealing a strong correlation between household borrowing and income, driven by high income sensitivity and minimal influence of the volume of innovative products, and observed abnormal changes in the mean annual air temperature on credit behavior. The research shows that the trajectory of economic development in resource-based economies is contingent upon the level of development of inclusive institutions. The analysis revealed that in the absence of strong institutions, there is less active adoption of ESG standards and a lower inclination among households toward environmental conservation. The key issue appears to be the limited acceptance of green technology culture by households in daily life. The subject matter sets the stage for further exploration of this topic, with a broad focus on Central Asian countries.