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Mustarja is only a laborer breaking stones and his wife is an agricultural laborer. Because Mustarja is elderly, he cannot work properly, so his wife is now helping him as a stone-breaking laborer. However, Mustarja does not get customers every day. Sometimes for a week or even two weeks, there are no customers. Because of an uncertain economic future, Mustarja worries about the education of his son Saefal. He hopes that Kiva's Student Loan program can help with his children's education.

Saefal is the sixth of six children and attends vocational school. With a loan from Kiva, he hopes to finish school and help his parents and siblings. In the picture are Mustarja, his wife and his son, Saefal.

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

  • $4,458
    Average annual income
  • 46
    View loans »
    Indonesia Loans Fundraising
  • $4,578,025
    Funds lent in using Kiva
  • 9,470.0
    Indonesia Rupiahs (IDR) = $1 USD