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Lukas has lived in the Alor District of West Nusa Tenggara, Indonesia since he was born 21 years ago. Alor is a small village with very low economic growth, even though in that village there are a lot of small harbors, because the education level is really low. Lukas' parents work as farmers with income of only 150,000 IDR (around $16 US) per month. He has three brothers who are nine, eight and five years old. His brothers can’t go to school anymore. Lukas chose to leave his village because he really wants to continue his education in the Maritime Academy. Lukas hopes that the loan from Kiva will give him a challenge to make his family's living conditions better, because when he graduates from the Maritime Academy, he will get a job on a National or International ship as a professional sailor and will get a good salary. This way he can help all his brothers continue their education for their future. He knows that his parents will be very grateful if he can finish his education at the Maritime Academy in Cilacap because of the loan from Kiva.

Additional Information

More information about this loan

This loan is part of a YSBS higher education program through affiliate YPPK designed to help high-achieving high school graduates afford higher education at a top maritime academy. Akademi Maritim Nusantara trains students in ship engineering, nautical science, and maritime economics, and helps them find jobs after graduation. By funding this zero-interest loan, you are supporting a student who couldn’t otherwise afford higher education. 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
  • 18
    View loans »
    Indonesia Loans Fundraising
  • $5,288,425
    Funds lent in using Kiva
  • 9,452.5
    Indonesia Rupiahs (IDR) = $1 USD