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Who applies for credit, who is credit constrained and who receives credit refusal in France? To address these questions and explore the determinants of certain household credit aspects in France, we exploit a unique dataset from the Household Finance and Consumption Survey (HFCS) led by European Central Bank (ECB).

The anonymized dataset we utilize is based on the third survey wave (2017) and includes 13,555 French households. More specifically, considering a large number of household variables, associated with dimensions such as demographics, employment, income, wealth, assets and expenditures, we estimate three logit regression models, attempting to capture the factors that determine the underlying behavior of households.

We find that variables such as age, education, housing status, employment situation, wealth and evolution of expenses, play a key role and enter with high statistical significance in the estimated models. Our results are consistent with the existing body of literature, also offering further implications about the research questions we pose. Finally, we provide an elaborate discussion which meticulously clarifies the qualitative dimension of our findings.

To the best of our knowledge, no studies appear in the international literature, focusing on household credit in France, utilizing original data from the ECB.

This paper brings insights from accounting scholarship to the measurement and reporting challenges of metagovernance approaches to sustainable development. Where scholarship on metagovernance—the combination of market, hierarchical and network governance—proposes deductive approaches to such challenges, we contend that a historically informed “abductive” approach offers valuable insight into the realpolitik of intergovernmental frameworks.

The paper adopts a Foucauldian “archaeological–genealogical” method to investigate the inclusion of climate change as a Sustainable Development Goal (SDG). It analyses more than 100 documents and texts, tracking the statement forms that crystallise prevailing truth claims across the development of climate and SDG metagovernance.

We show how the truth claims now enshrined in the Paris Agreement on Climate Change constrained the conceptualisation and operationalisation of SDG 13: Take urgent action to combat climate change and its impacts. The paper thereby reframes recent measurement and reporting challenges as outcomes of conceptual conflicts between the technicist emphasis of divisions within the United Nations and the truth claims enshrined in intergovernmental agreements.

This paper demonstrates how an archaeological–genealogical approach may start to address the measurement and reporting challenges facing climate and SDG metagovernance. It also highlights that the two degrees target on climate change has a manifest variability of interpretation and shows how this characteristic has become pivotal to operationalising climate metagovernance in a manner that respects the sovereignty of developing nations.