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Susmini is a mother who works as a laborer. Susmini is not young anymore; she has a fear related to the education expenses of their child, Daryati. Their income is only sufficient for the needs of everyday life. For one year longer, Daryati will attend vocational school, and this will continue to cost the family money. Susmini is applying for a loan through Kiva's student loan program for the cost of Daryati's schooling for a year.

In the picture, Susmini appears with her daughter, Daryati.

Financial administration is Daryati's ideal. She is currently in her third year in the vocational school classes. In one more year, she finishes her schooling; she hopes to finish it because she knows her family is facing very difficult conditions. She wants to finish quickly and be able to help her parents.

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
  • 9,490.0
    Indonesia Rupiahs (IDR) = $1 USD