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Nita came from a small village around the town of Cilacap, which still has a quiet atmosphere and many trees, the village Penggalang, Adipala. Because Adipala is near the coastal areas, Nita has a dream to work in ports or work on a ship. Nita is currently a candidate in the Nusantara Maritime Academy, where she will take a Nautical program.

Nita’s parents work in a kiosk selling chicken noodles and meatballs on the side of the road, and are open from morning till evening. Their income is not fixed, but depends on the number of visitors. If there is inclement weather, rain for example, the kiosk is deserted and no one is buying. Nita wants to help ease the burden of her parents, with an education loan from Kiva,

Nita ventured to follow this program. She wants to finish school and get a job quickly in a shipping company. Nita thanks Kiva lenders, with these loans that can help her study for three years.

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
  • 12
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 10,078.4
    Indonesia Rupiahs (IDR) = $1 USD