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Tabingin works as a laborer on a rubber plantation, with a very minimal income. Tabingin has three children. With his uncertain income, Tabingin worries about his children's education, especially that of Luthfiani.He has applied for a loan through Kiva's student loan program to help Luthfiani finish school. In the picture,Tabingin, Yanti his wife and Luthfiani her daughter.

Luthfiani is a student at a vocational school and lives in a barren area. The family's economic situation is cause for concern, and makes him worried about dropping out of school. Because the parental income is uncertain, this motivates Luthfiani to follow the student loan program of Kiva in order to help ease the burden on her parents.

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
  • 12
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,474.0
    Indonesia Rupiahs (IDR) = $1 USD