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Daryun
Daryun is the parent of Nining, a farm worker whose income is very minimal. Daryun earns just enough income to finance the family's daily needs. Daryun hopes Nining have not to drop out of school, because Nining is the only hope for the family of Daryun. Through the student loan program of Kiva, Daryun has applied for a loan to finance Nining's school fees at the vocational school. In the picture, Daryun and Nining, his daughter.


Nining is a student at the vocational school. She wants to be an accounting professional. However, because of economic limitations, she has a sense of concern that she will quit school, because her parent only works as a laborer. Nining expects that with the assistance through the Kiva student loan program, she can become an accounting professional, which can help the family.

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

  • $4,458
    Average annual income
  • 47
    View loans »
    Indonesia Loans Fundraising
  • $4,581,075
    Funds lent in using Kiva
  • 9,474.0
    Indonesia Rupiahs (IDR) = $1 USD