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Sukiyem is a peasant who has a very minimal and uncertain income that varies depending on the harvest and the weather. Sukiyem's children cannot go to school because of the family's minimal economic resources. Sukiyem's only hope is her son Enggi. Sukiyem decided to take a student loan from Kiva so that Enggi can finish school and get a job. Enggi lives in a barren and hilly area. He attends a vocational school. He has only two brothers, but because of their limited economic resources, his sister could not attend school. Enggi is afraid he would be like his brother who has dropped out of school. With the Student Loan program, he is hoping to realize his dream as a computer technician. In the picture are Enggi and Sukiyem, his 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
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,197,675
    Funds lent in using Kiva
  • 9,475.0
    Indonesia Rupiahs (IDR) = $1 USD