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This is the story of Titin, daughter of Wagino:

I like English lessons very much, and I hope that I can master it. I can speak it fluently. My problem at school is about paying the school fee. My parents are poor; it is something difficult for them to do, but they want me to still continue studying. Learning many new things at school is very interesting for me.

I joined the student study club. I think that learning together is better than alone. Everything runs well. We stay at an unpretentious house. I know that my parents are not rich and are poor, but I have a dream. My future is better than at present time. I’d like to have a good occupation and a good salary. I can reach them all only with a good education.To all of the kindhearted lenders, I hope that you are willing to help me and my parents.

My home town is Cilacap. It’s a dry, hilly and dusty town. My father is a laborer. His salary is about Rp. 400,000 (Indonesian Rupiahs). The number of children in my family is two. Their ages are 24 and 15 years old (me). Only I still carry on studying. This loan can improve my life because with it, I can pay my school fee well. I can concentrate more on my lessons.

I take computer technics and networking as my majority. I like this because I am taught computer and networking deeply; about the hardware, software and the technology advancement day by day.

After graduation, I’d like to work in a company as a computer administrator/technician. So far so good, at this school. It’s fun because I have many new friends and new experiences. I feel that the impressing moment is when I’m in a classroom and receiving lessons from my teachers. I love studying.

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
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,197,675
    Funds lent in using Kiva
  • 11,322.3
    Indonesia Rupiahs (IDR) = $1 USD