A state program meant to encourage homeowners to borrow money to make their homes more energy efficient will be tested around Traverse City beginning this week. Cherryland Electric Cooperative members will be the first in Michigan to participate in Michigan Saves. The idea is to get banks and credit unions to loan people money to weatherize homes or install energy efficient appliances. The savings they realize on the upgrades will help them pay off the loan. Directors of Michigan Saves hope to make it widely available across the state later this year.