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Suwarti works as an ordinary laborer; her income is uncertain. It depends on the time of planting and harvesting. Suwarti is confused because her son, Arif, needs money to finish school. Arif stayed out of school for one year while Suwarti had no other charges. Suwarti wants to apply for a loan through the student loan program of Kiva, to pay for Arif to finish school. In the picture, Suwarti appears with her son, Arif.

Arif will stay in school for one more year to complete vocational school. He hopes to finish and quickly find work as a computer technician in a company, in order to help his parents and younger siblings and repay the loan to Kiva.

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
  • 35
    View loans »
    Indonesia Loans Fundraising
  • $5,218,725
    Funds lent in using Kiva
  • 9,490.0
    Indonesia Rupiahs (IDR) = $1 USD