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Ponirah works as a farmer. Ponirah’s income each month is uncertain, and it is just enough for everyday living expenses. The husband of Ponirah is just an ordinary farmer and they have three children. Ahdiman is the second child of Ponirah and eager to continue his education. With the Student Loan program of Kiva, Ponirah wishes to apply for a loan to finance Ahdiman in order to continue his education. In the picture is Ponirah and Ahdiman, his son.
Ahdiman is a vocational school student living in Jeruklegi and is far away from home. By looking at the condition of his parents, Ahdiman hopes that the Student Loan program can help ease the burden on his parents. He dreams of becoming a mechanic. Ahdiman believes he can achieve this goal.

Additional Information

More information about this loan

This loan is part of a YSBS vocational school loan program designed to help poor and low-income students. In the Cilacap region of Central Java, a significant number of students drop out of school following junior high because they can’t afford to continue. This loan product is designed to help these students attend senior high schools, which train them in specific vocations including accounting, farming, and fishing, and help them find jobs. This is a zero-interest loan, and students are expected to repay in monthly installments after they are employed.

Please be advised that this loan might carry a grace period while the student is in school that may result in a lengthy loan term. Please refer to the Repayment Schedule before making this loan.

About Yayasan Sosial Bina Sejahtera (YSBS)

Yayasan Sosial Bina Sejahtera (YSBS) is a non-governmental organization that has worked on poverty reduction, food security, gender issues, education, public health, and climate change in Central Java, Indonesia for over 40 years. Kiva lenders can fund tuition loans for students attending YSBS’ maritime academy and senior vocational high school to help them launch their careers, or enterprise loans for rural groups of women participating in the organization’s microfinance program.

About Indonesia

  • $5,200
    Average annual income
  • 18
    View loans »
    Indonesia Loans Fundraising
  • $5,293,200
    Funds lent in using Kiva
  • 9,460.0
    Indonesia Rupiahs (IDR) = $1 USD