...the tensor product $$ I_1 \otimes H_2. $$
... I don't understand why the correct answer is not this matrix :
$$
\left[ {\begin{array}{ccccc}
1/\sqrt{2} & 1/\sqrt{2} & 0 & 0 \\
1/\sqrt{2} & - 1/\sqrt{2} & 0 & 0 \\
0 & 0 & 1 & 0 \\
0 & 0 & 0 & 1 \\
\end{array} } \right]
$$
This is not the correct answer because it does not give the correct result for all four basis states.
Indeed, the Hadamard gate is applied on the first two qubits : $$ |00\rangle , |01\rangle, $$ and nothing is applied to the others, so the previous matrix should be right.
No. The Hadamard gate is applied to the latter qubit of the direct product. Therefore it effects all four basis states. The "previous matrix" does not implement the correct transformation. See below for further explanation.
You need to consider the action on the other basis states. You have only considered the two basis states for which your above matrix gives the right transformation, but your matrix fails to give the correct transformation for the other two basis states $|10\rangle$ and $|11\rangle$.
For example, we must have:
$$
|10\rangle \to |1\rangle\otimes\frac{1}{\sqrt{2}}\left(|0\rangle + |1\rangle\right)
=\frac{1}{\sqrt{2}}\left(|10\rangle + |11\rangle\right)
\;,
$$
but your transformation gives:
$$
|10\rangle \to |10\rangle\;,
$$
so your transformation matrix is wrong.
On the contrary, the right solution given is :
$$
\left[ {\begin{array}{ccccc}
1/\sqrt{2} & 1/\sqrt{2} & 0 & 0 \\
1/\sqrt{2} & - 1/\sqrt{2} & 0 & 0 \\
0 & 0 & 1/\sqrt{2} & 1/\sqrt{2} \\
0 & 0 & 1/\sqrt{2} & - 1/\sqrt{2} \\
\end{array} } \right]
$$
after the calculation of the tensor product $$ I_1 \otimes H_2. $$
Yes, the matrix directly above is the correct solution because it gives the correct transformation on all basis states (not just two).