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Yosef Sadewo
Yosef is a prospective student at Academy of Maritime Nusantara (AMN) of the faculty of commerce and harbor administration. Yosef lives in the interior of Borneo, which is located far from the city, precisely in Tanjung Selor, East Kalimantan. Yosef recently graduated from high school and wants to continue his studies in AMN.

Yosef's father works as a motorcycle taxi driver with a motorcycle in the city, and his mother had died some time ago. Yosef was the first child of three siblings; his father must now take care of them without a mother.

Because his father's income is minimal, Yosef is unable to continue his studies and is concerned. With these conditions, Yosef did not want to bother his father because their income is uncertain. Yosef wants to get a loan from Kiva to help pay for college later so that he can finish his studies and get a job quickly, and can help his sisters to attend school, according to his father's expectations.

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
  • 20
    View loans »
    Indonesia Loans Fundraising
  • $5,461,975
    Funds lent in using Kiva
  • 11,500.0
    Indonesia Rupiahs (IDR) = $1 USD