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Warsono works as a temporary worker who does not have a specific work time. His wife is a domestic servant. Warsono and his wife's income is uncertain and usually only enough for their daily needs. Novi, his child, is sad because he wishes to continue school. With the Student Loan program of Kiva, Warsono is hoping to help Novi to reach his goal.

Novi wants to make his parents happy and proud of him. Novi will not waste his time again. With the help of Kiva through the Student Loan program, he wants to finish school. Novi will do his best to learn and take advantage of this great opportunity for the future. In the picture, Novi appears with Warsono, 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
  • 12
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,470.0
    Indonesia Rupiahs (IDR) = $1 USD