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Rusmadi works as a farm laborer. He is the father of Joko, who now attends vocational school. Rusmadi's income is uncertain, so family life is very minimal. Rusmadi wants the kids to still have to go to school, for their future. Rusmadi does not want his children to suffer the same fate as him. Due to economic factors, Rusmadi wants to ask for a loan from Kiva through the student loan program. In the picture, Joko and parents (Rusmadi and wife).

Joko has a strong desire to stay in school. Born as the third of four brothers, Joko once took a year out of school. He worked odd jobs to save for school fees. The assistance of the Kiva student loan program is expected to help Joko to finish school. Joko's ideal is to open his own bike shop.

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
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,474.0
    Indonesia Rupiahs (IDR) = $1 USD