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Sukarman is only a temporary worker who does not have a regular job. His income depends on whether or not there are any construction projects. His wife tries to help raise funds by selling “mendoan” (a type of soybean cake) on the side of the road. Because of limited economic circumstances, Sukarman is applying for a loan through Kiva's Student Loan program for the future of his child, Agung.

Agung has just graduated from junior high and he wants to learn more at a vocational school. Despite having a situation like this, Agung steeled himself to continue his studies so he can at least graduate from vocational school, after which he can get a job to help his parents and younger siblings. In the picture are Agung and Sukarman, his father.

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
  • 20
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,475.0
    Indonesia Rupiahs (IDR) = $1 USD