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Harsiti is a day laborer with a minimal income. Lasiman, Harsiti's husband, also works as a laborer with a monthly income of less than 50 USD. And that's when Harsiti and her husband have a job for a long time. With very little income, she must pay for her three children. With this loan from Kiva, Harsiti wants Yuli to complete her studies at a vocational school.

Yuli wants to be a professional accountant, but due to family economic factors, she is very concerned that she won't finish school. Because there is a Student Loan program from Kiva, Yuli is very happy. Yuli hopes she will be able to complete school. In the picture, Yuli appears with Harsiti, 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
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,457,875
    Funds lent in using Kiva
  • 9,470.0
    Indonesia Rupiahs (IDR) = $1 USD