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Kamisem works as a casual laborer. Her income is very minimal. If one day Kamisem does not work, then that day she does not get money. If Kamisem is experiencing pain, then she cannot get income. With these conditions, Kamisem is greatly saddened about the education of their children. Therefore, Kamisem is applying for a loan through Kiva's student loan program, in order to allow Sulastri to finish school.

Sulastri lives in a hilly, dry area with damaged roads and houses that are quite a distance away from the school. She attends a vocational school. She aspires to be a computer expert. Sulastri has a four-year-old brother. She hopes, through the help of the Kiva student loan program, to help ease the burden on her mother. In the picture, Sulastri and Kamisem her mother.

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
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,210,800
    Funds lent in using Kiva
  • 9,475.4
    Indonesia Rupiahs (IDR) = $1 USD